| 06/08/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to Thunder Road Financial they have said I received a loan from them as the retail installment contract states reveals. Upon information and belief, there is no proof of Thunder Road financial being a lender in my Retail Installment Contract. Upon further investigating Thunder Road Financial is in violation of FDCPA for being a debt collector and using 15 usc 1692fUnfair Practices to try and collect a debt not owed.As well as 15 USC 1692d, e, and g.
Thunder Road has no merit in this contract as this retail installment contract has no signature or mention of thunder road financial on it. I have asked Thunder Road Financial to provide me with debt validation as through UCC9-210 states : 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).
( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.
( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.
( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.
( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.
Thunder Road Financial is in numerous violations and attempting to collect a debt already paid.
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| 05/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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A refund check in the amount of {$410.00} was forwarded from the dealership was to the lender ( Thunderroad Financial LLC ) which they posted on XX/XX/20 as future payments. They then debited my checking account for the monthly scheduled amount of {$170.00} on XX/XX/20. The following month, I noticed my checking account was NOT debited on XX/XX/20 so I called them ( on XX/XX/20 ) to inquire as to why, which is when I learned that the refund check had been posted as future payments, rather than as a principal reduction. I asked if they could re-apply the amounts as a principal reduction. The representative XXXX, said she would have to ask their contract accounting department if they could do so. On XX/XX/20 XXXX called me back to inform that they could not reapply the transaction without causing my account to become delinquent. I asked if they could just re-apply the portion that is now posted as future payments made, and she said they could not. I advised this was not proper and it was causing me to accrue more interest over the term of the loan than I should be paying.
I should also note that I only became aware of this because I reviewed my checking account online and noticed the automatic ACH draft was not made. Thunderroad Financial LLC does not provide any online account access to customers, nor does it include transaction information in the monthly statements it provides, which make it impossible to know the exact dates and amounts of transactions posted to the loan without making a telephone inquiry.
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| 08/22/2019 |
Yes |
- 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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XX/XX/19 I spoke with Manager from Thunder Road Financial out of XXXX, NV. She stated that the dealer XXXX XXXX was out of business. Thunder Road has been reporting to the credit bureaus that this account is late 120 every month over the years. I have not made one single payment in two years due to the fact they never sent me the correct title/registration for my motorcycle. SC law states that once you purchase vehicle/motorcycle you have 45 days from date of purchase to get registered. I've been calling from day 1 to get this information corrected. Long story short Thunder Road had me signed purchase contract and the contract has the wrong VIN number throughout the entire contract!!! This is a breach of contract from day 1!!! Now the manager will not accept any of my phone calls. They have been ignoring me since ... All I want is this inaccurate information off of my credit report.
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| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am applying to refinance my home and have 24 hours to get the required documents to them. ThunderRoad Financial does not send paper statements for offer online statements. I called them to request one and they can't seem to produce one. They keep saying they are requesting it from the accounting department, but nothing has been produced. I am not sure what I am supposed to do to get one. I don't believe they should be able to not supply you with any way to access a statement. No where on their site does it even give you information on how much your balance is on the loan. They only offer a payment portal, absolutely no other information.
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| 09/21/2018 |
Yes |
- Debt collection
- Auto debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Thunder Road Financial has came to my house several times and all hours ( XXXX XXXX ). They have taken pictures of my home, cars in my drive way and talked to neighbors. Now they are texting everyone from my phone book. I believed they hacked my phone account because they are calling my in laws and I didnt even know my in laws 3 years ago. They are texting my deceased fathers ex wife and her son and I have no contact with them in a year. I called them and advised them to stop harassing people I know and they hung up. The man that text everyone gave my name and some case number. So everyone got worried about me and called.
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| 08/22/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is about a XXXX report I reviewed and seen a negative account thats on there, the account is called XXXX- Thunder Road address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Date Opened XX/XX/2014, it states there is a XXXX balance but it also states the account got transferred/sold but doesn't give any other information, this doesn't Belong to me please delete Immediately.
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| 05/04/2022 |
Yes |
- 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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To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by the following company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Specifically as it relates to credit inquiries that I did not authorize, made by the attached company.
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| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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response from XXXX XXXX financial did not provide proper documentation. Verifying my address, phone number, calls emails, or any statements is not validation of debt.See attached.
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| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Thunder Road repoed my motorcycle a couple years ago but theyre still reporting missed payments on my credit report every month.
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| 01/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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