Wallace Management Company, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	OK 73507	Web	Servicemember
On XXXX, I went into State Finance in XXXX to get a loan. I was approved for {$500.00} and the payoff was around {$750.00} or so. I got into a bind due to court with my ex and other life events happening, but I told them of my circumstances and why I haven't been able to pay. At times I have told them I could pay a portion or half, and they would NOT accept it. They said I could not pay that, that I would have to pay it ALL. XXXX, whom I was speaking to, told me she saw on my XXXX that I had been going to concerts and traveling, so " what am I doing with all of my money? '' and I " should be able to pay ''. Much more came from her, but that was what I was seriously stuck on... First off, she is not on my XXXX, so she is quite literally stalking me at this point. Secondly, I didn't pay for any of that. I have amazing friends who knew I was going through a rough time and needed a break. I asked to speak to her manager and told her that that was extremely unprofessional and to never let her speak to me again. I absolutely refuse to speak to someone who thinks its okay to speak on her assumptions about me and my life when it is supposed to be a professional conversation. The manager said she would " talk to her about it ''. Well here I am, again being harassed, but this time my co-workers are getting call after call by them. They told a co-worker of mine ( who isn't a manager ) that she needs to speak to HR about garnishing my wages. Online payments can be taken at any amount over XXXX XXXX, so I am not sure why they are telling me rudely that they can not accept partial payments. It seems weird that a loan company would deny taking my money. I don't believe this is normal for a loan company to be acting this way. Do they normally tell all of your business to random strangers on the phone? I have honestly never dealt with a loan company so extremely unprofessional & trashy in my life I am late {$200.00}. All of the harassment, rudeness, and stalking over {$200.00}.
05/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 620XX	Web
I had a personal loan at State Finance in XXXX, IL, which is affiliated with Wallace Management. I always make my payments on-time ( within the 10-day grace period ) and most of the time I always paid extra. I was wanting to pay off this loan early, so when I spoke to the representative on the phone on XX/XX/XXXX or XX/XX/XXXX I asked what the pay-off amount would be as of Friday, XX/XX/XXXX. I said I would have to drop it in the night drop on Friday, XX/XX/XXXX after work as they would be closed by the time I got back into town. The representative provided me the amount and stated that would be fine. I received a call today, XX/XX/XXXX, stating I still owe them {$10.00} for a late fee. When I asked what the late fee was for they told me that my payment did not get processed until today ( XX/XX/XXXX ) since they decided they were going to be closed on Saturday, XX/XX/XXXX. I asked when they decided they were going to be closed on Saturday, XX/XX/XXXX and the lady stated they made that decision on Friday, XX/XX/XXXX around XXXX XXXX I am not sure how I was supposed to know that as they did not contact their customers to let them know. She stated there was nothing they could do about the {$10.00} late fee since it was " out of their hands. '' This could very well be out of their hands ; however, it should be management 's responsibility to provide appropriate customer service to the customers. When I told the representative I wanted to contact management, she stated they would not do anything and the only thing they would say is that technically my payment was due on XX/XX/XXXX so I should have had it in there then. They stress to you when you take the loan out that you have a 10-day grace period. If loan payments are due on the actual day, they should not offer a grace period. I know this is only {$10.00} ; however, there is a principle here. As much as I would like to be, I am not clairvoyant, and I do not think any of their other customers are either.
01/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 383XX	Web
I went into XXXX XXXX XXXX here in XXXX, TN on XX/XX/2018 at XXXX to start a loan and was greeted by one of the Companies Loan Reps ( XXXX ) who assisted me with opening my loan. While filling out the paperwork for the said loan I asked the Rep if they reported to the credit bureaus which her response was Yes They Do which is also posted on their website that they take out a loan with them helps you build your credit. After making two payments on time I went to check my credit and seen no trace of the payments I had made on the account, I didn't even see where they had ever checked my credit score. After this discovery, I stopped payments and went to the office and was met with a hostile employee and which branch manager XXXX XXXX had to send out of the office to allow us to talk about the account. She informed me that they were switching credit companies and she couldn't go back and apply my first payment to my credit report but that the next payment would go on to my report and thereafter. After making another payment on the XX/XX/2018 of {$65.00} still, it never was reported. I returned to the Branch again to speak with The Hostile Rep who tells me that she doesn't know what's going on and that it should be on there to no avail ... I stopped paying the loan what is the point of paying for a service I am not receiving and I was lied to numerous times as to what was going on. I was happy to pay the loan until What was advertised was not Delivered. I was paying to have my credit built and told XXXX and The Branch Manager XXXX that the whole reason I was opening the loan was to Build My Credit. Then after I stopped paying them I have received letters about Legal Actions and Picking up my security items. My question to this company if doing business by falsely advertising what you are and what you can offer your customers how you practice business?
07/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 359XX	Web	Older American
My complaint concerns harassment and unfair debt collection practices by Liberty Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. I've done business with this company for 2 - 3 years and I always paid on time. Recently, due to being diagnosed with XXXX XXXX XXXX XXXX XXXX, I had unexpected medical copays, as I do not have a XXXX XXXX XXXX. I am XXXX XXXX XXXX at at the time I opened the account, my only income was Social Security. As a result of the unexpected medical, my account fell behind. XXXX and XXXX, the office staff of Liberty Finance, refused to work out a reasonable solution on the payment schedule and as a result, my account was written off and went into collections. I was continuing to make payments, but my payments were less than the established monthly payments, due to my circumstances. They refused to work out a reasonable payment schedule with me. I have since taken on a part time job, although I am not physically able to do so. I am struggling. I began making weekly payments. I call them, or tell them in person, when I will be in each week and appx. how much I will be able to pay. My complaint is that I continue to receive harassing phone calls from particularly XXXX. She calls me even when I am at work, although I've told her the day I will be in to make a payment. She calls me on that day, in her words, " just to be sure I'm still coming in. '' This is excessive. She should wait until the next day should I fail to make the agreed upon payment on the agreed upon date ; but instead, she calls me on that same date. This is unnecessary and exhibits unfair debt collection practices and constitutes harassment. Still, they are refusing to establish a workable payoff payment schedule. It is obvious XXXX and XXXX do not know how to manage a consumer loan office and should be reprimanded.
10/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	MO 630XX	Web
XXXX XXXX sent a live check guaranteed loan offer that promised reporting to credit agency 's. I have been trying since XX/XX/XXXX two months after opening account, to get them to do this. XX/XX/2018 I was told by the branch manager if I renew my loan, " it will definitely be reported. '' My response to her was, " It should definitely already been reported 4 months ago. '' On XX/XX/2018, the branch manager called me and informed me I had to call XXXX and file a dispute so they ( XXXX XXXX ) can do what they needed to do. These people obviously have no idea what they are doing or don't care they do not fulfill their end of the agreement. They checked my credit without my permission creating a hard inquiry. I have requested this be removed. The offer was not a pre-approved offer, by it being guaranteed they already had all the information they wanted and needed when they did a soft inquiry on my report in XX/XX/2018. Consumer regulation allows for a credit check for the purpose of underwriting, this company already had the loan offer underwritten, which is why a hard inquiry is not allowed after the fact and especially without permission or knowledge. They claimed they submitted the request for the removal of the hard inquiry but they had not because I called XXXX and had filed a dispute, had they filed it already, I would not have had to file. They have not responded to XXXX as of XX/XX/XXXX because it is still on there.
09/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 747XX	Web
I received a loan in 2018 from Dixie finance in XXXX, Ok. The manager for Dixie finance I believe her name is XXXX. She harasses and threatens her customers. She has harassed me at my workplace and when I spoke with her she raised her voice and began to speak to me like a dog. Very degrading and disrespectful. She has chased people down in the grocery store or XXXX after working hours. She has sent them threatening messages on XXXX. She is very unprofessional and rude. She says she is out " collecting '' but I have seen her out shopping or at home. I've tried to pay her a lesser amount than what I owe & she refuses to take it and demands the full payment being very hateful & rude. I will not go back in there and pay my loan until she no longer works there. I refuse to continue being belittled by her.
11/30/2018	Yes	Money transfer, virtual currency, or money service Money order	Problem with customer service	TN 383XX	Web
I checked my credit report on or around XX/XX/2018 and noticed XXXX XXXX in XXXX TN had put a hard inquiry on my credit recently and one in the past. NEITHER INQUIRIES WHERE AROUND THE TIME OF MY CHECK CASHING. I called the office and asked why did they do this and she informed me that she was doing it to find my other creditors to call them to inform them of my account with them and to make my credit suffer from the hard hits. I did cash a check from them but the information was misleading and I did not consent to any credit check. The check was received in the mail as a preapprove offer. I have been cursed out and harassed by this office, and I need it to stop.
06/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 73135	Web
XX/XX/XXXX I received call from Empire Finance in XXXX Ok, Manger XXXX call to my Job. XXXX XXXX spoke to co-worker asking for me, but I was with customer at that point. so, I called empire finance in XXXX spoke to XXXX told her I will make payment on XX/XX/XXXX plus i may file Bankruptcy soon due to financial. So, XXXX said I have to do what I need to do, then hung up. Then XXXX call back to my Job XXXX XXXX in XXXX XXXX asking for Human Resources Department number for garnishment. So, I explained to XXXX that she can't call my work since I didn't authorize to call work. XXXX said she will just call another office to get that information.
02/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 65775	Web
Hi my husband and I both took out a loan at Empire Finance in XXXX XXXX MO. We got behind on our payments and they started calling our contacts which was fine until my niece called me and let me know that when they contacted her they were sharing how far we where behind, how much we owed, and how much our loans were for. Then a few days later my brother called us with the same information. I don't believe they are allowed to give out our personal information it has caused a lot of embarrassment and awkwardness in our family now. Could please look into this matter and stop this from happing to anyone else.
09/16/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NM 88310	Web
XXXX at Liberty Finance has been very rude. Has called me 2-4 times a day regarding payment. Before her there was a man name XXXX and I had asked not to be contact through references and they had put it on my file. Today XX/XX/XXXX they called my references after I had already let them know not to. I have had a rough time since my husband and son had XXXX and was unable to work for a while. I did let her know I will contact her when I can make a small payment. She was very rude and said she will keep trying to call me after I told her not to call me or my references.
04/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 356XX	Web
I called Liberty Finance in XXXX Alabama today, to try and defer my payment just 1 month due to the Coronavirus outbreak and my job being at risk of shutting down temporarily. XXXX told me that they were not doing that and couldnt do anything to help me besides waive my late fees. This is a national pandemic. I am shocked. I have always paid my Bill 's on time and now when I need their help the most the company flakes on me and tries to get me to use the money that I've already paid and reopen another loan which is ridiculous.
04/27/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	XXXXX	Web	Servicemember
RESPECTIVELY SIR SIR I HAVE THREETY YEARS RELATIONSHIP WITH THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX SEVEN YEARS ASSOCIATED WITH THE XXXX XXXX XXXX XXXX XXXX XXXX, SIR I AM XXXX STUDENT OF XXXX XXXX XXXX SCHOOL CONTINUES YET N CURRENTLY IN STUDY ENGLISH LANGUAGE AT XXXX XXXX, SIR KINDLY ALLOW ME TO PERFORMANCE WITH YOU AND GRANTS ME SCHOLARSHIP, SIR I SURE U THAT I WILL PERFORM DUTIES WITH LOYALTY, THANKS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
12/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 64836	Web	Older American
I applied for a small loan of XXXX. I had to unfreeze my three credit reports to do so. They asked if I had a spouse if I had someone living here or if I would have someone living with me. Asked me if I had children or would have children living here. Ask about all my bills I pay each month and how much. They asked if I had food stamps. I said yes. They asked how many food stamps. Then asked me how much of my money did I use to spend on food at the store each month.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77067	Web
I CHECKED MY CREDIT REPORT AND I SEEN THIS INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE A IDENTITY THEFT ALERT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO MAKE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL nquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
04/19/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 65804	Web
XXXX XXXX from Empire Finance in XXXX Mo., trespassed on my property and threatened to report me to XXXX XXXX XXXXXXXX for unearned income on XXXX18, for an amount that I borrowed for {$460.00}. They have also harassed my XXXX year old mother regarding my debt. It was so humiliating due to my roommate who was sitting on the couch that I ended up in the E.R. due to a XXXX XXXX.
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21401	Web	Older American
This account was a included in my bankrupcy dated XXXX XXXX. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
08/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64836	Web
Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX at XXXX XXXX
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TN 37128	Web
I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.
11/28/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	OK 730XX	Web
This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources
10/20/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 350XX	Web
I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.
11/13/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	MO 650XX	Web
Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.
12/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 73533	Web	Servicemember
Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 647XX	Web	Older American
Empire Financial Lending of XXXX Missouri They sent me false advertisement a post card that said they will lend money adding their {$50.00} dollars just to earn my business They had XXXX thrown me under the bus to lowered my credit score and ruined my motivations to invest
12/16/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 734XX	Web
I received a loan from Empire Finance in XXXX, Oklahoma. During the collection process, a representative has called me from her personal cell. She has also called and left a voicemail on my work phone number.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 88012	Web
Today, XX/XX/2021, there is a hard inquiry on my credit report from Wallace Mgt-dixie Fi Personal Loan. I have never applied for a personal loan with this company and need this removed from my credit report.
03/08/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 730XX	Web
The companies are Empire Finance and XXXX XXXX XXXX XXXX XXXX I have been paid out on my loan since XXXX 2016 and it is showing on my credit report account is still open with a XXXX balance.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 731XX	Web
Im trying to buy a house & I realized I had damages on my credit report. According to the 15 USC 1681 Law. There should not be any damages in my report is a defamation of my character.
05/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 74501	Web
I only borrowed {$300.00} and have made 8 payments of {$75.00} and they are saying I still owe {$150.00}. I don't think its right. All American Loans located XXXX, Oklahoma
01/26/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	LA 70517	Web

01/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	AR 727XX	Web

11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	MO 64836	Web

01/25/2023	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	CA 91109	Web

06/29/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web

05/11/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75901	Phone

05/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 64804	Phone

04/10/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 65809	Web

01/25/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 65705	Web

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35226	Web

08/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	OK 74136	Web

03/16/2020	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	OK 74048	Web

04/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 73703	Phone

09/28/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 35950	Web

01/30/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan		Phone

12/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 65807	Web

09/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NM 88130	Web

10/22/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64836	Web

08/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 73505	Web