| 06/07/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Dept of Ed/XXXX, US dept of education , Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 12/11/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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Approximately XXXX months ago, I took my cat to the vet because he was very sick. He ended up passing away after approximately {$3000.00} in vet bills. My vet said I could take out a loan through a company they use, and when I showed them my phone to ensure I was using the correct application, they mistakenly told me it was the correct site. I didn't find out until a few minutes later, Max Lend was not the company they use. I did not think anything of it, as I I was sure it was a loan shark or a predatory company, but I figured I would just pay it off within the next month and just chalk it up to a mistake. I didn't think the interest rate would be as high as it ended up being, I would be paying more than double with my actual loan was to begin with, and they would make ridiculous rules to make it more difficult for me to pay it off faster. I attempted to make extra payments, but always had issues online and by phone. One of the issues is that it would not allow me to use a different bank account number to pay. So I transferred money from that account to the one registered with Max Lend but the issues continued. Then they would not allow me to make a payment sooner than 2 weeks out so I could pay the loan off faster, but they only had the option of paying more on my due date. I attempted to just add another payment to my already scheduled due date, and the website advised if I chose this option, the amount needed to be minimum {$500.00} on top of the XXXX being withdrawn. When I attempted to make a solo payment, the website would not allow me to do so because I already had a payment set up for my next payday. When I attempted to pay interest only, the website stated I could only make a {$500.00} minimum payment towards interest and would not accept any lower payment -- except for today, after speaking with the representative I tried again and this was the first day I could actually make an interest payment ( I did not complete the process and click submit because I did not want to make any payment, so I'm not sure that it would actually go through ) XXXX I made a complaint online and received a phone call from XXXX of their employees, who refused to work with me. They stated I could pay {$1400.00} and pay off the loan. I told them that was ridiculous as I had already paid {$2100.00} for a loan of {$1500.00} that I took out less than 3 months ago. I offered to pay {$400.00} and be done with the loan, and he stated I had to pay {$1100.00}. I am upset because this was completely by accident because of the vet technician 's error, in fact they even refunded me some of my vet bill because of the mistake. But I certainly was not expecting this high of an interest rate and didn't expect them to make it impossible for me to make any kind of payments to try to pay it off faster.
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| 11/29/2022 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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I fell victim to predatory lending by MaxLend. I took out {$750.00} in XX/XX/XXXX. Then I realized on XX/XX/XXXX that I was charged {$200.00} bi-weekly, meaning I had paid {$2100.00} by XX/XX/XXXX. After paying MaxLend these payments, which totaled {$2100.00}, MaxLend only applied little to none of the paid amounts to the principal balance. For example, for each biweekly payment of {$200.00} where the principal balance was $ XXXX, the ending principal would still be $ XXXX. This means that only a few cents to a few dollars of the {$200.00} bi-weekly payments I made were applied to the loan 's principal balance. Even after I had already paid {$2100.00} total by XX/XX/XXXX, I only had a few repayment options : Pay an additional {$810.00} to stop getting charged a biweekly {$200.00}. I even asked if I could get back the previous money paid in interest since the original contract was supposed to last until XX/XX/XXXX, and I paid off the loan on XX/XX/XXXX, and the answer was no.
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance.
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance plus extra.
To stop getting charged the bi-weekly {$200.00} until I could report the issue, I picked option one meaning a total of {$2800.00} was paid to MaxLend. None of the options allowed me to pay the principal balance. When the loan was taken out over the phone, it was not explained that I would be paying $ XXXX for a {$750.00} loan.
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| 09/25/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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On XX/XX/2023 I applied and was approved for a loan of {$500.00}. To complete the approval process, I spoke to an agent on the phone. He asked the number of installments i wanted to complete the repayments in, and I advised him that I wanted to payoff the full amount when the first billing cycle completed in XXXX. He agreed and even noted that was the smartest option due to interest rates. When he emailed the application, it was not set up as discussed, and I fully accept that I did not review the documents properly. I accept that I had some fault initially, even though my further dealings with this company would indicate that is a revenue tactic.
In XXXX, when I noticed that installment payments were coming out, rather than the full payment. I reached out on chat, and through a phone call. I expressed my disappointment but scheduled the full payoff online, The representative confirmed they could see the pending payment of the full amount.
Now again, today in XXXX, The full payment still has not been processed, and they continue to bill me in installments with high interest rates tacked on. I have yet again processed another " payoff '' installment.
I reached out through their chat with agent feature to confirm the payment is visible ( again ), but i am upset that the interest payments of over {$700.00} were not what I agreed to pay verbally & through further communications. They acknowledge they have recordings of the initial loan phone call. I agreed to be recorded on that call.
|
| 12/02/2022 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I applied over the phone for a loan amount of {$1600.00} and was told how much would be taken out of my account bi-weekly. I also asked about the charges and was told something around 25 % interest. I agreed and they ask you to state your name saying you agree and I did. As I made the first initial payment and XXXX thereafter, I noticed the balance was becoming more than the loan itself. When you call this company, ( after accepting the funds ) they give you absolutely no options of lowering your payments in which I have already paid them approximately more than {$1400.00}, they also say you can call if you're having difficulties with payments but yet they hang up on you. It was only when I actually cancelled the debit from my bank and emailed them telling them I was doing so due to their lack of communication that they started calling and emailing me saying I owe them approximately {$1900.00} plus more dollars. So I then pulled up my information only to find out the interest rate is 634 % ... ... ..absolutely not!!!! NO ONE would ever sign up for something like this, and I knew I would be paying them for interest but this is predatory lending. The complaint was sent to them on their website, this was around XX/XX/22. They DO NOT send you a copy of this contract with that interest rate on it, they tell you something totally different over the phone and get you to verbally agree, and then include this bogus contract with your signature.
|
| 08/18/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Hello. I borrowed {$200.00} from MaxLend account # XXXX. I have paid back {$280.00}, which is 70.75 % interest.
Yes, I was desperate at the time and really needed the help, but in the USA, loans above 24 % interest are considered predatory and is usury. I apparently have like 10 payments left.
They have you sign an agreement@ 685.40 % interest, so that I would be responsible to pay {$1000.00} for a small {$200.00} loan. This is ludicrous to say the least.
I had the same situation with a company called XXXX, but they understood that they were being predatory and lowered my loan to a reasonable amount. I've called MaxLend twice concerning this... The 1st time I had to get a call back from a supervisor. My phone recognizes them as spam so I didn't receive those calls, the 2nd call was today, I was put on hold for over 25 minutes... I had get back to work.
This is going to make me have to rearrange my banking situation which will be a hassle. But I can not justify paying another dime to MaxLend for such a small loan.
Also the immediate payoff at this point would be an additional {$240.00} totaling {$530.00} which would be a interest rate of 265.55500 % which is 241.555 % over the USA predatory lending limit.
|
| 06/15/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I took out an installment loan on XX/XX/XXXX with this company and they are charging astronomical fees to the point that I can not keep up with the payments any longer. I borrowed XXXX, made a XXXX payment early on XX/XX/XXXX. XXXX days after the date I received the loan. That brought my balance down to XXXX. I requested that they stop any automatic charges to the account and they confirmed that same day ( XX/XX/XXXX ) that they revoked future XXXX transactions. Today, XX/XX/XXXX, they debited my account XXXX dollars for the installment payment. I have a screenshot of that conversation. The amount still owed today even after that payment is showing as {$2800.00}. That means that after 24 days of receiving this loan, I would have paid them XXXX and still owe {$2800.00}!!! That is an unrealistic amount.
|
| 03/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX sent me a letter last month saying they are collecting a debt for MaxLend. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from MaxLend. I never signed electronically for a loan with MaxLend. I am a victim of identity theft.
|
| 03/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
AvanteUSA is trying to collect a debt for MaxLend. I disputed the debt with AvanteUSA and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.
|
| 03/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX is trying to collect a debt for MaxLend. I disputed the debt with XXXX and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.
|
| 11/27/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was granted a loan of XXXX on XX/XX/2023. I made a payment of XXXX on XX/XX/XXXX, then payments of XXXX on XX/XX/XXXX and XXXX. Today, I paid off the balance, and was horrified to discover that the total amount owed was almost XXXX! I don't know the exact amount, XXXX something. I believed that if I paid it off early, I would only owe the principal amount, but this was XXXX more than that. This company got rude with me when I was initially getting the loan and acted like I wasn't understanding the repayment amounts when I questioned them about how excessively high they sounded. I also was told there was no penalty for paying it off early. This is absolutely terrible and I don't know what to do.
|
| 07/28/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out an emergeny loan for {$600.00}. I have paid back more than the original {$600.00}, however I still owe {$750.00}. I attempted to try to settle the amount of remaining interest and was told because I am in good standing it is not an option. I have had XXXX unexpected surgeries this year and was on XXXX XXXX XXXX for XXXX months. Im not sure how it is legal to charge this amount of interest and the company is not willing to assist. I was also told if I cancel my ACH payment my balance is due in full. An account can not be charged off prior to 180 days. I also requested a cease and desist on phone calls and was told they will still attempt to call me.
|
| 01/18/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
We had an emergency visit for our dog. Someone suggested Maxlend to pay for bill. I called them and received the money {$500.00}. Nothing was mentioned about interest rates. I signed the paper online. They said I signed authorization?? to take pymt out of my checking. I don't recall doing that, I don't like that method, but they insisted I did. I called the company to get a bill or statement. They don't send them. I went into my banking and noticed they took out {$210.00} automatically. Their online info also showed future pymts of {$260.00} a month till XXXX XXXX. Total {$3000.00} for a {$500.00} loan!! I can't pay that!!!
|
| 01/27/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took this interest loan at a time if need. The loan was scheduled for semi monthly payment until paid. On XXXX XXXX 2023 my account was erroneously drafted. This will not only cause overdraft fees that they say will be taken care of but also cost me a day of work that I will not be compensated for. Due to an online system calculation error the fee schedule listed an erroneous draft date out of sync with the pay schedule based on the last pay date entered into their system. My cell phone will be disconnected because the funds are not in my account for me to pay it. This is causing me hardships they will not cover.
|
| 03/06/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
XX/XX/2022 collection agency tried to collect on a loan I did not take out with Maxlend Working with Maxlend I was able to verify I did not incur the loan- Maxlend never acknowledged this however in XXXX of XXXX received letter from collection company that case was closed Maxlend refuse to give me information or letter of apology for mixup or improper use of my social security number Ive received an I 9 from their parent company makes XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX with a disconnect phone number XXXX showing loan was discharged
|
| 05/17/2023 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I borrowed {$300.00} a month ago. the first payment was {$36.00}. today they took {$170.00} from my account.when the agreement was for {$36.00} paid for 9 months. today, they took {$170.00}. when I called to complain, the person answering the phone said this is the arrangement. for a {$300.00} loan, @ {$170.00}, they rake in {$1500.00}. this is usury or theft by deception-I DID NOT AGREE TO ANY {$170.00} PERIOD. SO WHAT CAN BE DONE ABOUT THESE " thieves ''.????????
|
| 03/21/2023 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a bill from XXXX XXXX XXXX in the amount of {$1300.00} from an account that I never opened. I reported my identify as stolen in XXXX of 2019 since this person committed multiple unlawful transactions using my identify. The person also used an address I have never resided at and does not exist. This debt is not mine, and should have never been able to process through.
|
| 08/12/2023 |
No |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company ( Maxlend ) has called me a total of 8 times within 4 days. I answered the last call to inform them that they are now harassing me and to stop calling but they hung up. I have a screenshot of the received calls.
XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX
|
| 12/09/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I borrowed {$1500.00} from Maxlend. I had asked several times what the APR rate was and they danced around the answer. They told me they would charge {$170.00} per month and they have taken out {$170.00} per WEEK 3 times within a few weeks. Charging me almost 600 %. They didnt answer the phone when I called to dispute these unethical practices.
|
| 08/25/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I needed the loan to cover a financial hardship due to death of my son. I fell behind in payments and they withdrew a very large lump sum which I did not authorize and was not what I initially agreed to - I was not informed or aware that a company could do this and feel they are in violation of some legal regulation.
|
| 01/24/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
The loan was for XXXX. They are charging XXXX XXXX interest and debit my checking account {$320.00} every XXXX weeks until XX/XX/2023. I was under the impression this was XXXX a month and didnt know the interest was so high! This is definitely predatory lending.
|
| 10/18/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I borrowed XXXX and have already made three payments @ XXXX twice a month. I will pay nearly {$5000.00} for a XXXX loan. I was NEVER told this was a payday loan. I thought it was a regular loan. I can not afford this as Im a XXXX month employee!!!
|
| 09/04/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Being charged 408 % interest. Negative amortization on loan. {$2500.00} loan paying over {$8000.00} in total with {$450.00} twice monthly payments. Ive already paid over {$2000.00} but currently owe more than the amount borrowed.
|
| 06/30/2023 |
No |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
CALLING MULTIPLE TIMES A DAY FROM ATLEAST 2 DIFFERNT NUMBERS. ALREADY ASKED THEM TO STOP CALLING ME DURING MY WORK HRS BUT THEY WONT. ITS CAUSING PROBLEMS WITH MY JOB WITH MY PHONE ALWAYS RINGING
|
| 01/11/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I requested a quick loan of {$700.00} and found out after agree ment that it would cost me upwards of {$3000.00}. This type of lending is unauthorized in the state of XXXX.
|
| 06/07/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Applied for loan XX/XX/ through maxlendXXXX Unfortunately I gave out my personal information and believe the site was a scam. I no longer wish to have this loan.
|
| 11/02/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
Older American |
|
I was a returning customer so I decided to take out a new loan they wont even allow my application to go further, just denied immediately
|
| 01/06/2023 |
No |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Predatory loan was told it was once a month payment its by weekly.
|
| 01/25/2024 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/23/2024 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/22/2024 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 12/19/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/27/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 05/19/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/30/2023 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/10/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 12/09/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|