Vision Financial Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/24/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75228	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX XXXX {$390.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/08/2016	No	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	WA 98092	Web
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,
04/08/2016	No	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	WA 98092	Web
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,
08/06/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 485XX	Web
I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.
06/08/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over 3 months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
04/30/2015	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	WA 98133	Web
I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.
05/29/2015	Yes	Consumer Loan Title loan	Can't contact lender	CA 95133	Web
Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? Vision FinancialXXXXXXXX # XXXX
05/07/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MD 21043	Web
A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.
04/15/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MA 02130	Web
Caller keeps calling multiple times Daily from different numbers with same area code of XXXX ( Massachusetts ). Does not state company name or purpose of call. Continuously asks me for my social security number and to verify the last XXXX digits of my social that they have on file and my address. This is not the normal behavior of a debt collector. I 'm scared and feel as if these people are trying to steal my identity and keep Harrasing for my social security number and personal info.
02/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 978XX	Web
Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number.
07/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53223	Web
This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me.
01/20/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 07018	Web

03/02/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OR 97355	Referral

03/02/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11103	Web

02/24/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70785	Web

11/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IN 46392	Phone

09/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CT 06320	Web

08/26/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55369	Web

08/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 55369	Web

07/17/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NJ 08234	Web

05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Referral

05/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AR 72019	Web

04/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Postal mail

03/08/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80003	Web

03/04/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web

03/03/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 38574	Web

02/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38017	Web

12/23/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IN 46268	Phone	Older American

11/14/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 17241	Web

11/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	AZ 85283	Web

11/05/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NE 68128	Web	Older American

10/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 34759	Phone	Older American

10/08/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	OR 97023	Phone

09/17/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37745	Web

09/14/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60445	Web	Older American, Servicemember

09/12/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91607	Web

09/11/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33313	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web

09/04/2014	No	Debt collection Credit card	Communication tactics Threatened to take legal action	OK 73701	Web

08/26/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95838	Web

06/30/2014	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60062	Web

06/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80921	Web	Servicemember

06/06/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93793	Web

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80916	Web	Servicemember

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80908	Web	Servicemember

06/03/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75232	Web

06/03/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75232	Web

05/14/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 94531	Web

05/12/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92618	Web	Servicemember

04/30/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PA 16130	Web

04/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60475	Web

04/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75080	Web

04/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08805	Web

04/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76522	Web	Servicemember

03/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55337	Fax

02/19/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75089	Web

01/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	WA 98021	Web	Servicemember

01/04/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MI 48192	Web

12/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07601	Phone	Older American

12/03/2013	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	SC 29657	Web

11/22/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11209	Phone

09/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 44706	Phone

08/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	VA 20171	Web

08/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30017	Web

08/02/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77566	Web	Older American, Servicemember

07/26/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91301	Web

07/13/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WV 25265	Web	Older American