| 08/11/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am writing to express my deep concern regarding the apparent violations of fair practices by Veros Credit in connection with my loan account # XXXX. I believe it is crucial to address these concerns to maintain transparency, uphold ethical lending practices, and ensure compliance with applicable regulations. Recently I have been experiencing hardship and while that is not a priority of your company I do believe you are committed to The Equal Credit Opportunity Act ( ECOA ) requires equal treatment of all credit applicants and consumers.
In the past I have always been concerned with the debt collection practices as they seem to be aggressive. I have found myself in therapy, pressured, afraid, and now my livelihood has been threatened due to these neglectful practices.
1. XXXX a. XXXX, XXXX XXXX XXXX made a payment to Veros in the amount if {$490.00} leaving remaining balance {$520.00} to pay in 7 days.
2. XX/XX/XXXX a. - a transaction took place in my bank account and amount was declined @ XXXX b. I made a payments through the portal online for {$490.00} leaving remaining balance {$30.00}.
3. XX/XX/XXXX a. I called in and spoke with representative to have my pay due date change in hopes to NOT fall behind and keep account current. I recorded this call to verify, b. Due date was changed from XXXX of every month to the XXXX c. Requested a copy of my account to show the breakdown of how much was going to my interest rate and how much was going towards car.
d. Veros Rep stated she will send me a bill and I CLARIFIED I do NOT want the bill, I need the itemized breakdown. She stated she is sending a form within 24-48 hours that will show interest to my account because of the change of date as well as I have to pay more interest because of I needed to change the day.
e. I asked if that is negotiable and was told no, I thought I needed to sign a new contract to make changes.
XXXX. XX/XX/XXXX a. I received an email showing my payment of $ XXXXwas returned as well as my account was charged additional fees from the transaction. I called in and expressed with a representative my concern as I just made a payment ( XX/XX/XXXX ) AND I just CHANGED MY DATE, to the XXXX of every month. She interrupted and stated we are not going to do this, the payment is not from this month.
b. I responded to the fact that even if it is from the prior month ( XXXX ) the money was paid and I only owed {$30.00} for the past 5 days.
c. I advised that the call was recorded and she hung up on me.
d. I did not advise a transaction on XXXX and because of it MY RENT DEPOSIT WAS RETURNED AND NOW COSTING ADDITIONAL {$300.00} ***I have been homeless trying to keep up with car note, I have expressed this and all they do is ADD CHARGES.
XXXX. XX/XX/XXXX a. I received a call from Veros at XXXX while working. I answered in hopes to let Veros know I am wanting to settle the account, however I was working. The rep did advise I was now 10 days past due.
b. I asked the representative to give me a call back at XXXX to resolve and the representative continued to try and pull more information from me. I asked multiple times to call back and he even seemed to try to coerce me to say I was refusing to verify or pay the debt. I was just asking to call back since I was working and needed my statements in front of me.
6. XX/XX/XXXX a. Received a bill ( not requested ) as stated in 4a above I needed an itemized statement.
b. I responded via email stating I do not want contact via phone as the last 3 representatives have been rude, aggressive, and caused me great anxiety and stress 7. XX/XX/XXXX a.Received a response that my email was received. Then a CONTRACT was sent to me but NO breakdown of my interest and fees.
I have received countless calls from Veros during my work hours. They even keep calling after I sent an email stating I do not want contact. I have done my best to remain silent but now it is getting out of hand.
-I have suffered housing loss, being evicted XX/XX/XXXX because I wanted to make my veros payments and as I was trying to obtain housing for my XXXX children and I, that payment was declined and caused me a chance of fair housing. Despite my efforts to obtain comprehensive information about my loan terms, repayment schedule, and other essential details, I have encountered challenges in receiving accurate and clear responses from Veros Credit.
1. I have experienced what I consider to be harassing and unfair collection practices from Veros Credit representatives. Such practices not only violate ethical standards but may also breach applicable debt collection laws. It has come to my attention that changes were made to the terms of my loan account without my consent or prior notification. This lack of transparency and unilateral decision-making is unacceptable. Despite my attempts to address these concerns through various channels, I have not received satisfactory responses or meaningful efforts to resolve the issues at hand.
In these efforts, I found these laws that have been violated.
15 USC 1602 ( a ) INFORMED USE OF CREDIT finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit.
This law is so the consumer ( ME ) will be able to compare more readily the various credit terms available and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
I repeatedly asked for the itemized statement via the website portal and verbally. I do not know how much is interest, how much is on the vehicle, and if the contract is correct as the amount financed appears added twice. I was financed {$17000.00} and car was $ XXXX and I paid {$1500.00} down but also saw balance of $ XXXX.
15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
If my payment was made on XX/XX/XXXX, why did it return? Funds were available and I was not informed that it was returned BEFORE IT charged my account again XXXX.
15 USC 1666 ( C ) ( a ) Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof I am not able to verify ( b ) APPLICATION OF PAYMENTS DUE TO CREDITOR REFUSAL TO SEND THE INTEREST INFORMATION I AM REQUESTING.
( c ) CHANGES BY CARD ISSUER If a card issuer makes a material change in the mailing address, office, or procedures for handling cardholder payments, and such change causes a material delay in the crediting of a cardholder payment made during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account to which such payment was credited.
VEROS IS AWARE THAT I HAVE MOVED 3 TIMES IN THE LAST 6 MONTHS AS THEY HAVE ADDRESSES ON FILE.
15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
15 USC 1692c violated ( a ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( c ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGESExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
I lost my option to have somewhere to live due to these practices and I demand communication to cancel debt, repay for causing MORE DEBT, and essentially the disrespect to my job is unfair! If I can not work, I cant pay debt. Please investigate this company. The APRs are over 20 % and sellers use the disadvantage of consumers lack of credit knowledge to charge more and become bullies about it. I have been in therapy since May when my car was repossessed. I took efforts to get it back, lost my home, and yet still harassed. Please look into this company.
Thank you XXXX XXXX
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| 01/14/2019 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX Re : Veros Credit IDENTITY THEFT, XXXX AND FORGERY On XX/XX/XXXX, I entered into an agreement with XXXX XXXX to purchase a vehicle ( See finance agreement, Exhibit B ). Shortly thereafter XXXX XXXX assigned the contract to Veros Credit ( Acct No. XXXX ).
The contract dated XX/XX/XXXX with a monthly payment of {$430.00}, bears my signature in specific places, however my signature has been 'clearly forged, ' on the line that states, 'Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract or enforceable. There are several places on the contract that bear the initial XXXX. These initials are 'clearly forged. The contract also states 'This contract is not valid until you and we sign it. There is no place on the contract that bears the name 'Veros Credit. I have brought this to the attention of Veros Credit who continually deny any wrong doing by their officers, owner ( s ), employee ( s ) agents, and assignees. By utilizing my name to sign a specific portion of the contract Veros Credit and its agents have indulged in forgery, fraud, deceptive trade practices and have, in fact, breached the original agreement.
INSURANCE XXXX I have maintained insurance coverage on the vehicle, in accordance with the requirements subject to drivers in the State of Texas, since XX/XX/XXXX. However, on XX/XX/XXXX, I received a NOTICE OF INSURANCE PURCHASE AND PREMIUM FINANCE DISCLOSURE ( See Exhibit E ). The notice indicated a full payment of {$1600.00} was due under 'California State Law, Section 16020 of the Vehicle Code. Since I reside in Texas, did reside in Texas at the time of the vehicle purchase and have never resided in California, I immediately notified Veros credit of the error in their demand. Unfortunately, Veros Credit persisted in attempting to enforce The California Vehicle Code on a Texas resident. By failing to recognize the laws of the State of Texas and attempting to force place insurance on a pre insured vehicle Veros Credit has indulged in deceptive trade practices and insurance fraud.
ILLEGAL REPOSSESSION Additionally, all of my payments have been made on time and in accordance with the terms of the contract. However, on XX/XX/XXXX, my vehicle was repossessed and I was told payments were due for XXXX, XXXX and XXXX. Please see ( Exhibit A ) as it verifies on XX/XX/XXXX a payment in the amount of {$430.00} and XX/XX/XXXX reflects a payment of {$430.00}. However, Veros Credit illegally repossessed my vehicle on the date specified above.
Texas law requires a redemption period which includes notification by writing of the length of time given to redeem a repossessed vehicle, unfortunately, Veros Credit did not provide such notice. Instead I called and spoke with a representative of Veros Credit ( XXXX ) who indicated the cost to regain my vehicle is {$1700.00}. On XX/XX/XXXX, after paying {$1700.00}, I was instructed to drive to XXXX XXXX, Texas to redeem my vehicle. Upon arrival to XXXX XXXX I was forced to pay an additional {$100.00} and a document releasing Veros Credit of any and all claims, damages, debts, liabilities, accounts, actions, judgments, and attachments of every kind and nature whatsoever.
DEFAMATION OF CHARACTER Subsequently, on XX/XX/XXXX at XXXX XXXX. ( nine days after paying {$1700.00} and driving to retrieve my vehicle on XX/XX/XXXX ), I received a notification from a credit monitoring service. The notification indicated the Veros Credit account was closed on XX/XX/XXXX, with {$15000.00} being due. Veros Credit ceased reporting my payments to the credit bureaus XX/XX/XXXX, which is contrary to the credit bureaus policy and standards ; also stating I am 60-90 days past due. By reporting false and erroneous information to a third party credit bureau Veros Credit has attempted to paint me in a 'bad light ' thereby defaming my character. Additionally, my credit report reflected a monthly payment amount of {$480.00} instead of the contractually agreed upon amount of {$430.00}. ( See attached credit report Exhibit F ) VEHICLE DAMAGE Upon possessing my vehicle I found extensive damage had taken place during the repossession process. After taking my vehicle to a XXXX XXXX dealer they found damage to the rear bumper cover, rear bumper panel, fasteners, front bumper cover, headlamp and parking sensors ( see Exhibit C ). The certified XXXX XXXX Dealer estimated the damage inflicted while towing is {$4400.00}. Veros credit was notified of the damage caused and has refused to be held responsible. My vehicle remains damaged.
FORCED PLACED INSURANCE After my vehicle was damaged during its illegal repossession, I contacted XXXX XXXX XXXX, a company in XXXX, California whose insurance was 'force placed ' on my vehicle ( see Exhibit D, Insurance Binder Attached ). Unfortunately, XXXX XXXX sent a claim adjuster who was physically unable to bend or view the under carriage of the vehicle. The XXXX XXXX claims adjuster estimated damages to the vehicle in the amount of {$900.00}. This is a huge variance in comparison to the previous estimate given by XXXX XXXX XXXX in the amount of {$4400.00}. I was told I had to pay a deductible of {$500.00} for damages Veros Credit caused. After the discrepancy was brought to the attention of XXXX XXXX a representative indicated they'd send an adjuster to perform a more thorough review. Unfortunately, more than 45 days have passed without a claim adjusters inspection.
On XXXX, a certified letter ( XXXX XXXX XXXX XXXX XXXX ) was addressed to Ceo XXXX XXXX requesting the return of the over payment demand to receive my car back. As of XX/XX/XXXXMr. XXXX has not responded to clear up this matter.
On XX/XX/XXXX, XXXX ( rep ) informed me that I was about to lose my car again if I didn't make payments for XXXX and XXXX. I disputed with her. Under coercion and duress, I requested an extension because I can nott afford to give them more money nor lose my car again.
I'm requesting an immediate and thorough examination/investigation into the common practices of Veros Credit as they are currently continue to demand for months that are not yet due.
Respectfully XXXX XXXX
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| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In XX/XX/XXXX I purchased a vehicle from a dealership that set up financing for this vehicle ( XXXX XXXX XXXX XXXX ). The vehicle seemed to be in great working conditions. 2 weeks after purchase vehicle began having mechanical issues. I contacted the dealership for maintenance which I was told nothing was wrong with it.
I contacted my finance company " Veros Credit '' and was told I had an extended warranty and to fix with that.
The problems continued i.e., the computer aka brain of vehicle died, vehicle would not start due to the computer. I called Veros credit yet again asking for a few days to make payment due to vehicle needing to be fixed because it was not working and was currently sitting at a XXXX dealership I was told that would be ok. They gave me until the middle of XXXX to make payment in which I made the payment 8 days later.
In XXXX the vehicle then began having transmission issues i.e., hard getting into gear, gaining speed etc. I contacted again Vero credit that this was a issue and I was not financially able to pay for the loan and fixing of the vehicle. I was told they would approve a new vehicle if I went to the same dealership. This is a problem due to the dealership did not have any vehicles and is being sued by the state of Utah and numerous customers for fraud and bad practices.
I then spoke to my dealership that fixed the computer issue and was told to fix the transmission it would be over {$6.00} in fixing the transmission. I then asked Veros credit to just add to the loan amount to allow me to fix my vehicle. At this time all payments were made and I was trying to continue to work full-time.
Veros denied the request. I told them I was then unable to work, make the car payment and get vehicle repaired. I told them to please get the vehicle and I would find a way to pay off or claim bankruptcy.
Their was no answer to this problem.
My vehicle sat at the XXXX dealership for weeks until I was able to find a resolution at that time I missed a payment that is when I began receiving 13-20 calls per day by various ( upwards of 6 different numbers all from Veros credit ) demanding payment, threats of if no payment I would be placed in jail, threatening of financial damage and attempting to call my employer and property management.
I answered several calls when they would change the number and or make private number and would advise Veros this was harassment and in Utah and the US the statute for debt collection calls is XXXX calls per day, not being able to call employer or housing management. I should have recorded these calls however I only have 1 phone. I was laughed at, called vile names even told if I did have XXXX ( which I do ) that I should die! I then spoke with a family member who is a lawyer to assist with advising Veros Credit to pick up the vehicle as it is nonfunctioning and to respect my privacy and to not call more than 7 times a day at which time I was told to go to XXXX, pay my bill or else.
The vehicle was repossessed XXXX weeks ago which i gave willingly and still to this day I receive over XXXX calls per day every day 7 days a week. Veros credit attempts to contact my family ( I have XXXX siblings not listed on any paperwork as we aren't close ), my previous employer, my property management group, personal visits to my home which i have a video doorbell which recorded threatening visits.
I have sent letters requesting to cease the ongoing harassment, I am living in complete fear of credit and physical harm. I have even made a police report with my local police department.
I am also looking into legal ramifications against Veros credit for harassment due to the continued threats.
I am requesting they stop the calls and remove this debt now in violation of the statutes in regard to debt collection. As I have XXXXXXXX as my cell phone provider and have scam shield which is to assist in preventing these calls and daily it prevents over XXXX calls per day and the other up to another XXXX calls are then blocked daily as they change their forwarding number ( s ) including setting as private or unavailable.
This issue all stemmed from a vehicle that the dealership knew was a bad vehicle and Veros credit as their sole credit provider was well aware of the dealerships selling of lemon cars aka bad cars. As I said I did reach out several times to Veros credit, the XXXX of Utah and the State of Utah Consumer reporting agency. When I did advise Veros credit of the mechanical issues with the vehicle I was told my numerous agents ( phone ) " so what, you know we only loan on vehicles that are challenged maintenance. So deal with it! '' The dealership is now under investigation and have several lawsuits pending including mine.
I believed I did my research for the vehicle and was blindsided by the dealership and then by the loan company Veros Credit.
I am now financially destroyed and fear every day that i keep my phone on silent as the number of calls from Veros credit is so high that i barely am allowed 10 minutes without them calling and receiving a notification of their calls.
This is mental torture and harassment 20+ call a day is is damaging my mental health to the point that I am in constant fear.
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| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Veros credit They repossess XX/XX/2021 my car payment was supposed to be taken out on Friday and money was never taken out or even attempted to they said I was going to pay online yet I have to access to do so.
They have denied for me to do so.
I had gave my debit card information to a rep I spoke to over the phone in result of his negligence car was repossessed.
Just had spent XXXX fixing this car the car continuously left me stranded in the middle of the day night with engine reducing power or engine idle.
I had kept open communication with them about the reasons I had fallen behind on my payment I was fixing the car it made more sense to fix the car than to pay it first. They have done this several times every two months I fix the car get behind on payment because Im fixing the car they finance me.
On Tuesday XXXX XXXX I picked up my car from XXXX XXXX XXXX My car had been damaged by XXXX or XXXX XXXX My car has a cracked windshield No car battery Driver door wont shut close Car wont switch gears.
After a repossession when I pick up my car has damage done to it previous times I picked up my car with Flat tires, car making noises, windows cracked Car seat not moving properly.
And back in XXXX XXXX XXXX XXXX they hired to repossessed my car not because I defaulted on my loan but because my car was on hold for 30 days with the police Keep in mind car was just stored not impounded or seized.
Such company that told me to sue them when i initially started the complain company that wasnt even insured and license to repo cars was expired.
That same company switched my car Parts or gave me a different car Because vin umber on the drivers door was sanded down and hard to read.
I take very good care of stuff my car specially.
I know what my car looked like I was detailing my engine before arrest and picked up car looking completely different engine had rust and car parts were colored dotted It takes me two months to recover the lump sums of money this company shady tactics has in stealing money of people.
Reason why I fall behind in payments To get my car reposed again They are a fraud deceptive company Its really shady predatory company I asked them serval time to email me documents and they deny me from such request.
I can I cant get a hold of nobody to assist me without verifying my account 4 times and nobody can assist me or give me information.
Im a mid to low income based customer to this horrible business they are a trap they will ruin your credit to trap you in.
When I was about to refinance my car Loan.
Bank called for a payout of Loan since they denied me a payout amount.
Following day after that they repossessed my car.
Went to jail for three days car was impounded they repossessed my car to protect they shady business assets. Hit my credit with a repossession yet I didnt default on my loan.
Car was stored another time for 30 days Not impounded not seizes they picked it up again.
Representative said stop getting pulled over by the police as if it was Intend to do so. They accepted my finance knowledgeable of my license status.
This company has cause a great deficit on my income because of them protecting their assets or what ever they like to call it it puts me in a bad financial place.
Every time I pick up my car after a repossession my car has been damged by the agencys they hired. Damaged that they dont hold no one accountable but myself to fix the damages.
I pay XXXX a month for a faulty car I was sold by XXXX XXXX XXXX.
XXXX since XXXX to date I have paid over XXXX Thats not including their excessive unexplained fees.
Since the loan I was charger incorrect amounts by the representative who took my payments leave me a XXXX dollar balance to accumulate interest.
XXXX is a sin they run their business on.
Interest rate is more than just number They are a reflection of societies collective judgment about moral and ethical behavior.
Please remind me were your company morally stands.?
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| 06/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I spoke to a representative from Veros Credit by the name of XXXX. XXXX said that my XXXX XXXX were going to be repossessed if I did not make a payment on XX/XX/XXXX. XXXX said that my account was 29 to 60 days past due and that Veros credit did not receive any car payments for my XXXX XXXX XXXX See Attachment A of car payments ; XXXX then proceeded to say that my car payment is not XXXX, its XXXX. My car payment every month that stated on my contract is XXXX ; I added an extra XXXX dollars due to my payment being late.
Veros refused to change my date for my car payment back to the XXXX and Veros made a decision to change my due date on the XXXX without my consent. I spoke to a representative from Veros and requested that a letter to be sent to me with the change in the date. The letter was not sent to me in a timely manner and I did not receive a phone call informing me about the change of my due date. When I requested to change my due date I was told by a Veros Credit Representative that If I change my due date I will have a whole month car payment due. My car was repossessed in XX/XX/XXXX and I paid the amount of XXXX to retrieve my XXXX XXXX XXXX.
XXXX stated my car payment is XXXX and that Veros credit bought insurance when I did not have insurance on my vehicle. Veros Credit added Forced Payment insurance and when I added insurance to my vehicle independently and had my insurance carrier XXXX send proof of insurance to Veros Credit. I told XXXX my car was repossessed in XX/XX/XXXX and my account balance should be XXXX balance. XXXX said that Veros Credit did not add the amount of XXXX of Forced Payment insurance to my vehicle ; when car was repossessed in XX/XX/XXXX. I asked XXXX what was the balance of the Forced Payment insurance? XXXX verbally said the amount Veros Credit took out for insurance was XXXX and my balance for my forced payment insurance is XXXX.
I asked XXXX I need an itemized receipt showing the payments I made for the Forced Payment insurance. I also mentioned to XXXX I have been asking multiple times I speak to A Veros Credit representative that I need to see proof of the amount owe for insurance added. I have not received any itemized documentation from Veros Credit. Veros Credit has refused to send documentation of insurance amount and my balance for paying forced payment insurance. I asked XXXX how many more payments do I have left and she said 31 payments. I asked her to send me proof and it was never sent.
On XX/XX/XXXX A Veros Credit employee by the name of XXXX left a message at XXXX ( Pacific Time ) ; stating it was a time sensitive matter and I needed to return the phone call by XX/XX/XXXX. On XX/XX/XXXX I returned XXXX call at XXXX XXXX ( Pacific Time ) and she mentioned that I have a car payment of XXXX thats due immediately. See attachment A, I am current with my car payments. I asked XXXX during the phone conversation to send me an itemized receipt showing my balance of forced payment insurance. XXXX question me and asked if I had insurance in XX/XX/XXXX? I told her no.
I added a new insurance policy with XXXX effective XX/XX/XXXX. I have been asking Veros Credit for two years now for an itemized receipt and Veros Credit have refused to send documentation based on this force payment insurance added to my car payment. I am not comfortable and have not been satisfied with Veros Credit unethical behavior ; verbally intimidating myself and other Veros Credit customers I have researched on XXXX and read reviews about Veros Credit unethical behavior. I would like my matter to be resolved with me receiving an itemized break down on how much the insurance policy was taken out at the time I did not have insurance as well as the reflective payments on the forced payment insurance and my current balance of this forced payment insurance. Veros Credit is licensed by the City of XXXX XXXX and their license number is XXXX.
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| 12/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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I purchased a vehicle onXX/XX/XXXXXX/XX/XXXX, a XXXX XXXX XXXX Vin XXXX, from XXXX XXXX XXXX XXXX, a XXXX, Florida Buy here- Pay here dealer This vehicle was to be financed through .Veros Credit LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca. The dealer provided all the financing paperwork. This was the first time in my life I had purchased a car. I have only been in this country for a year and a half. I am from XXXX and my XXXX was not very good. The dealer just printed out the paperwork, he never advised me of any information on the financing of the vehicle. He never went over the truth in lending disclosure He never advised me of the interest rate on the loan I was just shoved all the paperwork and just sign on the signature line. I was only advised to bring the first payment to him in cash and he would then send it to the finance company. Since the purchase the vehicle has never worked and has had extensive mechanical issues. The vehicle had to be returned on two separate occasions on the date of purchase. I was provided with two different loaner vehicles during the first day of purchase. The vehicle overheated twice the first time I took delivery. Within the hour of delivery I had to return it. The engine was running hot and the motor was extremely noisy. I was provided the first loaner vehicle.The first loaner he provided had transmission issues. I was not able to go to work. After a period of several hours the dealer called me to pick up the vehicle I purchased. It was supposed to be repaired. At that point I was headed to my work and the vehicle again acted up. This time the temperature gauge was indicating the motor was getting hot and was noisy. I immediately started back to the dealer, but was unable to make it back, the car broke down within about 1.5 miles from the dealer. I had to call the dealer to pick up the car, a person working for the dealer came and drove the vehicle back, we could not exceed 15-20 miles an hour, the vehicle had to be stopped several times due to the overheating. The vehicle was blowing out white smoke ( the motor had blown a head gasket ) from the exhaust.I was told the motor need work. After reaching the dealer I was again provided another loaner, was told they would check the car out and get back to me. To this dateXX/XX/XXXX, I have called the dealer 4-5 times, each time it has been a run-around. He has gone as far as telling me that his mechanic was not working the week of XXXX. I have never been called to pick up my car. As a result of these issue I even lost my job for failure to be on time and failure to report to work. The vehicle I purchased has been at the dealer since the day I was supposed to take delivery.. I only had the vehicle for only 4 hours of use. At this point I will not be accepting or purchasing any vehicles from this dealer. The dealer has advised me I will be responsible for still paying the loan and I have no recourse. I called and notified the finance and the stated I was stuck with this car and that they were unable to do anything to help me out. They told me that if I did not make my first payment that they would repossess the car, sell it at auction and I would be responsible for the balance if any after the sale, they advised that the dealer should have gone over the financing paperwork and could not help me at all.
I feel the dealer committed fraud by not advising me the details concerning the financing and interest rate or shown me the details of the financing as well as the truth in lending and interest rate. Now he is refusing to release my deposit and that I have lost all my money. The dealer has acted in bad faith, knew of the issues ofthe car and stuck me with a bad finance company, I have field complaints with the state of Florida as well. I am hoping The CFPB can help me with the finance company since the financing of the vehicle was mis-represented to me and the finance company is refusing to help.
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| 06/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XXXX XX/XX/XXXX, I was recalled to XXXX XXXX, upon reactivation I requested that my auto loan be placed under SCRA. From XX/XX/XXXX to XX/XX/XXXX I fought with Veros Credit to have the account placed under SCRA and with held payments for approximately 2 months before Mr. XXXX XXXX of the Veros Credit Loss Recovery department contacted me and finally started to push the process. During our conversation where he placed my account under SCRA, he stated that the interest rate change would NOT affect the remaining balance of the loan, due to four payments having been deferred. This did not make sense to me as there was approximately 2 years left on the life of the loan. I made arrangements and paid to get the account up to date, and by XXXX of XXXX my auto loan with Veros was placed into an involuntary repossession status which damaged my credit score and dropped it to the low 500 's, I emailed Mr XXXX, who corrected it, however the damage was done and my credit score did not return to what it was. Fast forward to XX/XX/XXXX, I made 1 of the 4 remaining payments and received a phone call from Ms. XXXX from Veros Credits Loss Recovery Department, informing me that we did not make the payment for XXXX, I told her we had just made the payment for XXXX, she verified that I was correct and stated she would contact me and inform me on the situation of the account and why it was showing the balance that it was. Ms. XXXX Called me the following week and explained that the four payments that were differed were all due in one lump sum, I brought up my concerns about how high the balance was and she could not provide me with an answer, however Mr XXXX sent a loan mod package for me to fill out and return. My current deployment began early XXXX of XXXX Mr XXXX contacted me on XXXX XX/XX/XXXX and left a voicemail requesting that I contact him, I made every effort to contact Mr. XXXX, emails from home, work as well as phone calls from work and my mobile phone. during this time XXXX I had one response from him, my initial response to him which was a direct reply to his email containing the loan mod, expressed my concerns about the remaining balance and why there was XXXX dollars on top of the 4 remaining payments. I requested fine print ( policies ) and never received a response to my request, outside of the previously mentioned which took place on XXXX XX/XX/XXXX when he stated he was out of his office and would make every effort to contact me. The customer service from this department was lacking, and it seems that this company had dodged me at every opportunity with providing policies for me to read through to see why the amount remaining is correct. I sent a final email to Mr. XXXX stating that it would be my final attempt to contact and that I would seek legal representation via a Legal Assistance Officer at our Military Legal Office. This email was sent by myself via my civilian email on Saturday, XXXX XX/XX/XXXX at XXXX EST. I received a phone call from XXXX on Friday XXXX XX/XX/XXXX at XXXX EST, and I politely told her that I already acquired legal representation and that all further contact would have to be via my Legal Assistance Officer. Since the start of this fiasco, I have made 3 of the four remaining payments with an outstanding balance decreasing from approximately XXXX to XXXX. Latest payments made on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX are currently not reflecting on the loan. Last payment for this loan will be paid on or before XXXX XX/XX/XXXX, leaving the remaining unexplained balance. As of XX/XX/XXXX another derogatory mark has been assessed to my credit report for a late payment.
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| 10/21/2018 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Dealer was selling XXXX XXXX XXXX XXXX vehicle for {$10000.00} with automatic climate control, the vehicle sold to me was a XXXX XXXX XXXX XXXX with no climate control not stated on the website for {$10000.00}, when I bought the truck it did not come to my attention that the seat reclining handles were missing and the front grill was being held on by zip ties none the less being very immature and irresponsible I gave a {$2500.00} down payment to dealer, somehow the vehicle cost went up from {$10000.00} to {$11000.00}, the dealer stated to tell the financer that it was a XXXX extreme package and he sent a text message to my phone with picture to provide the financers claiming they would not permit the loan for some reason, I have attached both photos of the website cost and pictures sent from a ( XXXX ) area code that is from XXXX the sales man at auto source in banning CA. I still have the original radio and speakers that came in the vehicle, as the pictures he sent have a touch screen radio leather seats, and electric reclining seats, sun roof, chrome handles, and chrome rims as you can see in the first photo the vehicle he took the picture out of do not even have the 4x4 control over the radio as the one he sent me, nothing came with the vehicle as I stated I was young and gullible and went along to make sure I got this vehicle. I got the vehicle this year in XX/XX/XXXX because I had gotten a new better paying job and I've been paying it off every month but 3 months ago my son was born and I lost my job I cant continue to pay for this vehicle, I have had no luck finding work I called Veros credit ( The Loaning company ) and informed them on this situation I asked if they could re-finance the vehicle and they stated they do not re-finance, they offered to postpone payments for two months while I find work but it would still incur interest at about 4 $ a day and that was unreasonable given the circumstances I need a vehicle to find work in my profession but right now I cant get anything even XXXX turned down my resume because I didn't have the " proper qualifications '', I also asked if I gave the vehicle back if they could forgive the debt as I installed {$5000.00} worth of parts and accessories to the vehicle including {$2500.00} for 4 '' lift kit, {$250.00} for a 1 1/2 body lift kit, {$350.00} touch screen radio, {$200.00} back up camera, {$2000.00} for off road tires and wheels, {$200.00} for brand new leaf springs, brake disk, brake pads, and drum brakes, not to mention all the parts I've replaced including but no limited to thermostat, water pump, radiator, clutch fan, power steering pump, spark plugs, oil every 3,000 miles, oil filters, coolant, and power steering fluids. They informed me that they could only take the vehicle in and sell it at auction and I would still owe the left over the vehicle however it does not make sense to give them the truck and still owe 4-6 thousand dollars that still incur interest over time with no vehicle, they also gave me a 17 % - 24 % interest rate even though my credit was at XXXX and my ex girlfriend ( girlfriend at the time ) was at 640-680. The amount charged for this vehicle at that time was not even near the dealer ship trade in cost nor the value of this vehicle as a private party sell. this was the very first vehicle I had ever bought and it was a complete mistake I had just paid off my debt and got into this debt that now I cant afford please advise and help.
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| 01/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I agreed to finance at a 20 % finance rate my finance charge being {$6200.00} and the amount financed being XXXX agreeing to pay a total of {$21000.00}. I paid {$2000.00} down and a total of payments of XXXX, which should have been {$19000.00}. XX/XX/XXXX, I had a loan modification which was to clear any past due amounts and start me fresh ending my loan still at 48 payments just increasing my loan payment to {$420.00}. In XX/XX/XXXX I made my 48th payment and I had paid a total of {$20000.00} not including the $ XXXX down. After my 48th payment Veros credit stated I still owed {$2900.00}. I asked why and they kept giving me different answers and they all didn't make sense. The main answer I was always given was that I had 4 deferments and I said yes but I paid all 4 payments that where deferred within my 48 payments. I escalated this to Veros Credit consumer complaints, stating I believe there was an error and my loan was paid. I was told by XXXX in consumer complaints that more than $ XXXX was put to my interest and I still owed on my Principle. I let them know that there must be a posting error and to please correct the error. I was told it would be investigated and that it will all get resolved. I was extremely concerned because collections kept stating they are going to repossess the truck and I had paid it off. XXXX reassured me Veros will not repossess the truck and that if anything they will extend my maturity date to allow the remaining balance to be paid, but I explained that will not be necessary because we can all see I have paid my loan in full. During this process within a week of my complaint my credit was attacked by Veros multiple times ( more than 3 times ) dropping my score over 250 points, which has to date not recovered. I emailed XXXX and he reassured me that this was an error, on the phone he said he had contacted the credit bureaus the day prior and requested to correct Veros error of attacking my credit. XXXX reassured my credit would be fixed twice. The second week of XX/XX/XXXX I received a letter from Veros stating they concluded that because I did not pay on time every time that I owed them now over {$3300.00} and that my maturity date has been moved to XX/XX/XXXX. On XX/XX/XXXX, less than two weeks of receiving their letter, Veros repossessed my vehicle and the reason was that I didn't pay the monies that I was addressing with consumer complaints. I contacted XXXX in Consumer complaints and now he is not being truthful about everything that he has told me in email and over the phone. My truck is gone now, and my goal is that this doesn't happen to anyone again. Veros Credit are thieves and need to hold accountable. I was prayed on due to having bad credit and now Veros has made it impossible for me to even get another vehicle. Not to mention my credit score is so low now. Please help me stop them from doing this to someone else. I of course wish I could get my vehicle back, but this doesn't look like it will happen. Please help me.
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| 08/21/2018 |
No |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX Called XXXX asking for a defer payment for the month of XX/XX/XXXX. I explained to the customer rep XXXX. I'm unable to pay my XXXX payment due to an unexpected finance I had to invest XXXX to replace my car key. Customer rep said that was not a reason to be placed on defer payment due to not enough resources given.
On XX/XX/XXXX I spoke to another customer service rep XXXX at XXXX in regards to my defer payment for the month of XXXX. I explained to him what cause me to financially not be able to pay my car note the month of XX/XX/XXXX due to me having to pay for a keyless entry key which the atenna broke inside the key panel. Without my keyless entry key I would not have been able to operate vehicle. XXXX verbally mentioned that proof needs to be given for the cost of my replaced key and fax to them. XXXX also verbally mentioned for me to be placed on a defer payment I would have to pay first before I can qualify for a defer payment a " Commitment fee '' of XXXX in order to be granted a defer payment.
I have been placed on a defer payment before with Veros Credit and have not paid a " Commitment fee '' of XXXX. If I'm asking for a defer payment it's because I'm financially not able to pay my car note for the month of XX/XX/XXXX. Veros Credit is still retailaiting against me, and making a situation difficult for myself financially being a single mother. I'm also receiving numerous calls from Veros Credit every day, which is an hindrance on my work performance at work. I am not able to answer calls while I'm working due to the type of work I do.
Do to previous complaints I have filed on Veros Credit ; I still have not recieved an idiomized receipt on insurance Veros Credit has added to my car payment. Veros Credit also mentioned in previous complaint I filed that the insurance that was added to my car payment is added in my contract until I pay off the car. How is it that an insurance policy added to my contract is now attached to my car payment until my loan is paid off? Veros credit mentioned that they were giving me 10 courtsey days after due date on the XXXX to give me time to pay my car payment. Veros Credit already gives a 10 day grace period which does not allow me to succeed with good credit.
Veros credit still has not compromised with myself putting car payment back to the XXXX. My car payment was initially on the XXXX and Veros Credit took it upon themselves to change my due date on the XXXX. I am unable to pay my car payment on the XXXX of each month do to me having to pay rent the XXXX of the month. I have attached an old defer payment that was given from Veros Credit last year XXXX, and I was not charged a " Commitment fee '' of XXXX. I have attached proof of my receipt ; replacing my keyless entry key.
I also have attached 2 days of harrassment calls from Veros Credit employees. I look forward to hearing from someone about my matter that has been on going for 3 years with the unethical values of Veros Credit.
Thank you
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| 07/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}.
On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX and XXXX requesting validation of this account.
I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract.
The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future.
Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due.
XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history.
XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018.
To date I have not received the payment history.
It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.
Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.
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| 11/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.
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| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ].
On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments.
I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that Vero Credit had violated the law by illegally repossessing my car.
In addition to the illegal repo, Vero has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit.
I am also concerned about the predatory lending practices that Vero has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement.
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to Vero Credit requiring the company to pay {$1.00} million in consumer redress and to make changes to its business practices. The order found that Vero Credit had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against Vero Credit alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that Vero Credit made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
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| 06/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX
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| 01/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I purchased my truck in XXXX of XXXX. My finance was offered through VEROS Credit out of Southern California. They offer online payment service for the loan but the online service servicing company changed processing platforms. The platform does not recognize all debit cards or bank cards. The company knows that the system doesn't work. I have submitted over 5 written complaints to the company regarding the inability to pay my bill on time due to their technology malfunction. I have now had a negative report on my credit for numerous payments VEROS considered late. I was told to get cash and pay my bill at a XXXX XXXX with the added service charge from the store. I have also been told to go to a XXXX pharmacy to make the payment or even get certified funds and mail it to VEROS. The distance from my home to any of the aforementioned businesses is XXXX miles and I shouldn't have to pay the added fees nor travel when my contract stated I could make payments online. They call on average 9 to 12 times daily and are rude and menacing. Threats of repossession are made and am told that they can take my vehicle at any time for any reason. I have attempted to contact VEROS management to no avail. The customer complaints department hasn't returned my calls, letters nor emails regarding this issue. The collectors that call tell me they are only involved with " getting the money '' that the rest " isn't their concern. '' I have asked for calls to stop as far back as XXXX of XXXX and the calls continue to this day. I have already received 3 calls as of XXXX am on XX/XX/XXXX after letting them know again last week to cease. I have recorded over 25 calls since I asked last week to have the calls both at work and home stop. These people are relentless and nasty when you answer calls. Their negligent practice has negatively impacted my credit and has cause severe mental duress. The abusive use of their autodialer makes answering the phone stressful.
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| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After checking my credit report after a few years, I noticed a lot of inaccuracies reporting on my name. One of which, is reporting from, Veros Credit, which financed a vehicle under my name but without me being present. After seeing this fraudulent account on my credit report, I reached out to the credit reporting agencies who then told me to reach out to the creditor, Veros Credit. I spoke with many of their employees and even emailed their compliance officer in order to get a response because I was not getting any help or information regarding this issue.
The account I am mentioning and it's details are listed below : VEROS CREDIT LLC XXXX Balance {$10000.00} I requested a consumer contract from Veros Credit and they did provide me with one. Although, the contract was not signed by me. Someone fraudulently signed my name without my knowledge and received this auto loan. I have not used my credit for many years now because of discrepancies on my report and due to debt. Finding out that this account was opened without me knowing and someone used my name and information to sign the contract is unacceptable.
Even after speaking to the representative of Veros who was in charge of helping me resolve this issue, unreasonably concluded not to make the correction on my report. I was told that because the address on my current ID is the same address as the one in the contract, they will not delete the account.
IF SOMEONE USED MY PERSONAL INFORMATION THEN OBVIOUSLY MY ADDRESS WILL BE USED ALONG WITH MY NAME, SOCIAL SECURITY NUMBER, ETC.
That is exactly what Identity Theft is! I ran out of patience dealing with this creditor and am hoping that the CFPB can help me getting Veros Credit to make the correction on my credit report.
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| 10/04/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.
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| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION.
15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.
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 the information is inaccurate.
15 USC 1681s-2 SECTION 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 ( ii ) the information is, in fact, inaccurate.
Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Veros Credit LLC account is charged off and a charge off is a certificate of indebtedness and is considered income and income can not be reported to a consumer report per the law.
Im opting out. Letter attached.
Certificate Of Indebtedness : ( a ) The Secretary of the Treasury may borrow on the credit of the United States Government amounts necessary for expenditures authorized by law and may buy, redeem, and make refunds under section XXXX of this title. For amounts borrowed, the XXXX XXXX issue ( XXXX ) certificates of indebtedness of the Government; and ( XXXX XXXX Treasury bills of the Government.
( b ) The XXXX XXXX prescribe conditions for issuing certificates of indebtedness and Treasury bills under section XXXX of this title and conditions under which the certificates and bills XXXX be redeemed before maturity. Notwithstanding section XXXX ( a ) ( XXXX ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.
( c ) Treasury bills issued under this section may not be accepted before maturity to pay principal or interest on obligations of governments of foreign countries that are held by the United States Government.
Privacy Act Of 1974 : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to XXXX exceptions ]. XXXX XXXX. XXXX ( b ).
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| 04/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My car was involved in an accident on XX/XX/2021. As a result, the vehicle was declared a total loss. As part of the insurance settlement, I decided to retain the vehicle as-is. I retained the now-salvaged car and the XXXX paid me the remainder of the said settlement.
The vehicle had an outstanding balance with the finance company, Veros Credit.
The insurance company paid off the vehicle and since I retained the vehicle, I logically became the legal owner of the vehicle.
After fixing the vehicle, I visited DMV for registering the vehicle to my name, but DMV required an Affidavit in Lieu of Title which would prove the release of interest from the Finance company.
I have been trying to get the Affidavit in Lieu of Title or any other document proving I am in fact the legal owner and can get the car registered. But Veros credit makes it impossible to get the said docs. They keep me in an infinite loop providing contradicting information. They initially said that they have sent the title to the Insurance company. But it later became clear that the address they sent the title to was my old address where I no longer live. Consequently, I have not received the title. They later said they will re-send the document to the insurance company and it is where I can get it from. But on my final call they said an Affidavit in Lieu of Title is an electronically issues document and can not be mailed in actual copy.
As a result, now I have a vehicle that was paid off by me but the finance company in reality refuses to assist me and release the title.
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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A few months ago I sent a letter to Veros Credit concerning excess interest rates on my auto loan and I have attached a copy of the letter below for reference. Veros Credit responded stating, " Claimant mischaracterizes the transaction for his vehicle purchase. Claimant entered into a consumer credit sale for the purchase of his vehicle. XXXX XXXX. XXXX. A credit sale is not a loan or forbearance of money, and is not subject state ususry law. '' I would like for you to investigate this matter further because i'm not satisfied with the response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX VEROS CREDIT , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ATTN : XXXX XXXX XXXX XXXX NOTICE OF EXCESS STATE USURY LAW INTEREST RATE VIOLATION It has come to my attention Veros Credit , LLC has been charging me & excess amount of interest rate that exceeds my state maximum usury law. The Usury Law on interest rates in South Carolina is 8.75 %.
On XX/XX/2021 I opened an auto loan with Veros Credit and I was charged 23.39 %. Im not sure if you willingly or fraudulently or if this was an honest mistake but you have charged me WAY in excess of my state maximum allowable interest rate of 8.75 %. Im hereby seeking full remedy in excess of my state maximum allowable interest rate of 8.75 %. Im requesting all payments made from the beginning to current in excess of my state maximum allowable rate to be paid in full via certified check or money. Please send payment to the address listed above.
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| 12/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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From XX/XX/2018, my account balance with Veros Credit was {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %.
I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now.
When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate.
I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their customers, than they should not be in business.
( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Yes thank you for listening.
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Merchandise was taken back by credit grantor ; there may be a balance due.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.
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| 03/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I contacted Veros Credit on XX/XX/2020, to have my due date changed from the XXXX of every month to the XXXX of every month. The person I spoke to on XX/XX/XXXX was able to change it and confirmed with me that my payments will be due every month on the XXXX, and my next payment will be due on XX/XX/XXXX. Considering the current pandemic, I am out of work from XX/XX/XXXX to XX/XX/XXXX. I tried to contact them numerous times before XX/XX/XXXX so my account is still in good standing, to receive some type of loan relief and extend XXXX ' payment to XX/XX/XXXX, but I was unable to speak to anyone. Today, XX/XX/XXXX I recieved a statement in the mail stating that my account is 22 days past due and now accrued a late fee. I contact Veros same day as I recieved my statement to get an understanding and fix any confusion as well as the late fees and due date change. Veros said they are unable to help to change my due date to the XXXX because XXXX is past due. They then offered to take a partial payment now and the remainder when I start working. I told them I am unable to pay anything right now due to me being out of work. The supervisor then said that he will defer XXXX ' payment to XX/XX/XXXX and I'm going to have to deal with the late fees later down the road. I am unable to pay anything until The middle of XXXX after I start working again, but they failed to understand that and help my situation accordingly.
|
| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage of.
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| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2022 I received 7 auto loan inquires on my credit that I never authorized. I was NOT in the commission of looking for an auto loan at that time.
I did apply at XXXX XXXX XXXX on the XXXX of XXXX and only gave permission to send the loan to 2 banks and was approved with XXXX.
I only work with certain banks and would never approve of having my credit ran like this to unknown financial institutions. XXXX XXXX XXXX had zero permission to do this and I was never notified of this by them. Once I got notified by XXXX I quickly locked my account to stop any further inquires. I believe this was done deliberately to lower my credit score due to the deal they did on the XXXX being sent back by XXXX due to the heavy repairs needed on the car I was sold.
these are the 7 banks/financial institutions that ran my credit without permission that need to be removed from my credit report.
XXXX/VEROS CREDIT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 08/19/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.
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| 07/18/2018 |
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
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Web |
Servicemember |
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On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018
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| 04/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Back on XX/XX/XXXX I submitted a complaint with the CFPB in regards to a company by the name of Veros Credit and included in that complaint was a law firm by the name of XXXX XXXX XXXX, XXXX. and the attorney in question is XXXX XXXX ( bar # XXXX ). XXXX XXXX has fraudulently attached not one but three liens on a property that I have never owned or have ever been the owner of. The house belongs to my father and was purchased solely by him in XXXX. In reference to said complaint I then received a satisfaction of final judgement in the mail from the law offices of XXXX XXXX XXXX, XXXX Keep in mind that at that time there was only one lien on record, but as of XXXX there are three. Not only should the lien not have ever been placed on a property that is not mines and does not nor has it ever belonged to me, but it should've been removed back in XXXX. He needs to be held accountable for his fraudulent actions so I will be proceeding with this matter legally in court and I will also be filing a complaint with the Florida Bar in regards to this matter.
I've attached photo proof showing who rightfully owns the property and I've also attached photo proof showing the three liens on the property with XXXX XXXX as the creditor.
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I recently was offered a XXXX XXXXXXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX XXXX, with the original credit name, dates and amounts.
The compliance department for HR for XXXX XXXX requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX XXXX filing, now showing as new debts in collection for XXXX, be removed immediately!
Those companies are as follows.
XXXX. XXXX XXXX XXXX- {$2300.00}, showing as a current charge off.
XXXX. Veros Credit- {$6700.00}, showing as a current charge off.
XXXX. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item.
I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX repossessed our vehicle wrongfully.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
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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.
Account name : XXXX XXXX XXXX XXXX, Account name : VEROS CREDIT XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.
15 U.S.C. 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.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
|
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Veros Credit along with XXXX XXXX XXXX XXXX The court ordered for my wages to be garnished for a total of {$6200.00} to be paid to Veros Credit LLC.
They are represented by XXXX XXXX XXXXXXXX XXXX
According to my findings, My employer paid out a total of {$6400.00} which XXXX XXXX XXXX XXXX confirmed in the spread sheet that THEY sent me.
That means my employer has paid out {$150.00} MORE than the court 's Final judgment.
On the spread sheet it clearly states that FOUR ( 4 ) payments were sent directly to Veros Credit LLC under payee name and payee address column.
And FIVE ( 5 ) payments were sent FOR Veros Credit to their Attorney 's office. Again, all listed in the spread sheet that THEY sent to me.
I've attached the court document where the court specifically states the following : " Payments are to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX As of the XX/XX/2022 they garnished an additional {$460.00}.
That equals a total garnishment amount of {$6800.00} and a new OVER PAYMENT amount of {$610.00}.
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Follow up to closed complaint No. XXXX, I have requested that Veros Credit provide justification for unexplained balance of roughly $ XXXX. No justification, nor policy has been provided nor has Mr XXXX or anyone in his department responded to my legal representative XXXX XXXX. XXXX XXXX as well as myself have concerns of misconduct and intentional mishandling of my account and payments being applied incorrectly. The payments have been inappropriately applied to interests in amounts exceeding 400 dollars in some payments. I request that Veros Credit remove all derogatory marks dating back to XXXX of XXXX. Final payment of the the four deferred payments will be made no later than XXXX, this will leave Veros Credits unexplained and unjustified remaning balance of roughty {$1400.00}. Veros Credit continues to duck contact from my legal assistance representative XXXX XXXX. Several attempts to contact via email, mail and fax have been made with no response. I'm currently on XXXX and this ongoing issue with Veros Credit has been made known to my command stateside.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
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Web |
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On XX/XX/XXXX I bought XXXX XXXX XXXX From them everything seemed good until I was about to install a CD player came to find out there was a second layer of Dashboard I started looking further and realized there was a sheet of plastic glued on the Dashboard I took it off and the complete dash was broken I reached out to the sales rep he said we will fix it and then to reach out to service manager. I called him he goes I told the sales manager that do not sell the truck like this no one will like it let me call you back I said OKAY and they never called back I went to the dealership and try to get my truck fixed the manager cursed me out and threaten me.
XXXX XXXX who financed my car is there XXXX company registered in different state but mailing XXXX XXXX XXXX is XXXX XXXX. I asked the Loan officer who was funding the loan not to do it as i found the mechanical problem but they still went ahead and did it..As this was an inhouse deal so they know what they where doing this is Fraud and Scam with the Consumer
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am going through a matter with Veros Credit from which I was loaning a car from them. My account has been closed since 2016. I had been receiving letters stating that they would be taking me to court about this matter in which I have also still be receiving harassing phone calls from them as well. I went and made a report onto the XXXX XXXX XXXX complaint website in which Veros responded and I did not agree. I would say maybe a week couldve been a few days or so Veros added negative remarks to my credit which caused my points to significantly drop. I have noticed that this is I fear retaliation because I have made the complaint I have proof that they have not been submitting or adding remarks or anything to my credit for some time so I feel all of a sudden I complain they have been going out and adding negative remarks to my credit. I contacted Veros and which I was basically told as long as they have my social and I have a account with them they are able to report and do whatever as they please.
|
| 01/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT.
As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday.
As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.
|
| 07/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I sent over my initial dispute in XX/XX/2021 second dispute sent, XXXX of XXXX by certfied mail. ( i have receipts ) XXXX removed the fradulent debt. Then veros credit reported it back to XXXX along with XXXX and XXXX with no notice from either credit bureaurs of it being added back to all three of my credit reports. Which i know this is called reinsertion, and it is a violation of the Fair Credit Reporting Act. XX/XX/XXXX i resent a dispute informing them of my identity being stolen for many different accounts reported to my credit file. I attached a police report, with my Social security card and the dispute. Veros credit responded by no validation of debt, on how the debt belonged to me. They requested for me to send a police report, in which i had already attached with the letter in XXXX, my Id and Social. So i am reporting them for violating us title 15 1692g.1692e plus my consumer rights and ackowledgement of the identity theft reports already sent.
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle.
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}.
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered.
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
|
| 06/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved.
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.
|
| 12/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX of 2023, my younger brother XXXX XXXX XXXX ( XXXX ) leased out a car with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX United States ) XXXX, my twin brother XXXX XXXX XXXX XXXX XXXX ) cosigned for XXXX 's XXXX. XXXX used his information and on the paper work of XXXX XXXX XXXX the information written is accurate, but when Veros Credit XXXX financing company ) input the information on their end somehow my social security number was used instead. I was not present nor did I sign/know that XXXX was getting a vehicle. I wasn't notified about this purchase until XX/XX/2023 when I checked my credit report. I have tried contacting Veros Credit to resolve this situation but they just tell me I have no access because my name is not linked to any information. This has caused my credit to drop drastically and caused a lot of damages include getting out a car loan, apartment loan, school loan, and emotional distress.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.
|
| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On XX/XX/XXXX I was sold a XXXX XXXX by XXXX XXXX XXXXVerdis credit, that unknowing to me had a bad transmission that the dealership refused to replace after it went out in only 8 months into the purchase. I was force to pay a {$2500.00} down payment on the same vehicle, even though I received total financing for the vehicle. I was also forced to purchase insurance on the same vehicle before being allowed to leave the car lot. I believe that XXXX XXXX XXXX along with Veros credit knowingly deceived me in my buying process and forced me to pay moneys that were already allotted. I was charged late fees and the vehicle was repossessed in retaliation of my request to have the vehicle repaired. They also failed to explain the complete purchase contract in accordance with the Truth in lending Act. They violated Title 15.1635 ; 1605..
|
| 12/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been neglected by a credit loan company goes by the name of Veros Credit LLC I applied for a car loan and purchased a used car in 2018 Upon getting close to the end of the loan unfortunately I been involved in a car accident and because of that reason the company and me had to submit a settlement reducing the amount owned from XXXX to XXXX lowering my payment from {$510.00} to {$200.00} a month unfortunately I noticed later that I continue losing credit score as the account continue to stay open when the finance manager did a the settlement to close the account but they aren't reporting the credit Bureaus about the settlement or about the account been closed they have the account open at XXXX when the settlement is only owe XXXX and this bringing negative activity and so I keep losing credit score
|
| 12/07/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.
|
| 09/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know.
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals.
ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}
|
| 12/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts are not mine but is reflecting on my credit reports.
XXXX XXXX XXXX # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
|
| 07/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
During the time I had signed the lease agreement which was XX/XX/2021 until today 's date XX/XX/2021 i had conceived the virus known as XXXX twice and had informed the company ( veros credit ) that I would be unable to make the payments on time. They had not only harassed me the first time only after 40 days but had also called me before the hours of XXXX and after the hours of XXXX multiple times ( pictures of phone logs in XXXX ). They have also called me from various numbers not associated with the company itself that I was aware of. I would like some restitution as well as some emotional distress damages that were on my son seen as the phone calls at XXXX and on not only woke him up but also caused him severe emotional trauma when he was jolted awake by the continuous calls.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts are not mine but is reflecting on my credit reports.
XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result.
I sent them an Affidavit of Truth on XX/XX/XXXX. That did not yield any positive results, so I resubmitted on XX/XX/XXXX by certified Mail # XXXX XXXX XXXX XXXX XXXX a Notorized Notice to Cease and Desist, an Affidavit of Truth, and a Certificate of Service all of which are copied originals in my possession.
None of this has been acknowledged by Veros Credit. My last communication from them has been a cartoonish Verification of Debt, which I did not ask for.
|
| 10/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt is not mine.
This company has been harassing and reporting negatively on my credit report.
I did not give this company permission to use my social security number or to give it to other third parties.
The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
|
| 12/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I purchased a used vehicle in XX/XX/2019 at an asking price of XXXX. My initial down payment was XXXX cash and my rate of interest is 21.9 % I have payed a total of XXXX on this loan and my current balance is XXXX approximately. I have recently noticed on my billing statement that the interest amount being deducted from the monthly payment is higher than 21 % which takes away from the principle. My statement show that they're taking upwards of XXXX $ out of a XXXX $ monthly payment and even at 25 % interest this should be no more than XXXX $ from XXXX $ this is simple mathmatics. The company is Veros Credit XXXX and this has been occuring since XXXX of 2019 when this vehicle was purchased.
|
| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am the co-signer on a vehicle leased from Veros credit. They have been calling me for several months stating the car note is behind by 2 payments. I have spoke to some one twice this week ( XX/XX/23 and XX/XX/23 ) and asked them to repo the vehicle. First guy I spoke to stated I am the primary on the account but I don't have say so if the vehicle can be repoed. Which does not make any sense at all. The second guy I spoke to stated, " they just want their money, they are not going to repo the vehicle and they will continue to call me. '' They still continued to call that same day. They call more than 10 times a day. I woke up today ( XX/XX/23 ) to 9 missed calls all within 1 1/2 hours.
|
| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with VEROS CREDIT. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 04/06/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report.
I have attached all supporting documentation.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Car installment loan with Veros Credit and XXXX XXXX in XXXX NC.
XXXX XXXX sold me a car they knew was not going to work, when the check engine light came on after a week of the purchase I was told that the vehicle had patch work done and the car salesman also pressured me into getting an extended warranty. They sold me this vehicle under false pretenses, I reached out to veros credit numerous times and they are not trying to fix this problem. They have repossessed the broken vehicle 2 times, and refuse to hold the car brokerage accountable for selling me a car under a fictitious sale, they knew this car was going to mess up. It didnt even last a month after purchase.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account number XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a- Definitions ; rules of Construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
|
| 01/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment.
Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX
|
| 12/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!Â
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
|
| 05/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.
|
| 12/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.
Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.
|
| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
|
| 08/30/2019 |
No |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.
|
| 08/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller.
I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation.
I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer.
Seeking assistance to solve this issue and get my car back.
Thank you
|
| 07/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
VEROS CREDIT Account number XXXX ....
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company have improperly made errors on my credit report causing me to have a horrible record with my up coming purchases It has been causing me so much I reached out to the company to see any advise and they ignore my request 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 01/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.
|
| 12/24/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX.
I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.
|
| 09/03/2022 |
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
|
|
Web |
|
|
XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, VEROS CREDIT WICH THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
|
| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On the start of XXXX i paid XXXX then on XXXX I did the same XXXX ... on XXXX I arranged a payment date with them that I was going to pay my car a couple days late ... they agreed and came to pick it up saying I had 3 months without paying it and it was a lie They charge extra fees then they can't explain why. I choose not to get the car. They reported XXXX to my credit and they are just lying my ending balance was XXXX! This loan place does nothing but rob people out of there money they shouldn't be in business any longer and
|
| 05/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off my car loan over two months ago with a settled for less agreement and veros credit told my I would get my title in about two weeks. I called them several times after that two weeks had passed and they would tell me different stories such as the title is in the mail or that they forgot to send it. A few days ago they finally tell me that they hold titles for at least 180 days after final payment. Thats illegal and unethical and I need the title that legally belongs to me to be able to register my vehicle now.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account name : Veros Credit XXXX : XXXX Dated : XX/XX/2016 I have reached out to company asking if they can update information with credit bureau and they have given no response and or any accurate updated information to credit bureaus. This account was paid in full by another parties insurance company due a at fault accident on the other party. Contacted company multiple times on and after ( XX/XX/XXXX of XXXX date of accident ) and have not got any resolution and also have attempted numerous times with
|
| 10/08/2021 |
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
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 09/11/2018 |
No |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I got financed for a used vehicle that totally broke down after a month of getting it.
I volunteered to get it repoed. They cussed me out and continued to threaten me to pay on it even though I couldnt drive it and said they arent going to put it as voluntarily.
The remaining balance is incorrect. All the numbers are incorrect.
They continue to bash my credit month after month after closing my account. They wont talk to me and keep hanging up on me. Its Veros credit.
|
| 11/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information
|
| 07/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
|
| 09/12/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My car 's been towed by repo. So I tried to make payments and get my car back.
Then I made the payments a week ago from now, and agreement with 2months extension, but I did n't get my car back yet.
Now I try to call to them and talk about this, but they do n't answer.
After read the critical reviews about that company 's services, I 'm sending this complain to CFPB because now I 'm so confused what I 'm gon na do.
|
| 09/24/2021 |
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
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
|
| 01/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
|
| 06/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
|
| 05/02/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have made several attempts to get information on the whereabouts of the vehicle. I was not provided with. **When was it sold? **What is the amount of the sale of this vehicle after I surrendered it? **If there is a deficiency, why was it sold for less than the amount owed? I have sent out a letter to the original seller on XX/XX/2022, & XX/XX/2022, with no response
|
| 05/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Veros credit collector XXXX XXXX has repeatedly contacted me at work despite being told numerous times not to. I have told them verbally and in writing to not call me at work and to not contact my employer. They have continued to do so. I had verbally told them in XX/XX/XXXX, then in writing on XX/XX/XXXX. The final and more recent time was XX/XX/XXXX.
|
| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Ask them to send 1099c since it was written off and they was paid thru profit and loss. The debt is now income and must send a 1099c now thats its taxable income which is not reported to bureaus. Also could I get where I signed to have my credit reported by them. Because their LLC is different from car dealer. Id like it in writing and also the 1099c
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am truly a victim here.
XXXX collection XXXX XXXX XXXX Veros credit And over XXXX inquires This is stopping me from getting my home.
I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor Veros Credit XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
your making my credit score terrible and the info you have is incorrect and not true i was in XXXX during those years wrong person my info was used before also i just recently found out for multiple things that are not me .that are affecting my credit negatively please erase your remarks on my report thankyou
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This derogatory mark on my credit report.Upon further research this account was transferred/sold and I am no longer responsible for the account.Debtors creditor did not verify this collection.According to the FCRA my rights have been violated and Im requesting legal action to remove this account immediately.
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased the vehicle from Veroes credit in XXXX of XXXX, paid it off in XXXX off in XXXX of XXXX.
There is a note on my report showing that there was a repo in XXXX in XXXX of XXXX, the same day i bought the vehicle.
I just want it deleted from my report.
Still have not receive my title.
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this.
want to REMOVE myself
|
| 07/24/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.
|
| 04/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
|
| 05/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed
|
| 08/20/2021 |
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
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
|
| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
|
| 10/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
First the vehicle was unlawfully repossessed because of the repossessors broke into a garage in order to do their job secondly the vehicle was auctioned at what appears to be about {$2000.00} to cover an {$18000.00} debt
|
| 06/23/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/2018 A fraudulent loan was opened by Veros Credit in my name for a vehicle. I have informwd Veros Credit that this loan is a result of identity theft and have sent them identity theft documentation.
|
| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Based on Veros Credit response in CFPB Complaint ID XXXX, As dated, XX/XX/2023, I, XXXX XXXX XXXX have no choice but to sue you. In addition, I will follow up with an opportunity to cure. Thank you!
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX XXXX
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i was pre approved, approved, for multiple vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
|
| 10/12/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have notified the following companies : Veros Credit and XXXX regarding fraudulent accounts reporting on my credit report. No response by either company.
|
| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
They dont ever put the APR on the statements so I have no ideas what rate Im paying. Also the amount that goes to the principal is never consistent.
|
| 06/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real XXXX
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someon have commented inquirys along with fraud on my account and want justice from my pain & suffering + headache.
|
| 11/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I never authorized this company to run my credit bureau reporting on XX/XX/2018
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hard inquiries that I would like to please remove from my credit report.
|
| 06/06/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ask for validate this debt, have not receive any documents thus far.
|
| 06/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ask for debt to be verified, not given any documentation thus far.
|
| 12/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
was approved for auto loan and never recieved the money.
|
| 12/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
loan denied and honor the truth in lending act
|
| 04/11/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is unfit
|
| 01/28/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 03/08/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 12/06/2022 |
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
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 10/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 06/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/03/2022 |
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
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
|
|
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2021 |
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
|
|
Web |
|
|
|
| 11/18/2021 |
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
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/02/2021 |
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
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 05/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/11/2018 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/11/2018 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/15/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/22/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/01/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 10/28/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 10/04/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|