| 12/05/2022 |
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 initially began using Koalafi in XX/XX/2022, and have had countless problems with them. I needed major car repairs totaling {$910.00} on XX/XX/2022. Since I couldnt afford the total out of pocket, I was recommended to use Koalafi as a financing option because they have both XXXX and 24 month lease options. When I initially filled out the online application, I specifically selected a 24 month lease option with a single monthly payment of {$82.00} on the XXXX of every month. When I received my loan documents, I signed the document for a 24 month lease option with an approved monthly amount of {$82.00}. On XX/XX/2022, Koalafi auto drafted my account for {$82.00} which is the approved amount. On XX/XX/2022 I received a notification from my bank stating that Koalafi was trying to auto draft another payment of {$82.00}. I immediately put a stop payment on this charge, as it was unauthorized, and proceeded to put an alert on my bank account to not allow any payments to be taken from the account by Koalafi as I would be calling in the payment monthly.
As soon as I corrected things with my bank, I contacted the customer service department at Koalafi to find out why they were auto drafting an additional payment. When I had the customer service rep pull up my account and contract, they informed me that my lease option was for XXXX months at XXXX payments a month and not for XXXX. I obviously refuted this because that was NEVER the lease option that I signed. When I tried explaining this to the first person I spoke to, they simply kept telling me that I signed a XXXX month agreement and that there was nothing that could be done to change it. I proceeded to tell them that I NEVER signed a XXXX month agreement and that I would NEVER sign an agreement for XXXX months as I simply cant afford {$160.00} a month. I continued to ask how and why my lease option was changed without my knowledge or approval, and the representative just kept reading whatever agreement he had in from on him. I then requested to speak to a supervisor or someone that could help me cancel whatever XXXX month agreement they had me on and put me back on the initial XXXX month agreement I had originally signed. He then transferred me to a supervisor, XXXX, who simply just kept reading the incorrect agreement and stating there was nothing he could do. He told me that only the auto repair service provider is allowed to request changes to a contract and that I needed to have them contact Koalafi Business directly.
After I spoke to XXXX, I immediately called my auto repair provider and informed them of the situation. XXXX at XXXX XXXX XXXX called Koalafi Business that same day and informed me they told him that I, the customer, am the only person allowed to request changes. The next day, XX/XX/2022, I called Koalafi back to let them know that my service provider called to request a change back to my original lease term of 24 months, and the second representative proceeded to tell me that XXXX XXXX is not able to make those changes, only the customer can request that. I then proceeded to request a cancellation of the XXXX month lease so that I could resign a XXXX month lease option and the representative said they arent allowed to do that. I then asked to speak with someone who can authorize a contract change and the representative proceeded to tell me that Koalafi cant do it. I then asked to speak a manager or supervisor that can assist in changing my contract and they transferred me back to XXXX who proceeded to tell me the exact same things as he did the day prior. XXXX also informed me that he would put in a request to have a case manager review my file and they would call me in XXXX business days. THEY NEVER CALLED.
I called Koalafi AGAIN on XX/XX/2022 to follow up on the case as I never received a call from any case manager or anything. The initial representative, XXXX, I spoke to on the phone informed me that a case manager supposedly looked into my account and determined that I could not change my lease terms. I then proceeded to ask how and why my lease got changed in the first place and, like the other reps, XXXX had nothing to say except that I had signed a XXXX month lease term, which I NEVER actually signed. When I asked why a case a manager never called me, he had no answer. First he told me that the case manage cant make lease changes. Then he told me that if they deem it necessary that they can change the contract, yet my total of {$910.00} didnt qualify for the XXXX month lease option to begin with even though it completely did as that is what I signed the initial contract for. It became clear in that moment that I was getting the run around and that no one was willing to help me. I then asked to be transferred to a supervisor or manager that could assist me as I know contracts can be cancelled and reformulated fairly easily. XXXX transferred to me XXXX who simply kept telling me to send in the originally lease document and that, after review, they could make changes. I told XXXX that I would send the document if I could find it, and I requested documentation that my account was not in default and that my standing with the credit agencies is fine. He informed me that even if they receive the document, they may not be able to make changes. Obviously he was contradicting himself in his own statement and I called him out on that. I proceeded to ask him if there could have been a technical or human error and he said This company doesnt make errors like that. I told him its clear that they do because my contract was changed without me knowing and without my authorization. I asked to speak to a supervisor/manager above him than COULD make changes, and he said there was nothing he could do and he hung up on me. I immediately searched my email for the document, and it is no where to be found in my file. The only emails I have on file are those that state my payment is late and that Im being sent to collections.
Since Koalafi refused to help me, I informed them that I would be getting the XXXX involved. I also informed them that it is not a matter of willingness to pay. I am fully willing to pay off the lease, but I can only do it over XXXX months at {$82.00} per month. Being that Koalafi is unwilling to help and that they hung up on me, I have no other choice but to file a complaint with the XXXX. The outcome Id like to see is correction of the lease from XXXX to XXXX months, and ZERO hits on my credit. If there are any credit issues from Koalafi, they need to resolve them so that my credit remains in good standing. Clearly this company is not in the business of customer service.
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| 05/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/XXXX I purchased a sofa at XXXX XXXX XXXX a furniture store near my house and a got a line of credit with WestCreek to finance the sofa. West Creek had a program that you are not charged a lot of interest if agree to pay the total amount of your purchase within 100 days and you decide how you going to pay off the total amount {$1000.00} in my case. But again, you decide if you are going to pay in 3 or 2 payments, or at once as long as you pay within 100 days. I decide that I was going to make two payments of {$500.00} on XX/XX/XXXX and another on XX/XX/XXXX. The 100 days period was going to end on XX/XX/XXXX but in the middle of XXXX my place of employment closed due to the Covid-19 Pandemic and they let me go with the promise that they would probably take me back once things go back to normal. Well, I lost my job and my income. So, I decide to call WestCreek to let them know I had lost my income and that because of that I would not be able to make my final payment on the XXXX of XXXX like we had agreed. The representative told me that they would not withdraw the {$500.00} on the XXXX and that she understood what I was going through, and that I could call them back when I had the money.
On XXXX I started to receive government assistance and WestCreek without my permission withdrawal {$330.00} from my account on XX/XX/XXXX and today XX/XX/XXXX they did another withdrawal of {$330.00} so I decide to call them to see what was going on and to confirm with that this would be the last payment that they would be withdrawing from my account because according to my calculations it covered the total amount of {$1000.00} which was what I owed them in the beginning. Even though according to my calculations an extra {$160.00} was charged which I believed was some type of readjustment due to the extended time Ive got for being unable to make the payment on time because of the financial impact I suffered due to the Coronavirus Pandemic. But for my surprise when I called today to make no extra charges was going to be made and to confirm that my debt with them was paid off. The representative told me that todays withdraw wasn't the last XXXX. Another XXXX payments of {$330.00} was scheduled for XX/XX/XXXX and XX/XX/XXXX. So, I told him that I believed that whatever I owed them was already paid according to my calculation of the amounts they had already withdrawn up to this point and that whatever extra charges they intended to withdraw in the next couple of months was just not fair. Especially because I called them ahead explaining that my inability of making my payment on time last XXXX was caused by the fact that I've lost my income due to the Pandemic and that same time I've also called my credit card companies and my other creditors to let them know the pandemic had affected me, and them all waved late fees, interests etc. Because it was situation that was out of our control, and back them I recall that the finance experts and government officials even the governor of MA was advising us to do. They were all advising us to try to negotiate.
So, today I am complaining because I believe that they are being irresponsible and abusive toward their customers. They are trying to take advantage of us in this moment of crises. What they are trying to do is disrespectful. I am pretty much being charge twice for my purchase because I delayed a payment because of a situation that I had no control. Even though I called them to notify them of what was going on. Even though I told them that I would call them back once things were better. But they didn't even wait for my call back they withdraw money from my account without caring if the money that was there were intended to meet the needs of me and my family, without my consent or anything. Their whole behavior throughout this moment of difficult that had impacted the whole nation all they care is to get money from us no matter what. They are acting money hungry toward their customers, overcharging them, not caring, not showing a bit of empathy with others. I sincerely feel so violated by them, totally disrespected.
In resume I just want them to declare my debt paid off. Because I really believed that I no longer owe them anything since I already paid them what I owed.
I want them to stop withdrawing money from my account whenever they want without notifying that they will do it. I was not contacted by anyone either by phone or mail or email that even though I called them to explain that I was struggling because I was being impacted financially by the Coronavirus Pandemic my agreement with them was going to change and with or without my explanation of the reason of my inability to pay the last {$500.00} I would be charged twice of what I previously owned because they just dont care. I was never notified. All I see is them withdrawing money from my account, and I have no way to stop them because they have my account information on their file. I need Help to stop this abuse. I don't even care about the {$160.00} extra that they already charged me. I just want them to stop withdrawing money from my account, and to stop the abusive charges. They can not treat their customers like that. They can not take advantage of this unfortunate situation that we are all facing because of this Pandemic. I just want to be treated fairly and with justice.
Sincerely, XXXX XXXX
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| 02/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX dba Koalafi continues to attempt to collect a debt not owed. They are also reporting this debt illegally to the credit bureaus. I have attempted to resolve this issue directly with the company on multiple occasions. The company provides conflicting information regarding the status of my account and refuses to provide requested information.
XXXX XXXX has a history of engaging in illegal practices with consumers and this time is no different. I initially purchased this lease to own furniture from XXXX XXXX online. XXXX XXXX offered me the Koalafi financing but did not disclose the usurious interest rates involved. My initial purchase was around {$4000.00} for XXXX dining table, XXXX coffee table, and XXXX end tables. After the first month, Koalafi claimed that I owed a total of {$14000.00}! I called the company immediately and discussed the balance. Obviously that is a ridiculous amount of money for XXXX tables. I told the representative that I could not afford this debt and wanted to return the tables. The representative advised that she would notate the account and a representative would call me to schedule the return.
I waited for a week or XXXX and never received a phone call. I called and asked to speak to the returns department and could not get anyone on the phone as they were busy with a " high call volume ''. I told the representative that this isn't right and it seemed as if they were delaying the return to continue to charge me money illegally! Another month of contact attempts passes. I spoke to a different representative who states that she will enter the return request again. This time the return request was entered correctly and Koalafi picked up the tables within a few days. The tables were picked up by XXXX men in a standard pick up truck, not a company vehicle. I have requested proof of the return in writing to confirm the returned merchandise was received. This company refuses to provide written proof of return which is illegal. The company also continues to charge me for the returned merchandise. They also continue to report my account as delinquent to the credit bureaus every month.
Furthermore, my online account shows an unrelated charge off amount of {$2900.00}! The business practices are unscrupulous and illegal. I was told I have to pay a minimum of {$1700.00} in order to close the account. They are essentially overcharging me for furniture that I do not have any longer and continuing to report the account as open and delinquent on my consumer credit report.
In accordance with the Fair Credit Reporting act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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 an account without my written instructions.
15 U.S. C 1681 c ( 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 account by more than 7 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.
I am disputing this debt entirely and would like the CFPB to investigate this company further as they continue to deceive consumers with unfair and illegal practices. XXXX XXXX has a history of doing this. Furthermore, the derogatory information on my credit report is inaccurate, the balance and payment history continues to be reported inaccurately, and this account should be permanently deleted. The credit bureaus also failed to investigate properly and remove this account as required by law.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Regards,
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| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I was looking for Rims for my car, I went into XXXX XXXX XXXX, which is situated at XXXX XXXX XXXX, XXXX NY XXXX. The owner did not have the type of Rims that I was looking for. He then showed me a XXXX from the internet and said that I don't need to pay out of my pocket, that I could be financed by Koalifi ( The name of the financed company ) and it will only take few minutes to get the outcome. He then requested for my driver 's license and my bank card and insisted that it will only take less than 10 minutes. He then told me that I got approved for the sum of {$3000.00} and they took an initial payment of {$48.00}, I then requested to see the Rims, he told me I have to go to his other store to fetch the Rims, all the way in XXXX, which was an hour plus drive away, I asked him why I was not informed that the merchandise is not in his premise, his response was that I shouldn't be worried that I will get there in no time. I drove all the way to XXXX for the Rims, when I arrived at the said premise, I showed them the slip that was given to me, they then loaded 4 boxes into my trunk, and referred me somewhere else to fit the Rims. After they were done fitting the Rims it was totally off color, it did not fit the color of my car, I called both phone numbers that was giving to me, he never picked up. I drove all the way back to his store, only to find out that he was closed. I went back home with the merchandise still in my trunk and I came back the following morning, I waited for almost 4 hours before his assistant came to open his store. Apparently, it was the same person that assisted me yesterday at the other store, i told him the reason why I came back, who then called the owner, I then explained my predicament to him, that the color doesn't match my car, who then stated that if he decides to take the rims back, that I need to add an additional {$1800.00}, which I found ridiculous. I left the whole merchandise in his store and told him that I am willing to work out something with him whenever his ready, then I left.
I called Koalifi also known as XXXX XXXX XXXX XXXX to Close the account, they took some amount from my account in order for them to proceed with the closure of the account. It has been a nightmare since then, I received calls from Koalifi that the owner of XXXX states that the sale is final, and I was instructed to go fetch the merchandise, then I should call them. I did what I was told to do, and it almost a month been told the same story that the matter is under investigation. Initially they said I could not be charged at the present moment because it is showing XXXX amount that is owed to them. However, without any notice I saw on my credit report that I am suddenly owing {$1000.00}, and that I have skipped payment for 24 to 45 days, it is so unprofessional of them, i never told them that I wasn't going to pay. I tried making payment several times they refused, and insisted on getting the merchandise first, every time I call to make payment, they put me on hold till they drop the call. I have accepted the merchandise, and every time I try making payment, the operators says that the matter is still under investigation for over a month, yet they had the audacity to add it to my credit score that I am owing them money. Everyone should be aware of such financial company claiming to assist you in financing anything.
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Koalafi offered me a credit card product around XX/XX/2022, for the purpose of a home renovation project, without a true dispute process as described in Regulation Z. The loan was activated by the merchant prior to project completion in early XX/XX/2022. Merchant originally made good faith effort to finish the project. In late XXXX, Merchant began avoiding obligations to finish project ( vague responses for when outstanding goods would arrive, and no response on when punch list items would be completed ) As of XX/XX/2022, merchant had not delivered all good/services as promised to the customer. Customer was unable to reach merchant with any firm updates for the goods/services. A call was placed to Koalafi stating the dispute ( similarly to how it is outlined in the complaint ), with Koalafi affirming that they are not responsible for the merchant, and I as the customer am still obligated to make payments. Koalafi quickly reminded customer of loan agreement.
On XX/XX/2022, merchant responded to customer, proposing a plan going forward.
On XX/XX/2022, Koalafi contacted both merchant and myself, on separate phone calls. Customer stated that at this time, Merchant has proposed a plan and timeline to finish the project. Koalafi implied during this conversation that they are under no requirement to provide resolution or further investigation, and reminded the customer that payments are still required. Koalafi also stated that if the dispute were to arise again, the same process of phone calls to the merchant and customer would repeat, regardless of resolution on either end.
Based on this dispute process and phone call conversation, it does not appear that Koalafi provides any protection to the customer, nor does Koalafi believe that any governing laws apply to them.
References : Per the TRUTH IN LENDING ACT ( REGULATION Z ), " issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. " Per the attached lending agreement with Koalafi : If, after any such good faith effort to achieve resolution with the Merchant, you are still dissatisfied, you may contact Servicer in writing at Koalafi, XXXX XXXX XXXX, XXXX XXXX, VA XXXX, or any other address the Servicer may designate, and we will investigate the matter. During the pendency of the investigation, you must still make any payments owed under this Agreement. Once our investigation is concluded, we will make a determination regarding any amounts you continue to owe under this Agreement. If, following ourdetermination, you do not make payments that we confirm are owed under this Agreement, we may report you as delinquent.
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| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I purchased furniture from a local store chain called XXXX XXXX. They offered/partnered with a lender for financing called koalafi. They store rep told me that the loan is interest free for the first 90 days then is interest bearing thereafter. I planned to pay off the {$4000.00} balance by then so it wasnt a concern of mine. They did not go into any further details about how the loan works. In my mind, traditional situations like this are common and there isnt anything fishy or catch that would make this worse than it appears. It was I wrong. When I signed documents, its through docusign just like many other set overs these days. Click a button and it skips to the end of the contract to sign. My fault for not reading it but when I get to the catch they erroneously didnt mention, the fundamental approach of this loan is predatory. Ok the terms of the contract as I understood them are that they will deduct {$270.00} biweekly. After 90 days the loan becomes interest bearing. I made an additional {$1000.00} payment during these 90 days to bring the payoff amount down to something more manageable by the time I get to the 90 days. These payments are automatic. I dont have to login to a portal or call to make the payments. I login to the portal to get my payoff balance on XXXX as I planned on paying it off and the balance not only was around the {$1300.00} it should have been around, the balance increased higher than the purchase price of {$4000.00}! ( It was around {$5500.00} payoff ). I checked the contract and after the XXXX payment, the balance automatically increases to this figure regardless of whatever the balance was previously prior to the 90 days. Bear in mind that the 90 day period ended on XXXX so I was 2 days late. So the {$2600.00} I paid up till that point went nowhere. As again, the balance increases to XXXX and is interest bearing with the same payment and schedule at 24 %. If I continued paying it on schedule the total amount paid for a couch and love seat would have been over {$13000.00}! I was able to get them to honor the original payoff amount after I raised XXXX with the rep and supervisor. They charged me 5 % of the original financed amount for the 2 days late and another 3 % of the payment amount in order to process the card payment outside the regular payment schedule. Fees fees fees. My payoff increased from XXXX to XXXX For anyone else that doesnt have the capacity to drop {$2000.00} to pay off the furniture, theyll have to get screwed by these guys and waste a ton of money or will end up in collections. This is a terrible loan, aiming to take advantage of people and definitely matches up to predatory lending.
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| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Last fall, I moved to a new house and didn't have my own mattress. I was looking for a cheap mattress and I found out that XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Iowa sell a mattress at low prices. I saw the Adversite and it said they sell queen mattresses starting at {$150.00}. I thought that was cheap. On XX/XX/XXXX, I decided to see the mattress in the store. They didn't have a mattress with the brand that I wanted which is called XXXX. I was kind of pressured to buy a queen mattress there so I bought one that cost me {$900.00} and I decided to pay through installment loan until XX/XX/2023. That date is the early purchase option deadline. I had to pay off {$900.00} by XX/XX/2023, or I'll have to pay double.
I tried to pay it off before XX/XX/2023. I paid the full amount left off before the deadline. But somehow, this situation messed it up. Between around that time, I paid it off. I got the email that someone tried to use my card at XXXX which isn't in my town so I knew it wasn't me. So I called the bank about it and they suggested I get a new card number. So I did. Somehow, once they canceled my card and ordered a new card. It automatically canceled the payment I paid for the mattress loan.
I didn't think about it until later. I checked the loan they said I still owe them money and they continue to take my money off from my balance. I was very stressed at that time because I didn't have enough money to keep paying for it and I couldn't ask anyone to help me pay for it. Because I also pay for my own car monthly. My car monthly was around {$500.00} a month.
So I called the loan company which is Koafafi. They were pretty rude and I was upset, I tried my best to explain my situation. They said they couldn't do anything about it. They said it was my fault that it was canceled and I didn't change my card information. They told me I didn't pay on time, but I did. They said I still need to pay them the rest amount. I told them I couldn't afford that time and I was struggling mentally and financially.
A few months ago and this month, I called the XXXXXXXX XXXX XXXXXXXX customer service about it and they said they need my information like Full name, phone number, city and state, and email address and they will call me back soon. I tried and called them twice and they never call me back.
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| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Back on XX/XX/XXXX, I opened a Lease Account with Koalafi. According to the payoff amount/balanced that was reflected in my Koalafi online account when I open the Lease in XXXX of XXXX was {$1100.00}. The payments were set up automatically every 2-weeks on the amount of {$130.00} plus I was additionally paying {$66.00}. I went back to my bank account records, between XX/XX/XXXX, and XX/XX/XXXX a total of {$1100.00} was paid to Koalafi. When I called them back on XX/XX/XXXX to informed them that I had overpaid in my account since the original Lease Amount was only {$1100.00} I was surprised to realized that according to their records my original XXXX XXXX was {$1300.00}. Therefore, I was in default with an amount of {$170.00} which I was not aware. As a result, they increased the amount of my Lease Amount to {$1700.00}. I tried calling several times in XX/XX/XXXX, XX/XX/XXXX. I was sick for several months, and I could not make any other attempts to call between XXXX and XX/XX/XXXX. I resumed my attempts to call them XX/XX/XXXX, and XX/XX/XXXX. Today, XX/XX/XXXX, I was able to speak to someone via chat communication online. I asked to speak to a manager, but I had not luck. According to representative a manger will return my call within 5 business days. However, back in XXXX and XX/XX/XXXX I received the same response, and no one returned my messages. As of XX/XX/XXXX, Koalafi has reported a passed due amount of more than 90 days to the 3 major credit bureaus, and they have managed to affect my credit disproportionately. However, I feel that I as a consumer, I made my payments on time every 2-weeks with additional payment amount to cover what it was reflected in my account when originally opening my Lease Account. I need your assistance to get this situation resolved. There was a mistake in the Lease Amount showing in my account back in XX/XX/XXXX vs the lease payoff amount showing in their system. I am willing to pay what is fair for the consumer. I am willing cover the {$170.00} that supposedly was part of the original Lease Amount from back in XX/XX/XXXX. However, I do not think is fair for consumers having to pay unproportionally amounts of money when they did not receive the correct information.
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| 03/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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Hi Team, I came across a furniture page on XXXX. They said they have a physical store in a location that I will share. They said I can pay via financing so they shared me link of Koalafi ( Formerly West Creek Financial ). I applied and was approved for $ XXXX. They placed the order and said it'll take few days. Upon repeated calls, messages etc he told he can't deliver the order and will take additional month! I said in that case I would like to cancel my order as I was relocating and wanted furniture for my whole house. He said okay but then I called Koalafi to cancel the loan but they said they'll only cancel once that store owner calls and cancels. I called him again but I ended up being block on all the platforms. I have already made few payments to KOALAFI and they are not cooperating with me. They said they can't do anything despite the fact that they are the ones doing direct business with them.
As a customer, I never knew what loan service he is providing me and I assumed that if Koalafi is working with a store manager it should be legitimate because I worked with Koalafi in the past and had the best experience. There must be any way to resolve such disputes rather than asking customers to call Store directly esp. when they are not responding in any way ( Call, Email, XXXX nothing ). Also it is mentioned that Koalafi release payment to merchants once the items are marked delivered which in any way wasn't marked by me. Just like a credit card dispute I was assuming Koalafi would assist me but their customer service hung up on me and said I need to pay all the payments until that store calls and cancels the order. I am calling them for the past 1.5 months and there is absolutely no one helping me and extremely rude including their supervisor. We all know this is not how a dispute works.
Can you please help me sort this out? I have almost $ XXXX loan due for something I never even received. I am very stressed out and have no idea how to resolve this. Your help will be really appreciated.
Furniture Store : XXXX XXXX XXXXXXXX Contact No : ( XXXX ) XXXX Koalafi Loan No : LOAN # XXXX Thanks XXXX XXXX
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| 06/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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Consumer Review Title : Warning : Unlawful Credit Practices at Koalafi I regret to share my recent negative experience with Koalafi, based at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, as they have significantly violated the Fair Credit Reporting Act ( FCRA ).
During a recent credit application process, Koalafi denied my request for credit. This, in itself, is not the issue. The problem lies in their failure to provide specific reasons for this denial. Such behavior is a direct violation of the FCRA, specifically 15 U.S.C. 1681m ( a ), a law designed to ensure transparency and fair play in credit dealings.
The FCRA clearly mandates that if a credit application is denied, or if the terms offered are less favorable than those typically provided, the creditor ( in this case, Koalafi ) must offer clear, comprehensible reasons for their decision. Unfortunately, I received a simple notice of denial with no explanation whatsoever. This leaves me, and potentially other consumers, without any understanding or guidance on how to improve our credit standing with them in the future.
In response, I requested Koalafi to : Provide me with specific reasons for the denial of my credit application, as per the FCRA.
Confirm that they've implemented necessary processes to comply with the FCRA and to prevent such issues in the future.
Remember, failure to adhere to FCRA regulations can result in serious penalties for companies, including statutory damages, punitive damages, and attorney 's fees, as per 15 U.S.C. 1681n and o.
I am sharing my experience to alert potential customers of Koalafi 's violation. I hope that my review can help others make an informed decision. I am currently awaiting their response and resolution of this matter within 15 days from my initial complaint.
If I don't receive a satisfactory resolution, I am prepared to pursue further legal remedies. In the meantime, I would advise anyone considering applying for credit with Koalafi to be wary of their non-compliance with the FCRA, a critical consumer protection law.
Sincerely, XXXX
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| 02/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I get a alert from my third party credit monitor that a account was reported delinquent 30 days so I look to see who it was and it was West Creek Financial delinquent XXXX past due 10. Now my account has been current for a year now even when I called them and made partial payments they still reported the account current now I have 1 more month to pay them originally was XX/XX/XXXX but due to financial issues which I explained even when I changed my payment dates I have a scheduled payment coming out on the XXXX of this month they couldn't even wait til that payment comes out which would have decrease my amount owed its ridiculous how they waited until I had 1 more month to finish out this account to do this I spoke to a customer service rep about this and all he keep asking can I make any small payment towards the account now remind you I got a payment for the full monthly amount coming out on the XXXX he checks oh yes you do have one then when I asked since that payment is going towards this XXXX that would decrease my amount owe oh yes it will so I asked him about the reporting they did oh we report to XXXX so I said what about this 30 day delinquent you all reported how is that going to work since I have a payment on the XXXX and that decreases the amount owe which it will bring it to my regular monthly payment which will not make it 30 days delinquent.He tells me that third party credit reporting has not updated yet it takes a while but how was I able to see this 30 day delinquent and I seen it on several third party credit reporting that I have access and get alerts from I think that West Creek Financial is wrong for doing this after waiting a year to report this. And since its still a pandemic aren't company 's are not supposed to report account delinquent even if the consumers make some type of payment or arrangement with companies? I only missed 1 payment back in XXXX had a finance issue which I do call them and since then made partial or some type of payment towards this account. This has affected my credit tremendously.
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| 06/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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The company XXXX XXXX XXXX in XXXX did not gave me the full info about a loan.
I purchased 4 mattress from this store with a {$40.00} down payment and 90 days same as cash, but he did not explain that I will be charge twice a month {$270.00} basically 10 % every 15 days until I paid the full amount in 90 days.
When I received the mattress the next 3 days I let him know that the quality of 2 of them were really cheap and I wasn't happy with my purchase, he said that he went to vacation but he will resolve the matter as soon as he arrives, days pass by and now he said that he can only exchange them for the same mattress if there is something wrong with it, the store did not have any refund policy but the mattress itself has a 30 days warranty but only for the same on if there is anything wrong.
Time to make a payment, received a text that my account is past due, surprised by the twice a month charge that was not explain to me at the store, made a payment online on XX/XX/XXXX for {$300.00} expecting to be enough and call the loan company Koalafi to made sure they received the payment and explain my situation because the loan of 90 days was not an option anymore and from {$2700.00} was now {$4200.00}, they gave a one time courtesy for missing a payment and advice to not miss anymore and my next payment is on XX/XX/XXXX my account when back to the 90 days loan.
XX/XX/XXXX surprise received another text by the loan company that my loan is behind, I called them and ask for a supervisor and explained that happen before, now she said that I made a partial payment and she could not do anything because i already have the one time courtesy. I asked why on the XXXX when they review my account did not told me that I was missing another {$170.00} to put my account current and my account was again not eligible for the 90 days loan and jump again to XXXX
as a consumer if we dod not have all he info how can we made the right decision.
The supervisor did not gave me any solution and stick to the not eligible loan and the {$4200.00} ....
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| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I had emergency auto repairs that had to be done on my vehicle. The total cost was {$6000.00}, I explained to the shop that I did not have the money for the costly repairs. The manager explained to me that I could finance it, he ran through the loan company that they use and I was qualified within a few minutes. I was signing the loan paperwork over their tablet and on the phone as well from the loan company at closing time. At the time the only thing explained was that the amount needed to be paid in 90 days and if not there would be accrued interest ( which to me was normal and to be expected ). Although, When the company sent me the paperwork to my email, I found out that if I could not pay the {$6000.00} in 90 days it was going to cost me XXXX to acquire ownership over the course of 2 years. None of this information was mentioned or presented until the documents were signed. Had I known I would have never agreed to pay an amount over XXXX the original amount. I have called the company multiple times to adjust payments and to get the amount lowered, and asked for other payment options only to be told that their system generates the amount to be paid. Currently I have already paid {$1500.00} over the original loan amount. I called to ask what I need to do for payoff only to be told that there is no way to project how much my payoff amount will be and making extra payments goes to the remaining balance and not the payoff amount that is listed. The supervisor explained that there is essentially a lottery that their system does and one day my payoff could be higher and one day it could be lower, but there is no way to know what it will be on a day-to-day although reading the contract it states it will always be 50 % of the remaining. This issue needs to be reported and this company needs to be shut down for doing this to people. It's not right! How does {$6000.00} go to XXXX in a matter of 3 months, they are tricking people into signing this agreement and not disclosing all information. Neither company explained this.
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| 08/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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On XX/XX/XXXX I went to XXXX XXXX in XXXX, MD to purchase two mattresses. I was offered a credit application so I tried and was denied. The salesperson explained that the have another payment option through West Creek financial and we are able to do 3 months 6 months or 12 payment options. This would be paid from my bank account ACH withdrawals. We explained that I wanted the 6 month option so I do n't pay as much in fees. He agreed that the less time you have to pay the better. The total came to {$2400.00} and that we had to pay {$190.00} as my 1 payment in the store additional payments for 6 months will be paid biweekly from my bank account via ACH withdrawal. Fast forward 6 months I am still paying. According to my calculations XX/XX/XXXX should have been the last payment. My wife realized that West creek financial took out a payment of {$190.00} on XX/XX/XXXX. So when I got home from work we called West Creek Financial and spoke with the customer service agent. The agent explained that we do n't have a 6 month plan, you have a 12 month plan according to our records. I said you have it here on your pamphlet 6 months and that 's what I asked for. The agent said I have to pay 80 % interest on the total of the purchase for a total of {$4400.00} over 12 months or pay them {$1100.00} today to settle the interest. I told the agent that is robbery and no I did not sign up for that. He explained that he would reach out to the financial department and see what he could do. I thanked him and he said he would call back the next day to tell me or my wife the verdict from finance. He called back spoke with my wife and said the most he could do is lower it to {$930.00} if we pay today. My wife thanked him because he tried, but told him that we are submitting a complaint with CFPB. To date we have already paid {$2900.00} that 's {$470.00} over. That should cover the fees for the 6 months. Please help me with our situation with West Creek Financial in
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| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/2018 i entered a store and apply to buy two twin beds to be finance. I was informed that i would have three months 0 % interest if i applied and qualify. The application fee was XXXX i got approved and decided to finance the beds. Which total {$560.00} including taxes.
I signed up for automatic debit from my account for XXXX every month which they always took from my bank account with no problem.
They told me about the interest i was going to pay if I didnt pay it in the 3 month period which was fine I totally understand and didnt mind paying interest in what i thought was owed which it was {$250.00} after the 3 payments that were automatically withdrawn from my account. Little did i know AND WAS NOT informed that i was going to be charged a 100 % FEE ( or more ) of whatever amount was due and other FEES that were not disclosed as soon as the 90 day PERIOD arrived. So when the 90 day was up my total balance was XXXX When i log in to check my account i see that the total balance due was XXXX which i didnt understand.
I called West Creek Financial asking why is so much and thats when i was informed of so many fees which i was not aware and supposedly they gave me a discount if i paid the balance in full that same day of XX/XX/XXXX XXXX TOTAL PAID THAT DAY {$890.00} totally deceptive. Total scam. From a purchase that was supposed to be {$560.00} including taxes i ended up paying {$1200.00} with fees that i wasnt aware of. On top of everything else the bed has broken two times first time they came to fix it but didnt replace any parts. Now is broken again and i have to buy a new one because i know they will try to fix it again when in reality it needs to be completely replaced as i was told, i have one year warranty but they wont replaced it just fix it. This is a total ripoff towards people that work hard to earn every penny.
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| 02/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.
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| 01/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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On XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the way my truck was acting and sounding, and he told me to bring it in. I took my truck to XXXX XXXX XXXX XXXXXXXX XXXX and the next day he called and said that my truck transmission needed to be replaced the total amt charged was XXXX. He told me that I needed to take out loans to cover the cost for the transmission and labor to replace the transmission. The first loan that I took out was from West Creek Financial Inc. ( lease # XXXX ) in the amt. of XXXX. XXXX XXXX stated that amt. that West Creek Financial Inc. approved was not enough, so he then told me that I would have to take out other loans to equal the total amount owed. The money from the loan went to XXXX XXXX, I never received any of the money from the loan. He never told me that he would be the one collecting the loan money from the bank, and he also didn't not mention to me that the loan information would be reported to the credit bureaus. I was not aware. My truck stayed on XXXX XXXX XXXX XXXX XXXX lot until XXXX XXXX and was never touched and no repairs had been done. After XXXX XXXX received the total amt. needed to repair my truck, he still never purchased or replaced my transmission in my truck. I never heard from XXXX in months, so I went by XXXX XXXX XXXX XXXX XXXX to inform XXXX XXXX that I wanted to come and get my truck. He then told me that in order for him to release my truck to the wrecker service that I would have to pay him an additional XXXX on top of the XXXX from West Creek Financial Inc. that he received from the loan / banks for no work done to my truck at all. The transmission was never purchased or replaced in my truck, my truck had never been touched.
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| 10/18/2023 |
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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Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received.
In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.
Account XXXX : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information.
Please reinvestigate this matter and correct the disputed item as soon as possible.
In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/XXXX I signed a lease agreement with the Koalafi also know as XXXX XXXX XXXX to lease furniture from a store name Furniture Direct. As I was signing the agreement the XXXX XXXX for XXXX direct informed me that my first payment will be due 10 days after the delivery. My delivery date was scheduled for XX/XX/XXXX. On XX/XX/XXXX, Koalafi drafted {$260.00} out of my checking account. I immediately called them to and requested to have the contact terminated as they prematurely billed and I did not receive my furniture yet. In the lease agreement, it states I can call Koalafi and cancel my account anytime without penalty. They told it would take XXXX business days for the customer advocate to reach out to me to file a claim. On XX/XX/XXXX I spoke with a customer advocate name XXXX. He advised he will need to conduct a investigation with XXXX XXXX and will follow up with me after the investigation is conducted. Well, XXXX denied my claim because the furniture store provided a copy of the invoice as proof of delivery. I did not receive the furniture. The authorize XXXX party delivery company XXXX XXXX XXXX has possession of the furniture because I refused delivery. Neither of these companies want to honor the lease agreement to terminate the my contract and wants to continue to bill for me merchandise I did not receive. I have attempted to terminate the contract with the Koalafi and XXXX XXXX and they are refusing to refund me the money that was drafted from my bank account and keeping me binded to a contract, so now I am responsible from items that are not in my possession and this transaction is going to end up on my credit report because they I am not going to pay for furniture that I do not have.
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| 09/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XXXX XXXX, 2020, I went to XXXX XXXX in XXXX, AR to purchase tires. XXXX XXXX offered financing through Westcreek Financial. The tires I needed for my truck are expensive so that seemed to be the best option. No information was given to me about the lease while in the store, nor was I given a physical lease agreement or asked to sign anything other than the form verifying my personal information. XXXX XXXX performed the service on my truck and sent me on my way. A few hours later I received an email saying I needed to sign the lease agreement. I never signed it. Westcreek took money out of my account every week for some time. When I had paid around {$700.00} of the loan I called to see how much remained, as plaza said my credit line was around {$800.00}. Westcreek then informed me that {$800.00} was the original payoff, since I hadnt paid it off in a specific amount of time the final price was now around {$2000.00}. I told them I wasnt given any information at XXXX, nor did I sign the lease agreement or even receive one until after I had left the dealership. Nonetheless I offered to pay the rest of the original amount and Westcreek denied. Given legal advice from a close relative, I was assured that I should leave it alone. I offered payment and it was refused. Westcreek also says they have a copy of where I signed the lease agreement, but that is absolutely impossible. On top of everything else, I asked them to stop calling me. Every day I receive around 3-5 calls from Westcreek. I was also legally advise that it was harassment. I have nowhere else to turn, other than hiring an attorney. If it comes to that point, Ill be ready. But Im trying everything else before. Thank you so much for your time.
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| 08/28/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2018 I bought a mattress from XXXX XXXX. I chose to finance the bed from your company Westcreek Financial the cost of the mattress was XXXX. I signed the documents from your company and I gave my correct bank account number and debit card number as well or the payment to XXXX XXXX would have never have gone through. On XX/XX/2018 I came into a large sum of money and called your company to ask for a payoff amount which I paid in full. Since that time your company and I have been in a dispute with you telling me that I owe you XXXX. You have reported a false report to the credit bureau that borders on fraud. Yesterday in a final attempt this matter your company and my bank had a three way conversation in which my bank told you that if you had submitted a charge of XXXX it would have been paid. Your response to me was that the payment of XXXX was kicked back to you due to a wrong bank account number or debit card. My bank confirmed that all the information that was on the application was true and correct. So if the payment did not go through it was an error on your part not mine but yet you still argued with my bank. You offered to take this fraudulent amount of XXXX off of my credit report if I paid you that sum. I checked my account with XXXX and you had yet again altered information fraudulently as of XX/XX/2018 because I checked my credit report after speaking with you. Your company needs to remove all of the fraudulent information you put on my credit report because it seems to me that you are using the misinformation you gave to the credit bureau as ransom just to get me to pay a debt that is not mine!!!
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| 01/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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On or around XX/XX/XXXX, while I was at my home in XXXX, XXXX ( my husband and I have dual residency between XXXX XXXX XXXX ), someone opened an account using my name, social security #, date of birth and XXXX address of XXXX XXXX XXXX, XXXX XXXX XXXX The phone number used to open this account, however, is not my phone number. Their number is XXXX and my current phone number is XXXX.
As a side note, I hold my driver 's license in the State of XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have no information on what form of identification this person used.
In noting the name used to open this account ... my name is spelled incorrectly. My legal name is XXXX XXXX and the account is recorded as XXXX XXXX.
The purchase was expensed at XXXX XXXX in XXXX, XXXX for an amount of {$8000.00}. The credit was processed through the XXXX XXXX XXXX and serviced by Koalafi whose address is po box XXXX, XXXX XXXXXXXX XXXX XXXX.
I contacted Koalafi at XXXX today, Monday XX/XX/XXXX. This identity theft just come to light yesterday because I spent the past 3 months at our home in XXXXXXXX XXXX Upon going through 3 month 's of mail, I found statements and correspondence from Koalafi concerning this account 's deliquency status. Account number is recorded as XXXX.
Koalafi indicated they attempted calls to this phone number since XX/XX/XXXX, and has been unable to speak to anyone. All calls go to voicemail.
I have filed a dispute with XXXX via XXXX. I have also filed a report with my local police department here in XXXX XXXX, XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
Older American, Servicemember |
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I applied for a short term loan - as I have previously done before. On XX/XX/XXXX ( Acct # XXXX ) I opened this new lease in the amount of {$1600.00} of purchase after tax and fees the balance to be paid off by XXXX XXXX, XXXX {$1800.00}. In an attempt to take advantage of the early purchase option I made payments to complete the agreement ; I paid {$320.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and {$820.00} on XX/XX/XXXX and {$320.00} XX/XX/XXXX. The payments were all made electronically and through automated drafts by the company. All payments except the {$820.00} payment were processed. Attached is my statement showing the funds were available - and the bank states there were no attempts for an XXXX withdrawal for {$820.00}. The company stated that it was NSF but failed to provide proof of submitting payment after several requests. On XX/XX/XXXX there were funds available for the payment and i could have made another deposit to cover any costs - the company never attempted to authorize payment according to my institution- further verified by no NSF fees charged by my bank for insufficient funds.
I continued to make payments during the time I was disputing the error and the amount owed, and tried to work it out with the company. I have paid {$2100.00} to the company to date.
If the company had taken the payment as requested and authorized by me my lease would have been paid off within the 90 days avoiding all other fees. I respectfully ask that the loan is backdated to the XXXX payment and closed out and to have the overpayment of {$280.00} returned to me.
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| 03/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
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Web |
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While I am not currently experience personal issues with my account with West Creek Financial, I am under the impression that their lending process is not entirely legal. On XX/XX/2018 I agreed to buy a mattress from what I was told was a wholesale retail vendor and opted in for them to finance my purchase of {$300.00} with a {$40.00} downpayment. They made the application process quick, I was told my total was {$300.00} with a {$40.00} down payment required, that the rest of the payments would be done in payments of {$25.00} every other week and I agreed to this. However when the signing process began the agent generated an electronic signature for me, turned the laptop screen towards me and quickly scrolled the pages down and tapped to apply my signature for me for every line. She made the comment that her husband does not even turn the laptop towards customers. There was never any mention of interest, that the item was rent to own, or that if it was not paid in 90 days that I would be charged 45 % more bringing the total payments to {$650.00}. It is in the documents they signed for me without allowing me to read, as they did print a copy to send with me. Also in the documents the " {$40.00} down payment '' is an initial payment that did not apply towards my balance. I know that this entire process violates the Truth in Lending Act, as the fees and full disclosures were NOT PROVIDED UNTIL AFTER THE TRANSACTION. Upon searching this company I have found several other people who has been scammed by this company as well.
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| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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On XX/XX/XXXX I placed an order with XXXX XXXXXXXX. I was ensured that all of our furniture would be delivered on the XXXX of XXXX. However my move-in date changed to XX/XX/XXXX so I called the company immediately and let them know. they ensured my furniture would be delivered on the newly scheduled date. ( This did not happen ) days go by and I reach out to Kings furniture ( I have been working with XXXX ( son ) & XXXX ( father/owner ). during my visit I was offered financing through snap financial. XXXX told me that I would make payment to snap once all my furniture had been delivered. he ensured they wouldnt take any money before that and that this was the only lender we would be utilizing. He did let me know about a few other finance companies but I expressed to him that this was my first time so I just wanted to utilize one lender at this time which was snap. Today is XX/XX/XXXX and I have yet to receive my furniture order. I also have a lending company contacting me by the name of : Koalafi stating that I have missed a payment with them? This is impossible as I assured the furniture salesman ( XXXX ) that I did NOT wish to use any other lender besides snap. I do not have my furniture order nor will I be paying Koalafi anything. I do NOT have any business with Koalafi. I will begin my payments with snap once my full order is delivered as this is what was ensured to me by XXXX and to what I agreed upon
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| 02/09/2021 |
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 |
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In XX/XX/2020 I was given a {$3000.00} line of credit with Westcreek Financial with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to XXXX since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked Westcreek financial to submit notice to XXXX and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called Westcreek back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. Westcreek stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with XXXX and XXXX and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.
|
| 01/23/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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I opened an account with West Creek Financial in the late part of 2019. Recently in the past XXXX months I have been out of work due to medical reasons. I have not been receiving any pay checks. As soon as I knew I was going to be out of work I spoke to one of the representatives at West Creek Financial and told him my situation and they told me not to worry and to let them know when I started working again so that I could start making payments again. most places that allow you to take out a loan there is a payment protection plan that protects you and your credit from bad remarks such as late payments and miss payments when youre out of work. I expressed that I was willing to make partial payments but they told me they did not allow partial payments and that they only excepted payments in full. They threatened me and told me they will send my account to collections if I did not pay them in full after I had clearly told them I was not working at the time. Today on XX/XX/XXXX I had to borrow money from my family to pay my past due balance of {$480.00}. I am extremely disappointed with the poor customer service and the lack of empathy that they show their customers during trying times. I was not asking to hold my payments until I started work again I just needed to be able to make partial payments but they threatened to send my account to collections.
|
| 05/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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West Creek Financial XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DEAR SIR/MA'AM I am writing to request several account documents from your company since you have reported a charge off on my Consumer Reports. I am requesting all of the following documents to be sent to me as soon as possible GAAP LEDGER, DOCUMENTARY MATERIALS, BOOKKEEPING ENTRIES and ( ALL OF MY PAYMENT INVESTMENTS INTO THE ACCOUNT ), YOUR ACCOUNTING METHOD ( ACCURAL ) IRS MANDATED FORM 1099-C should be filed by your company since this debt is greater than {$600.00}, PLEASE SEND PROOF.
Your company is legally obligated to send me a 1099-C as well to file on my personal taxes. I am requesting your company also send the AUTOMATED UNIVERSAL DATAFORM used to communicate with each Consumer Reporting Agency.
Most importantly please send your copy of the signed contract. Cease all Consumer Reporting AS SOON AS Receipt of this letter until you have completed my full request. If you are unable to send ALL of the following documents for any reason, PLEASE CEASE ALL CREDIT REPORTING.
What is the name and address of your CEO/COF of your company?
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I sighed up for a XXXX pay off option with Koalafi on XX/XX/2022 I made the initial payment then was told that I would have under the agreement XXXX days to pay it off on XX/XX/2022 I called into their customer service department as the online option for payment was showing more than XXXX then what was originally supposed to be charged. The customer service agent that I spoke with refused to update the payment due, refused to transfer me to a supervisor and refused to give me his name or ID number. I called back to attempt to get to a supervisor XXXX and he stated that they are refusing to honor the XXXX payment price, their " system '' does not allow it. The XXXX days does not expire until XX/XX/2022.
For your records, your lease will consist of the following terms : XXXX Payment Option : XXXX as long as you pay off within XXXX days Lease Amount : XXXX Initial Payment : XXXX Scheduled Time to Ownership : XXXX months Initial Payment Tax : XXXX Payment Frequency : XXXX a Month # Remaining Scheduled Payments to Acquire Ownership : XXXX Payments XXXX : XXXX} Last Payment : XXXX Scheduled Total Cost of Ownership : XXXX, if you don't pay off early
|
| 10/10/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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My daughter XXXX XXXX and I XXXX XXXX have fraud to report about a company furniture was sent to my address in my daughter 's name that we didn't want to be sent to us we tried reaching out to XXXX which is a lease company to come and pick up this furniture I also made a police report XXXX said they can't pick up the furniture because this is a fraud investigation my daughter never placed this order and XXXX said its in her name from a company called XXXX XXXX and XXXX XXXX said that this furniture order was placed by XXXX XXXX XXXX didn't give permission for the seller to use XXXX 's identity or myself. The items were sent to my address in XXXX ga my daughter XXXX lives in Minnesota and was never in possession of the items. XXXX says these were leased to XXXX XXXX we never gave the seller at winder mattress permission to use our identity. XXXX reported on my daughter XXXX 's credit report that a balance of XXXX is needed and is past due. I have filed a police report and we are disputing this on our credit and we want the furniture removed from the property. XXXX needs to know that my daughter never placed this order
|
| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
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Part of the approval process is dependent on a {$40.00} deposit, or initial payment. I was approved for up to {$500.00} originally. When I went to submit the approval to the merchant I was applying for the credit account for, my approval changed tk a denial because I had accidentally entered an invalid card. I called the company, Koalify, and I was advised to reapply with and update my application with no issue. I was denied. The merchant then calls Koalify, and requests for my denials to be reset. I apply again and again I am denied, all because my original application had an error that was since corrected. Im being told by management at Koalify that if it was simply an incorrect card, they can assist with the application being pushed through, which is the reason why I was declined after originally being approved. Then Koalify says that they can not help me because of the denied applications submitted after. HOWEVER, Ive been assured by the merchant involved that the denials could and were reset. Koalify is giving me a difficult time and their so-called policy have no room for error for the customer.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
|
I had signed a lease agreement for wheels and tires from a company. I have been fighting with the company since I had signed the agreement. I did not want them and tried to cancel the lease. I have since been charged for 3 months with items I never wanted. I finally got ahold of someone with XXXX and they resolved the issue with the merchant only to tell me I still owe them money or they will report that I am delinquent on my credit report. I spoke to the lady today and she stated that on the phone. I DO NOT HAVE THESE ITEMS. They have them and in no way should I pay for an item that I did not want. I also should be refunded the full amount that was paid!!! This is the worst company to ever deal with. I have done lease to own with XXXX and XXXX and they were amazing. This company to state that if I do not pay for items I do not have in my possession that it will report to my credit bureaus should be illegal and they should be shut down. Please help me recover the funds and ensure that they do not report any information to my credit report as I do not have possession of these items.
|
| 10/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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2 personal loans with West Creek Financial XXXX XXXX ) were made with my information a few months ago. I did not know they existed until XXXX XXXX reported that my credit score tanked XXXX points because there were late payments to these loans. I do not claim these loans to be mine. I have contacted the financial institute and they were unable to cancel the loan. The name, number, and email tied to this loan do not match the information that XXXX has in the database. I have a piece of mail that was sent to me that shows inaccurate personal identifying information on this XXXX account, therefore giving me the information to get through a customer representative finally after calling 2 times because they have no accounts under my real information, except this false information. ( wrong name, number, etc ) 1st loan amount : currently {$4000.00} 2nd loan amount : currently {$1000.00} Again, these loans were fraudulently made and do not match my information with the XXXX database ( name, number, email ) I do not claim these loans to be mine
|
| 08/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I got the loan through west creek financial 8 months ago and gave them authorization to auto debit my account on the XXXX and the XXXX of each month on XX/XX/19 I noticed that the money was pulled out of my account. When I first called I was told my bank did it when I told them I gave them authorization not my bank and it is authorized for the XXXX not the XXXX I got a call from a supervisor who advised me that they send it 5 days early and cant help when my bank pulls it I again tried to exsplain my authorization is for the XXXX and they cant send it early when I went back to my bank statments this is not the only time and not the only fees I have incurred due to these illigal practices. I also gave authorization and made the 1st payment via debit card they started using my checking that my bank will always pay the over draft without my knowlede and said thats the way they do it as they require checking info on the applications. Today XX/XX/19 I recived a call from west creek financial at XXXX XXXX then again at XXXX
|
| 03/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I opened a loan for a piece of furniture through Koalafi. I agreed to pay off the loan in three months so that I wont have to pay interest. I was making a payment of {$180.00} a week to pay it off. I had two weeks left with a total balance of {$370.00} so I made a final payment in that amount. The following week they continued to charge my card {$180.00} so I had called to get a refund for that since I made the payment towards paying it off. They refunded me XXXX {$89.00} payments from 2 random months before. the following week after they took out the {$180.00}, they continued to charge my card another {$67.00}. I had called and they said that my loan was still open because they had refunded me the past month payments so now they say that, I have to continue paying the interest which is the same amount of the couch itself. My loan is currently sitting at {$2800.00} when I already paid {$2500.00} for the couch. XXXX XXXX be paying for this is {$5300.00} for something I paid off within the 3 months.
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reviewed my account through the company web portal for customers. I learned that my payoff amount was XXXX on XX/XX/XXXX. I EXCITEDLY, whipped out my debit card for payoff amount. The ledger showed that I was paid off. The company the next day takes an additional amount of XXXX on XX/XX/XXXX. I made an inquiry about this amount, after being antagonized by the supervisor ( the csr did a warm transfer stating what my problem was ) XXXX said that my payment was scheduled to be withdrawn from my account prior to the payoff, and the payoff amount was added to regular payment.
There is no stipulation suggested or any other practices explained that this is the practice. Which I find to be unethical. YOU can not state my amount is to payoff is XXXX XX/XX/XXXX. legally take more money after the ledger suggest I'm paid off. I have paid over XXXX on a loan that should have only cost me XXXX. So why be concerned if I've already overpaid. Because this practice is unethical and I want my XXXX.
|
| 08/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had repairs completed on a vehicle and was approved for financing through XXXX XXXX. I was told that the initial payment of {$40.00} was due at the time of signing, which was paid. The agreement signed for their company also indicates that this {$40.00} as in initial payment. However, the payment amount of {$40.00} was not deducted from the total amount due. When contacted, the company states this was an application fee. However, there is no documentation or notification that this was an application fee that would not be a payment deducted from the amount due. The company refuses to deduct this {$40.00} from the total amount due. On review of their website under FAQ, question XXXX asks about an application fee and the company response is " At the time of application, a small hold ... will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released. '' No indication of any application fee.
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello, After signing my lease I have been in contact multiple times trying to respond to customer service and received no response to help assist with a reasonable payment plan. For several weeks I made on-time payments, then when changing jobs notified koalifi I missed a payment because my weekly paychecks were transferred to monthly checks. Instead of a reasonable customer service agent reaching out to help get me back on track, I was told my missed payment now made me ineligible for a 90-day payoff and the interest on my loan was doubled and reported to the credit bureaus. I purchased {$2800.00} of furniture and made several payments over {$100.00}. My balance currency shows I now owe Koalifi over {$5000.00} and the cost of my loan has more than doubled. This is unacceptable and under the guidelines of the FTC and predatory lending regulations. When I signed off on my purchase at the store no one explained the cost of loan would more than double and destroy my credit.
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
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A loan for car repairs was taken out without my consent by the owner of the body shop called XXXX XXXX XXXX XXXX XXXX. This occurred on XX/XX/2023 for the amount of {$2800.00}. I reached out to my bank due to an unauthorized transaction of {$550.00} from the lending company, Koalafi or AKA West Creek Financial. I called Koalafi and explained how I did not give consent for any loan to be opened. Also, I did not sign anything or see any paperwork in reference to this loan. The owner of the body shop inputted all my info without telling me about the loan, the terms/ conditions, and most importantly he forged my signature. I never signed anything. The rep said she was going to contact the body shop and then contact me. That never happened. I filed a police report for the fraudulent activity, I also filed a complaint to FTC. Lastly, I filed a dispute with XXXX. Ive done everything in my power to notify the correct agencies about this fraud and nothing has been done.
|
| 03/30/2021 |
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 |
|
|
After paying off the balance owed on an account, the company " West Creek Financial '' reported that the account was paid in full and closed the account with full knowledge that closing an account negatively impacts a person 's score. I have spoke with this company several times to request that they could simply report that the account is paid in full. I also informed this company that they target low income communities and minorities to offer their services to then turn around and destroy their credit. People in low income communities are already struggling, and at no time did the store I purchased the items from nor was I made aware on my receipt that once the account is paid in full the account would be reported as closed. It is very mis-leading and this company has numerous complaints on file with the XXXX and they should not be allowed to offer services under false leads. I would like this company to remove that the account is closed from my report.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a loan with West Creek ( now called Koalafi ) before without issues. My second loan, they reported two late payments on my credit report. I paid off the FULL BALANCE of XXXX XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with Koalafi directly have been unsuccessful.
Ive reported to the XXXX and Koalafi advises that theyll reach out to me directly or I can reach out to them directly.
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.
|
| 12/13/2022 |
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- Someone/ Or persons have received appliances from west-creek financial- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts.
Please know that the Only accounts that should be reporting on my Credit Reports is below.
XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX XXXX remove all others.
I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent.
I have been a Victim and advocate against such crimes since XXXX XXXX XXXX XXXX XXXX
|
| 08/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In XX/XX/2019 I purchased a set of tires from XXXX in XXXX XXXX, WA. for approximately {$650.00} dollars, and they set me up through West Creek Financial as the only option of making monthly payments on the tires. When I made the purchase, I was not made aware nor was I given paperwork that the payment must be completed in 100 days, and XX/XX/XXXX still does not have paperwork to back this. West Creek Financial also never notified me by mail or email at any point during this period of time about this 100 days to pay the debt.
When I realized I was being charged beyond my initial purchase amount, I called West Creek Financial and they told me my balance is over {$1500.00}. West Creek Financial was not able to explain these terms to me over the phone, and XXXX could not explain it in person when I re-visited them to fix the issue. So my debt was more than doubled and this is something I was not notified of by anybody.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Westcreek, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.
They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results.
I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment.
If you can expedite this request to look into this matter for me, I would really appreciate it.
Thank you in advance.
|
| 08/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i was under the understanding that i made a agreement to freeze the account back in XXXX and i finally with back to work in XXXX and i made a payment arrangement made a payment and was to start to make payments to have this account paid off and as soon as i made the payment west creek financial started reporting the account 60 days late now i had to pay the account off with money i don't have so my credit report don't have any bad marks on it i believe they lied to me and now they are saying i have to wait 30 days before they can do anything i do believe this may be a violation of the cares act.
XX/XX/XXXX made a XXXX payment payment arrangement was to pay XXXX per month starting XX/XX/XXXX to have agreement paid off in XXXX XXXX but as of today XX/XX/XXXX i paid it off XXXX i believe they set me up to report this on my credit report and took advantage of me as a consumer.
|
| 07/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Had my vehicle repaired at a friend 's place of business. In the past, the owner had allowed me to make payments if the bill was large. This time, she said she was unable to, due to the larger amount of the bill ( {$1100.00} ). She stated she knew of a company that she had previous dealings with that may be able to help, and gave me their website address. I applied and was accepted. Feeling I had no choice, since I need my vehicle and can not afford to purchase another, I accepted all terms and conditions. The entire transaction was accomplished online. Upon further thought and investigation, I realized the loan would cost me about twice the amount of the bill over the 1 year term of the transaction ( 12 monthly payments of {$190.00} ). Nowhere in the transaction terms was an interest rate mentioned ; rather, the transaction is referred to as a " rental ''.
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 08/28/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I purchased a mattress set on XX/XX/XXXX and they have me down for payment all they way up to XX/XX/XXXX, now that is too long to be paying on a mattress. It's not the entire bedroom set just a mattress and boxspring.
The payments every month is {$150.00}.
I made a payment on XX/XX/XXXX in the amount of XXXX and the payoff yesterday said {$47.00} which I was going to make today XX/XX/XXXX. I checked the system today XX/XX/XXXX to make the payoff payment and now the amount has changed, it's now {$100.00}.
I need to know what happened within the past 12 hours to make it charge an additional {$55.00} dollars.
The item was originally {$850.00} I'm paying for this item three times the cost. I've already paid a total of {$1700.00} as of XX/XX/XXXX.
I need someone to help, this just too much money.
Thanks
|
| 03/16/2022 |
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 received a notification from my XXXX app about my personal information ( email, Drivers License etc. ) circulating the Dark Web. Naturally, i was prompted in the app to " Lock '' my credit report. I received another notification a couple of days later about a credit account with a West Creek Financial/ XXXX XXXX XXXXXXXX that was added to my XXXX credit report and that's when i understood that the lock I put on only locks fraudulent activity for XXXX and not XXXX or XXXX inquiries. I immediately called the provider of this account on XX/XX/2022 and also sent an email to their address XXXX and was informed that I needed to file a complaint and a report with FTC first and then with XXXX second to get this matter closed and resolved. Hence, why a complaint is now being filed.
|
| 12/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022, I accessed my credit report and discovered an account that I did not authorize to utilize my credit or social security number. I called the number listed under their company name on XX/XX/2022 and the supervisor would not offer any information on their company besides it being a private company, upon further investigation it is listed as a foreign corporation. I requested proof of contract which I was told they are a paperless company and would electronically mail me the contract in 2 business days. I asked for their EIN/TIN and trustees name of the company so I can take further action and the supervisor refused to answer any of my questions and ended our call. The company is listed as WEST CREEK FINANCIAL XXXX XXXX located in Virginia.
|
| 07/31/2023 |
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 am interested in processing disputes on my credit report to delete all inaccurate information that is hurting my file with XXXX XXXX XXXX XXXX looking over the report alot of data has been invalid and caused a lot of denials due to mislead information. please review and delete all listed items ASAP to help clean my file.
The account : WC/KOALAFI was opened in my name on XX/XX/XXXX to an address I've never been associated with and without my approval. With a balance of {$1600.00} and this account was charged off as a bad debt on XX/XX/XXXX.
ON XX/XX/XXXX I sent in all requested documents for this to be removed as fraud it wasn't done, and I called again today on XX/XX/XXXX and was told to send it again I sent the documentation again.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
West Creek Financial on XX/XX/2020 report an account as an Closed/Charged Off on my Consumer Report and this is a violation of my Constitution Rights. For 15 USC 1681 ( b ) ( A ) ( 2 ) states " Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. '' I never in no way shape of form gave West Creek Financial permission to present any Consumer Report on my behave so i want this this reflection report from them removed immediately.
|
| 07/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
From XX/XX/2023 to XXXX XX/XX/2023 Ive been getting frequent/repetitive calls from XXXX. I went through them because of some furniture I had bought. I get calls multiple times a days from different numbers but mainly 1 number. I got accepted for a loan for {$1900.00} but only had to use {$1300.00}. I was told I had to pay XXXX every week which is alittle needy. Ive paid XXXX of it so that leaves me with XXXX left. Forgot to mention they are charging me XXXX instead of XXXX. They ran my credit card debt up while I lost my job and providing for my newborn. They made my credit score go low. To the point I couldnt find an apartment to accept me to live. So I paid XXXX of it but now my total is XXXX instead of XXXX
|
| 06/23/2020 |
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 |
|
|
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation.
The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company named West Creek Financial is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted West Creek Financial directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.
|
| 09/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a furniture loan on XX/XX/2019. I financed around {$3000.00}. The same as cash loan was for 100 days. If you don't pay the loan off in 100 days, the fee is 105 % of the original loan. This is one of the worst finance companies I have ever seen as far as usury.
They KNOW that most people can not pay {$3000.00} or whatever they're financing in 100 days then the lease fee kicks in. So I financed the {$3000.00} and I'm paying well over {$6400.00} to pay it off. This is more than TWICE what I financed.
I have been paying this loyally every two weeks and I'm pretty sure I've paid the original amount back and now in the process of paying the high lease fee payments.
|
| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have had a lease set up with koalifi. At the beginning of the lease I was not allowed to make payments I contacted the company and the timer had not started yet. Then I was allowed to make payments. I continued making the payments until I got the number low enough to some thing I could pay off in one lump sum. I contacted the company to pay off the loan. After I was hung up on a few times I finally got through to somebody and they informed me that I had missed the deadline. I was never formally given the deadline. I have paid {$2300.00} of a {$2700.00} loan. Im ready to pay the remaining XXXX but instead they want XXXX and thats criminal for being five days late
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/ a person made a purchase at a store called XXXX XXXX XXXX XXXX XXXX XXXX The purchase was for {$1100.00}. This person gave a phone number of XXXX. This phone number is XXXX digit different than mine. The finance company was Koalifi, who then sold the lease amount to West Creek Financial & closed it for {$900.00}. Their phone # is XXXX No money came out of my account, but this shows up on my credit report. I am not the person who made this purchase nor am I the person who defaulted on this purchase. I need to have this incorrect information removed from my credit report as it continues to affect my credit report negativly.
Thank You.
|
| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX i called XXXX XXXX to discuss my account. They advised me my balance was {$730.00}. I went ahead and made a payment of XXXX dated XX/XX/23. I called again the next day I wanted to pay off the amount of XXXX. They cancelled the payment and advised me that the new payoff would be {$880.00}. I asked XXXX XXXX supervisor ext XXXX how the balance got so high in 1 day. XXXX XXXX was very rude. She said that she was not going to take the pay off of {$880.00}, she said the new Payoff to {$1600.00}. I begged her not to pay {$1600.00} and she advised me to pay {$880.00} which is {$140.00} more than the amount given day before. Can they do this?
|
| 06/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I was double-charged for my HVAC system loan which put my bank account thousands of dollars in the negative. When I called to rectify the issue, XXXX told me that it would take up to XXXX ( XXXX ) business days to have the double-charge reversed. I asked to speak to their supervisor, because this is completely unacceptable given that it's Koalifi 's fault. Their supervisor told me the same thing and advised me to contact my bank to put a stop payment on the amount.
This is completely unprofessional behavior and I do not understand at all why the company could not wire me back the funds it double-charged me for.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear cfpb, on XX/XX/XXXX I check my credit report and notice that I have a late payment from west creek financial XXXX with the total balance of XXXX. I reached out to the company to receive more information about the account, because the account was open back in XXXX of XXXX. Using my personal Information, koalafi west creek financial XXXX couldn't find an account using my information. they then instructed me to make a report to the police XXXX XXXX XXXX Illinois, and to reach out to XXXX Credit bureau to report fraud. I am unaware of the actions taken on this account and I would like to report fraud.
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 02/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I saw on my XXXX credit report that I had an account with West Creek Financial but I never opened one. After submitting a dispute through XXXX, I informed West Creek Financial about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my XXXX credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
|
| 05/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
When you try and reach them, they are not available. I have noticed that when my payment comes due, they just cancel it. No notice no phone calls no email no nothing. I do not ever hear from them. When you try and use their website, it continuously gives you errors and does not allow you to proceed most of the time. The last three payments have cancelled, and they have not notified me at all. Why is this happening? This company has got some shady practices going on here just like some others of the XXXX XXXX category. I want answers and will not be held responsible for their negligence.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
WESTCREEK FINANCIAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION TO MY CREDIT TRADELINES. INITIALLY THE REPORTED THE ACCOUNT AS CHARGED OFF WHEN IN ACTUALITY I PAID THE ACCOUNT OFF.
TODAY I RECEIVED A NOTIFICATION THAT MY ACCOUNT WAS REPORTED MISSING PAYMENTS TO MY TRADELINES, I PAID THE ACCOUNT OFF IN XXXX OF XXXX AND THE COMPANY IS REPORTING IN XXXX THAT I MISSED A PAYMENT.
I PREVIOUSLY FILED A COMPLAINT AGAINST THIS COMPANY FOR INACCURATELY REPORTING INFORMATION AND I FEEL AS THOUGH THIS IS RETALIATION FOR REPORTING THEIR INACCURATE CREDIT REPORTING.
|
| 04/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I went to XXXX XXXX ago on XX/XX/2023. I applied for a credit and was approved for {$300.00}. I plan to get furniture but my bank stated it could possibly be fraud and i could cancel the XXXX payment which i did and didnt go through with the order. I contacted the loan company and told them and also submitted XXXX AFFIDAVITS. On XX/XX/2023 the went into my account and withdrew XXXX. I called the company and they stated the furniture store said i received a twin bed i never received. I went to the store and it was closed and they were not answering my calls.
|
| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a lease to own account showing on my credit report. There's only a record of an XXXX payment, when in fact I made all my payments for XXXX and XXXX as well. The way the plan works is if you pay off the balance within 90 days, you're no longer charged for the item and own it outright. I've done this. My credit report still doesn't show that the account is now paid off and the line is closed. It also still doesn't show the accurate payment history made by me. I've tried to flag this for both the credit bureaus and for the company, but to no avail.
|
| 01/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My son 's car needed an engine replaced per XXXX XXXX XXXX in XXXX, Kentucky. Unfortunately we didn't have enough money to cover costs so we were told to apply for a loan through Koalafi per shops owner and the money I was approved for was the exact amount he charged as well as not actually perform the services on the vehicle. The shop owner actual made fraudulent charges for work that was never performed just to have the vehicle go back into the same state. I've reached out to the owner but he isn't trying to work with me on making it right.
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I went to the bank XX/XX/2023 and was informed by bank personnel that I could not get a bank account because I was declined due to west creek financial dba has some thing on the XXXX saying abuse of credit and Ive never even heard of this credit union before and never had a bank account or anything with them before and looking at my credit its there but says closed and they have it on there saying I owe them XXXX dollars original balance of XXXX Ive never had them in my life and I didnt even live in Oklahoma when this account was opened.
|
| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/XXXX, I employed XXXX XXXX XXXX in XXXX, MT to repair my car. The bill for the repairs was approximately {$8000.00}. The company informed me that I could obtain financing for the repairs through Koalafi which fronts for the XXXX XXXX XXXX. It was stated that if I paid off the {$8000.00} loan by the end of the promotional period, I would owe no interest. The promotional period ended on XX/XX/XXXX. I paid off the complete {$8000.00} loan by XX/XX/XXXX. Instead of closing the account, they added {$1800.00} in interest to my account.
|
| 11/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.
|
| 04/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I have a line of credit through Westcreek For auto repairs.I emailed and also spoke to a representative and informed them to stop auto pay because the account was mine anymore and I have a new account I just wanted the auto pay to stop! I was informed that it was taken off and to just make payment and call in when I have my new account info.Agreed, well the company dismissed what was discussed and continue to withdraw even after I asked them to stop Ive repeatedly emailed with no response I just dont know what else to do
|
| 09/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Someone took out a loan from Koalafi for tires and received the product in my name through identity theft. I contacted them and was told they would report it to their fraud department and took my information. The person hacked in to my XXXX XXXX bank account and had the company take out an installment payment. I reported it to my bank and I closed my account and bank returned the money to me. I got an email today from Kolafi that it is going to collections when I had notified them of that being a fraudulent account.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a piece of furniture in XX/XX/2022 and financed it through a company named Koalafi. This company was paid in full for the merchandise and are still trying to say that I owe. I have contacted the company on several occasions in late 2022 and have spoken to a supervisor and nothing was resolved. This has impacted my credit score negatively and I am very upset and I unpleased with this merchant. They are continuously trying to take money out of my bank account after I told them they are not allowed to.
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Westcreek Financial has illegally placed the wrong debt on my account for the wrong dates ( date of first delinquency, date account opened ), they closed the account and have been reporting and updating the account amount and it keeps going up.
Please send my original loan agreement with my signature, the date the account was opened, the date of last payment. See bank account attachmented where they claim I paid them. They've violating the fcra for reporting inaccurate dates and amounts owed.
|
| 07/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When I opened the credit with Koalafi, the same night, I set up autopay to pay the bill in a timely manner. Once, I completed the autopay, it indicated that payment would be due on XX/XX/XXXX. However, I received an email indicating the bill is past due. How can the bill be past due when autopay was set up on XX/XX/XXXX. The email also indicated that due to the past due bill the terms of the agreement in terms of deferred interest are no longer applied to the account.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX/XXXX/2023 I noticed a west creek financial account on my credit report. I have never applied or had a west creek financial/ XXXX lease or applied for one. This has happed once before with an XXXX account. I believe my information has been leaked and scammers are buying stuff online with my information. Theyre saying its for a gaming computer from an online store. Ive never applied or even looked at gaming computers. Thank you in advance for your help.
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Ordered product from another company that does business with this company. This company did the financing for the product ordered. Never received the product. Company that product was originally ordered from will not assist or reship product. The finance company continues to debit my checking account and will not stop nor refund the money that has already been debited from my checking account. Both companies keep referring back to each other with no resolve.
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When I got a loan from them, I asked for 90 days of interest-free. I told them okay and provided my bank account. The company didn't take money from the account ; let it pass 90 days and start to charge by month {$220.00} twice a month. Eleven months ' payment of {$4900.00} has been paid, still a balance of {$2000.00}. Now they are telling me I have to sign the lease original amount is only {$2300.00}. I don't know why they charge me this much money
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Koalafi lent me XXXX through XXXX to repair my car in XX/XX/XXXX and on XX/XX/XXXX I had already paid XXXX covering the credit in its entirety and with a higher value, I contacted them by phone to settle my credit and they told me that I must continue paying until XX/XX/XXXX, in this way they would be charging me an interest of approximately 110 %, It seems unfair and exaggerated and if I don't continue paying they will ruin my credit.
|
| 09/06/2023 |
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 |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/23/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/17/2023 |
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 |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/17/2023 |
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 |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/27/2022 |
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 to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This company is up to their tricks again. Reported twice on my credit report late when I paid off this loan from what I borrowed.
I also believe it's a retaliation of all of the call complaints I filed against this company.
PLEASE SHUT THIS COMPANY DOWN. They are thieves. I financed {$2900.00} and they wanted me to pay back {$6200.00} approximately. This company is worse than a payday loan.
SHUT THIS COMPANY DOWN.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent the credit bureaus letters asking them to verity the deft on my reports. They have send it back to stating that everything is verified correctly. My credit report is still showing inaccuracies. 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.
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive reached out to this company several of times via mail, to explain that I have no acknowledgment of this item, which is inaccurately reporting on my credit file. This item has caused great damage to my career and financial ability. As Ive had several issues with obtaining financial assistance because of this inaccurate negative item. I will be seeking legal assistance for pain and suffering in regards to this item.
|
| 05/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My account with west creek finical finances a bed for me they had received payment I ran into difficulty paying I info them they sent it to collections last year last month they took money from my bank after they had sent me to collections in 2019 I have reached out to them directly left on hold for 3 hours sent emails and again they took money from my bank I have proof of all allegations I am making in this statement
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I received a loan to cover a mechanic bill. I am trying to pay off loan sooner since they are debited automatic payments. I have tried over 10x to access their loan portal with no luck. I can not access my loan statement or payoff information. They said they can not mail me a statement or email me a statement since they are a paperless company. I have called them 5x and I still can not get into my online portal.
|
| 06/21/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates.
XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/19
|
| 08/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Made purchase online with XXXX for tires and sensors. Company not able to ship in time so called koalafi to cancel loan. If I dont take delivery in California they can not charge me for the items. They have taken several payments from me and Ive never had the items in my hand to have possession. Calls to agents are a waste/ I want a full refund or will sue.
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
WEST CREEK FINANCIAL IS REPORTING ACCOUNT INACCURATE ACCOUNT SHOWS 30 DAYS LATE AND 60 DAYS LATE, THIS ACCOUNT WAS DISPUTED IN XX/XX/2020 IS CAME BACK AS VERIFIED AND NO DISPUTE REMARKS ADDED ALSO THIS ACCOUNT WAS LAST VERIFIED AND REPORTED XX/XX/2020 NOT XX/XX/2020, ACCORDING TO FEDERAL LAW THIS ACCOUNT IS IN VIOLATION PLEASE REMOVE ACCOUNT IMMEDIATELY
|
| 11/30/2022 |
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 |
|
|
ok this is what happens I lost all my documents about a year ago and at one point I was withdrawing money from my card I reported it to the bank and they never took me out again and now I go to XXXX and it tells me that I have a car loan of XXXX I have never used my credit for anything this is the name of the company WEST CREEK FINANCIAL XXXX
|
| 08/18/2023 |
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 |
|
|
WEST CREEK FINANCIAL DBA on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX for XXXX this definitely isn't it. Please help me fix this. Thank you
|
| 07/20/2023 |
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
|
|
Web |
|
|
XX/XX/2023 I got a {$600.00} loan from Koalifi West Creek Financial. With the loan about XXXX points were deducted from my XXXX credit score The loan was paid on time in good standing. I only received XXXX points back to my XXXX credit score after the Koalifi West Creek Financial loan account was paid/closed XX/XX/2023.
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter Monday, XX/XX/2023 from Koalafi saying I owed {$14000.00} on an account, and that I had two weeks to pay. I have never contacted Koalafi, let alone opened an account with them. Also, they do not show up on any of my credit reports, so I'm not sure if this is related to Identity Theft or not.
|
| 05/19/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This account was cancelled on XX/XX/2020. I have called several times for a refund and for my account to be cancelled. They are stating that it will take almost 30 days to cancel and refund my account which is unacceptable. I DO NOT HAVE ANY OF YOUR MERCHANDISE. CANCEL MY ACCOUNT AND REFUND ME MY MONEY
|
| 09/20/2019 |
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 noticed there is an account that I did not open reporting as late in my credit report. I lost my check book and immediately notified my back and they changed my account information to protect me from fraud. However it seems that some one used my old checking info to open and account in my name.
|
| 02/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I financed a mattress and box spring from West Creek Financial last year I set up two payment arrangements on my account and both time WestCreek Financial, canceled my payments. Now its on my credit report as account closed and now trying to get me to settle the full amount at once.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report
|
| 05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Went to a XXXX XXXX XXXX XXXX XXXX to have some front end work done only applied for snap credit and was approved to pay for the repairs later I discovered I was charged for some rims and tires through West Creek Financial that I never purchased are applied for west creek financial
|
| 06/22/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
PLEASE SEE ATTACHED PRE-ARBITRATION NOTICE BILLING ERRORS BREACH OF CONTRACT POSSIBLE TAX FRAUD FALSE AMOUNTS OWED XXXX XXXX ACTING AS A DEBT COLLECTOR MISLEADING FORMS TO COLLECT A DEBT NOT OWED REFUSAL TO SEND REQUESTED DOCUMENTS ELECTRONIC FUNDS TRANSFER AFTER CONTRACT
|
| 08/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My information was exposed in a data breach I don't owe these people anything nor have I contracted with them please direct them to cease and desist and stop contacting me. I don't give them permission to share my personal identifiable information with any third parties.
|
| 03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I applied for a line of credit in XXXX XXXXwith Koalafi formerly West Creek.I was denied credit, however they're refusing to return the {$40.00} fee which was debited from my checking account on XXXX want the funds returned because they were unable to provide services.
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
|
| 07/15/2023 |
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
|
|
Web |
|
|
I was in the mist of trying to buy a house. I realized I had damages on my report due to a charge off. I did not receive a 1099 form from the company. According to the 15 U.S.C 1681 Law there should not be damages on my report it is a defamation to my character.
|
| 11/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and noticed a account that resulted from identity theft. In XXXXXXXX XXXX XXXX someone created a account with a company called westcreeck financial in the amount of XXXX. This account does not belong to me.
|
| 09/13/2021 |
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 did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched.
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 12/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX lease reported XX/XX/2022 of which I have no knowledge ... ..personal information has been compromised in the past,,, recurrent/ongoing ID theft previously reported to FTC & XXXX
|
| 04/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Someone used my information to get a loan from koalafi on XX/XX/2022 in the amount of {$550.00}. I did not authorized this nor give permission for this company to run my credit.
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Received a collection call at XXXX XXXX central this morning, XX/XX/2019.
This company also calls me at least times a day, sometimes 5. It's getting out of hand. STOP IT!!!!!
|
| 03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ON XX/XX/2020, I PAID WESTCREEK FINANCIAL IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, WESTCREEK FINANCIAL REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt has been placed on my credit profile, this is not my debt I have contacted this company numerous times explaining this to them and they refuse to remove this debt.
|
| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was fraudulently opened and maintained. I've contacted the company and communicated that. They keep calling with promotional offers for existing members.
|
| 11/18/2020 |
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 |
|
|
I have filed a dispute in regards to the incorrect items on m y credit report. It has been well over 30 days and I have not received any investigation results.
|
| 09/07/2019 |
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 have disputed an item with West Creek Financial and they have had 30 days to mark a " Notice Of Dispute '' which they have fail to comply by federal law..
|
| 02/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Ive contacted the company to pay the remainder balance and was told I could not. I paid this furniture off, but now Im being charged interest.
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I was scheduled to pay off a debt with koalifi. When I called to make the final payment I was a few days late and they had quadrupled my debt
|
| 12/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 01/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
West creek financial .... the lending service used to buy my mattress.
They keep calling DAILY at XXXX!!!!
|
| 09/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My personal information was used to open an account at the XXXX XXXX located XXXX XXXX XXXX in XXXX
|
| 09/05/2023 |
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 |
|
|
My information was compromised and used without my permission XXXXXXXX XXXX Westcreek financial
|
| 11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
The interest fees are higher than informed. Very misleading and confusing information.
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently looked over my consumer report an seem this unauthorized account.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been paying on a debt I do not owe for over a year.
|
| 10/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Not my debt. Never opened a loan through this company.
|
| 08/27/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
It was another costumer with the same name as me!!!
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
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 |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2023 |
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 |
|
|
|
| 11/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
Older American |
|
|
| 07/31/2023 |
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 |
|
|
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2023 |
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 |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/07/2023 |
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 |
Servicemember |
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/12/2023 |
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 |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/12/2023 |
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 |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2023 |
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 |
|
|
|
| 12/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 12/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/20/2022 |
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 |
|
|
|
| 11/13/2022 |
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 |
|
|
|
| 11/08/2022 |
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 |
|
|
|
| 11/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 10/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Servicemember |
|
|
| 08/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/11/2022 |
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 |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Phone |
|
|
|
| 04/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 04/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/26/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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 |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2021 |
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 |
|
|
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/16/2021 |
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 |
|
|
|
| 02/01/2021 |
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 |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 05/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 10/09/2019 |
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
|
|
Phone |
|
|
|
| 09/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 03/22/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|