U.S. Auto Credit Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 752XX	Web
Dear Sir or Madam, 1. U S AUTO CR Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with U S AUTO CR and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
06/04/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
US Auto Credit Subject : URGENT - Cease and Desist, Violation of FCRA, and Demand for Lawsuit Dear US Auto Credit, I am writing this letter to express my deep frustration and anger regarding the handling of my account by your company. The documentation provided as validation of the debt clearly indicates that the contract in question is between XXXX XXXX and XXXX XXXX XXXX, and not with US Auto Credit as you have erroneously reported. This is a gross misrepresentation of the facts and a clear violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, it has come to my attention that this account is listed on my credit report as " Paid Off, '' which renders the alleged contract null and void. Your continued reporting of this account is not only erroneous but also constitutes a violation of the FCRA. I demand an immediate cessation of reporting on this account and a complete removal from my credit report. I remind you of your legal obligations under the FCRA, specifically the following sections : 1 FCRA Section 611 ( a ) ( 1 ) ( A ) : This section mandates that you conduct a reasonable investigation upon receipt of a dispute. The documentation you provided does not validate the debt or demonstrate that it can be validated as required by law. 2 FCRA Section 611 ( a ) ( 5 ) ( A ) : This section requires you to notify the consumer if the reported information can not be verified. Since the documentation you provided clearly shows a contract between XXXX XXXX and XXXX XXXX XXXX, and not with US Auto Credit, it is evident that the reported information can not be verified. 3 FCRA Section 605 ( a ) ( 4 ) : This section stipulates that obsolete information, including fully paid off accounts, should be removed from a consumer 's credit report. Given that this account is reported as " Paid Off, '' it falls under the category of obsolete information and must be promptly removed. I demand that you immediately cease and desist all reporting on this account and ensure its complete removal from my credit report within 10 business days from the receipt of this letter. Failure to comply with this demand will leave me with no choice but to pursue legal action to seek redress for the damages caused by your willful violations of the FCRA. Attached to this letter is clear and undeniable evidence, including the contract date, parties involved, and the amount in question, which unequivocally proves the erroneous reporting and misrepresentation of this debt. This evidence will be invaluable in any future legal proceedings. I strongly advise your company to reconsider its actions and rectify this matter immediately. I expect written confirmation of the cessation of reporting and removal of this account from my credit report. Failure to provide a satisfactory response within the specified timeframe will leave me no choice but to initiate legal proceedings against US Auto Credit, seeking compensatory damages for the harm caused by your willful violations of the law. I trust that you understand the severity of the situation and the potential consequences of your continued noncompliance. I strongly urge you to act promptly and responsibly to rectify this matter and avoid further legal action. This is your final opportunity to resolve this dispute amicably. I eagerly await your immediate response and the swift resolution of this matter. Sincerely, XXXX
07/20/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32073	Web
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text 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. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # 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. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
09/13/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 322XX	Web
I purchased a 2009 XXXX XXXX about two years ago. I financed the vehicle with US Auto Credit Corp. I recently began to have mechanical issues with the vehicle. The repair costs made it difficult for me to afford my bi-weekly payments. I reached out to US Auto Credit to inform them of the situation and to find out if there were any options available to help me reduce the financial strain to avoid late payments or defaulting on the loan. The only option presented to me was a forbearance. The forbearance wasnt a good option because it would have extended my loan term. The maintenance is going to be required more frequently in the future. The forbearance only provides temporary relief. At this point Ive made over 50 bi-weekly which totals close to {$10000.00}. The interest rate is 26 %. It would be close to impossible for me to pay the car off before it died. Since US Auto Credit didnt have any other options I had to look into refinance options. Luckily my bank approved the refinance but they would only approve {$6600.00} which is the value of the vehicle. I was told the payoff amount was around {$7700.00}. I would have to pay the difference. I didnt have {$1100.00} but I really needed to do this refinance. It lowered my interest rate, payment, and term by almost 50 %. I went back to US Auto to ask if they would write off a portion or reduce my balance. They sent me a settlement offer for {$7100.00}. The loan wouldnt be reported as paid in full but as paid in full- charge off less than balance. They also said that the would issue a XXXX for the any reduction amount greater than {$600.00}. I finally spoke with a supervisor XXXX XXXX who said there wasnt much more they could do. He advised me to continue paying on the car for another year ( {$4400.00} ) and try to refinance at the end of the year. At the end of our conversation he told me that he would have upper management look at it but he was almost positive that they didnt have any other options available. He said hes never seen them offer any other options for situations like mine in the 4 years of his employment. The companys mission statement says the want to help and treat consumers with fairness and dignity. My experience has been the complete opposite. I feel like this company is taking advantage of people with less than perfect credit. I dont feel like the lending practices are designed for you to successfully pay off a loan. And when you get into a situation like mine which I feel was created by their predatory lending practices ... they dont offer viable options to help. They relentlessly demand money and refuse to offer fair resolutions ... leaving you stuck or putting a person into a worse credit situation. I was young with poor credit and I needed a car. This company took complete advantage of that. The dealer made it seem like this company would be doing me a big favor by approving my loan because my credit score was low but I was actually being lied to and taken advantage of. I can only imagine how many people have gone through this and didnt know what to do.
02/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web
The loan was fradulent from day one when purchased. The car was previously wrecked and unreported at the time of sale. They resold the vehicle to me after it was repoed from another consumer with the same mechanical issues from the previous wreck. Also the amount financed at the beginning was changed after the sale to a higher amount. I was offered a lower balance after I kept experiencing the same mechanical issues which were alignment, transmission issues which the transmission eventually went out and the company agreed on a settlement offer of {$2000.00} due to the fact that the car was unoperable at the time of voluntary giving back to USAuto credit. I made 26 of the 36 months payments. And they sold the car for more that 100 % of what they financed it to me for. Which makes this company a fraud because I had a balloon insurance that I purchased at my initial financing in case of engine, transmission or major mechanical issues malfunction. And US auto credit would not honor the contract to pay their portion of the fees to restore the transmission. US auto Credit forfeited the contract to make another sale to a new blinded consumer to prevent all costs of helping me repair the transmission by reselling the vehicle again making it a third or fourth sale to a new consumer just the same as me. In addition, they have reported ( 3 ) different balances which are contradictory to XXXX XXXX and XXXX A family member has all his credit card receipts of payments made totaling in excess payments made to this account which was requested to turn my car back on and off due to the tracker that was installed on the vehicle. US Auto credit took advantage of the situation when they altered the balance reporting untruth to all credit bureaus. And my XXXX XXXX who is a XXXX XXXX, another with XXXX XXXX, and myself with XXXX XXXX have been denied rental Propertiess as a result of USAuto repair scam and of repeated repossessions to new consumers on this same mechanical issues. A family member has made over {$3500.00} to US Auto Credit using his credit card. And he is willing to take them to court because they are a fraudulent for not including the payments he made in the balance that they have reported. And the account number is XXXX They sold the vehicle for {$330.00} Date Sold XX/XX/2919 XXXX number XXXX Auction - XXXX 's XXXX XXXX XXXX However, they are reporting XXXX to all credit bureaus. Also Im reporting this to every social media and willing to go public including on linked in. Because they were supposed to fix the transmission which was included in the balloon insurance that I purchased for repairs. And just decided to not fix it and sell it. And charge me a ridiculous price at the expense of my family well being.
01/17/2017	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	CA 93535	Web
I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.
01/16/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 20774	Web
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX. Subject : CHARGE-OFF DISPUTE Account : US Auto Credit To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). 1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
05/12/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Web
Dear US Auto Credit, I am writing to follow up on my previous correspondence regarding the dispute on my account. As a reference, I have attached a copy of the dispute I submitted to the Consumer Financial Protection Bureau ( CFPB ) for your convenience. This document outlines my concerns and the actions I expect to be taken to address the issues at hand. In accordance with the Fair Credit Reporting Act ( FCRA ), I would like to draw your attention to the specific sections that require your compliance in addressing my dispute : FCRA Section 611 : This section mandates that you investigate my dispute and provide a prompt response. It states that consumer reporting agencies, such as US Auto Credit, are required to review and address consumer disputes within 30 days of receiving them. FCRA Section 623 : This section requires you to provide accurate and complete information about the late payment charges on my account. It states that the information reported by you must be substantiated and not misleading. FCRA Section 616 : This section specifies that if my dispute can not be verified, you must promptly notify me. It also states that you must promptly delete the disputed information from my account or modify it if necessary. These FCRA sections are crucial for protecting consumers ' rights and ensuring fair and accurate reporting. I expect that you will honor these provisions and address my concerns accordingly. In addition to the attached dispute, I would like to reiterate my request for a prompt response to my concerns. I am seeking a thorough explanation for the recurring late payment charges, the discrepancy in the total amount charged, and the extended date range covered by the statement I received. I anticipate a prompt response to this follow-up, addressing each of the issues raised in both my previous dispute and this current message. Your attention to this matter is greatly appreciated, and I hope we can resolve this dispute amicably and efficiently. Thank you for your immediate attention. Sincerely, XXXX
08/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30101	Web
Deceptive practices and non full disclosure of contracts which gives me the right to rescission under these USC codes 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S. Code 1635- right to rescission 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. 15 U.S. Code 1662-No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state 2. that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 3. that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 15 U.S. Code 1692j- false and deceptive forms 15 U.S. Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years. If rescission paperwork was never furnished, deceptive practices were used by not disclosing everything, including the existence of power of attorney paperwork within the contract. They added extra taxes and fees without proper explanation. When asked about the validity of the contract, they refused to validate it. The paperwork they sent had no relation to U.S Auto Credit LLC . The letter mentioned in the previous complaint was not received by the consumer, and the consumer was not informed correctly about the transfer of ownership of the contract during negotiations. US Auto Credit also repossessed the vehicle without any explanation or clarification. Despite requesting this information, it was never provided, raising suspicions about the timing and existence of the letter. It's important to note that I had been communicating with US Auto Credit for months before contacting the consumer bureau, giving them ample time to provide the letter and establish the validity of the contract. These actions indicate that US Auto Credit is operating dishonestly.
02/14/2022	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 Their investigation did not fix an error on your report	VA 238XX	Web
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
12/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28262	Web
Urgent Request for Resolution of Car Purchase Issues To whom it may concern, I am writing to bring to your attention a series of issues I have encountered since purchasing a car from XXXX XXXXthe dealership / US Auto Credit The bank on XX/XX/2022, at XXXX XXXX. Two days after the purchase, the car broke down, and despite assurances from the dealership about addressing the issue, I have faced continuous challenges. I have diligently attempted to communicate with XXXX XXXX, both through messages and calls, over the past year regarding the status of my car and the necessary repairs. Despite my consistent efforts, I have experienced a lack of responsiveness, leaving me without updates on my car 's condition. After Promised to fix the car. Despite my ongoing up to date monthly payments, my car has been unusable for over a year. This situation is particularly distressing as I rely on my vehicle for work, bringing my kids to school especially during events such as New York XXXX XXXX, where transportation is crucial. Upon returning from New York XXXX XXXX she gave me a car to use since my car was still not in use on XX/XX/XXXX, XXXX XXXX, That car broke down again, putting me and an influencer in a distressing situation. The XXXX XXXX response, notably from XXXX, was unexpectedly dismissive, leaving us stranded and disregarding our safety concerns. Following these events, I discovered that my car was not registered for almost three months, and upon its return, it exhibited further mechanical issues, breaking down once more at my house. In light of these ongoing challenges and the apparent violations of the Truth in Lending Act, I must exercise my right of rescission. Which I never received. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/22/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30101	Web
XXXX. Georgia Fair Business Practice Act : - XXXX XXXX did not disclose to XXXX XXXX XXXX XXXX planned to sell the car finance contract to a third party, US Auto Credit XXXX - This lack of disclosure may violate the Georgia Fair Business Practice Act which prohibits businesses from engaging in deceptive or unfair practices in business transactions. - XXXX XXXX may be in violation of this law if they did not disclose to XXXX XXXX their intention to sell the contract to US Auto Credit . 2. Georgia Uniform Commercial Code ( UCC ) : - US Auto Credit is bound by Article 9 of the Georgia UCC, which governs secured transactions such as car finance contracts. - Article 9 of the Georgia UCC requires lenders to provide written notice to the borrower after the sale of the contract, indicating that the contract was sold, to whom it was sold, and how the borrower should make payments. - In the scenario you provided, it is not clear if US Auto Credit provided such notice to XXXX XXXX XXXX - However, if US Auto Credit did not provide such notice to the borrower, they XXXX be in violation of Article 9 of the Georgia UCC. 3. Georgia Consumer Protection Act : - XXXX XXXX may have a cause of action under the Georgia Consumer Protection Act if they can prove that XXXX XXXX engaged in deceptive or unfair practices, such as failing to disclose that they planned to sell the car finance contract to a third party. - The Georgia Consumer Protection Act prohibits businesses from engaging in deceptive or unfair practices in Georgia. - In the scenario you provided, it is not clear if XXXX XXXX engaged in such practices. - However, if XXXX XXXX XXXX XXXX that XXXX XXXX XXXX kept the sale to US Auto Credit a secret, XXXX XXXX may be in violation of this law.
03/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 290XX	Web	Servicemember
on XX/XX/XXXX, My husband and I went to look at a used car from a dealer we have dealt with three times now. We drove that car away that day. The dealer advised he now uses US Auto Credit for lending and someone would be calling me to do a quick identity interview. This was done on XX/XX/XXXX as I have an email confirming I did this call. Prior to this I rec 'd collection calls to make my first payment which I learned was on XX/XX/XXXX before I even completed the interview and frankly didn't even know US Auto Credit was the finance company as the dealer just stated he uses a auto loan company now and we didn't know the name. Since XX/XX/XXXX the dealership has had to replace the 45 day temp tag on my car several times ( over 125 days total now ) bc the Auto Credit company despite the dealer collecting {$400.00} for my tags and taxes has failed to provide me a tag or registration for my vehicle. I have made every payment until my payment due on XX/XX/XXXX until they provide me my tag, if they don't then the car will be going back to the dealer if I cant get it resolved here and subsequently removed from my credit and a refund of all payments made to the Auto Credit including taxes and tags will be returned even if I have to seek legal counsel assuming it cant be resolved here. Of note, I have had this vehicle insured since I drove it away on XX/XX/XXXX as a safety precaution for myself and my family and I will upload proof as well as proof that I have paid for the tags and taxes.
04/24/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35613	Web
The credit bureaus keep disrespecting the laws and so does this company. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on Someone needs to hold them accountable for this Furthermore I have been disputing this for over a year. It has been removed from my husbands credit report I want it removed from mine! They have sent me letters but not a contract WITH THEM SHOWING I OWE THEM THIS DEBT. I HAVE NO CONTRACT WITH THEM. Statute OF LIMITATIONS AS WELL. ALSO HOW IS THE ORIGINAL CHARGED OFF AMOUNT AROUND $ 7k and its now showing over $ 12k owed! 15 USC 1692f UNFAIR PRACTICES
08/26/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NC 276XX	Web
I purchased a car and it was financed through US Auto Credit. They wanted payments every two weeks but not on my pay dates. Payments have been made every two weeks then in XX/XX/XXXX I received a call from them saying I missed a payment in XX/XX/XXXX. No mail or email saying that. So I was late more than 6 times paying them which has affected my credit score. I have been searching for that so called missed payment. Then on XX/XX/XXXX they were to take my payment from my checking account. On XX/XX/XXXX they called me saying my bank account was closed and they could no longer take checks from me. I immediately went to my bank and my account was not closed. They are charging me a late fee again and a non-sufficient fund fee when my bank has not. My account was never closed and when I asked what account number they have, the rep, " XXXX '', told me we only have what you gave us. I asked to speak with a supervisor but no one has called me yet. The supervisor s name is XXXX. I was told by XXXX they do n't waive fees, although I did not incur any. She wanted me to make a payment with a debit from the bank she claims my account is closed which makes no sense. Maybe it 's because they charge {$4.00} fee to pay with a credit/debit card, and there is no fee to pay by check. This company has the worse finance company. It does n't help you but hurts your credit and relationships with family. They call my family and friends constantly as well as me. Enough is enough.
11/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33009	Web
I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.
04/17/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23831	Web
I am writing concerning my wife and I auto loan with US Auto Credit. Since XX/XX/XXXX, my wife and I have been with this company and financed two auto loans with them. One of the vehicles was paid off early in XX/XX/XXXX timeframe which they gouge us for extra money. Which they pretty much charged us full interest as if it was not paid in full two years early. Secondly, since we have been with this company all our payments have been made on time and no missed payments. The issue that my wife and I have is they constantly harass us over a car payment every single month. With excellent payment history as being reported by our three credit bureaus report. Why are they harassing us monthly over payments? Furthermore, on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX they called my contact number of XXXX. I told the person that I spoke to who asked XXXX questions to verify my identity of XXXX XXXX XXXX XXXX that you get your payment every month and stop calling or harassing. Which I also asked what my total balance is. They said it is {$1500.00} I told them when the final payment is made. I will harass or call them every day until I get my title to the vehicle. So, they can see how ridiculous it is to do something like this. Lastly, I have provided proof of payment made on XX/XX/XXXX for {$300.00} along with a receipt acknowledging the payment. On XX/XX/XXXX at XXXX they sent an email listed as XXXX XXXX payment is due. Sincerely, XXXX XXXX XXXX XXXX
04/15/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MI 48161	Web
I purchased a car from XXXX XXXX XXXX. I had bad credit so they let me put XXXX down and get financed. I was assigned to XXXX XXXX whom since has sold my account to US Auto. They financed a warranty for XXXX but my contract does not explain how much of my biweekly payment amount is going towards my warranty and my loan. I asked how am I supposed to pay off this warranty and they told me I could not, could not have my interest rate changed because my credit score has gone up, werent even reporting to all three bureaus with XXXX XXXX. I got this car that is work like XXXX and my loan is XXXX. Ive made every payment via auto deduction for two years and they cant even answer me why my loan was sold to US auto. I feel like without the option to pay off my warranty, Im still going to be paying interest on it for the entirety of the loan. I cant get the car refinance because the car is not worth what it was sold to me for. So Im stuck in an upside down loan, they knew I was desperate and had become a single parent very suddenly and needed to provide for my daughter. They keep selling my loan to collect fees, they said they do it to the best paying customers they have a list other lenders can pick from to purchase but in the contract it says assign and they said it was reassigned when really it was sold so they can collect a portion of the fee. I wasnt even informed it was being reassigned until it happened. I didnt consent to this
06/28/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32065	Web
In XX/XX/XXXX I was contacted by a company I had no knowledge of stating I was late on my auto payment. Apparently my positive account had been sold without my knowledge to a knew creditor. I advised the company I had just made a payment on my vehicle to the place my contract was with. The company it was originally with agreed that my contract would be paid Bi-weekly as that coordinated with my payment schedule and can be seen with the history of receipts as well as my on time payments recorded in my credit report. This company has contacted family members without my authorization, changed my contract without my consent or agreement and calls me constantly harassing and falsifying information. Today XX/XX/XXXX they demanded payment and threatened a repossession which they do almost every time I call. They never advised or had me sign anything agreeing to go back to a weekly payment schedule so now my account is severely behind and they are trying to put me in a financial bind not including embarrassment and harassment, falsifying information on my credit report and their aggressive conversations. Social is : XXXX \| Name : XXXX XXXX, I sent a BBB complaint to them because I never got an updated contract from them and instead of responding through the BBB portal they contacted me directly and per the conversation admitted to alternating the contract without consent.
03/13/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 20774	Web
Dear US Auto Credit, I am writing to express my concern regarding the late payment charges that have been applied to my account. I have noticed that I am being billed a late payment almost every two weeks, and I would like an explanation as to why this is happening. Furthermore, I have reviewed my statement and noticed that the total late payment charge is only {$52.00}. However, in my own calculations, I believe that I have incurred over $ XXXX worth of late payment charges. I would like an explanation as to why there is such a discrepancy in the amount charged. Additionally, I have noticed that the statement covers a date range from XX/XX/XXXX to XX/XX/XXXX. I would like to understand why this range is so extensive and if there are any updated bills that have been sent since that time. Furthermore, I have noticed that each biweekly late payment is vastly different from the other. I demand a detailed explanation of each late payment and the charges associated with them. I would like to receive this information in writing. I am very concerned about the charges being applied to my account, and I demand a full and detailed explanation as to why these charges are being applied. I expect a prompt response from you on this matter. Thank you for your attention to this matter. Sincerely, XXXX XXXX THIS IS AN ATTEMPT TO DISPUTE A BILL
06/28/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30032	Web
When I got the car it was through a buy here pay here. NO CREDIT REPORTING. The car was totaled and the company was supposed to have their own insurance on the car as well as mine. They did not put insurance on it and so I checked my credit report and noticed the company US Auto Credit was on my report. I got my car from US Auto Sales in XXXX, Ga. Which is a buy here pay here. I tried reaching out because it said that {$7000.00} was written off, yet the amount I supposedly owe is over {$13000.00}. It is being reported as on time with payments through XXXX but thats impossible as I havent made any payments due to their issues and I never took out a loan that reports to my credit with this company. Because they put this on my report and I wasnt notified of ANYTHING! You can just report something just because you want to. So being that they are illegally reporting payments being made, it has made the year of dropping off my report to XX/XX/XXXX, when from what they report it should be XX/XX/XXXX. I want this off my credit as I do not owe them anything as I never went through US auto credit. I havent received any paperwork, phone calls or anything validating this debt. Yet they have updated they couldnt find me. Another lie! This is hurting my financially and I am already going through hard times. Please delete this asap!
12/11/2023	No	Vehicle loan or lease Loan	Repossession Voluntary repossession	AL 36605	Web
I purchased a vehicle in XXXX during the time of purchase. I was told by the sales person about the debt cancellation agreement. The salesperson informed if I had lost of income that the agreement would cancel the debt. I purchased this agreement for {$600.00} a year into the loan I voluntarily surrendered the car. I thought I was secured because of the cancellation agreement that was purchased. Years went by and I never heard anything about any collection efforts I thought that the agreement had went into effect. Fast forward to XX/XX/XXXX i served court papers because the loan company filed a lawsuit. I represented myself. I won the court case they filed an appeal 14 days later and I retained legal aid. Legal aid advise me to settle even though I had purchased cancellation agreement. US Auto and XXXX XXXX XXXX XXXX should be held accountable for this. XXXX XXXX sold me an add on and US auto credit claim they had no knowledge. I am requesting this account to remove from my credit and to cancel the debt as promised when I purchased the debt cancellation add on. This company had never made any attempt to resolve this but wait until almost the 7 year mark to take me to court and sue. When I called the copy back XXXX they informed me that they could not talk me or because they my account to an attorney
07/19/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 11213	Web	Servicemember
In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.
11/26/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	GA 30044	Web
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
09/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web
For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither
12/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	Web
In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23112	Web
InXX/XX/2016,IwastoldbyacarlotownerthatIwasnotgoingtobethecosignerbutatemporaryco-signerforapproximately30dayswhichwould'vebeenaftermydaughterhadproducedapaycheckfromhernewjobbyXXXXXXXXofXXXX,VA.Theowner/carsalesmantoldushewouldtakemynameofftheloanandthecarwouldonlybeinhername.Theownersaidhewouldnotturntheaccountovertoacarfinancialagencyandkeeptheaccountasin-housefinancing.IaskedifIcouldgetthisinwritingandhestatedthatIcouldtrusthim.Whenmydaughtergothercheckandpresentedittohimhehadexcusesastowhyhecouldn'tputitinhernameonly.Duringthistimehedidn'tinformherthathetransferredtheaccounttoacarfinanceagency.Aftermorethantenattemptstoincludepopupvisitsatthecarlotandphonecallswewereunabletoreachtheowner/salesman.Approximately18monthslaterIreceivecallfromUSAutoCreditstatingthatmycarpaymentislate.IinformedthemIhadnoacknowledgedthatmyaccountwastransferredtothemandtoldthemwhatwasgoingon.
05/17/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 36695	Web	Servicemember
When XXXX disrupted our nation, I could no longer afford to make monthly payments to XXXX XXXX XXXX. So, I had to voluntarily surrender the vehicle ; after the loss of my job. I never received a letter of Explanation Of Calculation of Surplus or Deficiency until XX/XX/2022. All this time, since XX/XX/2022 ; US Auto Credit has been reporting negatively to the credit bureaus the wrong amount after the credit sale of the vehicle. I submitted disputes to all credit bureaus regarding this very issue. US Auto Credit has been charging interest since the credit sale of the vehicle. I only surrendered the vehicle due to the pandemic that swept the entire world, this was indicated as a national natural disaster. US Auto Credit with regard to furnishing incorrect information to the credit bureaus, is in error, and have violated my rights as a consumer.
08/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30274	Web
Did y'all know there is a clause in our original contracts that pretty much says US Auto Sales has the right to transfer our contracts to another financial institution at any time?.. .. Well XXXX XXXX XXXX is NOT a financial institution, it a debt collection agency! How do we know this? Because by Federal Law they have to make it known that they are a debt collector when they call, when they send you a letter in the mail, or even an email. Therefore, now we know 2 different ways as of now that US Auto breached the contract 1 - not paying the warranty company and 2- selling to a debt collection agency and NOT a financial I institution as it states in THEIR contract that THEY created! LAWSUIT LAWSUIT LAWSUIT. Get it I was over charged for this vehicle its a XXXX I still owe XXXX after having it 2 1/2 years
12/10/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	OK 74063	Web
There has not been any of the options listed. If this is not where I need to go then please direct me. The company, US Auto Credit has just recieved our lien. It was sold a couple months back. They have been harassing us by calling almost daily. They are instructed to call me and not my husband but they call him daily while he is at work and call me once a week. I have requested 4 separate times for them to cease their calls and they keep saying they have it blocked but we have proof otherwise. We are tired of being harassed. We are up to date on payments, and everything is perfect. When we call back ( because husband usually misses the call since he is at work ) they never seem to know WHY we recieved a call? They all have attitudes and im going to be calling the cops next. I'm out of my depth here.
10/31/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL XXXXX	Web
I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.
11/25/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
Good day, I am reporting this account because I was working with this company from the beginning. I bought a car brand new but then it started having troubles right after I bought it. I keep sending it back into the dealership for repairs and such until it became so much work. I traded it in for a new car, so I do not have understanding to why my consumer report is reporting a balance I owe on this account. This account is reporting XXXX different balance along with being charged off why? Why is there active payment reporting on my consumer report and it is supposed to be charged off for whatever reason. This is causing me so much stress and I need answers. Account name : US AUTO CREDIT Account number : XXXX Amounts : $ XXXX {$6500.00}
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30281	Web
US Auto Cr of JXXXX, Fl keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXX, Fl. On XX/XX/2015 it was a buy here pay here lot .USAuto Cr was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
10/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33584	Web
I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX USAUTOCREDT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/30/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	FL 33054	Web
US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web
US Auto is reporting a closed account as having late payments. I had a vehicle financed through this company that was traded in prior to my payment date. It was paid off through the Company That I Traded it to. This was XXXX XXXX. They have constantly kept this false report on my credit.5 XXXX XXXX sent them a check on XXXX for the payoff. Yet they have false late payments reporting as of XXXX - XXXX. I ask that this please be investigated because Im positive that Im not the only one that they have hindered from progressing. This should be illegal and I wish to be compensated by the removal of this on my credit and added as having no late payments.
09/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 238XX	Web
I have a previous loan with US Auto Purchasing Center LLC XXXX XXXX XXXX XXXX XXXX ) dating back to XXXX. I filed a 1099c with the company and it was accepted by the IRS and US Auto sent me back my copy b but are now avoiding me once I have contacted them in regards to my payment being applied. My 1099c is the instrument used as a form of payment which is backed by UCC 3-602. I am invoking my rights under UCC 3-603 to enforce my form of tender using a 1099c as my payment instrument. I have tried emailing and calling to ensure this has been accepted and applied but the complaince manager has yet to answer me.
07/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29073	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 313XX	Web
Almost 7 years ago I voluntarily gave back my car to us auto credit. Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.
06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38109	Web
When I first got the car it was with a local car lot, and then they sold my account to US Auto Credit without my consent or knowledge. I started dealing with US Auto Credit and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.
12/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC XXXXX	Web
I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.
09/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28216	Web
I have reached out and disputed with this company for the past 7 years explaining that I believe this account was taken out fraudulent only thing I was told was it was done with a company called XXXX XXXX XXXX but that company is out of business also I asked that they provide the original contract showing any information that would help me figure out how this transaction transpired but they have failed to send me that they are on my credit as charged off and they still report late payments
12/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37040	Web
I'm Filling this complaint because I sent US Auto Credit a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if US Auto Credit fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20774	Web
U.S auto credit continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request U.S auto credit to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. XXXX is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!
09/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31794	Web
I contacted my lender and set up a payment arrangement. This was at the start of covid. My arrangement wasn't hornered., I was charger extra frees and eventually lost my vehicle. I have mumeriious conversation and and recording. I even spoke with legal aid. Nothing they offered was kept up on my lenders end. My car was taken and I wasn't notified. There was so many tools, cloth, money, etc inside my property. The car was resold and I was even sent a bill afterwards...
06/24/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	VA 20155	Web
I had to have auto repairs and I have done this before. It was known that I have 15 days to make payment and I 'm not even 15 days yet. They call me at least 5 times a day, now they contact me email and my job. This happens frequently, and it is a used car but repairs have officially be completely done. It makes you not even want to make the payment. They call and have attitudes when you ask for extension. It is getting out of hand.
11/30/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	KY 410XX	Web
We had a vehicle repossessed through us auto credit in XXXX fl. On our credit report it stated closed charged off. I disputed this to get it removed off my credit and us auto credit reopened this and is now taking me to court plus wanting me to pay for extra fees and extra finance charge until it is paid off. It also states on my credit report that this was affected by natural disaster.
01/12/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	KY 40505	Web
I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.
12/02/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30601	Web	Servicemember
Yes I have a XXXX XXXXXXXX XXXX and the financial center US Auto Credit in my opinion is being fraudulent with my payments for a car that's not worth the balance for the money in repairs I put in on the vehicle. They have pass my information fraudulently from other companies. I'm hoping you can help me out on investigating US Auto Credit on how they do business.
02/07/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 35601	Web
The listed price for the vehicle is not listed in my contract, TILA wasnt disclosed, the mileage in the contract wasnt the mileage on the odometer, I was rushed into signing to discover the saleswoman printed my name on a page in the contract, I wasnt given the option to opt of GAP when I already had insurance
05/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
SOMEONE WHO HAS STOLEN MY IDENTITY AND HAS PUT A CAR LOAN AND OTHER CREDIT IN MY NAME USING MY INFORMATION AND NOW THE DEBT IS BEING SHOWN ON MY ACCOUNT IS BEING OWED BY THE WRONG PERSON. THOSE ACCOUNT DO NOT BELONG TO ME NOR DO I HAVE ANY CONTRACT WITH ANY OF THE CREDITORS ON MY ACCOUNT.
03/23/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30038	Web
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.
09/29/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	GA 317XX	Web	Older American
My car is finance through U.S Auto XXXX I have made payments to this company {$6000.00} and I'm really worry about making another payment and my car will get repo. And I was told to file a complaint against them cause their still asking for money.
05/20/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	AL 36330	Web
Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years.
06/27/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34761	Web
I paid off my auto loan with the amount the company agreed to. But they reported it like I underpaid the company. Ive did a report with your company and Im not understanding why you closed my complaints XXXX XXXX
09/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	KY 40216	Web
My loan was sold from XXXX XXXX XXXX and nowhere in my terms and conditions did it say anything about my loan being sold. I don't think I should have to pay the remaining balance of this loan.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Web
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment
06/13/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 220XX	Web
Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report.
07/27/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35758	Web
The account has been charged off but Im still getting charged about $ XXXX monthly in interest I assume.
03/28/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 78108	Web	Servicemember
Vehicle was returned and or turned in as trade in. Update and or remove Immediately
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29229	Web
XXXX XXXX is reporting this account as not paid. This account has been resolved.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 309XX	Web
Vehicle was no longer in XXXX condition and warranty to XXXX was not honored.
01/15/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	VA 23075	Web

12/11/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75062	Web

11/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32827	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27262	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31217	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29075	Web

06/22/2023	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 75010	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29053	Web	Servicemember

04/06/2023	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	GA 30033	Web

02/24/2023	No	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23805	Web

02/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32303	Web

02/17/2023	No	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	GA 30067	Web

01/26/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 31763	Web

12/28/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OH 45211	Web

04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 30337	Web

04/09/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30528	Web

03/09/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33802	Web

02/23/2022	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 36618	Phone

02/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 31521	Phone

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77701	Web

12/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29332	Web

09/29/2021	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 Their investigation did not fix an error on your report	TX 75241	Web

08/24/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23831	Web

05/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29406	Web

03/05/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 36608	Web

05/12/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 34744	Referral

04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30019	Web

04/22/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 36609	Postal mail

03/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30034	Web

02/22/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AZ 85705	Phone

01/13/2020	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	VA 23224	Phone	Older American

12/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28212	Postal mail

11/21/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 27360	Web

10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web

08/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30577	Web

02/19/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle		Phone

01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28215	Phone

02/10/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	SC 29910	Web

11/17/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NJ 07024	Referral

08/05/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	GA 31217	Phone

05/22/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	AL 36330	Web

02/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KY 40591	Web

12/04/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30189	Web