TIDEWATER FINANCE COMPANY, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/25/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30022	Web	Servicemember
We are raising a new concern regarding debt collection practices our recent filing on the following : We originally opened an account with XXXX XXXX via their third party creditor - TideWater Finance Company - who has taken advantage of us as consumers, U.S. Veterans, and XXXX XXXX Minorities. We previously reported and wrote a letter in XXXX that we were experiencing extenuating medical and financial circumstances, due to our daughter being hospitalized for over 34 Days in XXXX and my major job loss and made many attempts in XXXX with calling in to request special exceptions and special programs due to these difficult challenges we were having and my husband had already given TideWater the permission to speak with me, XXXX XXXX, ( his wife ), which is documented and taped on TideWaters recording systems as well. They made no attempt to provide us with a special finance program due to the extenuating financial & medical circumstances we expressed and have be exasperated mentally and physically over the last 2 years with caring for our daughters XXXX XXXX and XXXX XXXX XXXX she encountered at the end of XXXX while away at school. We encountered over {$70000.00} in medical bills and had to care for our daughter. Although we made concerted efforts to notify TideWater and request a special exception/program, they showed no empathy nor sympathy concerning our situation and we were not given any notice until someone knocked on our door regarding lawsuit paperwork which were unaware. We also did not receive the proper notification that it was being turned over to a lawyer or the written prior indication that a lawsuit was imminent via a document called a Notice of Intent to Sue. Upon receiving the falsified lawsuit, I again made multiple calls to TideWater starting in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX, in an attempt to discuss the account, the letter they received in XX/XX/XXXX, and potential workout plans but was never given the opportunity avail. I explained that I sent letter explaining our situation in XXXX when our daughter was hospitalized for 34 Days Including XXXX and never received a response on workout plan. I also spoke to Ms. XXXX, the Assigned Account Manager, in XX/XX/XXXX who stated she would escalate the request to her management team to reduce the balance and see what type of settlement offer they could provide. However, I never heard back. I made other attempts over 10 to call back in to pick up the conversation which was had in XX/XX/XXXX and was promised they would get back with me but never did and calls were recorded on their systems if they did not delete them. I also reached out to contact Tidewater again in XX/XX/XXXX, & XX/XX/XXXX and spoke with another Account Manager, XXXX, after being directed to the XXXX XXXX XXXX XXXX whom they hired and who also utilized stall tactics, claiming they reached out to Tidewater regarding our multiple requests to negotiate the balance he was attempting to collect on a {$2000.00} card with costs inflated to {$4000.00}. XXXX claimed she was also going to get with her manager to request an exception to negotiate the balance and promised to circle back to me on XX/XX/XXXX, since I made attempts to contact the lawyer via phone and they were screening and dodging my calls. However, I never heard back from XXXX and attempted to call back in on XX/XX/XXXX and received various transfers to different people which was another run around stall tactic. I also made several attempts to contact XXXX XXXXXXXX XXXX XXXX to speak with XXXX the assigned law representative the XXXX XXXX XXXX XXXX and on almost every instant between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, she avoided my calls and would not pick up the phone. I also had to dial another extensionXXXX, to get someone else to pick up and reach XXXX so I could discuss the account and try to negotiate, after they also received an email per their instruction from my husband to grant me permission to speak on the account. Also, we were originally inquiring with a lawyer via XXXX XXXX to attempt to send a negotiation letter on the account, however, that was denied as well. We did not retain the lawyer and was subsequently told that we now needed to send a letter of release from XXXX XXXX XXXX, but we never retained them. These were also other illegal forms of stall tactics utilized by the XXXX XXXX XXXX which was hired by TideWater Finance Company to come after us, although we made several attempts to notify TideWater of our situation and request a Workout Plan but was denied or lied to on every count. Also, with other attempts to reach XXXX XXXX XXXX via email and voicemail messages, I asked if they had reached out to TideWater on XX/XX/XXXX, and they claimed they were waiting to hear back. However, when I reached out to TideWater on the late afternoon of XX/XX/XXXX and spoke to XXXX, she informed me that they had no indication on file or anywhere in the system that the XXXX XXXX XXXX reached out to them, since we proposed negotiations on XX/XX/XXXX. I also left a voice mail to the XXXX XXXX XXXX regarding their stall tactics, since I did not receive an answer from XXXX nor did I receive a return call on any of the messages I left with XXXX XXXX XXXX. They were also taking advantage of us during this time because they knew an Answer had to be filed by XX/XX/XXXX or else it would Default to a Judgement which were trying to avoid. And widen I did finally get XXXX on the phone after her colleague went to her desk on XX/XX/XXXX, I was told we did not have to file an Answer by XXXX at XXXX XXXX XXXX as she claimed, we are waiting to hear back from the client and most people don't file an answer and I said I wanted to be certain that they would not try to default and she said no that wont happen. However after, the call she never picked back up each time I called in and I, in turn, called TideWater again, and spoke to XXXX who claimed she did not know what filing an Answer was, although she was in the Legal department and also wanted to verify where my husband worked when I called in on XX/XX/XXXX & XX/XX/XXXX, although this had never been discussed previously. Each party, TideWater and XXXX XXXX XXXX XXXX were corroborating against us and not willing to help us and attempting to take advantage of us in the process. Also the account is under {$3000.00}, however, the XXXX XXXX XXXX, on purpose and with ill will intent filed the claim in State of Georgia Civil Court vs. the XXXX XXXX County Court which oversees civil claims under $ XXXX only to take advantage of XXXX Minorities in attempt to take their payroll checks in hopes of one not filing an Answer or making it difficult on the defendant. Therefore, we also believe we are being discriminated and retaliated against as U.S. Military Veterans and XXXX XXXX XXXX Minorities which I stated to XXXX XXXX XXXX as well via email phone call on XXXX & XXXX due to stall tactics lack of empathy, and on purpose telling us lies between XX/XX/XXXX & XX/XX/XXXX and taking advantage of us in a vulnerable state as XXXX XXXX XXXX Minorities and U. S. Military Veterans. We are requesting that TideWater work with us on the real balance of the account which is {$2300.00} and discuss letter and request for workout plan, prior to our account being transferred to XXXX XXXX XXXX XXXX in XXXX, GA who takes advantage of XXXX XXXX XXXX Minorities in the GA. I was informed by a TideWater the balance was {$2300.00} prior to in being transferred to XXXX XXXX XXXX and had to ask for the Account details, but was not provided this information by Tidewater when I called in XXXX, although they had access to it but was told they could not retrieve and had to go through the XXXX XXXX XXXX. I kept getting the run around regarding this request as well and after requesting it repeatedly in email and phone with XXXX XXXX XXXX, they did not send it until XX/XX/XXXX, the last day to file an Answer. This was also done on purpose by the XXXX XXXX XXXX.
02/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30022	Web	Servicemember
We originally opened an account with XXXX XXXX via their third party creditor - TideWater Finance Company - who has taken advantage of us as consumers, U.S. Veterans, and XXXX XXXX Minorities. We previously reported and wrote a letter in XXXX that we were experiencing extenuating medical and financial circumstances, due to our daughter being hospitalized for over 34 Days in XXXX and my major job loss and made many attempts in XXXX with calling in to request special exceptions and special programs due to these difficult challenges we were having and my husband had already given TideWater the permission to speak with me, XXXX XXXX, ( his wife ), which is documented and taped on TideWaters recording systems as well. They made no attempt to provide us with a special finance program due to the extenuating financial & medical circumstances we expressed and have be exasperated mentally and physically over the last 2 years with caring for our daughters major illness and life-threatening medical condition she encountered at the end of XXXX while away at school. We encountered over {$70000.00} in medical bills and had to care for our daughter. Although we made concerted efforts to notify TideWater and request a special exception/program, they showed no empathy nor sympathy concerning our situation and we were not given any notice until someone knocked on our door regarding lawsuit paperwork which were unaware. We also did not receive the proper notification that it was being turned over to a lawyer or the written prior indication that a lawsuit was imminent via a document called a Notice of Intent to Sue. Upon receiving the falsified lawsuit, I again made multiple calls to TideWater starting in XXXX, XX/XX/XXXX & XXXX & XX/XX/XXXX, in an attempt to discuss the account, the letter they received in XX/XX/XXXX, and potential workout plans but was never given the opportunity avail. I explained that I sent letter explaining our situation in XXXX when our daughter was hospitalized for 34 Days Including XXXX and never received a response on workout plan. I also spoke to Ms. XXXX, the Assigned Account Manager, in XX/XX/XXXX who stated she would escalate the request to her management team to reduce the balance and see what type of settlement offer they could provide. However, I never heard back. I made other attempts over 10 to call back in to pick up the conversation which was had in XX/XX/XXXX and was promised they would get back with me but never did and calls were recorded on their systems if they did not delete them. I also reached out to contact Tidewater again in XX/XX/XXXX, & XXXX and spoke with another Account Manager, XXXX, after being directed to the XXXX XXXX XXXX XXXX whom they hired and who also utilized stall tactics, claiming they reached out to Tidewater regarding our multiple requests to negotiate the balance he was attempting to collect on a {$2000.00} card with costs inflated to {$4000.00}. XXXX claimed she was also going to get with her manager to request an exception to negotiate the balance and promised to circle back to me on XXXX XX/XX/XXXX, since I made attempts to contact the lawyer via phone and they were screening and dodging my calls. However, I never heard back from XXXX and attempted to call back in on XXXX XXXX and received various transfers to different people which was another run around stall tactic. I also made several attempts to contact XXXX XXXX XXXX XXXX to speak with XXXX the assigned law representative the XXXX XXXX XXXX XXXX and on almost every instant between XXXX XXXX, XXXX, XXXX, XXXX, XXXX, she avoided my calls and would not pick up the phone. I also had to dial another extensionXXXX, to get someone else to pick up and reach XXXX so I could discuss the account and try to negotiate, after they also received an email per their instruction from my husband to grant me permission to speak on the account. Also, we were originally inquiring with a lawyer via XXXX XXXX to attempt to send a negotiation letter on the account, however, that was denied as well. We did not retain the lawyer and was subsequently told that we now needed to send a letter of release from XXXX XXXX XXXX, but we never retained them. These were also other illegal forms of stall tactics utilized by the XXXX XXXX XXXX which was hired by TideWater Finance Company to come after us, although we made several attempts to notify TideWater of our situation and request a Workout Plan but was denied or lied to on every count. Also, with other attempts to reach XXXX XXXX XXXX via email and voicemail messages, I asked if they had reached out to TideWater on XX/XX/XXXX, and they claimed they were waiting to hear back. However, when I reached out to TideWater on the late afternoon of XXXX XXXX and spoke to XXXX, she informed me that they had no indication on file or anywhere in the system that the XXXX XXXX XXXX reached out to them, since we proposed negotiations on XXXX XXXX. I also left a voice mail to the XXXX XXXX XXXX regarding their stall tactics, since I did not receive an answer from XXXX nor did I receive a return call on any of the messages I left with XXXX XXXX XXXX. They were also taking advantage of us during this time because they knew an Answer had to be filed by XXXX XXXX or else it would Default to a Judgement which were trying to avoid. And widen I did finally get XXXX on the phone after her colleague went to her desk on XXXX XXXX, I was told we did not have to file an Answer by XXXX at XXXX XXXX XXXX as she claimed, we are waiting to hear back from the client and most people don't file an answer and I said I wanted to be certain that they would not try to default and she said no that wont happen. However after, the call she never picked back up each time I called in and I, in turn, called TideWater again, and spoke to XXXX who claimed she did not know what filing an Answer was, although she was in the Legal department and also wanted to verify where my husband worked when I called in on XX/XX/XXXX & XXXX, although this had never been discussed previously. Each party, TideWater and XXXX XXXX XXXX firm were corroborating against us and not willing to help us and attempting to take advantage of us in the process. Also the account is under {$3000.00}, however, the XXXX XXXX XXXX, on purpose and with ill will intent filed the claim in State of Georgia Civil Court vs. the Magistrate XXXX County Court which oversees civil claims under $ 25K only to take advantage of XXXX Minorities in attempt to take their payroll checks in hopes of one not filing an Answer or making it difficult on the defendant. Therefore, we also believe we are being discriminated and retaliated against as U.S. Military Veterans and XXXX XXXX Americans Minorities which I stated to XXXX XXXX XXXX as well via email phone call on XXXX & XXXX due to stall tactics lack of empathy, and on purpose telling us lies between XXXX XXXX & XXXX and taking advantage of us in a vulnerable state as XXXX XXXX American Minorities and U. S. Military Veterans.
12/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92020	Web
I bought a car in the summer of XXXX that was financed through Tidewater Financial. I was late during the year of XXXX and had one payment returned with a {$15.00} fee. XXXX though was a new and different year. I have not been late, actually paid the NSF fee ( 3 ) times, started paying with a check to avoid the extra {$10.00} fee per payment whether online or on the phone that the company charges. This summer XXXX I called to get a pay off amount. I came into some extra monies and realized that my interest rate of 17.75 % was actually 17.99 % and that I would save four years of interest on a 6 year loan if I paid it off. My payments are {$480.00} per month. I knew this money would be coming in about three months so figuring our the extra payments I should owe around {$18000.00} to payoff my loan on my XXXX XXXX XXXX. I received a notice from XXXX XXXX on XX/XX/XXXX saying my balance had gone UP in the amount of {$200.00}. How could this be when I am making monthly payments? This implies as it effected my credit score I am NOT making my payments when in fact I WAS making my payments. I called into Tidewater Financial and got a really nice girl who stated ( their conversations are recorded ) that their accounting system had changed but a supervisor would look into this and call me back. I called three different times with supervisors supposedly going to look into my requests without hearing from anyone before reaching out to the headquarters of Tidewater Financial. The first person who I spoke to at corporate was a XXXX XXXX who sent me a payoff notice on XX/XX/XXXX stating I owed $ XXXXwhich was MORE than when I called in the summer three months EARLIER! Along with the payoff she sent me a complete breakdown of my allocation of payments. I ended up auditing their payment history as there were many errors in it. I do accounting and finance for a living. I sent back an email with my concerns and it was then escalated to XXXX XXXX who on XX/XX/XXXX sent me another breakdown of my payment history-which had more interesting ways of allocations that contradicted what XXXX gave me-and the balance was the same number even though at this point ( 2 ) additional payments had been made but not allocated to the account. Mind you side note-the payments are sent to XXXX XXXX but get deposited to a Tennessee lockbox which delays payments-I have all my checks dated on the checks cashed and it is conveniently taking enough time for me to incur late fee, charges and accrued interest on my account. I do another audit pointing out the inconsistencies with allocations, the two different system statements sent to me, my findings with no response from XXXX until XX/XX/XXXX when I now hear from a XXXX XXXX who is the Compliance and Credit Supervisor at Tidewater Financial. By the way my credit report updated on XX/XX/XXXX saying my car loan went down {$180.00} BUT this means there is still an increase of {$23.00} they are reporting incorrectly. On XX/XX/XXXX Tidewater puts a note on my credit account about looking into my payment history etc. but then on XX/XX/XXXX my car loan goes up another {$35.00} according to my credit report I sent Tidewater copies of it-so now I am a total on my credit report showing an increase of {$58.00} that they will not credit nor remove from my credit report to adjust it correctly. It is at this time I begin to work with XXXX XXXX who ignores my emails until the XXXX of XXXX stating responses have been mailed to me. I have to ask here if she can send me a copy of those letters before I get them. At this point a XXXX XXXX is now involved and sends me copies of the letters in the mail to me. I email both back asking why I was charged monies for fees I was not told about? I asked them both why my credit keeps getting attacked when they said it would not? I have all the emails and audits to support these claims. I then do ANOTHER AUDIT against the new information provided. I listed again the concerns that I still had. I now had another NSF fee even thought I had not had any payment returned since that one time. They said they were going to credit it me {$550.00} that they charged me in certain fees, yet if you add up the late fees, the convivence fee that I was never told would be included in the amount of {$24.00} monthly, the supposedly late fees, even though the were made on time over the phone but it posted later? All these fees they charged me did NOT end up being only {$550.00} not by how they calculated it but just by using their own allocation on their statements sent to me. To make matters worse instead of giving me the credit of the incorrect amount they only credited my account per their own statement $ XXXXthis is not including the NSF on my statement they can not explain, the extra {$58.00} on my credit or the incorrect calculation of my interest using the governments site of how my payments should be posting using the interest rate I have, months of the loan and also my monthly payment-again I did ANOTHER audit from the last statement showing with their information which is wrong but I allocated it how they said I paid and the numbers do not add up. All I am asking for is them to make the account correct-have a video call with me to resolve calmly the issues-take the payments since XXXX and apply them to principle so I can pay off the account. Why basically should I pay an extra almost {$1500.00} extra for something I do not owe? I emailed XXXX and XXXX again today again after getting another generic letter with again a copy of my contract-the contract is not the issue their payment center processing is. I am asking for your company 's help as I am also trying to get my government representatives involved-but with a global pandemic and also a political change going on it will be some time if I hear anything and I want to resolve this now.
12/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. TIDEWATER FINANCE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
01/02/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OK 740XX	Web
On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX for {$15000.00}. It was financed through XXXX XXXX XXXX XXXX. XXXX XXXX in XXXX. VA XXXX. My first payment was made on XX/XX/XXXX for {$380.00}. I paid on this loan/vehicle until XX/XX/XXXX when I was laid off from my job. I contacted XXXX XXXX XXXX that I could no longer afford the payments and they agreed to take the vehicle back and sell the vehicle and let me know how much I owed to cover the difference. I contacted XXXX XXXX XXXX MULTIPLE times over the next few weeks and months and years to find out the status of the loan and every time I was cussed at and I was told that they would let me know when they had the information. They were always very rude and hateful and no matter who I spoke with I was given the same answer. I asked them to mail me something saying how much I owed and they said I should get something in the mail. I never received anything from them. I would call again later in the year and got the same response of cussing at me and not telling me what was going on and hanging up on me. I was so frustrated with them I thought that if they wanted me to pay for it then they needed to tell me what to pay and I didn't contact them any longer. Fast forward 5 years.,,, to XX/XX/XXXX and a petition was filed against me in my local XXXX XXXX XXXX XXXX No. XXXX from Tidewater Finance Company for {$30000.00}. The petition states that this amount includes interest at 20.95 %. The amount they said I am deficient is {$21000.00} as of XX/XX/XXXX. The only paperwork used to determine this amount was the finance paperwork that I signed at the car dealership on XX/XX/XXXX. This information did NOT include the 1 1/2 years of payments that were made, the $ amount the car was sold for and it did not include the amount that was NEVER told to me about how much I owed once the car was sold. I took the paperwork I was served to an attorney and he wanted a large sum of money as a retainer that I could not afford so his advice to me was to write a letter to the judge stating what had happened up to that point and see if I can represent myself to hold them accountable for the legal process XXXX XXXX XXXX was supposed to follow once the vehicle was back in their possession. The attorney also said that the statute of limitations for this type of petition is 5 years so Tidewater Finance waited almost to the day 5 years to file this petition in hopes of getting the LARGEST POSSIBLE amount of interest added to the balance. So I followed the advice of the attorney and wrote a narrative of what happened and filed it to the case. I filed that on XX/XX/XXXX. On XX/XX/XXXX, the judgement went in favor of Tidewater Finance for the amount of {$21000.00} plus interest at the rate of 20.95 %, attorney fee of {$2000.00} and court costs of {$330.00}. Fast forward to XX/XX/XXXX and my employer received a garnishment for me from Tidewater Finance Company for the amount of {$55000.00}. they are now taking {$730.00} a month out of my paycheck to pay off this incredibly fraudulent loan amount. At this rate I will be paying for this vehicle until 12 years after I am dead. I have paid a total of {$4700.00} as of this date XX/XX/XXXX. I have been trying to find out what I can do to get some help. There are laws that they did not follow in the process of this entire ordeal. I looked up Tidewater Finance on XXXX and they are doing this exact thing to MANY people! They are refusing to cooperate at the time of the return of the vehicle so that they can come back with an enormous amount of money to collect on purpose. There was NEVER anything sent to me about what I owed, I was NEVER told what the vehicle sold for, I was never contacted by them in ANY way for 5 years. I tried to contact them over 100 times and I was treated like garbage by them. Looking through the case I do not know where they are getting the numbers from, there is no mention of payments, the balance when the car was taken nor the balance when they car was sold and how much for. The numbers do no add up and the amount financed was {$15000.00} and now they are collecting {$55000.00} and the amount is increasing at the rate of 20.95 % until paid in full? PLEASE HELP ME!
05/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33021	Web
Subject : Complaint Against Tidewater Credit Services for Alleged Fraudulent Debt Collection Practices against low income senior citizens like myself and my XXXX Senior Citizen Husband Dear Sir/Madam, I write to you as a concerned citizen seeking assistance and justice regarding the relentless harassment my XXXX senior citizen husband and I have endured at the hands of Tidewater Credit Services . As a senior citizen and a low-income individual, I find myself in a vulnerable position, being falsely accused of a debt that I do not owe. Allow me to provide the details of my complaint : Personal Information : My Name : XXXX XXXX Gender : Female Senior Citizen/low income Husband : XXXX Senior Citizen/low income Harassment and Fraudulent Debt Collection : Tidewater Credit Services has continuously harassed and threatened me with false claims regarding a debt that they allege I owe. Specifically, Tidewater Credit Services accuses me of purchasing the following items on XX/XX/2016 / Original Account # XXXX : One dishwasher One XXXX dryer One XXXX washer They claim the total amount of the debt is {$3900.00} in principal, {$70.00} in late fees, and {$420.00} in additional charges/ Original Account # XXXX I have repeatedly informed Tidewater Credit Services that I have never purchased any of the aforementioned items, and therefore, I am not responsible for the alleged debt. Lack of Proof and Ignored Requests : Despite my clear denial and requests for debt validation, Tidewater Credit Services has failed to provide any supporting documentation to prove that I owe the mentioned debt. I have asked them on multiple occasions to provide any form of proof that the debt belongs to me, but my requests have been consistently ignored. Their refusal to provide any evidence raises serious concerns about their integrity and adherence to proper debt collection practices. Vulnerability and Praying on Senior Citizens : As a senior citizen and a low-income individual, I feel particularly targeted and exploited by Tidewater Credit Services . Tidewater Credit has made unwarranted threats of garnishment and freezing of my bank account, causing Me and my XXXX senior citizen husband XXXX XXXX and XXXX It is my personal belief base on my personal experience, that Tidewater Credit Services is preying on low income senior citizens like myself and my XXXX husband, attempting to collect on a debt that does not exist Request for Thorough Investigation, Resolution and Accountability I humbly request the Consumer Financial Protection Bureau to thoroughly investigate my case and the practices of Tidewater Credit Services. I urge the Bureau to hold Tidewater Credit Services accountable for this alleged fraudulent debt collection practices, especially targeting low income senior citizens. Given the existence of two class-action lawsuits against Tidewater Credit Services , also known as Tidewater Financial , and over 215 public complaints outlining similar issues of attempting to collect on false or nonexistent debt, it is evident that my husband and I are not the only victims. ALL I am asking is Proof that I signed for this debt and Received this debt. Because there is an absolute absence of any substantiating evidence that confirms my liability for this debt, other than the unsubstantiated and unproven claims made by Tidewater Credit Services. I sincerely implore your assistance in rectifying this unjust situation. The actions of Tidewater Credit Services have caused significant distress and hardship for my XXXX husband and me. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers and ensuring fair practices within the financial industry. Please let me know if any additional information or documentation is required to proceed with this investigation. Thank you for your attention to this matter. I eagerly await a resolution that will bring an end to this emotional and financial draining harassment holding Tidewater Credit services /AKA Tidewater Financial accountable upon concluding the investigation Sincerely
12/08/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75287	Web
On XX/XX/XXXX I Purchased an auto loan from TIDEWATER FINANCE COMPANY , INC. for XXXX with a monthly payment of XXXX a month. I made XXXX on time payments that equaled to around {$9100.00} with this company but still owed almost {$14000.00}. The interest rate was so high on the vehicle that no company that I reached out to would refinance it due to it being upside down on the value by {$7000.00}. I repeatedly reach out to them to work something out with the refinance company but they refused and talk so disrespectful to me, I felt like I had no way out from the company. Around XXXX XXXX I reached out to an attorney that I used in my Bankruptcy case in XXXX and was told that I wasn't supposed to purchased the vehicle at the time I did and I needed to turn the vehicle in because at the time I got the vehicle my bankruptcy case was still open and I should not have made any large purchases. I recached out to TIDEWATER FINANCE COMPANY , INC. and asked them to pick the vehicle up and that I wanted to do a voluntary repossession on the vehicle and could no longer afford the vehicle and they refused to pick the vehicle up. They finally picked the vehicle up In XX/XX/XXXX and charged it off in XX/XX/XXXX and sold it at auction in XX/XX/XXXX and sent be a bill of {$14000.00}. I reached out to them and asked how did they sell the vehicle and I still owe the exact amount as if i still had the vehicle. The XXXX I spoke with gave me so much attitude and hung up on me, so I disputed it on my credit reports as inaccurate but they would not change the balance and said it was accurate to the XXXX reporting agency 's. So I just left it alone for awhile and just let time deal with it on my credit report and kept disputing it every chance I got to get it removed because it was reporting inaccurate balances on all XXXX reporting agencies but they don't give up, Kept telling them it was accurate. But now its went up to XXXX in XXXX. Now back in last year during the pandemic, I started getting missed payments from TIDEWATER FINANCE COMPANY , INC. for {$180.00} every month and it put them back up to the top of my credit reports as missed payments and late payments and Charge off. Now its stating on my credit report that I owe them {$24000.00} which is way more than I originally purchased the vehicle for in XXXX. I reached out to them on multiple occasions this past year to get them to do right and fix the fraudulent reporting on my credit and to reverse the damage that it doing to me and my credit and my credit worthiness. My sore has dropped over a XXXX points and its impossible to get any lines of credit due to them saying that I have a new account that is delinquent and and haven't made payments on, While all my other open accounts are paid 100 % on time no late payments or charge offs. TIDEWATER FINANCE COMPANY , INC. needs to be shut down and fined for illegal consumer credit fraud reporting practices. Below is the payment history I copied from my credit report and it show exactly how they are scamming and using mob like tactics to get every dime out of any customers they choose. They need to be shut down and investigated. Its stating that they sold this debt back in XXXX but now they are back on my credit report. Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX {$19000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Balance on XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$19000.00} Monthly payment - Late payments XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX R CO CO CO CO CO CO CO XXXX XXXX XXXX - - - - - - - On XXXX CO XXXX XXXX R Repossession XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 72 Months XXXX XXXX
04/24/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33166	Web
i have a problem wit h TIDE WATER- XXXX XXXX EXHIBIT XXXX STARTED ON XXXX / XXXX / XXXX , i trying to use the card, then i paid to release capacity of my credit card. then EXHIBIT XXXX , I PAID XX/XX/XXXX , I suppose i was on time, then I did pay {$500.00}, XXXX dollars charge me by phone payment, which is ok since let me use the card, but could not use it in the STORE IS ONLY FOR XXXX - i did not like at all this card. i felt like the card ( tide water- XXXX ) manipulates the customer. EXHIBIT XXXX bill, payment information {$1900.00}, PAYMENT DUE DATE XX/XX/XXXX , not good, has to be XXXX . I did not like it this credit card and i ready have bad experience with XXXX XXXX XXXX XXXX IN THE, past THE REDUCE MY CREDIT LIMIT on his whim, I WAS SO MAD, AND RIGHT XXXX XXXX did WITH XXXX XXXX A ND I JUST CLOSED. MANIPULATE notice exhibit XXXX p ayment due date XX/XX/XXXX , report XX/XX/XXXX my payment should be there {$500.00}. i did no use the card, you can see it. EXHIBI T XXXX NE W BALANCE {$1500.00}, XX/XX/XXXX I HAVE TO PAY {$110.00} AS A MINIMUN PAYMENT DUE TOO MUCH, for a card i did not use, the NEW FEES CONVENIENCE FEE XXXX XXXX XXXX CONVENIENCE FEE XXXX . EXHIBI T XXXX MY PAYMENT ON XX/XX/XXXX {$230.00}, I AM LATE ONLY 8 DAYS FROM THE DUE DATE XXXX EXHIBIT XXXX , XX/XX/XXXX , NEW BALANCE XXXX NOW NEW FEE XXXX XXXX XXXX XXXX XXXX XXXX BIL LING AND PAYMENT HISTORY. I was no late more than 30 days on XXXX . i request to sent me the HISTORY OF MY PAYMENTS, EXHIBIT XXXX MY CREDIT REPORT XXXX , EVEN DOESNOT SHOWED THE NAME THE TIDE WATER OF XXXX , AS SHOWED WHEN YOU PAY AT THE STORE. I WAS LATE IN XXXX AS SHOWED THE CREDIT REPORT PULL ON THIS MONTH/ XXXX BECAUSE I CALLED THEM XXXX AND THEY ALWAYS SENT ME THE HISTORY REPORT, When i tried to resolve this with them, th e officer IN XXXX AND XXXX , read the report and i stay in the same circle. They called, called, called make so much XXXX , but right now i see it, i was no late in XXXX . At the end i told a bad word and they never called me back. XXXX # XXXX , the report from them showing me i have to pay on XX/XX/XXXX . EXHIBIT XXXX PAYMENT FROM MY BANK XXXX XX/XX/XXXX XX/XX/XXXX , THAT MEANS {$230.00} XXXX DRIVE ME CRAZY TIDE WATER WITH ALL THE CALLS THAN I PAY THAT AMOUNT EXHIBIT XXXX I paid and paid and my balance WAS NOT DOWN NOTICE I HAVE NOT USE THE CARD, I READY XXXX AND MY BALANCE IS ON EXHIBI T XXXX XXXX $ 1500.00}, THAT MEANS, I HIGHER THAN BEGINNING, EXHIB IT XXXX {$ 1500.00}, AND THIS MONTH WAS XXXX . EXHIB IT XXXX LA TE CHARGE XXXX , XXXX XXXX XXXX 15 DAYS LATE XXXX EHXIBIT XXXX MONTHLY PAYMENT XX/XX/XXXX , NOW SOMETHING HAPPENED BECAUSE THEY WROTE CUSTOMER PAYMENT XXXX , LATE CHARGE XXXX By that time i did not use the card, i previously paid with money order to be sure, they will received it. after seeing that i account no down started to pay directly with my bank, XXXX EXHIBI T XXXX I PAID ON XXXX / XXXX / XXXX I WAS LATE, BUT I DID PAY {$340.00}, I THINK {$260.00} PLUS XXXX , PLUS XXXX DOLLARS., EXHIBIT XXXX THE LAST BILL XX/XX/XXXX , IT SHOULD BE REPORT, THE SAME WHEN I STARTED WITH THEM MONTHLY PAYMENT DUE DATE XX/XX/XXXX I READY DID {$81.00} THIS BILL CAME EASY AND SOFT, I FELL AS A COW OR PIGGY BANK FOR THEM ALSO, if they have to do with XXXX XXXX , THIS CREDIT CARD, DO NOT REPORT TO credit bureau when you pay on time and leave the bad report forever. never removes anything.
01/26/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA XXXXX	Web
We believe XXXX XXXX XXXX is practicing unfair business practices. In XX/XX/XXXX or XX/XX/XXXX we bought a car and Tidewater financed it. The contract would 'mature ' on XX/XX/XXXX ( see attached ). We tried our best but fell behind on payments many times during those six years, but via e-mails we always requested how much we owed to bring our account current, and did so. According to our contract ( see attached ), Tidewater will notify us before the last scheduled payment was due of any changes in what we must pay. A quick search on XXXX shows that people in a similar situation usually receive a notification two months prior to the last scheduled payment if they still owe a balance. We 've never received such a notification. We never received any notification other than the monthly statements that never show how much the balance is over the years but does have a line where they could add any " Delinquent Payment Due ''. In the last 6 or 7 months, it was blank. Thinking we paid what we owed ( and trusting Tidewater would let us know if we had n't ) the, what we believed to be, last statement ( see attached ) showed a " Delinquent Payment Due '' of {$440.00}. Shocked to see that, we wrote them immediately to ask what that amount was for since they never notified us of that amount in those months prior. More than a month later, we still did n't receive a response. They called vigilantly and ultimately wrote us an e-mail ( see attached ) on XX/XX/XXXX. I wrote them back on XX/XX/XXXX ( attached ) and told them we were waiting for their written response to our letter, asking what that {$440.00} was for. We finally received their email response on XX/XX/XXXX ( attached ), and it was a shocker. According to the Tidewater rep, we did n't owe them {$440.00} but a whopping {$3600.00}! You can imagine how shocked we were to discover that amount! We wanted to respond quickly but tragedy struck our family and we went into mourning. We could n't focus on anything at that time. But when we were strong enough to respond, we decided to offer Tidewater a fair pay-off. On XX/XX/XXXX, we sent them a letter with a pay-off offer ( attached ). We heard nothing back. After the XXXX XXXX, we sent them a follow-up letter ( attached ), giving them until XX/XX/XXXX to respond. On XX/XX/XXXX, we finally received a response ( attached ) but it was sorely lacking. NO mention of our offer. NO yes or no answer. Instead, they ignored our offer completely but did say that they 'd honor our 'cease and desist ' - something we 've never asked for! Then, on XX/XX/XXXX, Tidewater sent a repo-man to husband 's place of employment, and since he was off that day, the repo-man came into the store and spoke with an underling of his. He just discovered that this morning! Aside from this being embarrassing, this move risked having him lose his job. There is a ZERO tolerance of debt collectors. The parking lot is n't large. It 's on private property and one strip of parking spots only. The repo-man did not have to get out his tow truck to see that the car was not there. There was no need for him to come inside the store, which is a high-end XXXX store with high-end customers. This is not how a business conducts fair business practices. We are at our wits end. We believe we 're, contractually, in the right but it appears Tidewater is n't listening to us and we hope you 'll have more luck. We 're not looking for a handout but we 've already paid the car twice and we do n't want to overpay what we contractually owe. This is why we filed this complaint with the CFPB.
07/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 63376	Web
Due to money issues I have a consent judgement owing money to XXXX XXXX XXXX. On XX/XX/XXXX at XXXX I contacted XXXX XXXX , Attorney, who is representing Tidewater for collections. My purpose was to determine the remaining balance of the account so that I could pay it in full to satisfy judgement. XXXX quoted me a balance of {$680.00} but then stated that I could just pay {$680.00} and he would call it even. I submitted a payment through my credit union bill pay service, XXXX XXXX, for {$680.00} dated XX/XX/XXXX. For informational purposes my credit unions bill pay service guarantees mailed checks will arrive prior to the post date on the check, generally mailing them 3-5 days in advance. Mr. XXXX did not deposit this check until XX/XX/2018 nor did he send any correspondence advising me of a remaining balance on the account . Furthermore, he did not notify Tidewater of the payment and allowed his client to assess fraudulent interest to my account which should have been paid in full. This was determined by a phone call directly to Tidewater which occurred on XX/XX/XXXX at XXXX because I observed my credit report had not been updated. A Tidewater representative told me that they had not been notified the payment was a final payment and that interest had accrued since my conversation with Mr. XXXX. They did not apologize, refused to recognize any wrongdoing, and stated that I owed a remaining balance of XXXX {$100.00}. Upon researching the history of my payments and comparing the deposit date against the check date, , every single check was delayed for deposit by a significant period of time. Here is a listing of some of these post dated checks and their deposit dates that have occurred since XX/XX/2018 : Check Date XX/XX/2018 {$130.00}. Deposited XX/XX/2018. Check Date XX/XX/2018 {$130.00}. Deposited XX/XX/2018. Check Date XX/XX/2018 {$6.00}. Deposited XX/XX/2018. Check Date XX/XX/2018 {$680.00}. Deposited XX/XX/2018. Since I had determined to resolve this issue, I authorized another bill pay to Mr. XXXX dated for XX/XX/2018 for {$100.00} to cover any remaining balance. Due to my unawareness of Mr. XXXX intentionally making deposits late, I was unaware that my checking account remained in an unbalanced state. On XX/XX/XXXX, XXXX I was again made a victim by a deposit against a checking account that was approximately {$8.00} short to cover because of the 13 day delay. I am now having to pay overdraft fees to my credit union due to Mr. XXXX bookkeeping practices. It is my contention that Tidewater, under the representation of Mr. XXXX, is intentionally delaying deposit of payments after physical receipt with the intention of generating revenue for himself and his client. I am asking for a government investigation into this matter. I personally am seeking legal representation and have put out ads on XXXX, XXXX, and the XXXX XXXX XXXX XXXX seeking other consumers that have been defrauded. I am also researching cases through Missouri 's XXXX XXXX so that I can directly contact consumers that have been affected by this fraud. If this is a prevalent issue it is my intention to file suit seeking class action status.
10/03/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 765XX	Web	Servicemember
I received the XXXX XXXX Improver card on XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX, serviced by Tidewater Finance Company. Made my first purchase that same day in the amount of {$60.00} Received my first bill at the end of XXXX with a due date of XXXX XXXX XXXX. I paid the amount in full on XXXX XXXX XXXX. Made another purchase in the amount of {$68.00} on XXXX XXXX XXXX. Received my statement for XXXX with a {$0.00} balance due at that time. I then received my statement for XXXX in the amount of {$70.00} due XXXX XXXX XXXX. I then called Tidewater Finance to dispute the interest fee in the amount of {$1.00}. Per the XXXX statement, there was nothing due at that time, so how can I be charged interest fees. The representative agreed after speaking with her supervisor and inform me that she would be removing the {$1.00} fee from my account and that I was to pay the {$68.00}. I paid the full amount of {$68.00} on XXXX XXXX XXXX my due date. I then made another purchase in the amount of {$57.00} on XXXX XXXX XXXX. When I received my statement for XXXX XXXX, it was in the amount of {$3.00}. It showed that the {$1.00} interest fee was still on my bill as well as a new interest charge in the amount of {$1.00}. On XXXX XXXX, I called in to dispute these fees stating that the representative informed me that the initial fee of {$1.00} was to be removed. I do n't know and still do n't know where the fee of {$1.00} comes from. They informed that since I did n't make a payment on XXXX XXXX after I got off the phone, that she did n't remove the charge. My bill was n't due until XXXX XXXX, in which I made the payment of {$68.00} per their instructions. I was n't informed that I had to make a payment on that exact day to get the fee removed. I should not have been charged the fee in the first place. That was the whole reason of me calling. I was told that they will not remove the fees totaling {$3.00}. I told them that they are very deceptive in their billing practices because I read their process of " How to Avoid Interest Fees '' It states that, " As disclosed in your Open End Credit Agreement and Truth in Lending Disclosure, no interest charge will be imposed in any monthly billing period, in which there is no balance at the beginning of the billing period. I decided to go ahead and pay the {$3.00} as well as the {$57.00} for my last purchase for a total of {$60.00} on XXXX XXXX XXXX because I did n't want them to hurt my credit report. I then received a statement in the amount of {$26.00} for a late payment. I again called on XXXX XXXX XXXX, to dispute this charge. I paid all my statement bills on time. I was informed that I was being charged for the {$1.00} back in XXXX. I told them that I was not going to pay any more fees to them. I was not late on any payments and I was told that they were going to send this to their supervisor and that I would receive a call with 24 to 48 hours. I have not heard from them. I did n't want them to hurt my credit by reporting false information to the credit reporting agencies, however, they have already reported the late payment to them and my credit score was impacted. The {$26.00} is due on XXXX XXXX XXXX.
05/19/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	VA 23508	Web	Older American
Three times in XXXX Tidewater Motor Credit ( TMC ) took unauthorized money from our checking account. Using ACH they took the money and credited it to their client. They should return the money, we are not responsible for their dealings with this client as we do not know the client and we had no relationship with TMC prior to this activity. XXXX XXXX, XXXX, TMC used the ACH system to take {$2100.00} from our XXXX XXXX XXXXhecking account in a transaction labeled Loan Payment ID : XXXX ( see attachment 1 ). We discovered this and XXXX reclaimed the money from TMC on XXXX XXXX with no protest from TMC. However, TMC had also used ACH to take money from our account on two prior occasions. On XXXX XXXX, XXXX, TMC took {$500.00} and on XXXX XXXX, XXXX, they took {$1000.00} from our XXXX XXXX account. Both transactions have the same Loan Payment ID : XXXX label as the XXXX transaction ( see attachment 2 ). XXXX offered no assistance on these transactions because of the time that had elapsed before they were discovered. TMC was not authorized to take this money. XXXX XXXX, XXXX, we filed a fraud complaint with the XXXX Police Department. The investigator hoped that TMC would refund the money to close the case. They are not willing to refund the money. On XXXX XXXX, after interviewing the client, he sent a letter to Tidewater Finance Company, ATTN : XXXX XXXX, Legal Assistant, XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( Evidently TMC is associated with Tidewater Finance Company ). The letter states that the client said she " did not know '' us and " did not make any payments from '' our account. The letter also states that our credit union account number differs from the client 's account number by one digit only. The investigation concluded that there had been an error made in entering the account number, leading to unauthorized transactions. Two weeks later the investigator sent a revised letter with the same date ( see attachment 3 ) to that same address. The revision was necessary because of an omission in the first letter. The revised letter states that we ... do not know '' their client and " did not authorize '' the payments from our account ( the original letter was missing the first not in this sequence. From the end of XXXX XXXX until XXXX XXXX, XXXX, we had many discussions with TMC representatives and jumped through their hoops to try to get the money back. We sent them information about our checking account, set up a three-way call with a XXXX representative, authorized XXXX to provide TMC with our personal information, and asked the XXXX Police to investigate. XXXX XXXX, XXXX, XXXX XXXX, Assistant to the Director of Asset Recovery Center for TMC, told me that TMC would not refund the money and that we would have to pursue their client for relief. They took our money but want us to deal with their client to get it back. At the end of that phone call, I pointed out the change in the revision letter, that XXXX XXXX had not previously noticed. XXXX XXXX, XXXX, I placed a call to XXXX XXXX, the legal assistant. I got through to his office and was promised a call back that I have yet to receive.
05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93306	Web
Please help me. I am asking for you to look into the XXXX XXXX XXXX/ Tidewater Finance Company because they are destroying my credit report. I say this because They are currently reporting an account to all 3 credit bureaus as having 21 late payments. To clarify the nature of the situation, I will describe to you why what they are doing is illegal. I understand that an account that isn't being paid on time or at all can have late payments reported to the credit bureaus. I also understand that the late payments can accrue if you make multiple of them consecutively. For example, if you do not make a payment for two months in a row you would get a 30 and 60 day late payments. If you fail to pay for 3 months you would get the two late payments mentioned previously as well as a 90 day late payment. I also know that if you are making payments on time but are still past due on a previous month due payment you would get what is known as a rolling 30 day late payment. For example, If I made XXXX 's payment on time but then skipped XXXX 's payment, and then began paying on time starting XXXX for 3 months, then I would have a 30 late payment in XXXX and a consecutive or " rolling '' 30 day late payment in XXXX and the three months afterwards. Well what is occurring with XXXX XXXX the XXXX Tidewater Finance company is something that is not allowed by federal regulation. Those companies have decided to report me with 18 consecutive 90 day late payments even though I have not paid them any money in 2 years! I am not proud that I have not paid them, and it actually is a very stressful thought which is always on my mind, but that does not excuse XXXX XXXX XXXX XXXX/Tidewater to hold my credit report XXXX or ignore federal regulations because they feel like it. According to the FDIC 5000 - Statements of Policy, UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY, 1, Closed-end retail loans that become past due 120 cumulative days and open-end retail loans that become past due 180 cumulative days from the contractual due date should be classified Loss and charged off. In other words, this account should have been charged off after the 180 day mark. That was nearly 2 years ago. I have attempted to call the XXXX XXXX XXXX/Tidewater and even the store where the account originated from which is XXXX XXXX. I have attempted to get them to correct this reporting as is mandated by the FDIC but they refuse. I have done so on numerous occasions over the past year. Every time I communicate with any of the companies, I am told that the only way to fix this reporting is for me to pay them what I owe. Again, I understand I owe money, but that does not mean that a creditor can keep an account open indefinitely if it hasn't been paid. That is against the FDIC rules. If they could keep it open indefinitely, they could keep it on my credit report indefinitely and then the 7 year statute of limitations for credit reporting would be irrelevant. Please help me in getting tidewater/ XXXX XXXX XXXX to charge this account off starting at the 180 day of no payment.
08/25/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95407	Web
I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. While at the store ( XXXX XXXX where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from XXXXewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company. XX/XX/XXXX Tidewater has lied about sending me any paperwork the day of nor the day after I purchased the mattress at XXXX XXXX. I still do not have a Truth In Lending for the date the payments were to begin. I have only paperwork from XXXX XXXX as to who lent the money and only their name. I am putting in this second complaint. This company should be known to other consumers and companies that this financial institution frauds the consumer of the one year of free interest. What happen to me I am sure happens to most of whom they offer the credit to.
03/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 270XX	Web	Older American
I humbly write this letter to seek ( and plead for } your help in a matter that I believe to be unfair trade practices and malicious intent. I made a purchase of furniture from XXXX XXXX XXXX in XXXX, NC on XX/XX/XXXX. The furniture was financed through three ( 3 ) finance companies : Tidewater Finance, XXXX XXXX and XXXX XXXX XXXX. As you will see in the enclosed letter from my attorney and supporting documents, XXXX XXXX XXXX breached the contract by not delivering all of the furniture that was ordered by the delivery date guaranteed by XXXX XXXX XXXX. All furniture was to be delivered in its entirety by XX/XX/XXXX. The bulk of the furniture that was delivered was incorrect ( delivered wrong size beds and matrices ) per the purchase order and the remaining furniture that was delivered damaged. I never received all of the furniture that was stipulated in the purchase order and, based upon this breach, I cancelled the entire order. Specifically, my complaint is regarding to the refusal by Tidewater Finance to refund all of the money that was financed through it and remove all negative entries to my credit report. When I cancelled the order in XXXX, I was refunded all of the money from XXXX XXXX and XXXX but Tidewater Finance only refunded part of the amount financed. I returned all of the furniture that was delivered within the original purchase order, including a king size bed headboard and footboard that was incorrectly delivered. I have enclosed all of the documents that I prepared for my attorney to ensure her letters were factual and complete. I have also included a copy of an email I sent to my attorney showing very negative information posted to my credit report by XXXX XXXX. All furniture that I received was returned, including items that were delivered the wrong size. XXXX XXXX and XXXX each refunded the entire amount of money and removed negative postings from my credit report. XXXX, however, has not only failed to cancel its financing agreement, it has continued month after month to increase the balance it says I owe. I have pasted a copy of my credit report regarding Tidewater Finance in an effort to illustrate the damage they have done to my credit. Because Tidewater Finance continues to report that I have an unpaid balance of {$510.00} and their egregious actions of adding to my balance a late fee per month since XXXX. I have been denied credit three times. Tidewater Finance has destroyed my credit and continues to do so each month. I beseech you to help me resolve this injustice. I retained no furniture from the initial order yet Tidewater Finance claims I do. My attorney has tried many times to get Tidewater Finance to remove the posting from my credit report. My attorney hopes your agency can get resolution of this issue so that I do not have to incur any further legal fees. I have been XXXX since XX/XX/XXXX and I need Tidewater Finance to completely remove any balance and all postings to my credit report so I can start repairing the damage its actions have caused. Respectfully, XXXX XXXX XXXX
05/22/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89166	Web
I have a auto loan with Tidewater Motor Credit an d I wish I did online research PRIOR because every single complaint is the same or worse than mine and the Government has n't shut them down. Tidewater used a predatory loan and changed the terms on us after we signed paperwork, then their online and automated phone systems do not work on purpose to FORCE customers to call in so they can add on ridiculous fees to charge. When you call to make a payment the approximate hold time is in excess of more than TWO HOURS and when you finally do get through they either tell you that you MUST make 3 MONTHS worth of payments or they tell you to pay the vehicle IN FULL or they will not take your payments???!!!!! That will force customers to spend way more than they can afford, or into hiding. There are many lawsuits against them for the same issues. They called me at all hours of the day and night before XXXX and well after XXXX and they threatened to send someone to " sit outside my home to wait for me ''. Their repo people have disclosed my debt account balance to my neighbors by literally walking door to door in my GATED COMMUNITY, THEY HAVE GONE INTO MY WORK giving my boss and co workers personal information and how much I owe and leaving their information and they have offered a monetary reward to every one of them for turning me in. I had a woman named XXXX call me on X/XX/17 and she told me that I should " be embarrassed by not paying my bills and I did this to myself and then told me she was sending a tow truck with 2 men to sit outside my front door and follow me everywhere I go to retrieve the vehicle '' Today is the 11th time I have had to call the police because there is no peace when these men come, they BANG on windows, AND DOORS SCREAMING OBSCENITIES, try to break in the home, scare my children, neighbors, and myself. They have literally CHASED me in multiple vehicles trying to get the vehicle and it is all because they want to get paid. Tidewater gives their employees bonuses to collect extra fees and more payments and if you do not comply they say they do not want your business. How is this legal?? How can they force consumers to call in and charge them through the roof or take the car when I was trying to pay on time. On paper it looks like I was never on time bit the reality is they would never take a payment. And if I could get through, I could not afford 3 payments at a time???? Look online at their own employee reviews and you will see that it 's high stress to meet the incentive money goals and most feel the consumer is being taken advantage of. I have a log book with every date, every threat, every form of harassment from Tidewater and will be taking them to court if they do not fix this issue. I am not sure what Towing Company is involved but their harassment also violates Nevada laws as well a s Consumer Credit l aws. The police have been called here so many times and if you tell the company in writing to stop harassing they ignore it. Tidewater does not care aboit the consumer PERIOD.
05/16/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	VA 23606	Web	Servicemember
In XXXX the car I had purchased through the finance company was in a car accident and the car was totaled. My insurance company paid the car off with the Tidewater Finance Company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The finance company and XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX just garnished my wages in XX/XX/XXXX for a total amount of XXXX which was paid, now the finance company just served another garnishment on XX/XX/XXXX to my employer for a second amount XXXX. The garnishment summons expressed that all I owed them was XXXX which they have received already through an employer garnishment. I am afraid that after this is paid off they are going to keep asking me for more and more money and that this is never going to stop. Again, my insurance company informed me that the total balance of the car was paid off after the accident. They have not given me the opportunity to make any payment arrangements with them about this matter. They keep serving this paper work at an address that I have not lived at for over 16 years ago which does not give me any time to address this matter. I feel that if Tidewater Finance Company and XXXX XXXX XXXX XXXX. has tracked my employer down, then they should have asked me for my correct address so I can address this matter in a promptly fashion. I feel that the lawyer and the finance company bypassed certain criteria 's and laws that was afforded to me as a consumer by violating my consumer rights for not allowing me to deal with this matter in a more appropriate manner according to the State of Virginia and federal consumer laws. It has caused distress for my at my job between me and my employer and can cause me to possibly lose my job due to the inconsistency that this situation continues to keep developing. This is the second time within 10 months that the lawyer and the finance company have pulled my name into court in order to retrieve funds from me for this matter that the insurance company have paid them the first time. I feel like I am being abused by the finance company, the lawyer and the court system. I feel like my consumer rights have been violated by the finance company and the lawyer. I feel like I should have been given the right to address this matter without my employer being involved. On the last court ordered garnishment, the paper said I only owed them XXXX. They have received that and now they are asking for more money. I truly feel that some laws are being violated as well as my consumer rights by the lawyer and the company. I also feel like they are asking for excessive funds they are not entitled to by manipulating the court system to garnish funds. At this point they are asking the courts to garnish XXXX of my salary that is causing distress in my household. All I ask is if they could have contacted me at my correct address without involving my employer and affecting my household in such a dramatic way.
09/15/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	UT 84047	Web
This company is nothing but incompetent. We called on XX/XX/XXXX requesting that our due date change be moved from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. We were told when we initiated the loan that after our first payment, this would not be an issue. We were NOT told that it was too close to the due date to change. We were told it had been taken care of. When we first called, they said it was taken care of and to check back in 72 hours. We did. We found out that instead of a date change, they had filed a deferrment, and our due date change wasn't even logged. No worries, as we still had time before our due date, and we could fill out the form again. They assured us that even with the forms, it was ok, because there is an 10 day grace period after the due date. So we did, we asked again. And again, and again. We were repeatedly told that our due date would be the XX/XX/XXXX, until well past the XX/XX/XXXX of the month. My husband had been the one calling, but I called on the XX/XX/XXXX to find out what was going on, and I was told there was no record of him even CALLING. When we called on the XX/XX/XXXX, we were told that now our account had been charged interest and late fees. We stated our situation, we were promised a due date change. We had " supervisors '' tell us that they would waive the late charges because of the previous employees mistakes. We What they didn't tell us, was that they would be charging additional interest for every day passed. I spoke with XXXX, who initially claimed he was management. This was a lie, as when I called again to speak directly to him, he said he would be forwarding a due date change request to management. Management has yet to receive any of our requests, so I am starting to believe this " management '' does not exist. I told him I would make our normal car payment of XXXX today, and escalate the fees and interest to management. He said it wasn't possible for me to make less than XXXX, which was the new charge with " interest ''. I told him I was done with the call, and would make the payment online, and he said that wouldn't be possible. I made the payment online after we hung up, another lie. We have been lied to, charged ridiculous fees for things we were promised would be resolved, and have been put through an intense run around. I am beyond fed up with this company, and they need to be investigated for their beyond shady practices. DATES OF CALLS : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
02/09/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 95407	Web
I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. While at the store ( XXXX XXXX where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from Tidewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company.
10/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 372XX	Web
On XX/XX/XXXX I returned a phone call to Tidewater. I was advised my account was " under director approval '' for non-payment. The agent asked if I intended on making a payment to which I replied " Yes, I usually pay around the XXXX of the month ''. The agent replied " Actually last month you paid on the XXXX and the month prior the XXXX ''. While her intent was to argue, she actually affirmed my statement and also affirmed that I had indeed been making payments ; which Tidewater has accepted with no issue. I again advised her I would be making a payment for {$320.00} plus a late fee on the XXXX. She then placed me on hold to speak to my " Account Manager ''. She returned advising Tidewater would not accept any payment unless it was made via Debit Card. By doing so, Tidewater has violated consumer protections in regards to abuse/deceptive business practices. She also made a comment they do not accept check payments from me. As my account clearly reflects, my payments are made via Online Banking Bill Pay through XXXX XXXX XXXX. If my account is truly documented in such ways, why would Tidewater honor previous payments? I was advised if I made a payment it would be returned and not honored unless I agreed to make a debit card payment through them. Further, I was advised my account would he escalated for non-payment even though I just offered to make a payment. For the record, all phone calls to and from my cell phone are recorded and retained for legal protection. Tidewater has been previously made aware of this and also records conversations on their end. This voids any recording notice that they feel they should be entitled to. Tidewater charges for payments initiated through them regardless of the method used. Tidewater charges {$10.00} for all payments made regardless of amount. Tidewater 's business practices not only allow it to make substantial profit via this practice but also pass on added costs to consumers. This practice is clearly abusive and aimed at producing additional revenue. ACH payments cost lenders less than {$3.00} per transaction. This business practice is a ploy by Tidewater to take advantage of customers financial situation by offering sub prime lending products and charging unreasonable and unethical fees for such products in regards to servicing. Tidewater also violated collection laws by contacting 2 parties that are not of any relation via blood or marriage to me about the status of my loan.
06/27/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22901	Web
I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.
08/13/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MI XXXXX	Web
I made two purchases at XXXX XXXX XXXX using Tidewater Finance, under the agreement that if I paid off the loan within 12 months of receipt of the furniture, and there would be no interest. The first purchase was made on XX/XX/XXXX. I then made a second purchase at XXXX XXXX on XX/XX/XXXX and I again used Tidewater Finance. This purchase was not received for another 6-8 weeks, so I do not believe that I was charged until I actually received the furniture. It was my understanding again that if the loan for the second purchase was paid off within 12 months, there would be no interest. The last payment for the first purchase was received by Tidewater on XX/XX/XXXX. However, when I received my invoice I noticed that there was a significant increase in the balance. I called Tidewater and was told that because I had made a second purchase with Tidewater, both purchases would need to be paid off by XX/XX/XXXX in order for me to receive the no-interest offer. I explained that was not my understanding of the offer and that I was not told that at the time of the purchase. She then referred me to the bottom of the 3rd page of my payment statement, where both purchases were listed as two invoices. Thus, I was responsible for the complete payment. I spoke to a supervisor who was extremely rude of no help. She did, however, email me a copy of the invoices. In XX/XX/XXXX, I received an invoice that listed the final balance as {$100.00}. I sent this payment, thinking this was my final payment. In XX/XX/XXXX, I started to receive emails stating that my account was behind. I call to find out what is going on, and now there is supposedly another {$100.00} in fees. I spoke a representative and explained that I dispute these fees. She was nice and understanding and transferred me to a supervisor who again was rude. The supervisor agreed that I technically did pay off the 1st loan by the due date, but I was still responsible for the interest fees incurred. This was not why I called, I was calling about the current fees. When we could not come to a conclusion I explained that I would be filing a complaint. She said well I have to end this call. The supervisor, Tidewater is participating in predatory lending practices.
08/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 493XX	Web
I obtained financing from Tidewater Financial thru XXXX XXXX car dealer while in the process of filing for bankruptcy. When I obtained the financing I was told that I could refinance the loan in a year. I paid the monthly payments on time only to find out after a year that Tidewater would not refinance this loan and neither would any other lender due to owing more on the car than what it was worth. Had I known that this was going to be the case I would have never signed the loan documents as {$430.00} a month was more than I could afford on a long term basis. When I contacted Tidewater to see if they would modify the note to an affordable payment I was told no and when I asked if they would accept a short payoff they said no, well they said they would accept a short payoff but not release the lien until the entire balance was paid in full which is the same as saying no. I have no problem paying for this vehicle but can not pay {$430.00} a month and feel that I was mislead by being told that I could refinance the vehicle when they knew that they were lending more than what the vehicle was worth at the onset of the loan. I have paid around {$10000.00} on a vehicle that I can only get {$2500.00} for now ( XXXX years later ). XXXX years ago they provided a loan for {$16000.00} at a 25 % interest rate. How can you provide {$16000.00} on a vehicle that is not worth that amount with an interest rate of 25 % knowing that it will be a struggle for the person paying the loan. Predatory lending at its finest. I feel that I have paid them more than what the vehicle is worth and that this loan should be paid in full since I have paid them {$10000.00} and they are stating that I still owe {$14000.00}. There has to be some sort of resolve to this. I had a dealer that was willing to pay me {$5500.00} for the vehicle but because they would not accept the short payoff I had to pass on that offer. Now I am still stuck with a vehicle that is only worth {$2500.00} and they want me to pay {$14000.00} for it. I need help as to what my options are at this point.
07/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV 89015	Web
I originally filed a Complaint back in XX/XX/XXXX. Please refer to complaint # XXXX. Tidewater XXXX Finance was breaking several credit privacy and harassment laws trying to intimidate my entire family speaking to my boss, harassing my neighbors and causing emotional and financial stress refusing to tale payments for almost 2 years and putting us in a black hole of runaround anytime we tried to contact them. After they responded to previous complaint we still could not reach anyone to settle any terms refusing tp accept anything but the full amount for the vehicle and we never received any contact from the manager who responded to you saying that he would contact us so on XX/XX/XXXX the vehicle was surrendered to XXXX XXXX and Tidewater was contacted and told the vehicles location and to pick it up because we were afraid they would charge inaccurate maintenance fees and wanted documented proof that we did not have this vehicle. The entire loan from XX/XX/XXXX until the current date we have not received any final loan terms, or any vehicle payment statements. We had complained that we never had access to their website to pay the bill but needed the terms of contract to verify agreement of final terms since it was " TBA '' on dealer contract and we did not know who our lender was at signing. 2 years go by and they reported nothing. They have the vehicle. I never received ANY bills or communication from them at all and for the last 16 months they have destroyed my credit continuing to charge me like im missing payments PLUS INTEREST ON A VEHICLE I HAVE NOT HAD FOR THREE YEARS AND ITS UP TO {$35000.00}??!! How can thia be legal when i have nothing in writing stating anything including the original paperwork from the financing??!! I have disputed their practices through XX/XX/XXXX and the company continues to charge monthly payments when they have the vehicle. Did I miss any law that allows any creditor or bank to stay dormant for years after what they did to me and my family and now destroying my credit with no regard for the law.
02/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80022	Web
XXXX XXXX XXXX XXXX XXXX card was underwritten by Tidewater Finance Co out of XXXX, VA I opened the account at a XXXX XXXX store in XXXX XXXX, NV. in XXXX or XXXX. XXXX XXXX no longer has this option and the accounts were closed. I still paid my payment on time, every time, and usually more than the minimum. Last month, my payment is due on the XXXX of the month, I paid it a few days early and PAID IT OFF. Now, they are charging me more interest on a {$0.00} balance!!!!! I tried speaking to them today, the first man, XXXX, didn't speak English ( and neither did the receptionist ) which is frustrating as it is. XXXX corrected my address and SAID he put in a request to management to remove the charges. Never said it would be done and REFUSED to send me an email confirming that he changed the address and that he submitted for the account to be cleared. I asked to speak to a supervisor and was given to XXXX, who still had an accent, but not as thick and I could at least understand him, however, he couldn't comprehend English either. Found out that the 1st guy spelled my new city and street name wrong, so he corrected that ( I hope ) and again, REFUSED to send me an email confirmation on anything. Said they cant send out confirmations, only on payments. And he can't send anything out until management clears the account. Then they will send some letter. My payment is due next week. I'm concerned that these people will not do as they say and my credit is going to be impacted. How can they get away with charging interest when the account was paid in full before the due date? That would mean that every time you make a payment in full, they are going to charge you interest so you never pay off the account. Something needs to be done with unscrupulous companies such as Tidewater Finance Co. I would never recommend this company to anyone. They have outrageous interest rates to begin with, which is why I always tried to pay much more than the minimum on this account.
01/24/2021	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	IN 46835	Web
The last statement I received from the company was XX/XX/XXXX and it indicated that the loan balance was {$610.00} with a payment due of {$310.00}. I made my XXXX payment on the XXXX. Which would have made my remaining balance due for XXXX {$300.00}. I paid my next payment on XX/XX/XXXX. I never received a statement for the month of XXXX. I called on XX/XX/XXXX to ask when title paperwork would be mailed and was told I owed more money. I asked at the time for a statement to be mailed because I never received one. I was informed one would be sent. I called back on XX/XX/XXXX because I still hadn't received a statement and was told again that I owed more money and that a statement would be mailed. At that time I spoke with a supervisor named XXXX who told me he would look into it and call me back. I called back on XX/XX/XXXX, still no statements, no call back and was told they were still looking into it. I call back on the XXXX, was placed on hold while the customer service person said she talked to XXXX and their was no new information but that I should get a statement for XXXX. I call back on XX/XX/XXXX after still not getting a call back or statement or title and speak to manager named XXXX. She tells me that they are still reviewing my account. That brings me to today XX/XX/XXXX. I received a call from someone named XXXX who said she was a assistant manager and that my statements were turned off on my account and she was going to email me an account history and she didn't know why I didn't receive any statements the last few months or why my account was reported to the credit bureaus as paid in full. I made my last payment XX/XX/XXXX. I want my title paperwork. I reaffirmed on my loan and continued making payments. Now my car should be paid off and they won't give me my title paperwork or prove that I owe more money.
10/14/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CA 91913	Web	Servicemember
I purchased furniture from XXXX XXXX XXXX in XX/XX/2020 using their credit service from Tidewater Finance Company. Upon receiving my first bill, I set up auto pay through my financial institution and have paying this way ever since then. In XX/XX/2020, I got a phone call from Tidewater saying they had not received my XX/XX/XXXX payment, perhaps it was just lost in the mail. I simply adjusted my XX/XX/XXXX payment for double what I usually pay ( which is significantly more than the regular payment amount ). I didn't want to go over 30 days late so I was closely monitoring the Tidewater 's website to make sure my payment posted this time. On XX/XX/XXXX I still hadn't seen my payment post so I made an online payment for the same amount as the bill pay check. On XX/XX/XXXX, both the online payment and bill pay check cleared my account, a total of {$1000.00} ( my original required payment was roughly {$200.00} ). At this time, I logged on to Tidewater 's website to make sure the payments were reflecting in my account and neither of the two {$530.00} payments were reflected. I immediately called and spoke to a representative and was told that they were switching their system and to give it a few days to reflect. As of XX/XX/XXXX, neither payments were reflecting in my account. My bill pay was set up to send another {$260.00} payment XXXX my usual amount I send ) for the XX/XX/XXXX due date and to this day, XX/XX/2020, none of these payments are reflecting in my account. Every time I call I get different answers. They don't know " who cashed these checks '' even though I've sent them my bank statements, several cleared checks, etc. I have now received a hit to my credit saying that I was 30 days late on my payment and it dropped my credit score XXXX points on each of the three reporting agencies.
10/14/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 20191	Web
Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX
06/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 303XX	Web
I took out a loan with XXXX XXXX to purchase furniture in XX/XX/XXXX for approximately {$2400.00}. I had been making monthly payments of {$160.00} and the account was in good standing. I hadn't checked my balance and realized in XX/XX/XXXX that the loan was paid off in XX/XX/XXXX and had made 5 overpayments. This gave me a credit balance of {$930.00}. When I realized, I called them and asked for a refund check of the overpayment amount. I was told that a check would be issued and could take 7 to 45 days to issue. I thought that a bit strange but given my good standing with the account, assumed it would be closer to 7 days. I followed back up at the end of XX/XX/XXXX when I saw that my account still overpaid and had not received a check. I called again on XX/XX/XXXX and was told that a check was not set to be issued and that I would need to call back AGAIN on or after XX/XX/XXXX. I escalated to a supervisor. After being hung up on twice after being put on hold, I finally got to a supervisor. The supervisor told me that based on my account history/status and poor service experience, she'd make sure a check was sent out right away. Two weeks later ( today, XX/XX/XXXX ), I still have not received a check. I've called back to get a status and have been hung up on twice by the representatives after putting me on hold. When I called back a 3rd time, the representative ( XXXX ) put me on hold to get me to a supervisor only to come back on the line to say that their " system was having problems '' and she couldn't transfer the call and that the supervisor ( XXXX ) would call back immediately. He didn't call back. This is the worst experience I've ever had with a financial company and simply looking to get back my money. XXXX ( XXXX )
06/06/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30144	Web
I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment, Tidewater said it was n't sufficient to them to justify a lower payment program. Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on XXXX and XXXX 's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.
01/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30144	Web
I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.
08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48220	Web
I am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.
08/01/2017	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	FL 32935	Web
In XX/XX/XXXX I took out a credit card at XXXX XXXX with tidewater finance company, not long after I lost my job and had XXXX XXXX making the payments, I was in contact with someone regarding that and let her know I would take care of it. On XX/XX/XXXX I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was XXXX so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply. ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to XXXX and I have n't even used it!!! I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60563	Web
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to Tidewater. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and Tidewater agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with Gap. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, Tidewater, ( which the insurance department with tidewater email indicating that will be the next steps ). I received a statement from Tidewater, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with state farm and gap is currently taking place. I called Tidewater they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with Gap for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from Tidewater indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of Tidewater is hurting my credit score after they agreed to closeout the loan. Tidewater still continues to collect money from me, XXXX and Gap for a loan that was totaled by the insurance.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44120	Web
On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, Tidewater Finance is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a Tidewater Insurance representative XX/XX/XXXX in which she confirmed on a recorded phone call Tidewater Finance received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( Tidewater representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.
02/09/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93306	Web
I opened a credit account at a furniture store in XX/XX/XXXX. I purchased a bed using the store credit account through Tide Water Financial. I ended up canceling the order with the furniture store and requested the account to be refunded since I never received or picked up the bed ; I am not in possession of the bed. The furniture store refuses to refund me because they claim " its a courtesy '' to issue refunds and that they don't have to. I called the credit card company numerous times with different reps stating that they will escalate this to a manager and that I would get a call back. I continued to call the company and yet nothing was done. One manager told me I'd have to fight with the furniture store and that this was a correct charge. As of XX/XX/XXXX this still had not been resolved so I called the credit company again and spoke to someone who actually escalated the call to dispute dept. As of XX/XX/XXXX it still had not been resolved so I called the credit card company and spoke to XXXX my account manager and she stated that the furniture store had in fact admitted that the bed had never been delivered and that the order was canceled. She stated that the refund would be done by the furniture store by someone named XXXX and that she would call Tidewater the following day but that has not happened yet. My credit has suffered because of a charge that shouldn't be there because I do not have the merchandise that the charge belongs to.
11/07/2022	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 Investigation took more than 30 days	OH 44646	Web
Tidewater Motor Credit has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted Tidewater to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.
04/16/2018	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	NV 89148	Web
XX/XX/XXXX XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had. However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
07/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77049	Web
We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.
10/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 63033	Web
I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.
11/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92880	Web
So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. I have a XXXX XXXX and I am the XXXX, XXXX XXXX and woman in charge of the entire family group. I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my small company is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of my XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices. I HAVE NOT CLOSED, DO NOT LEAVE MY OFFICE DO NOT LEAVE MY staff that moves in commissions. PAY MY OBLIGATIONS AS IT SHOULD BE
10/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60435	Web
I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.
08/11/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	MD 20705	Web	Servicemember
To Whom It May Concern : I purchased a XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.
10/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33161	Web
Case # XXXX I made a complaint against this company Tide Water Finance hoping that they will stop sending me monthly statement hence they see a Government agency aware of their shady practices. They have not stopped ; the monthly statements keep on coming with charges that do n't make sense. I will send you a copy of this month statement to show you what I mean. It is ambiguous, confused ; I do n't understand the reason for the charge. The account says XXXX balance ; yet there is still a {$25.00} bill due. I had concluded my financial obligation with them last month. Their representative on the phone assured me that if I pay my final balance with a live person instead of the machine ( computer generated assistant ) ; for {$8.00} fee, this {$73.00} balance will be my final statement. This is the third final statement I received from them. I had {$100.00} final statement before, followed by {$73.00} which was supposed to be the last. Now I have a new statement with XXXX balance and a {$25.00} charge that can not be explained. When does final means final. I do n't want to have any surprises later on if I do n't pay and receive a bill for XXXX of dollars a year or so later. Their representative on the phone before I pay {$81.00} [ {$73.00} + $ XXXX {$81.00} ] gave me a confirmation number and the assurance that my transaction with them was final.
12/31/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MD 21117	Web	Servicemember
In XX/XX/XXXX I my mother ( XXXX XXXX ) purchased a vehicle for me. The finance company was Tidewater XXXX XXXX based in XXXX XXXX VA. The loans was for 60 months in term and XXXX monthly. So I had been using my debit card to pay every month. I started to run into financial difficulties in XXXX and then finally filed for bankruptcy in XX/XX/XXXX. There was a " stay '' that was in place to protect me for 90 days until the debts are discharged. Throughout the period from the time I filed on XX/XX/XXXX, I received several calls from Tidewater XXXX XXXX. I had two calls from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. They left messages on my voicemail demanding payment on every occasion. They also sent me a letter " Congratulating me on my Fresh Start with my bankruptcy ''. They also offered me {$15000.00} to purchase a new vehicle. They knew I filed bankruptcy. They finally came to repossess the vehicle on XX/XX/XXXX. I called them on the date of this complaint and they did could not give me information because I was not the owner of the loan is what they stated. So I asked them to return the payments that I had paid. They didn't say anything. So I notified that I would be filing the report. They violated the bankruptcy stay order.
07/03/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 77040	Web
I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.
03/08/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 92562	Web	Servicemember
I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST
10/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MI 48127	Web	Older American
The vehicle that I am purchasing, is finance through Tidewater. It is under a recall, on the engines The vehicle was towed to the dealership where i purchased it. The dealership stated that they could not look at the vehicle for three months and they did not know when it will be fixed. I reached out to all the four dealerships that service the vehicle and they stated the same. They also said they don't have any loaners available. It has been going on four months. They state that they are overwhelmed and can't do any better. I call every day and they say the same thing. I have explained this to Tidewater, but they still say it does not matter, I have to continue paying on a car that I do not have or use. I don't have anything to drive and don't know when or if I'll have something to drive. I want to work something out where my credit doesn't get bad for none payments, but it doesn't make sense to make a XXXX payment every month, on a XXXX XXXX XXXX that you can not drive. If Tidewater could work out something with me until or if I get a car back, or even if I can get a loaner, it would be helpful to me. I am a senior and this is very difficult with no transportation, but paying for one.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	DE 19711	Web
I submitted dispute on XXXX XX/XX/XXXX requesting incorrect information be updated and corrected for an old Tidewater motor credit account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy discharged XXXX XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then Tidewater motor credit reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called Tidewater motor credit about 5x on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at Tidewater motor credit in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!
01/02/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30024	Web	Servicemember
I had an auto loan w/ Tidewater XXXX XXXX . The car was repossessed in XX/XX/2014 approx., they are in turn suing me for the remaining balance. They had auctioned the car off which left the balance at XXXX. They ended up garnishing my wages and received XXXX. This garnishment was lifted because they attempted to go through my previous employer. While this lift was in place I negotiated to pay the Lawyer that is handling this debt ( XXXX XXXX ). Over the course of time I've paid in total XXXX. Yet they are stating I still owe XXXX ( for fee 's because I've already paid the loan amount back ) and are again garnishing my wages. So technically they will be getting well over XXXX from me for a car that's not even worth that amount and no longer in my possession. I am in the process of waiting for my court date, I went to the lawyer 's office where payments were being made and requested transaction history. What was provided was not sufficient enough to break out exactly how my I owe nor how the payment 's have been applied to the creditor/law/debt collector etc. The only thing the lawyer stated he could do was reduce the amount that would be garnished from 25 % to 20 %.
01/06/2021	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MN 553XX	Web
I obtained a Tidewater credit line from one agent in a XXXX XXXX store ( XXXX XXXX, MN ) in XX/XX/XXXX. While he quickly walked us through the terms, I believe he intentionally concealed / lied/was deceptive about interest and falsely represented this product to be interest free for one year upon which interest would resume on the balance. I signed up and paid without fail, over {$200.00} a month in hopes to pay off ASAP and avoid interest. When the year was up, they added {$500.00} of interest in the balance and warned to increase daily interest at 34 % daily if I don't pay immediately. I paid {$290.00} which was owed and requested to have the interest cancelled or resolvedas I believedI had been fraudulently misguided. They refusedandhave sincecalled several times harassing me and more recently ( XX/XX/XXXX ) an agent called XXXX ( ID ) called and asked me to use my stimulus pay to off the balance. At this time, they are refusing any attemptto resolve the issue of stop the interest accrueduntil the issue is adjudicated. I am writing in hopes that you are able to intervene in any way to prevent furtherdistress and offer relief to me as their customer.
05/06/2018	No	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TX 77067	Web	Servicemember
Sign under a promotional deal with Todewater Finance and received a 0 % interest bill up to my final payment. Each bill failed to state the amount of deferred interest getting charged to my account and the final bill stated that the interest charged to the account was still 0 %. Paid final bill then received a bill stating that I was charged an extreme amount of interest, as well as, vague and/or misleading information of the itemization of the account. Called to speak to the company and was rudely told that monthly statements are a courtesy and did not have to state accurate information. Was also told by two separate managers and several employees multiple stories about why my account was charged this amount. I received a payment history that had a missing payment made by myself. The company told me to get with the store that I financed my items from or to go back and provide my own information of my payment history for all payments. Ultimately, the company is using misdirected, misleading, and/or unethical business practices and according the last statement I received, before the fraudulent statement afterwards, the account is paid in full.
08/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33161	Web
Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. I feel that it is a deliberate effort to take money from me.
06/22/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 310XX	Web
I bought furniture from XXXX XXXX XXXX in XX/XX/XXXX. My credit access is frozen because my wallet has previously been stolen. ( I have Excellent credit ). To make things easy the salesperson used Tidewater Finance. I had planned to make 3 payments over 3 months to pay off the credit line. I was trying to keep my great credit score by borrowing and quickly paying off the credit line. On XX/XX/XXXX I wrote an electronic check for {$1000.00}, but oops I extra zero and I sent them {$10000.00}. That check cleared the bank on XX/XX/XXXX. I contacted them as soon as I realized it ( within 15 days ). I have since had my request for a refund escalated to a supervisor w/ no response. Today they told me that I requested my most recent escalation in XX/XX/XXXX and I would need to wait another 45-60 days from that date ( working days only ) before they would issue a refund. They charge 31.99 % interest on balances not paid by XX/XX/18. I had a credit line for {$3000.00}, I overplayed, by accident, {$6900.00}. They have backed my refund since XX/XX/XXXX and now tell me it will be XX/XX/XXXX or XX/XX/XXXX before the refund is issued.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 243XX	Web
I am filing a complaint against XXXX for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. Tidewater Motor Credit should have been removed off of my credit in XX/XX/XXXX. I have contacted Tidewater Motor Credit directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for XXXX XXXX has been very rude and will not even try to help me resolve this issue. The last time I called Tidewater I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that XXXX was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both XXXX and Tidewater Motor Credit. XXXX did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web
I submitted a previous complaint ( XXXX ) where I stated this credit card was not approved per customer service rep and a letter was sent to my home address from XXXX XXXX explaining the reasoning for disapproval. As the time went by, I had no acknowledgment of this credit card until tidewater sent me a notice of hearing for small claims. This item never showed up on my credit report. After looking into these allegations, not only was the card approved, but it was wiped out the first week it was opened. The items forwarded to me by tidewater as their proof of acknowledgment was a very incomplete application with a clearly forged signature and a inflated income which is very off because I am on XXXX. Because my complaint was denied by cfpb, the attorneys office pursued legal matters along with tidewater and received final judgment without my presence at the hearing. I did not receive a notice to appear. If I genuinely applied and utilized this card as I am being accused of, it should be easy for them to validate and show me all those cash advance purchases made the first week the card was opened.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web	Servicemember
Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.
08/04/2019	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	NC 28348	Web
I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please forward any documentation that you may have in regards to the removal of this credit inquiry. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
12/10/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD XXXXX	Web	Servicemember
On XX/XX/2022, I sent affidavit with recision of contract to my finance company XXXX XXXX XXXX, due to the FDIC rules and regulations that were violated with my contract through the dealership. I'm enclosing all documents and correspondence I've had with them. They sent me a response on XXXX with my contract saying I signed the contract so I had to pay. They then sent another letter on XXXX that suggest my rescission of contract was a scam and that I was still liable for the remaining balance. On XXXX they sent me a repossesson letter for balance of {$4100.00} by XXXX. I then sent them a XXXX form on XXXX but I forgot to sign the back so I sent another one on XXXX that was signed on the back along with a XXXX form. They then responded back with a letter XXXX saying a XXXX form was for a mortgage and my debt is not cancelled or paid or forgiven by the United States Treasury department. That's why I'm filing complaint with you. I'm trying to upload all of my documents but it's not letting me do it, can you please send a email or portal to send my documents.
10/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94587	Web
In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).
05/17/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98075	Web
I paid off the balance of this account, but an oversight caused an extra payment to be sent to the company. I called my bank to try to reverse the charges, but they were unable to do so. I called the company. I first called on XX/XX/19, the day they received the payment, but the representative that answered the phone was unable to find the account. I repeated the information slowly and clearly, but they could not understand the numbers. They finally were able to access my account, but then could not understand what I was asking. After the fourth unsuccessful attempt to explain my request, I asked to speak with a supervisor. The rep then put me on hold for 12 minutes at which point I was hung up on. Then, I attempted to use their web chat, which there was no response. I finally called again and spoke with a person who now says they will return the money, but not for 60 days. They should not be allowed to hold onto my money and earn interest on it for 60 days. That is an unreasonable amount of time to hold someone's money on an account in good standing.
06/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30088	Web
Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took XXXX points off my credit score and I am in the process of closing on my house. My first payment is n't due until XXXX . As it stands, I contacted XXXX XXXX XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out XXXX Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.
01/14/2019	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	CA XXXXX	Web
XXXX continues to have XXXX on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX XXXX which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also XXXX continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX and XXXX. XXXX is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as XXXX website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23464	Web
XX/XX/2020 I spoke to a representative who set my account up for a deferment due to covid-19 under the CARES ACT. I was told this would not have any impact on my credit as I would be reported current and that the balance of the payments that were deferred would be added to the end of the loan. I later discovered it I had been reported late for XXXX and XXXX and I contacted them immediately to resolve. They indicated they had been overwhelmed due to covid-19 and that some paperwork had been delayed but the they were coreecting any issues. I was suppose get a call back and although have called conssistely each week for the last 3 months no-one is returning my call. I have spoke in great detail to multiple representatives and managers who assure me the issue would be resolved and forward it to the credit department to correct. There has been no change. Prior to this I had never been reported late on this account, Under Cares they should not be reporting me late because the offered this deferment and did not process it timely.
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92883	Web
Tidewater finance continues to report on XXXX and XXXX incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX and XXXX disputes and nothing has been fixed. I have paid Tidewater Finance XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84093	Web
Tidewater Credit is reporting late notations on my credit file that are inaccurate. I had an auto loan with Tidewater Credit however, this has been settled and paid in full by my insurance because my car was totaled. They let me know that they would take care of the rest of the loan and I was unaware that I was receiving late notations. I was under the impression that GAP insurance had paid off the loan amount and when I called them to inquire about it, they said that it was taken care of. My guess is they probably paid it out late. It was not my intention to be late on this loan, and this is not my error. I ask that Tidewater please remove the XXXX late notations. As for the XX/XX/XXXX late. I got XXXX at this time and was out of work for nearly month as I got really sick. Once I got back into work I used my first paycheck to take care of absolute necessities and caught up on my auto loan as soon as I could. I ask you also take leniency on this late as me getting sick was very unexpected.
07/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KY 410XX	Web
Hello, The judgement date was XX/XX/2006 and I just received a garnishment to my wages in the amount of {$500.00} per month. The total they say owed is {$32000.00} with an interest rate of 12 %. Since XX/XX/2006 I have lived at two address and have not received any letters from any company that I owe this debt. Never received anything from the courts saying that I had a case and/or a judgement date. Is this something that is possible, that I know nothing of any debt and get a garnishment? I do not know who, what or why I have this judgement. I declared bankruptcy twice, once when I was married and again after I was in an accident while working, I can not remember the dates. I tried to call the company XXXX XXXX XXXX and was greeted with a very rude and uninformative person at that company, they just told me that I owed the debt and there was nothing I could do. Please help, I have no idea what to do but can not afford {$500.00} being taken out of my paycheck each month.
04/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 44137	Web
Tidewater XXXX credit told me since Ohio was on gov't ordered quarantine until XXXX they would put payments on the end of the loan for 3 mos. I was told XXXX was taken care of and to call back for each ensuing month. When I called XX/XX/13, XXXX told me they would gladly put XXXX and XXXX payments to the end of the loan but now I needed to pay a {$100.00} fee to do so. This was never mentioned in XXXX. I asked if that went towards the loan and was told no, its their fee. I feel this company 's practice of charging a fee to do what they said they would is terrible during this time and capitalizing on individuals hardship. They rep said they understand most business is stopped and they are told to ask if customers receive a gov't stimulus check which can be used to pay the fee. I was shocked. They are giving customers the option to be charged a {$100.00} fee ( for their offer ) to do whats right or be reported to the credit bureau if you cant pay their fee. Shame on them!
03/05/2020	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	GA 30083	Web
XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!!
01/14/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78210	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX/TFC. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
06/29/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32904	Web	Servicemember
XX/XX/XXXX A Letter was mailed to Tide Water Fiance Company in reference to account number XXXX for payments not be applied on time and repeated phone calls that were to stop and to apply payments on time. I continue to get emails when my payment is late and phone calls. My wife XXXX XXXX at XXXX called XX/XX/XXXX and asked them to stop calling the represenative advised that both my numbers XXXX and XXXX would be added to the do not call list. My wife called today and recorded the conversation with TideWater advising the call was recorded did indeed confirm that since XXXX XXXX 3 calls have been placed by them to collect a debt. I have paid the bill and the company has called to collect a late fee. Please advise as to what to do? I am tired of receiving calls and being harrassed from the company. Thank you, XXXX XXXX XXXX
08/19/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90042	Web
I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.
10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 377XX	Web
I PURCHASED A PRODUCT FROM XXXX XXXX XXXX THEY FINANCED IT THRU TIDEWATER FINANCE. WE HAD PROBLEMS WITH PAYMENTS BEING PUT ONTO THE ACCOUNT CORRECTLY SO IT WAS PUT THRU THE COURT HOUSE TO PAY PAYMENTS SO IN XX/XX/XXXX WE STARTED PAYING OUR 20 PAYMENT EVERY MONTH THEN WE STARTED PAYING MORE TO GET IT PAID OFF AND ON XX/XX/XXXX I RECEIVED A CALL TELLING ME IF THE BALANCE WAS NOT PAID THEY WAS GOING TO ADD FEES SO ON XX/XX/XXXX I PAID THERE LAWYERS OFFICE THE REMAINING {$650.00} AND I RECEIVED A LETTER THAT DAY STATING THAT IT HAD BEEN FULLY SATISFIED SO NOW ON MY CREDIT REPORT IT SHOWS CHARGED OFF AND IT WAS NOT I CONTACTED TIDEWATER AND THEY SAID THEY WAS N'T GOING TO FIX IT BECAUSE IN THERE EYES IT WAS CHARGED OFF EVEN THOU I PAID IT SO I NEED THIS FIXED ON MY CREDIT REPORT PLEASE IT WAS NOT CHARGED OFF THANKS
02/03/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30168	Web
Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33837	Web	Servicemember
To Whom It Many Concern : XX/XX/2019, I sent a settlement payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the law office of XXXX XXXX XXXX/Tidewater Finance Company account. My attorney was told that once payment was received the settlement would be reported to all three credit bureaus. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Tidewater has reported the account is still charged off with a balance of {$10.00}, XXXX. The continual reporting the wrong information is continuing to hurt me and my husband 's credit. I have called Tidewater directly about this matter and was told it has been reported. The attorney on the case has been contacted by email by me on two occasions and my attorney on two occasions. It is now XX/XX/XXXX and all three credit bureaus does not have the correct information. .
07/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60543	Web
Tide Water continues to call my home number, my cell number and my childhood home number. Trying to collect on a debit that they are stating is out there on my maiden name. I have not used this name in over 16 years. Also my credit has been frozen for almost 2 years as my purse was stolen. I have also checked my credit report and there are no red flags on my credit that I have any unpaid debts. There has been no contact from this company in writing on what the debit is or how much is owed. From my understanding they would have had to do this with in 5 days of the original phone call. I believe the first call I received was back in XX/XX/2018. Because of all of this I believe this company is a scam. I need them to stop harassing me and my family will the obscene amount of phone calls.
03/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 49001	Web
In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.
01/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 923XX	Web
I traded in a XXXX ( financed through tidewater ) and the new loan paid off my car loan with tidewater. This was early XXXX. I didn't hear anything from XXXX until the beginning of XXXX when I receive da letter saying the loan was paid off and amount owed was {$0.00}. A week later I received REPEATED calls stating that I owe one payment that wasn't paid off by the trade in because apparently it was scheduled to come out of my account on the XXXX, the trade in was paid off the XXXX so the payment showed as credited to my account, making the tradeoff payoff amount less the payment. I told them no one told me this for 3 months, the letter I received shows I know {$0.00} and on my creidt report it shows them as being paid in full, with no derogatory or late payments in XX/XX/2020.
08/07/2019	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 Was not notified of investigation status or results	TN 38017	Web
I submitted a request for the bureaus to check into the validity of an account reporting on my credit report. Today is XX/XX/XXXX Ive sent out this dispute XX/XX/XXXX received word from bureaus that they would check into other disputes but they skipped over this particular dispute. Its been almost a month and a half and I still havent heard a word from either the bureaus updating me on status of whether the creditor verified the debt or changed the status of this reporting account. This is ridiculous seems to often creditors and bureaus look over disputes but are so quick to penalize you for something done wrong. There in violation here and I would like for people to learn from this. Dont let these companies push over you and throw your concerns to the waste side.
05/17/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37801	Web
I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38116	Web
I AM A VICTIM OF IDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CAREFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVED FROM MY ACCOUNT. IT HAS BEEN SEVERAL MONTHS AND XXXX CREDIT BUREAU ARE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE.THE LAW IS VERY CLEAR AS TO CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTION 616 & 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVE THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEIF AND NOT ME.PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENITY THEFT VICTIMS.
05/24/2019	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	PA 152XX	Web
I purchased furniture from XXXX XXXX in XXXX. It was financed for Tidewater Financial Services. It is interest free for one year. I am re-financing my home with an FHA loan and I have to close all my accounts that involve credit. I called Tidewater with someone from the mortgage company and Tidewater said that they are not permitted to close the account unless it is paid. the mortgage count has said this is very unusual. I then contacted Tidewater via a web chat and was told the same thing. Tidewater is one of the companies that will be paid off with the loan. They will not close it for me. I have read some reviews about the company and I see that a great deal of people have had similar problems. This is causing a hold up of my loan and will make
09/25/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK XXXXX	Web	Servicemember
I made my payment to Tidewater Finance Company ( acct ending in XXXX ) on XX/XX/XXXX thru my XXXX bill pay app for {$540.00} which was the amount due by the XXXX of the month. The payment was not processed or accepted by Tidewater Finance until XX/XX/XXXX. That is 8 days after the payment was made and 4 days past my due date. The confirmation number for this transaction using my checking account is : XXXX. I have screen-shots of this to prove my case if needed. This is not the first time that this company has done this and that is why I knew to take the screenshots of the payments being made. The customer service representatives are hateful and disrespectful when you call and try to resolve the issue and refuse to assist you.
11/28/2020	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	UT XXXXX	Web
The car was paid off on XX/XX/2020. I had made 3 calls to get a payoff letter and after driving over 40 miles one way told the agent I refused to get off the phone until they emailed it to me. I finally had it emailed on XX/XX/2020. At that time I was advised my refund for the over payment on the payoff will take 30 to 45 days. On XX/XX/2020 I was told they have not processed my check and will have it processed and sent within 2 days. As of today, XX/XX/2020, they have not processed the over payment. Plus I need to have my account reviewed as I made my payments in advance and they continue to charge interest on on time there was no payment due. They have removed my payment history so all I can see is I have a XXXX balance.
12/12/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60402	Web
I had an auto loan with Tidewater from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made my XX/XX/XXXX payment which was due on XX/XX/XXXX. With a customer service rep via phone on XX/XX/XXXX due to moving in a new home. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX being a Sunday & XX/XX/XXXX being a holiday ( XXXX XXXX XXXX ). That Tidewater would not report my account as being paid 30 days late. 2 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX ) and see that Tidewater actually did report the account as being paid 30 days late for XX/XX/XXXX. Which is incorrect
12/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
01/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 604XX	Web
The past 2 years or i been trying to get a pay off on a vehicle i had for the 6 years an 9 months so far, an the loan was for 6 years. From XX/XX/2015 until current.Im previously 9 moths over the term. I had 4 deferred pyment that i acknowledge due to financial hardship an late late payments throughout the terms. Which the financial company is saying that it caused an additional 16 months off monthly payments to make the account full. Ive tried to offer a generous settlement which the is not worth what i had offered through XXXX XXXX XXXX an XXXX. The rejected the offer without meaning an never sent me a letter of validation. I believe wholeheartedly that i am being financially mistreated.
03/30/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60156	Web
To whom it may concern : I have a collection account on my file from an agency named XXXX/TFC the account number is XXXX. Please be advised that I am disputing this collection due to the fact that XXXX/TFC -Tidewater Finance Co. XXXX XXXX XXXX, MD does not currently have a valid license in Illinois to collect on debts. this information is stating that there is no license held according to IDFPR and Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that XXXX/TFC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.
05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
03/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 27703	Web
Tidewater motor Finance continues to report false derogatory information to the credit bureau ( XXXX, XXXX and XXXX ). I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided Tidewater with court documents from XXXX County Clerk of the circuit court to validate my claim Tidewater continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly. In XX/XX/2015 the courts ordered me to pay XXXX, Tidewater is reporting XXXX. They are reporting negative information twice on my XXXX credit report.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44313	Web
There are hard inquiries on my credit reports for XXXX and XXXX from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. XXXX is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX XXXX - 2 inquiries on Same date! XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/16/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MD 20707	Web
I filed a chapter XXXX bankruptcy on the XXXX XX/XX/2018 and got a discharge on XX/XX/XXXX, throughout the discharge proceeding I was getting calls and letters from this company and constantly harassing me about repossessing the vehicle the entire time, they have someone calling me about picking up the vehicle every day, which I did, even after I got the discharge Im still getting letters and calls from this company saying I have a balance, and it still showing on my credit report as a open account with a balance. Ive gotten so much letters like the envelope I attached about repossessing the vehicle even after I handed over the vehicle to the recovery company they have harassing me.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
10/05/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 350XX	Web	Servicemember
I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.
06/15/2018	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85027	Web
I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. I pay {$150.00} weekly from my bank account using my bill pay feature. Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received. My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management
12/02/2016	Yes	Credit card	Other	TX 77040	Web
I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.
01/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37379	Web
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX showing as a charge off. this is not my account BankruptcyXX/XX/XXXX error. not mine XXXX XXXX XXXX closed account. this account does not belong to me
05/07/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33409	Web	Older American, Servicemember
I recently, XX/XX/2020, missed a {$75.00} payment to tidewater finance company, they called and I told them I was temporary out of work because of the Covid-19 restrictions and that I applied for unemployment insurance I was told I would receive payment in 4 to 6 weeks and would pay a double payment on XX/XX/XXXX, of course they said there would be late fees and I informed them that no other agency was charging any late fees and that was unamerican. They have called me three times since them, on XXXX they called again and I spoke to the supervisor again, but she told me that by XXXX XXXX st it would be to late to make a payment it will go to collections.
03/13/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60435	Web
On XX/XX/2020 I logged into Tidewater XXXX XXXX website expecting to make a final loan payment of XXXX and discovered that the final payment jumped to XXXX since last week. I spoke with a representative online about the difference in payment and she told me that there was never a payment of XXXX in the system. Ive filed a complaint with this company once before about their deceptive practices and their was even a class action law suit against them for extorting People for balloon and bogus charges. I was excited to make my last and final payment and now this. This company is the worst with their Mafia tactics to keep you forever in debt with them.
10/12/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30314	Web
I have requested numerous of times the accounting ledger to verify this debt for years now. I never received a debt validation letter either. I have sent certified & registered mail plus an affidavit of all my rights that have been violated under the FDCP Act. I am a natural person living in the land and Im not belligerent. I constantly receive email from Tide Water Motor Finance offering a decrease in amount for a debt that is already charged off. They are also reporting on my consumer report monthly invalid information. I do not have the original contract and I cant get a response from the company. I do believe I am being discriminated against.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
XXXX removed the following account TIDEWATER MOTORE CREDIT as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has Tidewater Motor Credit re aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. XXXX XXXX is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.
12/29/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL XXXXX	Web
I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.
08/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 210XX	Web
On XX/XX/XXXX I received notice that Tidewater Finance debited my savings account in the amount of {$3000.00}. I have never had an account with them. I contacted Tidewater on XX/XX/XXXX, and manager XXXX XXXX acknowledged that I was not and have not been a customer or client of Tidewater Finance. Nobody I know has an account with that company, and I have certainly never allowed my savings account to be used for any purpose regarding Tidewater Finance. Tidewater took my entire life savings from my account without my authorization. I 've also had {$86.00} in fees incurred because of their unauthorized and unwarranted debit of my account.
09/22/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92562	Web
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
05/01/2020	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 30019	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
02/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web	Servicemember
This account have been on my credit report for the amount of {$2800.00}. I have disputed this XXXX credit card account many times and as of todays date they are still reporting beyond the 3 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 3 years. I have requested payment history but they have not been able to produce it. This account was opened in XX/XX/XXXX and has had missed payments starting in XX/XX/XXXX. I was able to obtain this information from their collections team.
06/24/2019	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	MI XXXXX	Web
Tidewater Finance company has reported inaccurate credit reporting information of amount owed since 2016. I have contacted Tidewater by mail as well as submitted two ( 2 ) disputes to XXXX, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. Tidewater Finance Company is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.
11/17/2019	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	AL XXXXX	Web
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tidewater Motor Cred. I did not get another vehicle and would like these inquiries removed from my credit file.
10/12/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 201XX	Web
I purchased furniture last year and was approved for a loan through XXXX XXXX XXXX. It was marketed as a one year interest free transaction. After the year ended they went back and charged me interest for the entire year that was marketed as a " no interest period ''. They charged me on a balance I have already paid. I feel that this has violated my rights. I still have the marketing material AND the TIL Disclosure that was given to me and NO WHERE on it did it say I would be charged interest for the entire year that I have already paid. I feel mislead.
03/21/2017	Yes	Credit card	Billing statement	TX 77040	Web
Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.
07/20/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 851XX	Web
on XX/XX/2018 at XXXX a lady by the name XXXX XXXX called durning my working hours advised her there should be a note not to call during this time its an inconvintent time to call. she ignored what I said and continue to proceed with verification and when I stated I am at work she started to get rude and said well what's your email address again I said theres something on file not to call while im at work then asked what's my work number asked to talk to a manager and was placed on hold for a while. XXXX XXXX was very unprofessional.
03/09/2023	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	KY 42240	Web	Servicemember
XXXX finance came and removed my car from my sisters home trespassed on private property with lack of personal jurisdiction i have paid on the car for 5 years on a loan balance of XXXX and after 5 years stated i still owed XXXX how is that possible al they also lied to me on their recorded calls telling me i owed 3 years on the car and that was false i want this removed off my credit and my vehicle returned to me they have left a mess on my driveway in result to pulling the vehicle out without permission to step foot on my property
05/10/2018	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	VA 23464	Web
TIDEWATER FINANCE COMPAN XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. I have demanded this be corrected.
06/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 361XX	Web
Tidewater Finance has continue to report this to the credit reporting agencies stating that i owe them this debt for a credit card from XXXX XXXX XXXX which i have never received no card nor furniture from them. I have sent in validation letters to show proof of this debt, police report, affidavits, and proof of supporting documents for myself but they have responded that everything matches and that this is my debt which it is not. I have been a victim of identity theft since 2016 and have notified the CRA about this matter.
03/31/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NC 27332	Web
I called on XX/XX/19 to have my account closed and the line of credit closed with this company. I was told at that time that it would take up to a month for it to process. I called again on XX/XX/19 to verify that my account was closed and it was not. The foreign customer service rep said he would forward my request only after interrogating me for my desire to close the account at all. I would like for my account to be closed per my request as soon as possible. My account balance isnt paid in full and I no longer need it.
04/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80550	Web
Well I have had car for 2 years financed it out at XXXX at about XXXX dollars it is showing I still owe XXXX XXXX dollars payment is XXXX dollars a month on top of that I sent them a check from the insurance for about XXXX dollars with a letter stating that it was to go to principal and it still has yet to reflect because payoff is still showing XXXX and then some this is insane and to top it off they reported to all three Credit bureaus that it was in my bankruptcy when in fact I purchased it after I closed on it!
12/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 38106	Web
I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
11/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80528	Web
I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.
08/29/2018	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	IN 46311	Web	Servicemember
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX6 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
04/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30143	Web
Tidewater Financial was paid in full on XX/XX/XXXX ( supporting documentation attached ), they continue to send me statements for late fees charged on XX/XX/XXXX compounded by late fees and 29.99 % interest on late fees. They are stating that the account balance is {$380.00} and that amount was never charged on that card.Tidewater Corporate indicated that the account was closed in XX/XX/XXXX at my request, but they continue to bill late fees and interest on a closed account with no principal balance.
10/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92883	Web
Tidewater Financial has charged wrong fees. Continues to report incorrect due on credit. I owe them XXXX but they continue to report it as owing XXXX I pay every month yet they continue to report late. I am sick of it. They added XXXX to loan that was not explained when I got the couch. I am livid all my other accounts besides this one is on time. They lie and do not respond. They harass with emails but then do not respond when I reply. They lock me out of the online account every month.
12/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76001	Web
I bought a car from Tide Water. I brought my old car in for a trade in. The signed papers say they will take my car as a trade in and pay that loan off. They did not pay the loan for the old car off. I call the Texas Attorney General 's office. His resolve was to take the new car back to TIDE WATER, and just drive my old car. The old loan was not counted as late due to TIDE WATER 's illegal activity. I am not sure why they would risk putting this account on my credit report.
01/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
07/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 441XX	Web
I have been trying since since the beginning of the year to get my payments lowered due to financial hardships and this company refuses. I communicate via phone and email and they would always say they havent talked to me when they have. Now when i look on my credit report they are reporting twice under two different names when they are the same company to keep lowering my score and i do not have a vehicle loan with two companies. Something needs to be done about this.
11/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30168	Web
On XX/XX/2020 I received a court order by mail from the State Court of XXXX County State Of Georgia. It stated no request for an oral hearing. I have not received anything other than this letter on this matter. The file number is XXXX Plaintiff name is Tidewater Finance Company. I was not given any fair hearing and no info to respond to until now. There is something seriously wrong if I am being sued and the judge agrees with the plaintiff without my knowledge of this.
04/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85260	Web
Tidewater Motor Credit provided different loan pay off amounts on XXXX and X/XX/17 , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than XXXX hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.
05/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40509	Web
had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.
06/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	VA 23608	Web	Servicemember
I received a alert from XXXX XXXX that my credit was ran at XXXX XXXX XXXX. I called the company and informed them my SSN was used and I did not use it. I realized during conversation that my SSN was obtained during the XXXX breach. XXXX XXXX Wanted me to send in a letter of dispute to get inquire removed from my account. I send information a week later during XX/XX/2017, this item remains on my account and affecting credit rating.
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48228	Web
Tidewater finance report my account late 3time and I have a proof for automatic withdrawal and history of payment since 2017 !!I field dispute with XXXX and no respond called tide water they don’t wanna give a good reason !one of the agent told to call the cops and he hanged up on me !need help plzMy score dropped since they put those late payments on my credit report !I need your help or my final step to call a lawyer .thank you
09/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77049	Web
I recently filed a complaint against Tidewater Motor Credit /Tidewater Finance Company and in their response they stated that they would be updating our credit reports to reflect charged off beginning XX/XX/2014 and reporting as charged off going forward. However, they are still reporting as repossession and changing the balance every month and I 'm having to go to each credit bureau to have this fixed every time.
11/13/2021	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 Their investigation did not fix an error on your report	IL 60139	Web
I filed a XXXX XXXX XXXX and was successfully discharged. Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48322	Web
In XX/XX/2015, Tide Water Finance are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
12/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53210	Web
I am getting mail and letters and also had a judgement on my credit report. The name they have is wrong thats not my name at all. I have asked this attorney to please take this off my account. This attorney continues to harrass me and send letters to me and threaten me for a judgement and now I am also receiving a letter on XX/XX/ harrassing me again stating they are doing another judgement.
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90640	Web
The dates and years when the account was closed are incorrect. I voluntarily surrender the car due to XXXX and not working. XX/XX/XXXX Originally The creditor listed 30 days late in the year XXXX as a loss charge off. When I filed a dispute the credit went in and changed the date and listed the closed account as of XX/XX/XXXX and filed a charge-off. This car was surrendered on XX/XX/XXXX.
04/13/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30083	Web	Servicemember
On XX/XX/XXXX The debt collector filed a garnishment against me for {$3200.00} without deducting the {$2100.00} that he had previously received On XXXX XXXX from XXXX XXXX XXXXXXXX. The lawfirm also received money from XXXX payroll from my previous employer in which I will provide soon.. According to FDCPA this is clearly a violation because they must not misrepresent the amount you owe.
04/23/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32210	Web
Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX This creditor has reported on my XXXX credit report as an open account since XXXX. This information is incorrect. The amount owed has since been charged off and included in an open judgement with their attorney. XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX
07/18/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30349	Web	Servicemember
I have reached out to the Credit Bureaus and the Company TideWater XXXX back in XXXX about their inaccurate reporting to my credit they still continue to report negatively to my credit. They reporting that the amount is {$8600.00} on one credit bureau site then a total different amount on another. I have tried to get this situation handled with them ignoring my request over and over.
02/23/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30253	Web
This account with TIDEWATER MOTOR CREDIT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
03/14/2023	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 767XX	Web
In accordance to the Fair act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat on an account under an open end consumer credit plan as late for purpose.
09/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95820	Web
Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08060	Web	Older American, Servicemember
On or about XX/XX/XXXX thru XX/XX/XXXX Tidewater Finance Company is reporting inaccurate information to credit reports ( XXXX XXXX and XXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX attorney, at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX.
08/31/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 43213	Web
This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.
05/27/2020	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD XXXXX	Web
This is a scam. XXXX XXXX approached me on XXXX XXXX for Real Estate FUnding. I was approved for a loan but he wanted me to send {$2400.00} to a student at the University of XXXX and gave me her personal account number. I have not done so. His email address is XXXX. At fist he gave me his work email but his work email is XXXX. His phone number is XXXX
07/30/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30047	Web
we bought furniture and where paying fine till our grand daughter was diagnosis with XXXX after that our financing went down the drain i tried to tell that we are back on our feet and that i am willing to pay full amount out for pay for deletion and i am willing to get them a hardship letter in order for them to delete but they are refusing
07/12/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33935	Web
Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.
08/29/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CO 80012	Web
I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 240XX	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
09/11/2018	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	MI 48035	Web
Tidewater Company received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
06/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL XXXXX	Web
XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX and is reporting inaccuracy now as XXXX and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29615	Web
I agreed to a settlement for XXXX and Tidewater Financial Company. I paid the amount which was offered.. The company is still showing on my credit as delinquent and late payment which is incorrect and is affecting my credit score. I need the correct information to be reported to the Credit Bureau.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42240	Web	Servicemember
this account is not mine and needs to be removed i have contacted the company and they fail to remove both accounts also the other tidewater car loan i had for 6 years and the starting balance was XXXX in five years they said i only paid XXXX dollars which is false and they repo my car
05/04/2016	Yes	Credit card	Customer service / Customer relations	IL 60102	Web
tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,
11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60643	Web
I WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30038	Web	Older American, Servicemember
In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.
03/17/2020	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 Their investigation did not fix an error on your report	VA 23224	Web
I have disputed tidewater financial several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76039	Web
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
08/01/2016	Yes	Debt collection Auto	Communication tactics Called outside of 8am-9pm	AZ 85338	Web
Tidewater financial sent a text on XXXX XXXX at XXXX. They sent another text at XXXX on XXXX XXXX. The vehicle has been deemed a total loss and has been paid out by insurance company. There should be no deficiency on the loan that we are aware of.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AZ 85249	Web
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021
01/26/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85283	Web
I surrendered my car in XX/XX/2021. I was contacted by Tidewater after they sold the car for 4,000. They call me repeatedly telling me I owe 16,000. They have even called my landlord asking questions about me and telling them that I owe them
08/10/2018	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	CA 92392	Web
I notice a couple of hard inquiries on my credit report from XXXX and XXXX. That I did not give permission to run my credit. The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48235	Web
On XX/XX/2022 a hard inquiry was listed from Tidewater Finance Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.
01/01/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 92585	Web
balance is incorrect and keeps reporting incorrectly, it was repossed and included in a XXXX i am requesting a full account history including original contract with my wet signature and validation of the debt
08/01/2017	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	AL 36116	Web
Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 372XX	Web
Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
06/10/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	MI 480XX	Web
I purchased a couch from our van at the end of my one year of payments they tried to hit me with interest and they charge me too much money I overpaid and they wont refund my money
02/19/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	PA XXXXX	Web
There is a new account opened that states it 's been open since XX/XX/XXXX. I was born in XX/XX/XXXX so I would like them to fix this error before I make any payments.
02/24/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 275XX	Web
Harassment, Trying to collect more than owed, Failing to send written notice of debt, Failing to verify disputed debts, Ignoring Cease Communication Requests.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 482XX	Web
on XX/XX/2023 tidewater finance co gained unauthorized access to my credit report. Causing a dent on my consumer credit. This is a violation of 15usc 1681n.
03/05/2021	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	CA 92557	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
09/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29016	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.
11/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	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.
04/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07305	Web
It has been 30 days since this dispute was created and the company has not sent me any verification or validation of this debt. XXXX
07/08/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23234	Web
XXXX XXXX XXXX is currently reporting to the credit agencies that I still owe a balance although the account was settled in XXXX.
02/24/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	GA 305XX	Web
Tidewater Finance Company reported large late fees to XXXX and XXXX even though they had agreed the said charges were in error.
12/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD XXXXX	Web	Servicemember
TIDEWATER motor finance company said they were still working on my case but they repossed my car yesterday XX/XX/2022.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IN 46202	Web
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud
09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34232	Web
the XXXX breach caused some inaccuracy on my credit report please remove them FCRA violations tidwater
04/08/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	MD 20603	Web	Servicemember
Account were paid up to date and the account still shows negative on my credit report.
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
On XX/XX/XXXX TideWater Finance gained unauthorized access to my credit report.
07/27/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60620	Web
I paid my loan off over 3 weeks ago and still have not received my title.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 388XX	Web
Unauthorized inquiries own my report, requested XX/XX/2021
05/17/2019	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	AZ 85224	Web
I did not authorize my credit to be pulled by this company
05/07/2023	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	FL 33313	Web
the person that answer the phone didn't wan na help me
06/21/2022	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	TN 38106	Web
Remove and delete the following accounts
12/30/2017	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	IN 46324	Web
Several unauthorized inquiries
03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	LA 71270	Web
BEING DENIED EMPLOYMENT
08/29/2019	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	NJ 08234	Web
false inquires
02/02/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	MO 63135	Web

01/20/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MS 39307	Web

12/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44137	Phone	Older American

12/07/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MD 20740	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63343	Web

07/09/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 61201	Web

07/02/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH 44460	Web

04/15/2023	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	KS 67207	Web

01/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23234	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33317	Web

12/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73401	Web

08/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32225	Web	Servicemember

08/09/2022	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	IL 60628	Web	Servicemember

05/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44321	Phone

04/13/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 75243	Web

03/29/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07305	Web

01/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92586	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60156	Phone	Older American

10/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NV 89112	Web

10/05/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	FL 34117	Web

07/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 35235	Postal mail

06/11/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

04/29/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI 49424	Web

04/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33035	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

01/29/2021	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	PA 17603	Web	Servicemember

10/29/2020	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	VA 22315	Web	Servicemember

10/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23513	Web

09/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19151	Web

09/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

08/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 23237	Web

05/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70737	Web

05/04/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30281	Fax

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78747	Web

04/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92173	Web

02/06/2020	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 Their investigation did not fix an error on your report	FL 33304	Web

12/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33304	Web

11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55421	Web

10/28/2019	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 Was not notified of investigation status or results	FL 33436	Web

10/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 55416	Referral

10/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NY 14468	Phone

09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98444	Web	Servicemember

09/09/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 08096	Web

08/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23114	Web

08/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/13/2019	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	IL 60610	Web

07/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60543	Web

06/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77084	Web

06/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

06/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23238	Web

05/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27249	Web

05/02/2019	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	TX 78542	Web

02/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92071	Web	Servicemember

02/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate		Referral

02/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	ID 83714	Web	Servicemember

12/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 31833	Phone	Servicemember

12/26/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 23663	Web

08/31/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 62208	Phone

08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07205	Referral

08/22/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OR 97286	Web

08/20/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MI 48603	Web

08/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 31833	Phone	Servicemember

07/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60177	Postal mail

07/09/2018	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	VA 23114	Web

06/19/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	NJ 08005	Web

06/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27249	Web

06/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35116	Web

05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20744	Web

05/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44512	Phone

05/04/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	TX 76001	Web

04/30/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 91205	Web

04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44130	Web

04/23/2018	No	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80109	Web

04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48180	Web

03/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OH 44011	Web	Older American

01/19/2018	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	NC 28270	Web

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28270	Web

11/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96707	Postal mail

11/30/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	NE 68106	Referral

11/28/2017	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	MI 48185	Web

11/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 48197	Web

09/23/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	ME 04073	Web

09/01/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 38866	Web

08/25/2017	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 Their investigation did not fix an error on your report	CA 90707	Web

08/19/2017	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	LA 70360	Web

07/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web

06/29/2017	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	AZ 85128	Web	Older American

06/05/2017	No	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 92801	Referral

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45701	Postal mail

04/09/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	DE 19805	Web

04/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 48532	Web	Older American

03/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 45140	Web	Servicemember

03/05/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28027	Web

11/28/2016	Yes	Credit card	Transaction issue	GA 30620	Web

11/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91730	Web

11/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27524	Web

10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30017	Web

10/27/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85216	Web

10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30017	Web

09/26/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33484	Web

09/09/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33435	Web

07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30031	Referral

07/05/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 43230	Web

04/24/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OH 45833	Web

02/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95212	Phone

02/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85283	Web

01/19/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	FL 33141	Web

11/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28027	Web

10/22/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	SC 29216	Web

10/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 48439	Web

09/24/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90670	Fax

08/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 30017	Web

05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92543	Phone

05/20/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75006	Web

05/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MS 38930	Web	Older American

04/16/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 20735	Phone

03/24/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	VA 23415	Web

01/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30326	Phone

12/30/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92883	Web

12/26/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 23451	Web

12/03/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 48085	Web

11/05/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30039	Web	Servicemember

11/04/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NJ 08302	Web

10/10/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 49036	Web

09/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27520	Web

08/11/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54140	Phone

06/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98606	Web

06/12/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60563	Web

05/08/2014	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	TX 75006	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	WA 98146	Web

04/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91910	Referral

04/14/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19079	Phone	Servicemember

04/04/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94608	Postal mail	Older American

03/19/2014	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	FL 33329	Web

03/04/2014	No	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76549	Phone	Servicemember

03/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23225	Web

01/23/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98374	Phone

01/11/2014	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	MD 21620	Web