| 01/06/2024 |
Yes |
- 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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Web |
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This company has put inaccurate information on my credit file to receive money over I debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/2024 I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2024 XXXX XXXX XXXX Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by XXXX XXXX XXXX. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they XXXX have on my creditworthiness.
I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt.
2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation.
3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.
4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting.
Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights.
I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me.
Sincerely, XXXX XXXX
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| 07/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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In XXXX, I obtained a payday short term installment loan with Lift Credit. The original loan amount was {$1900.00} and I made total payments of {$1400.00}. During XXXX I assumed the care of my dying mother. I contacted Lift credit many times requesting assistance in stopping interest charges, paying off the principal, etc. at each contact point I was ignored and told it would continue to accrue interest and ultimately become a legal matter. This loan was requested during a very difficult time and I never anticipated such devastation as a result. My mother passed away in XX/XX/XXXX. Additionally my son was diagnosed with a XXXX XXXXXXXX and the medical expenses and debts have ballooned to over {$15000.00}. Despite sharing these challenges with Lift, they would not negotiate, provide a reasonable compromise, but instead threaten legal action and demonstrate no care in the devastation this predatory loan has now caused. So much so, I am considering bankruptcy relief. Lift filed a small claims case and without any options to defend myself, they received judgement of over {$8000.00} with a repayment of {$430.00} per month. I do not have the money to make payment without sacrificing the care of my son, servicing of my debt and maintaining monthly housing and utility expenses.
In summary, Lift has demonstrated predatory lending practices ; both in the origination, collections and lack of maintaining and adhering to their website advertisement stating Lift Credit provides same day, installment loans to residents in XXXX XXXX XXXX and XXXX. Regardless of credit standing, we offer significantly lower rates than payday lendersgiving a financial solution to those who need it most. And online installment loans to lift you higher. Their site is also flooded with misleading reviews and testimonials. At an interest of 382 % annually, the ability to service this loan should a borrower experience continued financial hardship, it quickly grows from a modest loan balance to 4 or 5 times the original loan. The end result is devastating to an average consumer. Lastly, during the collections process, the lender communicated via text and did not made a proper collection notification disclosure. In violation of collection laws. I was also refused a principal payoff to cease the interest charges. Again, an example of predatory lending, unfair and deceptive marketing and practices.
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| 06/23/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Lift Credit filed a garnishment with my employer with no prior notice or legal documents given to me. When I contacted Lift Credit they told me that is was in regards to a loan given almost 3 years prior. I advised them that I had no knowledge of the loan and I needed proof of debit and the agent refused to send that to me and said that she would have to talk to her manager. I tried calling back the company the next day for the info, and they advised me that the agent I needed to talk to was n't there and that they would have them call me back and I never heard from them again. - They have refused to provide me proof of debit - They have never emailed me or mailed me any details - The information on the loan that they were willing to share with me was out of date and invalid. Over 10 years out of date! - No legal notice was provided to me that they were planning on taking me to court so I could represent or protect myself. - They company on the phone has refused to provide me any assistance. They told me the only way they would help me is if I take legal action back against them. - The were very unfair not giving me a chance to get this corrected or reviewed. - They were very deceptive on what info that would provide and what things they considered valid reasons for taking action against me. They would present things one way and then do another. - Not to mention, I do n't know how it is legal for any company to charge 300 % APR
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| 07/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to XXXX XXXX to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back XXXX XXXX to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.
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| 10/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I have asked on multiple times that they stop adding fees to my loan while I am struggling to pay the loan. They told me to pay {$50.00} twice a month but will not stop the additional fees with paying this amount. I tried to negotiate a lower payment and they refused saying that it is not possible. Even though I am paying XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) my balance due keeps going up.
They are taking advantage of me being in a financial bind due to medical bills. Their unwillingness to stop the excessive fees means that I will end up paying over 300 % more than borrowed.
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| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I found out about it in the mail this weekend from my employer. My check was garnished the next day. If I had known it was going to court I would have showed up. Now there is a judgement and they took out money right before XXXX. I should have been served. They should have given me options. I was in the hospital.
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| 03/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
Servicemember |
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They allowed me to make an arrangement for a payment on my account, and I advised them to take the funds on a specific date, to which they agreed to, but failed to do so. They're now messaging and emailing me repeatedly demanding that I fix the issue when it's not my fault.
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| 09/28/2018 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
Servicemember |
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I was not the one who got and accout with them someone had my info
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| 02/08/2017 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 07/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Referral |
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