Thrivepoint Financial Holdings, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/09/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92065	Web	Older American, Servicemember
RENOVATE AMERICAXXXXXXXX XXXX LOAN COMPLAINT XX/XX/21 ON XXXX I SIGNED A CONTRACT FOR SOLAR INSTALLATION WITH AGENT XXXX XXXX OF XXXX XXXX FOR {$43000.00}. THAT IS THE ONLY NUMBER I WAS EVER SHOWN AND THAT I SIGNED AND AGREED TO BECAUSE MY INCOME IS XXXX XXXX AND XXXX XXXX XXXX, THATS ALL I COULD AFORD. XXXX AND XXXX XXXX THEN HANDED MY SIGNED CONTRACT FOR {$43000.00} TO XXXX XXXX. XXXX XXXX WAS PAID IN FULL BY XXXX XXXX FOR THE FULL CONTRACT AMOUNT AND REBATE. I HAVE JUST FOUND OUT AFTER YEARS OF TRYING TO FIGURE OUT WHY MY TAXES WENT UP SO HIGH TO {$10000.00} PER YEAR WITH A HERO LOAN PAYMENT OF {$5400.00} PER YEAR. THAT DIDNT MAKE SENSE FOR THE {$43000.00} AMOUNTI SIGNED AND AGREED TO. AFTER GETTING OFFICIAL LETTERS IN THE MAIL THAT I HAD I HAD A CLAIM AGAINST RENOVATE AMERICA DBA XXXX XXXX THAT I STARTED LOOKING INTO THE LOAN. COME TO FIND OUT THAT SOMEONE CHANGEDTHE LOAN AMOUNT FROM {$43000.00} TO {$65000.00} AT 8.35 %. IT IS A HARD LIEN ON MY PROPERTY. WHEN I DID THE MATH FOR THE {$65000.00} NUMBER, IT SHOWED THATS WHY MY TAXES, ESCROW AND MORTGAGE WENT THROUGH THE ROOF. I NEVER SAW THAT NUMBER OR WAS SHOWN THAT NUMBER, NOBODY EVER SAID THAT NUMBER TO ME. I NEVER SIGNED ANYTHING KNOWINGLY FOR A LOAN FOR THAT NUMBER AND THERE IS AN EXTRA {$21000.00} EXTRA AT 8.35 % STILL IN THE LOAN UNUSED. THIS IS A FRAUDULENT LOAN MADE OUT IN MY NAME BY XXXX XXXX AND RENOVATE AMERICA DBA XXXX XXXX. THIS LOAN HAS CAUSED ME SO MUCH TROUBLE AND STRESS I HAVE ACUALLY GOTTEN ILL OVER THIS. I CAN BARELY PAY THE MORTGAGE BECAUSE OF XXXX LIEN ON MY TAXES. I CANT REFINANCE OR SELL THE PROPERTY IF NEEDED. THAT LOAN HAS DEVASTED MY LIFE. THE LAST SIX YEARS HAVE BEEN XXXX. IM A XXXXXXXX VET AND THIS IS MY FIRST HOUSE. IM BARELY HANGING ON. NOW I KNOW WHY. RENOVATE AMERICA IS IN CHAPTER XXXX BECAUSE OF THIS TYPE OF BEHAVIOUR. I NEED THIS FRAUDULENT LOAN AND LIEN REMOVED FROM MY PROPERTY AND TAXES AND THE OVER PAYMENTS ON THE {$21000.00} OF THE {$65000.00} AT 8.35 % REPAYED. I HAVE BEEN COMPLETLEY COMPLIANT AND AM UP TO DATE ON ALL OF MY ESCROW AND TAXES PAYMENTS. I HAVE ATTACHED ALL THE DOCUMENTS AND PAPERWORK I HAVE ACCUMILATED TO DATE. I HAVE FILED CRIMINAL LOAN FRAUD, IDENTITY THEFT, ELECTRONIC FRAUD, AND COMPUTER FRAUD REPORTS WITH THE XXXX XXXX, FBI, IRS, SEC, FTC, AND CA CONTRACTORS LICENSE BOARD. I HAVE PUT A FRAUD ALERT TO THE CREDIT REPORTING AGENCIES. I AM HOLDING THRIVEPOINT FINANCIAL HOLDINGS OUT OF DELAWARE THAT OWNS RENOVATE AMERICA DBA XXXX XXXX AND THAT IS NOW OPERATING AS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX CEO OF RENOVATE AMERICAXXXX XXXX XXXX AND FXXXX XXXX XXXX RESPONSIBLE FOR CHANGING THE AMOUNT OF THIS FRAUDULANT LOAN IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE.THEY SCAMMED ME. RUINED MY LIFE OVER THIS. A SIMPLE SEARCH ONLINE WILL VERIFY THE CHAIN OF COMMAND. I HAVE PROVIDED DOCUMENTS THAT SHOW THE ABOVE CHAIN OF COMMAND. ALSO THE COURT DOCUMENTS FOR FEDERAL, CITY AND STATE LAW SUITS AGAINST THE ABOVE COMPANIES. ALSO DOCUMENTS BETWEEN XXXX AND MYSELF THAT MENTION THE CONTRACT AMOUNT BUT NEVER THE {$65000.00} AMOUNT. MY DEMANDS ARE SIMPLE. REMOVE THE ENTIRE FAUDULENT LOAN {$65000.00}. REFUND THE ENTIRE OVERPAYMENT ON THE DIFFERNCE OF THE LOAN AND CONTRACT AMOUNT OF {$21000.00} AT 8.35 %. A LETTER TO ME AND ALL THE CREDIT REPORTING AGENCIES, XXXX XXXXXXXX XXXX AND XXXX XXXX TAX ASSESSOR OF A MUTUAL AGREEMENT ON REMOVING THE ENTIRE LOAN OFF MY PROPERTY TAXES AND ESCROW. THIS FRAUDULENT LOAN HAS DEVASTATED MY LIFE BECAUSE THE {$65000.00} WAS NOT THE AMOUNT I CALCULATED THAT I COULD AFFORD. COMPENSATE ME MONITARILY FOR ALL OF THE STRESS, PAIN, ILLNESS, CRYING, FEAR, SLEEPLESS NIGHTS, STARVING AND ALL OF THE MENTAL AND PHYSICAL DISTRESS THIS HAS CAUSED ME! TRUST ME AS A XXXX THAT I WILL PERSUE THIS TO THE FULL EXTENT OF THE LAWS UNTIL I GET FULL RESOLUTION. XXXX XXXX, THRIVEPOINT FINANCIAL HOLDINGS, RENOVATE AMERICA AND HERO FINANCING HAVE ABUSED MY TRUST. THIS HAS CAUSED ME SO MUCH STRESS IT HAS ACTUALLY MADE ME PHYSICALLY SICK. THOSE TROUBLES WILL NOT BE FREE. SOMEONE WILL GO TO JAIL. I WILL FIND OUT THE INDIVIDUALS FROM TOP TO BOTTOM WHO AUTHORIZED THE {$65000.00} LOAN WITHOUT MY KNOWLEDGE OR PEMISSION. YOU WANT ME AND THE FRAUDULENT LOAN TO GO AWAY. I WAIT TO HEAR FROM SOMEONE OF AUTHORITY THAT WILL REALIZE MY DEMANDS. NOTHING LESS. I REALLY NEED SOME HELP AND BACKING. I NEED THIS TO BE OVER. IM DRAINED AND SCARED IM GOING TO LOSE MY FIRST HOME EVER. THANK YOU FOR ANY ADVICE AND CONSIDERATIONS. I WILL BE SENDING DOCUMENTAION VIA MAIL
08/21/2021	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	IA 50310	Web
In XXXX of XXXX I contracted with XXXX XXXX XXXX XXXX , XXXX of XXXX XXXX, Iowa for installation of appliances. At the time of their estimate in XXXX, I was offered an opportunity by them to enter into a Retail Installment Contract using XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to finance the project. The work was completed in XXXX of XXXX. At the time of entering the contract, I was required to provide my credit card information to the sales representative. I understood the monthly payments were to be made on the credit card automatically. I received no communication from XXXX regarding any delinquency of payments I received no notice of assignment to a new servicer. It was not until XX/XX/XXXX, as I was applying for financing to buy another property, that I discovered from my lender that XXXX had placed negative marks on my credit report of 30, 60, and 90 days for failure to make monthly payments on this contract. This was shocking. I had never received any notifications either in the mail, electronically, or via telephone that I was delinquent, or that the account was being transferred to XXXX XXXX. I have been in communication with XXXX XXXX, and have paid the loan in full. XXXX advises that they are not able to remove the negative credit reports because they did not have the loan at the time it was being serviced, and did not make them. In calls to XXXX their operator claimed an inability to remove the negative reports because they " no longer service the loan ''. I have written to them requesting this these negative credit reports of 30, 60, and 90 day delinquencies be retracted from my credit report by them. They are unresponsive. Calls are continually rerouted. My new lender indicates they have the ability to remove these entries from my credit report. I now discover from the new lender that my current loan application is being rejected because of the reports made by XXXX were classified as failure to make " mortgage loan '' installments. This was not a mortgage loan! By not accurately reporting them as " retail '' installment installments, I am being denied financing because missed mortgage loan payments are negatively more weighted than installment loans. I have pleaded with XXXX remove the reports. Removal is appropriate because XXXX did not communicate or give me any notice regarding this this account. Even more importantly, THEY DID NO? T REPORT THE CORRECT CLASSIFICATION OF THE LOAN. Had I not inquired of my new mortgage lender, I may not have known of the delinquencies until a small claim was brought. Everything led me to believe it was being paid monthly via credit card. I have made many calls to XXXX XXXX XXXX XXXX XXXX. They do not respond.
04/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89113	Web
I called Renovate America today to check that they had received my payoff check. In the process I found out that are trying to charge me ~ {$650.00} in late fees/interest. I missed 0 payments and was on time with all my payments for the life of my loan. The initial rep I spoke to was incredibly argumentative and not helpful in explaining what was going on. The supervisor suggested I send an email explaining the situation. I sent the following email. I was supposed to close selling my house on XX/XX/XXXX but due to the current global situation we were unable to close until XX/XX/XXXX. I closed on my new house on XX/XX/XXXX in the afternoon, escrow cut checks on XX/XX/XXXX, and I did not receive the payoff checks from escrow until Tuesday XX/XX/XXXX. That same day I sent checks second day air for a personal expense of ~ {$30.00}. I missed 0 payments and was on time with all my payments for the life of my loan. I would very much appreciate if we are able to waive the charges and close my account. Their response was your contract says this ( buried on page 2 paragraph 4 ). Which is why you were charged the amount. This type of charge was not described to me at point of sale or when I called them about a payoff quote 3 weeks before. It feels like a total scam.
02/08/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84041	Web
I received a Renovate America ( XXXX XXXX ) loan through a local Utah company, XXXX XXXX XXXX. on XX/XX/XXXX, through an agent of XXXX XXXX who came to my door. The loan was for {$2100.00} and was ostensibly to " prepay '' monthly security monitoring charges for seven years. The loan proceeds from Renovate America were disbursed to XXXX XXXX, XXXX and I was contracted to make a {$35.00} loan payment for 84 months. In XX/XX/XXXX, I received a letter from the monitoring company ( XXXX ) saying they were ceasing monitoring on my system in XX/XX/XXXX due to nonpayment. I reached out to XXXX XXXX to find out what was happening, only to learn they went out of business in XX/XX/XXXX. Today I received a notice that Renovate America has filed bankruptcy and seeks to sell my " loan '' to another company for collection. I have never been late on a payment and stopped receiving the benefit derived from the loan proceeds as of XX/XX/XXXX. I believe that Renovate America and XXXX XXXX, XXXX engaged in unfair and deceptive business practices and colluded to bilk thousands of dollars from unsuspecting consumers who would be trapped in a long-term loan without receiving tangible benefits from the proceeds.
05/10/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90746	Web
I have a HERO loan taken out with Renovate America on XX/XX/XXXX. XXXX XXXX XXXX XXXX, is the third party who prepares the calculations, at XXXX, option 2 then 1. The issue, I have made several prepayments. The first prepayment was on XX/XX/XXXX. In accordance with the contract, I was not charged any fees. The second ( XX/XX/XXXX ) and third payments ( XX/XX/XXXX ) I learned recently contained fees XXXX contract was not amended, fees were taken from the amount of the prepayment ). On XX/XX/XXXX, I made a fourth prepayment. I did not receive a receipt of payment and called today to ensure the funds were received and applied. I also want the current balance. I was told that I could not get a receipt with the updated amount that is owed. I would have to request and pay {$50.00} for another payoff statement. I stated that I did not want to make another payment at this time, I just want to know what is the balance of the loan. The representative stated they can not give me that information. He only had access to the balance as of XX/XX/XXXX. He acknowledged, the 4th prepayment was received. Should I not be able to receive my current loan amount without having to pay for it? Thanks.
07/14/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33594	Web	Servicemember
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.
07/13/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33594	Web	Servicemember
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.
10/28/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 331XX	Web
LENDER : Renovate America ( HERO PACE product ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX LOAD IDs : APN : XXXX HERO ID ( s ) : XXXX I paid my account in full ( {$21000.00} ) by wire transfer on XX/XX/2019 per the instructions that Renovate America ( RA ) provided to me on XX/XX/2019. Following payment of the account, I did not receive any acknowledgement or any other communications from RA until XX/XX/2019. On XX/XX/XXXX, I received a Payment Confirmation Letter ( PCL ). On XX/XX/2019, I acknowledged receipt of the PCL, and informed RA that the lien on the property had still not be released, by replying to the email that it had been sent from. On XX/XX/2019, I sent a follow-up email to the same address requesting information of the Release of Lien ( Release ). Between XX/XX/XXXX, and XX/XX/2019, I made multiple calls to RA to request that the Release be recorded. On the initial calls, RA assured me that the Release would be recorded shortly ( in a matter of days ). On subsequent calls, RA informed me that RA does not presently have the competency to the record the Release, but that RA is working on it.
06/01/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 65810	Web
I have a PACE assessment in which I entered into an agreement with the HERO program ( through Renovate America ) to fund the installation of solar panels at my home, the debt would be paid over 5 years as a property tax assessment, and the loan documents clearly stated that there is no prepayment penalty. The debt is currently being serviced by XXXX ( XXXX ) and I am unable to move forward with paying off the loan until I pay a {$50.00} fee to the company to generate the payoff amount. I inquired about it and they claim it is a 'document generation fee ' but if there is any fee that is required to be paid in order to pay off the loan, it is a prepayment penalty. Nowhere in the loan agreement does it mention any additional fees outside of the specific ones disclosed and rolled into the principal amount. I shared that information with XXXX, that they were in violation of the terms of the loan agreement, and asked them to waive the fee, and they declined.
09/18/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 91325	Web
This is in regards to the XXXX Loan Program. I had the insulation in my home redone and the contractor suggested this new program in XXXX of 2016. Sounded good as it put people to work and possibly tax deductible. Was not told that payments would not be made in the first year which leads to a negative amortization situation over the first years of the program. We owe more now than what we actually paid for the service and have made two years of payments. In the payoff statement I am including, the company is asking for {$2100.00} in interest payments for 2 months. The initial service was only {$7200.00}. I was also lead to believe early and additional payments could be made without penalties or extra fees. The website charges {$50.00} for a payoff statement and does not give any information regarding early payments. This is a bad situation for homeowners with may pitfalls.
11/04/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90240	Web	Older American, Servicemember
RENOVATE AMERICA ( NOW ON YOUR DATABASE AND FILES ) HAS SENT WRITTEN REPLIES IN THIS SITE AND BY LETTERS TO US, BUT HAVE NOT ADDRESSED THE MAIN FOCUS OF OUR COMPLAINTS WHICH ARE THE HIDDEN FEES OR CHARGES THAT WE CONSIDER EXPLOITATION AND ELDERLY ABUSE, FRAUD IN DISGUISE TO CHEAT CUSTOMERS. THESE HIDDEN CHARGES ARE AS FOLLOWS : 1 ) DAILY INTEREST CHARGES, 2 ) BONDING FEES BY XXXX XXXX XXXX XXXX FROM XXXX, CA, 3 ) DOCUMENTATION FEES OF {$50.00}. JUST TO OBTAIN OUR CURRENT BALANCES .NO REFUNDS BY DRAFTS AND OR CHECKS AS THEY PROMISED ARRIVED TO DATE OF THIS WRITING. THEIR ESCALATING CHARGES PUTS US IN A NEVER ENDING VICIOUS CYCLE OF ILLEGAL DEBT AND FINANCIAL STRESS AND UNENDING MENTAL PAIN.
12/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 92503	Web	Servicemember
I paid this off via wire transfer on XXXX and sent the XXXX fed reference number which validates the funds wired. I contacted the company on XXXX and on XXXX requesting the paid in full letter but they refused to give me one stating that they have to wait until a bond XXXX XXXX, XXXX, XXXX XXXX ( DTA ) advises them that the funds were received and they said that can take up to two weeks? That is not legal and is absurd as I sent the payoff funds via wire transfer and the funds were received so the loan has been paid in full and the con not hold me XXXX by not complying with my request. The debt has been paid and I must have the paid in full letter.
10/07/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
Complaint ID : XXXX. See original complaint filed XX/XX/2019 and replied by company ( XXXX XXXX and or Renovate America ) on XX/XX/2019 with a huge lie! They never sent me an explanation of my complaint. My personal information is in their database although they claim to be ignorant of their own database. Case should be re-opened since they refused to explain their predatory, abusive, and deceptive business practice. Also their elder abuse exploitation! Please review the original complaint XX/XX/19 and the company 's deceptive reply on XX/XX/2019. In the meantime,, they are assessing daily interest and hidden charges on our account.
09/19/2021	No	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90806	Web
I am trying to pay off an existing XXXX loan but I have no documentation or paperwork of what company took over the loan. I never recieved an account number yet the XXXX County tax collector will not respond who holds the load so i can get a payoff amount. This is not a fair lending practice as I was advised upon taking the financing that there was no pre-payment penalty but now I can not get that information. the old website goes to the company XXXX who I have not received any correspondence back from either.
10/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90043	Web	Servicemember
Renovate America ( XXXX XXXX ) placed a lien on my home for home improvements. I did not know about this XXXX when I applied for an equity loan and was denied because of this XXXX. Amount stated on XXXX is XXXX. Payments have been made through my property taxes from XXXX to date. Amount coming out of property taxes is XXXX. I have tried since XXXX to speak to someone regarding this loan to no avail.
02/05/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 64133	Web
I'm recently financing 16 solar panels through Renovate America. According to their records they have me financing 20 solar panels. I only have 16 on my roof. I've asked for someone to come out and give an inspection, but the only response is we'll call you back. Its been 3 weeks now.
08/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 49441	Web	Servicemember

04/27/2021	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KS 66213	Web

11/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Servicemember

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	MO 64030	Web	Servicemember

07/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 932XX	Web	Older American, Servicemember

04/07/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92040	Phone

02/20/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92040	Web	Older American, Servicemember

01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	CA 91745	Phone

10/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92124	Referral

08/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90240	Web	Servicemember