| 03/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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I am would like to file a formal complaint against XXXX XXXX XXXX, XXXX dba LoanMart located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX My account number is XXXX I am sitting and writing this in tears because this company sucked all life out of me since XX/XX/XXXX and today they repossessed my car again because I simply can not make these payments any more.
Out of desperation I took out a loan with LoanMart in XX/XX/XXXX for the amount of {$8800.00} to which they have added a prepaid finance charge or so-called admin fee of {$950.00}. They gave me this loan at the interest rate of 105.72 %. Each payment was to be {$780.00} My plan was to pay it off quickly, but due to personal circumstances this did not happen no matter how hard I tried and with increasing loan amount it became harder and harder to pay it off.
Below are my complaints against LoanMart ( and these are the main complaints, I could talk about their rude and dismissive customer service for hours. For the amount of money we pay them, they should at least treat us with respect and without threats! ) : First of all, on XX/XX/XXXX a new California law went into effect that now caps the maximum interest rate on loans issued by certified finance lenders. LoanMart is such a lender.
That law ( California Financial Code 22304.5 ) went into effect on XX/XX/XXXX - https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=FIN & sectionNum=22304.5.
Under that law, the maximum interest rate on loans from {$2500.00} to {$9900.00} is 36 %, plus the federal funds rate. This means that a maximum interest rate should be about 36.25 % to 38.5 %. There are related laws that invalidate loans that exceed those interest rates - https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=FIN & sectionNum=22750.
And there is a class action lawsuit against LoanMart that is going on at the moment for that same reason - that they ignored that new law ( California XXXX XXXX XXXX ) and continued issuing loans with high interests rates. The lawsuit is between XXXX XXXX XXXX Wheels Financial Group , LLC . There are tons of complaints about this just on this site.
The Department of Financial Protection & Innovation also launched an investigation into evasion of Californias new interest rate caps by LoanMart and confirmed that LoanMart ( although working with a bank in Utah ) is not allowed to charge above 36 % as permitted by new California law.
Do you think I was informed by Loanmart about this change in the law? No. They did not reach out to me in XX/XX/XXXX to recalculate the interest on my loan. I did not know about this until early XXXX last year, until I started actively doing my own research.
I tried to call and talk to a customer service representative about lowering my interest rate last year in XXXX and they said they do not know anything about this new law and can not help me.
Now, lets do some math here.
In XXXX Ive made 12 payments totaling- {$9300.00} and at the end of the year I owed them as much - {$9300.00}.
The new law was introduced in XX/XX/XXXX, my interest rate should have been no more than 36 %. Even if my interest rate was 36 % starting from XX/XX/XXXX, then I would only need to pay additional {$3300.00} in XXXX and {$13000.00} over the remaining 48 months.
However, from XX/XX/XXXX until XX/XX/XXXX ( for 3 years without knowing about the new law! ) I continued to pay 105.72 % and have paid LoanMart over {$21000.00} ( Ive made 27 payments as I was able to get deferment from them every 3 months or so as this loan was extremely expensive and I could not afford these payments ).
In addition, they repossessed my car in XX/XX/XXXX and in XX/XX/XXXX because I was late on my payment ( a little over 30 days late ) and I had to pay over {$500.00} in additional fees each time to get my car back from the lot. I actually had to pay an additional {$75.00} to just get my car released last year! Can you believe this? Do you think money is falling to me from the sky? If it was, I would not be getting a title loan in the first place!
My car was towed away again last night.
Now that I have overpaid for the last 3 years, I do not owe LoanMart anything, and I own my car! I demand my car back and additional {$8700.00} back - this is the money that I overpaid and I also want get paid for the emotional distress you caused me- for these 3 times that youve made me so stressed over losing my car!
2. I did receive 4 emails recently when ( I could not make payments any more ) offering to refinance this amount {$9700.00} at 51 %!
51 % is illegal in California since XX/XX/XXXX according to the California Financial Code 22304.5. But they still are doing this! They are still offering loans at 51 %! When will this stop? Even with all these laws and restrictions in place, they continue to scam people out of money!
In addition, which ( and please, look closely at what they are doing ) : {$9700.00} - this is NOT even my initial loan amount! This amount includes the administration fee of {$950.00}! So, not only they still believe I owe them the full loan amount, they are still adding that administrative fee on top of it and continue calculating interest on it! Since when do we pay interest on administrative fees? They pretend like this is my actual initial loan amount!
3. They also broke the law by contacting people Ive mentioned on my initial title loan application as references in XX/XX/XXXX discussing my loan with them. All 4 references. I felt so embarrassed that people I left as references were bothered by this! This is also illegal in California.
Just recently in XXXX they called my friend. I have a screenshot of their call that my friend shared with me. I assume again they called all 4 people that I left as references on my application!
When I was applying for this loan, I was assured they will not call them that that was just a formality.
4. They call twice and sometimes 3 times a day, which is also illegal in California. I have screenshots of their phone numbers. And they do call from 2-3 different numbers when they call several times a day. And this is on top of sending emails. Creditors may not call us more than 7 times within 7 consecutive days or call us within 7 days of talking to me about the debt. Everything outside of this is creditor harassment, is illegal and Im adding this to my case.
5. Finally, the customer service in addition to being rude and dismissive just could not get rid of the {$10.00} late fees on my account! Although, I paid the full amount plus the additional {$10.00} late fee, these {$10.00} late fees still stayed on my account. I could see them every time I log into my account online. And one of the customer service representatives even told me I should pay them! Just look at the monthly payments I had made- they included the {$10.00} fee when I was late. They are so incompetent!
If they can't see that I had already paid the late fee, and they can't differentiate between the actual loan amount and the administrative fee, they do not listen to the California Government and continue offering people high interest rate loans- how can we trust this company? Why are they still in business?
I could go on and on about how I felt abused by this company, but the bottom line is that today they towed my car again. The car that I own at this point according to the new California law.
They owe me at least {$8700.00}, plus the late fees ( they made me pay for the amount I did not owe them any more since I overpaid a long time ago without knowing ), and the stress, migraines and inconvenience they caused when they towed my car these 3 times.
I demand my car, my car title, and {$8700.00} at your earliest convenience or I will take other measures that I have already discussed with my attorney.
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| 08/19/2021 |
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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XXXX is in violoation of South Dakota codified law : XXXX because they are charging interest above the 36 % cap allowed. They claim to be the servicer of this loan and XXXX XXXX Utah is the lender and that is why they can charge more than 36 %. The law clearly states that even the servicer of the loan can not collect charges in excess of 36 %. The law is below.
Engaging in business after procurement of license -- Maximum finance charge -- Violation as misdemeanor -- Loan void.
After procuring such license from the Division of Banking, the licensee may engage in the business of making loans and may contract for and receive interest charges and other fees at rates, amounts, and terms as agreed to by the parties which may be included in the principal balance of the loan and specified in the contract. However, no licensee may contract for or receive finance charges pursuant to a loan in excess of an annual rate of thirty-six percent, including all charges for any ancillary product or service and any other charge or fee incident to the extension of credit. A violation of this section is a Class 1 misdemeanor. Any loan made in violation of this section is void and uncollectible as to any principal, fee, interest, or charge.
I have already paid XXXX {$3700.00} on {$2700.00} of cash loaned to me in the last 15 months from XX/XX/XXXX through XX/XX/XXXX.
I've tried to resolve this with XXXX in a fair way. I've told them just to release the lien on my title because they are unknowingly or knowingly breaking SD law by charging over 36 % which make the loan illegal and also make the principal, fees, and interest uncollectable. All I want is for this loan to be completed and to have my title returned to me.
It is very apparent that XXXX is using XXXX XXXX Utah as a rent-a-bank.
I have also learned that XXXX XXXX XXXX is not only involved in the XXXX Rent-A-Bank scheme, but they rented themselves out to many predatory lenders in order to circumvent state lending laws where there are interest rate caps.
Being that my only interactions with this loan have been with XXXX and never XXXX XXXX, from their marketing of the title loan, the threats of repossession, and collecting of payments, this is evidence of a rent-a-bank scheme to get around XXXX SD codified law 's 36 % interest rate cap.
And my payments have all clearly gone to XXXX and not XXXX Bank, this seems like it is a direct violation of XXXX. I can include screen shots of these transactions if needed.
And, XXXX says that they are the servicer of this loan, which again makes it illegal because they are not a bank. They are a servicer.
XXXX. Engaging in business after procurement of license -- Maximum finance charge -- Violation as misdemeanor -- XXXX void.
After procuring such license from the Division of Banking, the licensee may engage in the business of making loans and may contract for and receive interest charges and other fees at rates, amounts, and terms as agreed to by the parties which may be included in the principal balance of the loan and specified in the contract. However, no licensee may contract for or receive finance charges pursuant to a loan in excess of an annual rate of thirty-six percent, including all charges for any ancillary product or service and any other charge or fee incident to the extension of credit. A violation of this section is a Class 1 misdemeanor. Any loan made in violation of this section is void and uncollectible as to any principal, fee, interest, or charge.
XXXX XXXX is also clearly breaking the code below by being involved in deception. They have absolutely nothing to do with these loans other than letting XXXX put the name XXXX XXXX on the loan documents. I have called XXXX XXXX in Utah and was basically told the same thing. I tried to give them my loan number and asked for help in resolving my loan with them, and they would only say to call XXXX.
XXXX. Device, subterfuge, or pretense to evade maximum finance charge prohibited -- Penalties.
No person may engage in any device, subterfuge, or pretense to evade the requirements of XXXX, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction ; disguising loan proceeds as a cash rebate for the pretextual installment sale of goods or services; or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate of interest, consideration, or charge than is permitted by this chapter through any method including mail, telephone, internet, or any electronic means regardless of whether the person has a physical location in the state. Notwithstanding any other provision of this chapter, a violation of this section is subject to the penalties in XXXX.
All I wanted from them was to resolve this loan in a fair way, and they just offered threats and a crazy settlement amount.
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| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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On XX/XX/XXXX while I was shopping for a new car, I had the car dealership run my credit report and I found out that XXXX was reporting me as being late on the account that should have been closed and paid since XX/XX/XXXX. As a matter of fact they've been reporting me being late for a year since XXXX due to their own internal error. I reached out to them right away and spoke to someone from Titles Department which assured me that they will take care of this matter right away and request that all three credit bureaus to remove the reported late payments from my account since it was their company mistake. On XX/XX/XXXX I called again and spoke to their customer service. I've been told that they sent a request to their Compliance Department which conveniently does not have a direct line so I was unable to contact them directly. On XX/XX/XXXX I followed up again and I've been given the same stereotype answer that their Compliance Department has not process yet my complaint. Given the fact that this Compliance Department had two months to process my request and correct their erroneous reporting ( my first request in XX/XX/XXXX ) and clear up my credit I find it extremely upsetting and disturbing for this company who believes that they are allowed to destroy consumers credit without any consequences.
I will provide the supporting documentation for my statement.
In XX/XX/XXXX I voluntarily disposed my XXXX XXXX XXXXXXXX XXXX and came to an agreement with XXXX that I will be responsible for continuing making the payments until the company resells the car ( Notice of Intention to dispose attached ). Please understand that I voluntarily agreed to dispose of the vehicle and I delivered the car to the destination provided by XXXX. I was fully aware of the fact that I will be responsible to continue making the payments until the car gets sold and that I will be asked to pay the difference in case the car will be sold for less money than the amount it was owed by me to them. I released the car into their car XX/XX/XXXX and per " Notice of intention to dispose the Motor Vehicle '' I continued making the monthly payments to XXXX until I was informed by XXXX that the car sold in XX/XX/XXXX and that I am responsible to pay the difference. I was informed by XXXX that the balance to close the account after the sold the car was {$930.00} which I paid on XX/XX/XXXX ( payment receipt attached ). Since XXXX sold the car in XX/XX/XXXX and received the final payment from me on XX/XX/XXXX finding out more than a year later that XXXX kept reporting me as being late on my account was extremely upsetting. I couldn't understand how and on what grounds a financial company is allowed to destroy consumers life by damaging their credit and not taking responsibility for their erroneous actions. As a proof of them trying to cover up their own mistake when I called XXXX in XX/XX/XXXX the stamped date shows as XX/XX/XXXX. Why would XXXX settle with me on XX/XX/XXXX when they sold the car and received their final payment on XX/XX/XXXX? Why did XXXX started to report me as being late on an account which was closed since XX/XX/XXXX? XXXX never sent me any billing statements from XX/XX/XXXX through XX/XX/XXXX, never reached out to me to request any payments and I have not received any letter of any kind from their company. Due to their irresponsible and illegal action XXXX reporting damaged my credit. Their error which are unwilling to correct makes me unable at my age to refinance my home and get approved for a Reverse Mortgage which will be the best for a senior citizen in my situation. XXXX is taking advantage of me and my current situation. I should not have any late payments being reported on my credit by XXXX and the account should be reported paid and closed. It also shows as settle for less but since they've collected the difference from me this company did not lose any money by selling the car.
I am reaching out to you crying for help since XXXX keeps dragging their feet and not resolving their own internal mistake by reporting me late on an account that should have been closed and paid since XX/XX/XXXX.
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| 09/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Attempted to work with them on XX/XX/XXXX about a payment plan due to me getting sick with XXXX and getting XXXX which put me out of work for a bit. As far as I was aware there was a federal loan relief programs with give banking services the ability to charge 0 % interest and they still get assistance from the government. I was turned down for any potential with the program ( probably because of XXXXXXXX XXXX insane rates ).
XX/XX/XXXX a repo man attempts to repossess my car. In the state of Kentucky it is entirely illegal to enforce a repossession without first being sent a letter of repossession by the creditor. I never received such a letter, I even have proof from the post office that no such letter arrived.
Me and my mother contact XXXX about the loan/repossession and a second attempt to settle the loan at XXXX XXXX. We spoke to XXXX. My original loan was for {$2000.00}, I paid off one month of the loan ( we believe I paid two, but haven't gotten the bank statements yet ). So either I missed just one or two payments total based on what my bank confirms. Yet by XX/XX/XXXX my total principle was now {$3000.00}. They are saying I am being charged 9.83 % A DAY in penalties ( or on penalties ). We attempted to settle for {$2000.00} which was the original loan amount, they refused. They also refused to take money from a credit or bank card. We were told if we wanted to pay the loan we would need to wire the money in cash. We told them we would only pay with card because a cash wire has no paper trail. Not only that, but if we tried to pay with card we wouldn't even have enough to cover the " due '' amount they gave us. I also had asked for an email regarding my contract with the breakdown of interest v principle on two occasions. Both times I was told I'd receive an email shortly after the phone call. I've yet to receive ANY emails at all from them. They have ignored my calls completely at this point, only wanting to collect information on my car ( obviously for continued repossession attempts ).
When you call them they say they record all phone calls, I believe this to be important as evidence for their likely illegal lending behavior I will touch on in a moment.
I found out from doing some research that their lending practices are entirely illegal in both the state they lend from ( California ) and the state I reside in ( Kentucky ). California and Kentucky both have usury laws with interest and penalty caps on all loans. XXXX as a personal loan service is not an exception to either state 's laws and their max interest rate is WELL outside of the bounds of what is legal. As of Kentucky Usury Laws ( KRS Chapter 360 ) the maximum legal contracted interest rate is 4 % above the discount Federal Reserve Bank rate. At the time of the contract it was .25 %. Meaning the maximum legal rate I could have been offered in my state was 4.25 % per month. Going based on the new principle they are charging me close to 25 % a month ( and its ramping up due to the 9.83 % PER DAY penalty fees ).
According to my state specifically, if I were to receive a judgement I would be owed twice the interest I've paid, removal of the loan debt, and a possibility for the court to issue a multiple XXXX dollar citation for the loan company 's disregard for loaning ethics in the state. It has a two year statue of limitations which is plenty of time for me to decide if I want to sue.
I should also mention that I found out XXXX used to lend under " XXXX XXXX '' which was in a class action that received a judgement for {$7.00} XXXX dollars back in the mid/late XXXX XXXX. They quickly changed their XXXX as XXXX, and now are in two more class actions filed for in the last 3 years and have been sued on multiple occasions in California. I have been recommended on multiple times to go through arbitration or file through Kentucky as a criminal complaint on their lending behavior.
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| 05/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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XXXX XXXX, 2016 To whom this may concern : I recently pulled my credit after several years of not using my credit, and was shocked to see my report had a few accounts that were still open. XXXX of the accounts was 800loan Mart. I was under the impression that the car that was repossessed from me paid the debt back through the auction of the vehicle. I contacted the company in question and spoke to a representative XXXX XXXX XXXX XXXX that was able to explain to me what my old vehicle was sold for that I still had a balance. This arrangement was made in on XXXX XXXX, 2016. I was sent a letter and was told that my XXXX XXXX account would be charged {$100.00} per month until the balance of {$1200.00} was paid off.
A few weeks went by and as my bank statements came in I noticed that my account and payment was n't drafted out of my account on XXXX XXXX, 2016 as we had initially agreed. I placed a call back to the company and was routed to XXXX XXXX. On our first call I could tell that he was going to be VERY difficult to work with. The conversation took a different turn each time I spoke to him as I felt that he was taking this more PERSONAL then professional. Remember, I contacted the company to make good on this debt. He explained to me that the total cost was {$1300.00} ( a copy of each settlement letter has been uploaded ) and he was going to send me a settlement letter and that I needed to sign it and send it back to him in which I did. I explained that I was able to make a payment on this account on XXXX for {$100.00}. He also explained that the monthly fee was to be on XXXX XXXX and on the first of every month thereafter.
He contacted me on Thursday and advised me that the payment did n't go through because my debt card came back NSF. I had an issue with my bank and the payment could n't be processed until Friday XXXX. I called back on Friday XXXX to try and make a payment in which I was n't able to contact XXXX XXXX ( attached phone record ). Today XXXX I placed a call to XXXX XXXX and he advised me that the agreement was VOIDED out due to payment issues and that it would n't be reconsidered if I did n't give out my work information. I asked him as to why he needed such information and that the purpose of my call today was to make the payment ( {$100.00} ) XXXX acted in a harassing manner as to which he terminated the call with the fact that the original amount of {$6800.00} would need to be paid off in order to eliminate this from my credit. I asked him politely to level with me, and to resolve the issue which was the total payment on the account and not take this in a personal manner. He seem more interested in knowing my personal business like why I wanted to pay this debt, not to resolve the issue in hand. Again, I asked to keep my personal business out of this and he completely ignored the request and proceeded to ask where I worked at. He insisted on knowing my place of employment and asked repeatedly on my employment status. He advised me that the company would take me to small claims and threaten to sue me regarding the remaining balance. Again, I asked for him to not take this in a personal manner and asked if I could make a payment today. He told me the contract would be voided out and the amount that is owed is {$6800.00}. He acted in a unprofessional way and manner that he hung up on me after I told him that the manner in which he acted I was going to file a complaint with the FTC for violation of the FDCPA act ... This was the last time I spoke to anyone regarding my account at 800 Loan Mart ...
The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. The FDCPA provides a range of damages for successful FDCPA lawsuits, k including monetary damages, attorneys fees, and more.
I
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| 02/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I asked the Lender Loan Mart for a payoff amount in late XXXX 2016. I arranged for Loan Mart to charge my checking account the amount of the payoff. They charged my checking account what they said was the payoff amount. I then contacted them in XXXX 2016 to ask when my title document would be returned. They looked up my account and told me within 15 days. I called them again in XXXX looking for the title documents and they looked up the account again and apologized for the delay and said the title would be arriving any day. I get a call from Loan Mart at the beginning of XXXX and they are asking me for another payment. I check their automated system to check my balance and the system reports XXXX balance. For the past three weeks I talk to various supervisors and collection people who promise to check into the discrepancy and get back with me. Instead of getting back to me they send me notices of late payment. When I inquire about the balance they can not even tell what the amount due is. They say sure but when they actually check, apparently their system does not show an amount. In any event, the system showed a zero balance due in XXXX and all the way through XXXX. This information should be easy for them to produce. Their computer logs and recorded phone calls should be made available as they prove the system as late as XXXX XXXX said there was no balance due. Their system showed a zero balance since XXXX. On XXXX different dates. Loan Mart employees assured that my title documents are being returned because the loan was paid in full. These conversations are recorded.and should be provided bu Loan Mart. Loan Mart and other title lenders should never have been allowed to charge the interest rates. They failed to return my title documents as promised. How our laws were manipulated and changed to allow these people to take advantage of low income families needs to be investigated,. It is impossible for anyone to even understand the interest charges. When I asked them to explain, they gave vague answers and could not correlate the charge to a rate. How if they can make a mistake for three months as to the loan balance can anyone trust their very complicated interest rate scheme is accurate?. I believe most XXXX XXXX would like to know which legislators approved the legislation which allowed this travesty. It would be well worth every penny the CFPB can spend to identify which bills and which of our representatives voted to allow the changes. Is there any other form of lending in our country which allows for the effective interest rates well above a 100 %. Their definition of late is so ambiguous and it kicks in an even higher rates of interest.. I think most American Citizens would like to know what these loans really cost. I know my interest was nearly 200 %. It is criminal that they are allowed to charge over a 100 % interest rates. Again I ask who in our legislature approved these rates? I ask the Bureau to demand documentation which will prove my loan was paid in full. This information exists in their computer records because they showed zero balances and now they show a payment due. This was after XXXX different representatives looked up my balance and said the loan was paid in full and that my title documents would be sent. The ACH transaction I approved was the amount to pay off the loan. They decided the amount and confirmed the balance was paid off. How can they now send me notices that I am pass due. Never in our history has any other financial services businesses been allowed to rip off American Consumers as much as the Title Lenders. This level of greed is unprecedented.
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| 07/25/2016 |
Yes |
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Web |
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The past 3 months I have tried to make a payment online and with the android app - An error message says account locked.
I have called to report the issue. When I called I was placed on hold. After waiting XXXX minutes, I hung up and would try again later.
I have experienced this before, and the reason Loan Mart locked my account was that my account payments were not current.
I can not help the financial hardship I am in, however I do make my payments when I can. I explained to Loan Mart about my XXXX, and that no matter how many phone calls or how many affiliates contact me- my payment amount, or when I can pay, does n't change. I have become very ill behind the harassing phone calls- I 've consulted with a Lawyer and the calls have stopped, however, now the rule that if payment is not current, consumers are locked out of their account makes it impossible for me to make my payments.
I sent an email informing Loan Mart I have been trying to make payment with the android app and an error, " account locked '', appears. I have not received any response- I do n't want my car to be taken.
I have already paid off a {$2600.00} loan from Loan Mart - The loan was paid in full - after my third payment.
Loan Mart constantly harassed me - The first loan with Loan Mart I had a horrible experience and mentally lost it - Loan Mart and/or it 's affiliates harassed me to the point I had a mental break down.
I was 3 days late on a payment, I received over a dozen phone calls from Loan Mart and/or it 's affiliates - some of the calls came one after another after another - threats that they would take my car, and demands to surrender my car.
Different callers from different places on behalf of Loan Mart.
I could not handle XXXX I was overwhelmed and my XXXX - I have a XXXX and could not handle the XXXX caused by Loan Mart and/or it 's affiliates.
I paid the loan in full after only active for 3 months, ( I paid over {$3400.00}, for a loan I paid off in less then 4 months ).
I got the loan so that I could show a payment history on my credit report to increase my score.
I was set back financially after paying off the {$2600.00} loan which cot over {$3400.00}.
I tried for months to get back on track, but no matter how I tried, I was negative {$3400.00} from my budget.
Faced with a financial hardship - I explained to Loan Mart that I did not want to pay the {$3400.00} - I wanted to continue making payments to help build my credit score up, but I was so stressed out when the calls would n't stop, and the threats that they were coming to get my car - I just wanted all that gone away from me.
I was approved for another loan of {$2600.00} - another loan was given to me, however I am still faced with a financial hardship. I am frustrated overwhelmed, and my XXXX hurts.
I try and try to make my payments - I 've fallen behind, and as I mentioned earlier in the complaint how Loan Mart and its bully tactics prevent me of making any payments locking my account, Consumers can not pay online with the convenience of the on line account manager, or the android app when you fall behind in payments- This allows Loan Mart to use the Bully Tactic of demanding full past due payment, threatening to take your car or demanding you to surrender your car. Loan Marts bully tactics have cause me great mental strain in the past - I refuse to jeopardize my XXXX health, so I am reaching out for help.
I refuse to be bullied and have my rights as a paying consumer rejected.
Please help me. I tried to make payments, but Loan Mart locked my account and my payment ca n't be made.
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| 09/07/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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On XX/XX/XXXX I was approved for a {$2500.00} Title Loan with my first payment scheduled on XX/XX/XXXX. When I was finalizing my loan I asked about making a due date change to the XXXX of every month, to match up with my paydates. I was told it would not be a problem a week before my payment call into customer service and request a due date change. On about the week of XX/XX/XXXX, I called into ( XXXX ) XXXX XXXX to request a due date change and I was told that a due date change could n't be done for 60 days. I told them that my payment would always be late as I do n't get paid until XXXX of every month. The customer service rep said well it will take 2 days to go through so it should be fine. On XX/XX/XXXX my father suffered a XXXX XXXX that caused XXXX on his XXXX XXXX but otherwise stable. On XX/XX/XXXX my father slipped into a XXXX and was XXXX and XXXX was inserted into his XXXX to released the pressure. XXXX called me because the payment went through on XX/XX/XXXX and it did n't clear because I did n't get paid until XX/XX/XXXX. My father was my main concern at the time. I have POA over my father and since my dad been in the hospital I 've been there 24/7. OnXX/XX/XXXXXXXX XXXX started calling my corporate office asking for me and I was n't back at work yet. My HR department called my supervisor stating someone was calling about a loan I owed and wanted financial information. XXXX called my cell phone I told him not to call my employer discussing my loan or any financial information and that I could not receive personal calls. XXXX was very rude and disrespectful and threatened to take me to court, to garnish my wages by 25 %. I told XXXX that I did n't want to deal with him as he was plain rude and disrespectful and I wanted to work with someone else. XXXX told me too bad it do n't work like that and I hung up. After stating again DO NOT CONTACT MY EMPLOYER NOR CALL MY JOB. My father passed away on XX/XX/XXXX and I was out on bereavement and on XX/XX/XXXX my supervisor called me while I was at the funeral home and said someone continue to call the corporate office. Asking if I was employed there, was I at work today, and stating they were going to be sending a garnishment letter to them. My supervisor told them not to contact me at work regarding a personal matter as this is a place of business and we are not allowed to have personal calls. My boss has a Caller ID list for all the times they called after he and I both told them not to call. On XX/XX/XXXX XXXX called my corp office again and asked to be transferred to me but hung up the call when I answered, fortunately his number was on caller ID. Today, XX/XX/XXXX XXXX called my corporate office from his cell phone and I asked him was he calling my corporate office again, he basically ignored me and continue to talk over me. I hung up the telephone. 15 minutes later some guy knocks on our company door asking for me stating that he was sent by XXXX to discuss my loan. I told him I 'm at work and to come talk to me after XXXX. This is private property and they have no regard for anything and are down out harassing me. I 'm now on a written warning and my job is in jeopardy because they will not stop calling my employer, calling me at work and now sending people to my workplace. They are discussing my financial obligations to any and everyone who answers the phone in my corporate office.
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| 06/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title 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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In XXXX of 2022 I took a loan out with loanmart. I was told I could only borrow {$10000.00} and nothing less. In XXXX of 2022 I attempted to pay off the loan so that I didnt incur interest ( this loan is set at 388 % ) I authorized a first set of transfers and apparently some of them didnt go through. So I authorized another set of transfers that should have paid the loan off. Also please remember they are charging me {$5.00} per transfer and they are charging me 388 % interest per day this entire time. So I assume all of the transfers go through. I stop watching after the first few. Apparently the last transfer did not go through ( found out later the bank thought it was fraud because of the amount {$2000.00} per day each day over several days ) so I contact them to get it resolved ( a couple of weeks later when I catch the mistake ) and now they are charging me double the loan in interest and its their mistake. I authorized the pay off more than once. They continue to tell me this is my problem and they refuse to negotiate the amount of interest they want to be paid in full. They have stated multiple times that theyve tried to contact me and I want it to be known that they absolutely have contacted me- when they knew I was unavailable to take their calls. I will call them back on my lunch hour and no one is available to help me so theyll call back when Im in work, I work in the medical field so I cant exactly stop what Im doing to answer the phone. They are aware of this and continue to call while Im at work. And then say its my fault for not answering the phone. No, I authorized the transfers for an entire loan pay off, I shouldnt have to babysit and make sure those transfers get done on their end. I trusted them to do it and when I call them back they say I shouldnt have trusted them to do it and I should continue to check and make sure the payments get taken out. No other lender has ever said that to me ever. That I cant trust them to post the payments so its my job as the person paying to make sure it posts. So I need to do my XXXX jobs and their job?? So I paid them almost in full and the rest will be paid off soon instead of paying my rent. Just to get this loan paid off. They refuse to give an exact pay off amount. For example when I called last time and told them I would pay the rest next Friday I asked how much exactly would it be and they cant tell me. The interest is so high even they cant tell me what the loan will be next week. Currently I owe {$1800.00} still ( I have paid well over what I borrowed and continue to do so because I refuse to let them take my car ) but this is absolutely predatory lending. That loan should have been paid off before their killer interest and now they are attempting to bury me in the interest so that I can not get out of the loan which only benefits them - not me. I have also filed complaints with the XXXX, FDIC and I have contacted a lawyer that claims I am not the only XXXX in California being taken advantage of by their business practices. I thought this type of loan was illegal in California. I do not know how they are still being allowed to operate and do this. I would have never taken out this loan if it wasnt for the fact I was hit by a drunk driver and the other vehicle fled. Leaving me with the repair bill. So as you can imagine I am extra upset.
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| 05/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Many years ago I had a loan that I obtained with XXXX800 Loanmart. When I obtained the loan, I borrowed {$6400.00}. Throughout the years, I paid XXXX800 Loanmart much more than I had borrowed. In fact, according to their records, it was over {$21000.00}. But that is n't really my issue.
My issue is that not only did I pay XXXX800 Loan mart all of their money plus some, but when my vehicle was stolen and found abandoned in a field, XXXX800 loanmart decided to impound my vehicle, auction it, and keep all my money! For a long time I argued with them about it but in the end I grew weary and tired and decided to just let it go and let them win. Alas that was n't the end of things.
On top of XXXX800 Loan Mart taking my vehicle, selling it, and keeping the money after I had already paid them, they had the audacity to say that I still owed them money ... Not only that, but they were holding me hostage by placing numerous late payments and a charge off status on the account on my credit report! I had enough at that point. I was getting ready to sue but unfortunately I was attempting to get a H.E.L.O.C. at the time and I knew that a lengthy lawsuit would not help me. I spoke to the loan officer at the XXXX XXXX in XXXX by the name of XXXX and he said that as long as the charge-off was paid I would get the H.E.L.O.C. Against my better judgment I decided that my need outweighed my problem and I decided to pay XXXX800 Loanmart even more money. But I did n't just give it to them foolishly.
Because I had already had so many problems with XXXX800 Loanmart, I explained the situation to XXXX at XXXX XXXX about how XXXX800 Loan mart was defrauding me and literally stealing my money on top of ruining my credit. XXXX then reviewed my credit report and noticed I had an immaculate credit history over 10+ years. Not XXXX single derogatory account other than the XXXX800 Loan Mart. I then asked him if there were any options for me as to fixing this situation for me without having to go trough the lengthy lawsuit. He decided to call XXXX800 Loanmart with me and he spoke to an individual named XXXX. XXXX told XXXX that if I paid the {$3000.00} that they claimed I still owed them that he would remove all negative blemishes XXXX800 Loan mart was reporting on my credit report. At that point I finally gave in and decided to pay XXXX800 Loan Mart what they were asking for. Here we are a year later and I find out that XXXX800 Loan Mart is still reporting a negative account on my credit report.
Now, not only did I pay XXXX800 Loan mart more than they were owed, but they kept my vehicle and the money from the sale as well. They have lied to me in order to coerce me into paying them even more money and they are still ruining my credit report. I may be no legal expert but I know there are such things as ethics and laws to protect people from this sort of behavior.
I am asking for your help in getting XXXX800 Loan Mart to remove this account from my credit report like i was promised. I just recently spoke with XXXX who is still at the XXXX XXXX at XXXX XXXX and he recalls the promise vividly as it was made to him during his conversation with XXXX at XXXX800 loanmart. They are stopping me from being to obtain financing and if this continues then I will be forced to sue.
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of
verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
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| 10/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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I took out a title loan and sent all required DMV documentation and the title to the company per their agreement. I began making all payments as required.
The company began calling me and emailing me daily about 3 weeks after I took out the loan. They indicated they had not received the title to the vehicle. They also
indicated that they had received the signed DMV paperwork.
I had included both the title and the signed DMV paperwork in the same envelope. Loanmart became argumentative and stated they knew I had not sent the title. They stated they had video evidence that I hadn't sent the title. I informed them that 1. I Was overseas with the military and could not address this until I returned with the DMV. 2. That I knew I had sent the title and that if they had video evidence of the envelope being opened it needed to be shared with me as I was not responsible for them loosing the title. and 3. That their threats to repossess the car would be in violation of their own agreement as their loan agreement indicated that the only reason the car could be repossessed was if I failed to make payment on the loan ( I was current and continuing to pay ).
Early XXXX 2023 my neighbor indicated that my car had been stolen and tha tall that was left was the front bumper of the car sitting in my driveway. I received a phone call from LoanMart around the XXXX indicating that they had repossessed my car. I informed them that this had been done in violation of their own loan agreement and that they still had not provided proof that I hadn't provided them the title.
They told me they repossessed my car because " I had failed to do what I had promised '' not that I was late on payments or anything else. This language is not anywhere in their agreement and their loan agreement clearly indicates the ONLY reason the car can be repossessed is due to non-payment.
As the car was now repossessed I could only make payments using a payment services that were only available in the XXXX XXXX XXXX, I was unable to continue to make payments via the on-line portal or over the phone. I again informed them that I was overseas with the military. They did not care. I was never told where my car was so I could send someone to collect my belongings out of it. I was never sent any information on the sale of my vehicle and LoanMart stopped communicating with me beyond sending me a letter on rare occasion that indicates I now owe them almost twice what I borrowed for " non-payment ''. I called them to start the arbitration process that their loan agreement requires and they have not to date allowed me to start it, given me any indication of where/what has happened to my car, and have continued to report my car loan as being late and continue to rack up charges against me. They have not reported my car as repossessed on my credit, nor given me a chance to purchase it back and their repossession agent clearly damaged my car severely when they came to recover it.
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| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I borrowed {$5000.00} from Wheels Financial Group, LLC dba XXXX This money was borrowed through a " title loan '' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX.
After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend.
Nearly one year later, a process server left documents with my former employer indicating that XXXXt would be taking me to Small Claims Court to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my Small Claims Court trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXf XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe relevant case number is XXXX. The judgment entered on this case by XXXX XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim.
I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter.
Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary.
I have filed disputes with XXXX and XXXX regarding this matter. XXXX amended but did not correct the entry on my credit report. As of XX/XX/XXXX, XXXX continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX today. I was informed that XXXX XXXXoes not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''.
Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}.
Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated.
Thank you.
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| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im submitting a complaint to you today to inform you I was the victim of identity theft.
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of account/item which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 800 LOANMART XXXX Date Opened : XX/XX/2017 Balance : {$13000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 06/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I really needed to pay bills, so I decided to take out a title loan with XXXX XXXXXXXX is actually XXXX XXXX XXXX in XXXX XXXX, California. My 1st. payment was due on XXXX XXXX XXXX so I tried to use the application on my phone. The app is " XXXX ''. Immediately had issues because you can't make a payment higher than your interest only minimum payment using the app, so needless to say the app is useless! Immediately called XXXX & was told that I could make a higher payment on the phone, but that person had to get an override approval before taking my debit card. The guy asked for my debit card # s, and I then said I wanted to PAYOFF the loan in the amount of {$2600.00} or {$2800.00}. The guy said my card was declined from my bank because of a limit issue. I humorously called my bank " XXXX '', & that guy told me that I not only have XXXX limitations, but they're wasn't any denied transactions in any amount much less the {$2600.00} that loanmart said was denied! XXXX has all transactions recorded, so they told me no charge of {$2600.00} has tried or been denied on our end. I immediately called loanmart where another guy takes me through the process of making a payment, where I immediately get denied for the same exact " limitations from my bank ''. I humorously, " because I smell a scam as I just got this loan, so I'm sure they don't want me to pay it off because that's how they make most of their money ; but that's not my problem! ". So, humerusly I ask the guy to run my card for the interest only {$220.00} minimum, & guess what it worked perfectly! I maybe thought they were trying to run different numbers or some different expiration date or something, but that proved my card was fine! I told the guy why is my card good for {$220.00}, but not the amount of {$2600.00}? He replied with the same XXXX " limitations from your bank '', & I told him I just spoke with the bank and they're are XXXX limitations. I said well since you think my bank has limitations, let 's do ( XXXX ) payments of {$220.00}. He tried the 1st. one & guess what happened ; he said I'm sorry sir but your bank has denied the {$220.00}. What are you talking about, I just paid {$220.00} earlier today! Well sir your bank apparently has limitations, I was livid & told him to take a long walk off a short pier and hung up! Please help me with this XXXX company? All I want is to accomplish ( XXXX ) things from this complaint :. A ). I pay off my Title Loan and get my title back! B ). This XXXX XXXX Bank get shut down or penalized, so they can't continue doing this to human beings in the future! C ). You can imagine how many times this same thing has happened, & people just keep paying interest, so there needs to be penalties for future loan title fraud! Sincerely, XXXX XXXX Thanks Very Much
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| 03/06/2017 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
Older American |
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In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You
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| 10/11/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I took out a title loan in XXXX 2014 for {$5700.00}. I asked that night of signing the contract how the payoff process works and was told to just " pay off as much as you can ''. I was unsure of the principal balance and payoff balance but they insisted that it was the same. There was no explanation. I 've asked for a settlement after paying over {$7000.00} to them already and I 've lost my job and can not work right now due to medical reasons. I 'm considering bankruptcy if loanmart does not offer a settlement offer I can afford. I got the vehicle appraised for {$2000.00} and showed them the paperwork and pictures but they still refused and want {$4000.00}. I 've filed a complaint through the XXXX as well and their response was that they would be willing to negotiate the settlement offer of {$4000.00} or lower my interest. I can not afford to continue to make monthly payments so I refused the lower interest option. They stated in their response that they would negotiate the {$4000.00} but whenever I call the number they list, I 'm refused a negotiation and say they will not go lower than {$4000.00}. Why does loanmart state in their public response that they will negotiate the offer but in reality when I call they become rude and unwilling to negotiate. I spoke with multiple supervisors and the manager will not return your call for months unless you call them and demand them to speak with manager. They even wrote on their XXXX repsonse that I refused to leave the manager a voicemail once, but they did n't mention the fact that I had already left the manager a message multiple times before with no repsonse, that 's why I refused to leave ANOTHER pointless message. I also spoke with my account manager XXXX regarding my debt owed on XXXX XXXX, and he became very rude and started threatening me that even if I filed for bankruptcy, they will still come after me for the balance I owed and rudely hung up on me after further stating that he was going to proceed with legal matters. This information he gave me is false, I spoke with my bankruptcy lawyer already and he said XXXX is not allowed to threaten me regarding the debt I owed in this manner. I 've already gone through the XXXX and loanmart responds with false actions. I want to settle my loan with them honestly but am being lied to and treated unfairly through this process. I feel like I was led into a trap by signing this loan with unclear explanations and now can not escape this loan. I 've raised my settlement offer to {$3000.00} by borrowing money from family but that is the most I can borrow for this settlement but loanmart still wants more. My credit is already ruined and I do n't know what loanmart wants me to do.
|
| 05/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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On XXXX XXXX I woke up for work to find my car missing from my driveway. I thought my car was stolen so I called XXXX XXXX police department. I started crying as my husband died a year ago from XXXX and I have XXXX children who need to go to school and I only have one car. The police called back and said it was repossessed.
I was in shock as I was not behind on any payments. I have a title loan with Loan mart and I was a few days late but I paid over on the payment in XXXX and have never been late so I couldnt understand why it would be repossessed.
My kids had to stay home from school and I had to get a XXXX to work I am a XXXXXXXX XXXX.
I called Loan Mart and they were extremely cruel to me stating that they didnt repossess the car because I was late on a payment but because I didnt send them a piece of paperwork ( not the title ) that they needed a physical copy of.
I sent them an electronic copy of it but no one told me I needed to send a physical copy.
They told me they tried to contact me but I only received one of two letters in the mail asking for documentation and I couldnt understand what they needed since they had my title. I have been XXXX XXXX since my husbands death and can barely function so I was not able to as what exactly they needed.
At no point in time did they ever tell me my car could be repossessed.
XXXX started getting extremely nasty with me about why they were justified in taking my car for paperwork instead of calling me. Even though I told her I was XXXX XXXX XXXX XXXX
I had to pay {$480.00} to get it out of impoundment and then they made me wait until they received a signed piece of paperwork of what I didnt know they needed a hard copy of until they would let my car be released.
Loan Mart makes money from towing my car never mind the high interest rate on this loan. I had to rent a car which cost me even more money and I was at work while she was humiliating me on the phone.
As a XXXX this was one of thee most disturbing things I have ever experienced.
I was literally trying to XXXX XXXX XXXX and It was like the woman didnt matter.
All that mattered was paying the grossly high towing bill and yelling at me for things that were out of my control.
This is predatory lending as they moved my XXXX payment to the end of my loan and humiliated me at my job.
I did call them a couple of times to give them my new number and I really didnt understand what they wanted from me because they had the title to my car.
I have never been late on a payment and I am now being further punished by extra fees for car impoundment and rental cars and my children missed school.
These lenders dont care whose lives they ruin.
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| 07/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I originally obtained a loan for {$2400.00} from loanmart an payed it down to the last payment an was asked if id would like to take another loan because i paid this one off. One the same vehicle i decide ok that ill reloan the full amount. This was right before the pandemic an i believe i owed XXXX left an was {$14.00} dollers short on a payment an called to explain this. A Manager named XXXX got on the phone an told me " I was pathetic an that if i didnt pay the {$14.00} dollers he would come get the car an leave me an my kids walking in the rain. He said this laughing. Then other stuff like i hope you cant pay the {$14.00} dollers because ill do everything in my power XXXX just to make your XXXX walk '' At that point ibsaid Sir ive had enough of the threats to the point just come take the car then i hung up. They called me back from a cellphone immediately an said this '' XXXX, Ill burn your XXXX house down an leave your XXXX walking lol dont you know we have your address '' what he disnt realize is i had recorded it because i had a bad feeling it was them calling an i was right. The next day i called again an a female representative answered i explained to come get the truck an that everything was ok with it that i took the battery out of it but will put it in. She then said sorry, We cant take the truck because you said it was missing parts? Which i then stated mame the truck is in perfect oder an i dont want to be threatened anymore. She then states i owe {$15000.00} for the {$1800.00} i had left to pay. A couple representative contacted me afyer that an i played the recorded tape for them an they quietly apologized an hung up 3 different times.3 years goes buy an i hear norhing, I eventually get a different phone an no longer have the recordings as evidence because i thought because they threatened me an i clearly proved it to them that a manager threatened me on the phone the mattwr would be closed. Nope, Almost 4 years later im hit with a garnishment of my wages saying i owe XXXX for the XXXX i only owed them. How did it get to be that much? An why you think its ok to say ull burn someones house down is ridiculous over {$1800.00}. The manager that called me once knew exactly who this employee/Manager was who called me an told me this person was fired shortly after due to his unprofessional behavior an even apologized. I dont deserve this an i already paid one full loan an would have paid this one had i not been threatened an then after that my truck was towed away. So they towed the truck an still want all that money? Then stated they never towed it when we watched the tow truck come 5 days after that convo.. They are scam artists
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| 04/23/2022 |
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
- Their investigation did not fix an error on your report
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Web |
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Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the XXXX Bureau who responded that the information reported meets FCRA Guidelines. XXXX Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data.
A HUGE violation of my consumer rights is LoanMart re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. LoanMart re-aged the debt by over 2 years! Next, Loan Mart reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX.
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open Auto Loan. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.
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| 05/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Credit card payments system change, payments system not working properly to make payments online at XXXX XXXX website for several months. Loans are high interest at more than 190 % interest rate, and I can not input card information and there is no " send '' or submit button to process the information on the company website exists, the card payments section is completely falsely presented and not working. One must call the customer service phone line with long hold times and pay a fee instead of the free online card payments system previously accepted, a breach on the loan agreement for payment methods. I complained to the XXXX XXXX representatives in XXXX of XXXX that I can not make payments conveniently and I am paying more daily interest because I must wait on finding the time in my work schedule to call in and wait to make a payment over the phone. There are no answers to my concern, and I am ignored, or the phone line gets disconnected to avoid my complaint about the website. ( please see included dated images for the latest occurrence of this issue.
On XX/XX/2019, at XXXX XXXX, I attempted to make a {$1500.00} payment to pay down the balance and avoid high-interest accumulations. CSR ( customer service representative ) said I could not pay more than 2 payments in 21 days with a credit card over the phone. CSR said I could also not submit payment at XXXX XXXX branch, even in certified funds. CSR also said I could only make a payment through XXXX XXXX banks with the XXXX XXXX account number, but only if I paid the full balance of {$4200.00}. CSR then said they would only accept more money towards the loan at XXXX locations before XXXX, and there ar are fees attached to sending payments through XXXX systems of {$10.00} or more. I asked if I can use my checking account to make more than two payments over the phone, CSR said I could not make more than two payments on website either with a checking account, because an error message would occur. XXXX XXXX is purposely stalling the payment process and causing excessive expenses in addition to the high-interest loans, by making it expensive or impossible for the customer to make higher payments on the loan so the customer will continue to accrue excessive interests and either not catch up to the loan or default and eventually lose possession of the vehicle.
During the XXXX year, I received an excessive amount of calls to collect the monthly payment, even after asking them in writing to stop calling me.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Please remove this XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
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| 09/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Wheels Financial Group, LLC DBA Loan Mart as a servicer and XXXX XXXX XXXX as a lender are not registered in the state of Florida with Florida Office of Financial Regulation.
XX/XX/XXXX Signed Installment Loan and Security Agreement for {$2400.00} ; Loan Given {$2300.00} APR 178.51 % Florida law allows a title lender to charge you interest on your loan of up of 30 % per year for the first {$2000.00} you borrow ; 24 % a year for any additional money you borrow between {$2000.00} and {$3000.00} ; and 18 % a year on any money you borrow over {$3000.00}.
XX/XX/XXXX XXXX XXXX Payment of {$1000.00} and {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Payment of {$170.00} XX/XX/XXXX Debit Card Payment of {$200.00} XX/XX/XXXX Debit Card Payment of {$760.00} XX/XX/XXXX Loan Mart Repossessed XXXX XXXX XXXX XX/XX/XXXX Pay Off Balance {$4500.00} XX/XX/XXXX I received a email of current balance {$3800.00} and settlement of {$500.00} XX/XX/XXXX Florida Office of Financial Regulations confirmed Loan Mart as a servicer and XXXX XXXX XXXX are not registered in the state of Florida as a Financial Institution nor a Title Loan Company Florida Statute XXXX License required; license fees- ( 1 ) A person may not act as a title loan lender or own or operate a title loan office unless such person has an active title loan lender license issued by the office under this act. A title loan lender may not own or operate more than one title loan office unless the lender obtains a separate title loan lender license for each title loan office.
( 7 ) Each licensee shall designate and maintain a registered agent in this state for service of process.
Florida Statute 537.013 Prohibited acts.- ( 1 ) A title loan lender, or any agent or employee of a title loan lender, shall not : ( d ) Make any agreement requiring or allowing for the personal liability of a borrower or the waiver of any of the provisions of this act.
( f ) Fail to exercise reasonable care, as defined by commission rule, in the safekeeping of loan property or of titled personal property repossessed pursuant to this act.
( h ) Sell or otherwise charge for any type of insurance in connection with a title loan agreement.
( i ) Charge or receive any finance charge, interest, or fees which are not authorized pursuant to this act.
( j ) Act as a title loan lender without an active license issued under this act.
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| 04/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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On XX/XX/XXXX I was sick in the XXXX and my family got kicked out of our home and had to find a new place within days and with myself hospitalized it was nearly impossible specially considering I had no income and currently wasn't working. I am a XXXX mom of XXXX kids and no one would help me, I couldn't find a loan until I came across XXXX, I felt so rushed in having to fill out paperwork with a XXXX things going and not feeling good I just signed my name and didn't think twice about the interest rate because on the phone they said I would only encounter the normal fees for taking the loan out which they said was XXXX and the guy told me since my tax return was coming in I told him my plan would be to pay it off and he agreed and said yes you can pay off any amount on the loan even all .yet on XX/XX/XXXX I paid XXXX and only XXXX was applied to my loan and on the statement it does not show any interest they charged me and yet on XX/XX/XXXX I tried to pay XXXX thinking that my loan was for XXXX and was sent a statement in XXXX saying my balance was XXXX estimated before the first payment was paid on XX/XX/XXXX. But the website kept saying I've exceeded the monthly amount when I tried to pay XXXX so I kept lowering it until I got to XXXX which I paid and then got a statement with a new balance of XXXX so if it was XXXX prior and just paid XXXX that should be XXXX but it was XXXX again with no interest amount next to interest and nothing for any late days money collected XXXX. So how can they explain where this remaining amount went?? They couldn't when I called they said XXXX month that it went to interest for that month. How the heck can they legally charge me XXXX in XXXX month for interest? It made me cry because just in XXXX I went in and bought this car that they now have the title for and paid cash for it because I couldn't afford a car loan monthly. Then I found out their interest every year is XXXX percent and Washington has a cap on interest so how can they get away with robbing me. On the amount they want to collect from me is XXXX dollars on a XXXX loan, they mislead me on the phone and I feel like they took advantage of me for not knowing how any of that works not having done a loan before. Heard there was a lawsuit In California for same issue .what can I do?
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| 05/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title 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 have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.
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| 07/17/2016 |
Yes |
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- Received a loan I didn't apply for
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Web |
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I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law
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| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
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|
Web |
Servicemember |
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XXXX of XXXX I inquired about a title loan with XXXX XXXX and went into a contract based upon misrepresentation from the advisor that I spoke with I canceled the contract within the 3 days that's allowed in the contract. I never got a response from the company they never possess my vehicles title and I went with a different lender called XXXX and obtained a loan and paid it off and obtain a free and clear title once I paid off the loan. 3 years later in XX/XX/XXXX XXXX XXXX puts a lien on my vehicle using a power of attorney that was retracted and no longer authorized to use because I rescinded the contract that I was rightly entitled to do so say the contract. XX/XX/XXXX I reported my vehicle stolen and the police confirm that the vehicle was stolen because no repo company had reported the allege repossession that they are required to do so by law and on top of the illegal repossession which is theft there was items in my vehicle of high value that was stolen as a result of the illegal tow which is breaking the peace and also theft which is a criminal violation because the value of what was stolen out of my vehicle exceeds over {$10000.00} that I have the police report to verify. They want me to pay {$7500.00} to retrieve my vehicle back but as inquired about why this happened I was informed that the account they had for me was charged off in XXXX which they have received a tax credit for the original loan amount and now have stolen my vehicle and the third party vendor professional towing has damage my four-wheel drive vehicle by dragging it out of the driveway dropping it over bracelet then dragging it the other way without a flatbed or a dolly that is required and stolen items out of my vehicle is a definitely a cause of breach the peace. I have suffered tremendously because of this illegal action I've been without a vehicle for 2 months and now working XXXX jobs because of the financial hardship that this unscrupulous business has put me through. The fact of the matter is that I never gave consent to use my power of attorney from the original contract after I rescinded the contract which they did illegally to secure lien fraudulently to steal my vehicle.
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| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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I entered into a loan agreement with LoanMart in XXXX around the middle of the year. Things were fine. In XXXX they offered an additional {$1000.00} loan. I needed the money so I took it. This brought my loan total to {$2000.00}. I asked about moving my payment date. The man said hed send the paperwork. I didnt receive it, so my payment in XXXX was late. I called again and was promised the paperwork again. Would not take off late payment fee. Same thing happened the next month. In XX/XX/XXXX I finally got someone who explained that loan had to be current to change due date. I made my payment and called back the next day. Turns out they just had to send an email which I then signed electronically. Done. Around XX/XX/XXXX I started receiving phone calls and texts saying I had missed a payment, which I had not. First person I talked to said it was a mistake. Took off the late payment, so I thought I was good. Same thing happened in XXXX. I called and automated response said Id made payment, so I thought it was just another error and ignored. They kept calling. I talked to someone who said what had actually happened was I missed a payment in XXXX. Id made the payment but it was declined/returned a couple of days later. I disagreed and looked at my banking records which showed no missed payment. I called back to ask where to send copies of my records and was told that was NOT what had actually happened. What had happened was regarding the late fees I had accrued. I had approximately {$150.00} in late fees. My payments each month went to late fees and interest first, so therefore it was marking my payment as late each month. I couldnt afford to make a full payment, so I said Id make an extra {$50.00} payment each month until it was paid up. Everything was fine last month. This month I start receiving phone calls and messages again. I go to double check my payment went through and see that my past due amount has jumped up to over {$300.00}. I call today to try and straighten it out and the guy Im talking to doesnt understand me. I just told them Id made my payment, and Im going to start contacting whoever I need in order to report their loan practices.
|
| 07/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I received a call from Loan Mart, aka XXXX XXXXXXXX XXXX aka XXXX, explaining that they could pay off my XXXX XXXX XXXX XXXX and give me a loan up to {$20000.00} based on the value and miles on the car. I can quickly pay the car off in 12 to 18 months if I make payment three days before it is due, which will reduce my monthly payment. At the time, I was told that I only owed {$2300.00} after going through the XXXX XXXX plan and what was on my credit report. I was only going to get a {$5000.00} loan to pay off the car and take {$2600.00} to move. The trustee 's office sent my information about the car to who they made payments through the plan to XXXX. Then XXXX sent my information to XXXXXXXX and XXXXXXXX XXXX as a repossession, stating they did not want to accept a payment of {$2300.00} but {$5000.00}. Now I got to get a title loan for {$9900.00}. I wanted to hold off on such a high loan.
Loan Mart kept calling me day and night to finish up the Loan. I could not get the Loan without XXXX or XXXX providing me with the payoff letter. I got a collection letter from XXXX saying they wanted me to pay {$5000.00}. The operator wanted to talk to someone at their office. It took us two weeks to get in touch with XXXX at XXXX I did not get the payoff letter until XX/XX/XXXX, and then I got my Loan. The hassle was so stressful that I did not realize that the processer changed the agreement to 36 months for payments of {$800.00}. Then it was a big long fight about the title transfer. The customer service agents were confrontational and sarcastic when I kept calling. I got into an accident and was in the XXXX XXXX they didn't care. They still called me about the payment, and then Loan mart added extra fees, saying it was interesting because when I finally got the Loan, they backdated the Loan to XX/XX/XXXX, appearing that I had it for 30 days and then charged a late fee. As of today, I have been struggling to pay {$4900.00}. My rent went up to {$2300.00}. I thought this would be over soon until I found out they plan to take payment for 29 months. paying them back {$31000.00} for a {$9900.00} loan. I don't know what to do ; I have been had.
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| 09/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
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Web |
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I requested a title loan from loan mart on XXXX XXXX. I was informed by the representative XXXX XXXX that I could pay off the loan early at any time. However, when I went to the website I could only pay less than {$10000.00}. I contacted loanmart again and they instructed me to send a cashier 's check to the address located on my loan documents XXXX XXXX XXXX c/o LoanMart XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I sent certified mail including the {$10000.00} cashier 's check with USPS tracking number XXXX on XX/XX/2021. I called loanmart to check on the status of the check and they said nobody had gone to pick it up-spoke to XXXX XX/XX/2021. On XX/XX/2021 called loanmart again and spoke to XXXX and he informed me that they would be picking it up that day and will post 1-2 days. After several days nobody from loanmart picked up the check and it was scheduled to be returned to the sender. I called loanmart again and they said I sent it to the wrong address ; however I told them the contract specifically states to send it to that address which the agent I first spok to had informed me as well. On XX/XX/2021 I spoke to XXXX and this agent stated that I need to send it to another address and that pay off checks should have been sent to a different address. He also informed me that they don't do any pick up at the po box . but he would inform management to make an investigation as to what had happened and why was i not given the correct information, that if it was laonmarts mistake they would definitely correct it and not charge me the interest accrued.
On XX/XX/2021 I spoke to XXXX and explained my situation and he informed me what he also had on the notes, and given the situation and missed information that loanmart would honor the payment and the payment date. I contacted USPS to re-route it however they stated it needed to be returned to sender and I gave them my address. Along the way my mail got sent to Virginia and I requested an investigation. As of today XX/XX/2021 the investigation is ongoing and loanmart has threatened to dishonor the payment and the payment date since it has been several days which is out of my hands
|
| 01/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I have a title loan with XXXX XXXX and I have been trying to pay it off by making larger payments. They way they structure their loans and limit your payment options it is almost impossible to pay off the loan. I borrowed around XXXX a year ago, and so far have paid well over XXXX to them- but my balance is still over {$3000.00} I cant even give actual amounts, because their customer dashboard only lets you see what payments you made, not the balance owed.
This month, I paid them {$1000.00} to get the loan up to date because they said I was behind a payment. The next week I wanted to pay {$600.00} toward the principal. I called them, abd they said I couldnt do it online, or on the phone because they can only take 2 payments a month that way, and since my last payment was XXXX they were counting that as two payments. They made me go through XXXX XXXX ( which charged a hefty fee for payment ).
Today I looked at my account, and even though I called them in advance, and marked on the payment through money gram that it was to be applied to the principal- they applied it toward my next payments due ( on XX/XX/18, and XX/XX/18 ) which means that most of it again went toward interest. They now show me having a next payment due in XX/XX/2018.
I cant see how I will ever be able to pay off this loan, if every payment made gets applied to future payments. They are taking interest they are not entitled to take, and keeping me in debt by refusing to allow me to pay off this loan.
I would like someone st the CFPB to review my case and see where this has happened, and how much I should really owe at this point so I can get this paid off. I am not rich, and I have to sacrifice in other areas to make these additional payments. I deserve for my extra payments to be used to pay off the loan.
There are many others who have similar complaints. I would like the CFPB to look into loan marts practices, and force them to work with consumers to reduce the balance on their loans when additional payments are paid, and to be more transparent in displaying the loan balance. I shouldnt have to call each time to ask for the balance on the account.
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| 12/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
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Web |
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I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.
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| 07/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title 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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Beware of this company - They were intending to charge 173 % interest on a title loan from XXXX. The companys response is very unprofessional and somewhat catty with their comments even adding in thier last response to me that I must have " used a languauage for the internet that assist consumers in efforts to clean their credit up ''. Took out a title loan in late XXXX for {$2500.00} with a finance charge of {$8600.00} and total of payments {$11000.00}. After falling on hard times I fell behind on the payments and car was eventually repossesed. In XXXX when I was able to get back on my feet ( and after being continuously harassed, called and hounded ) I was able to agree with a rep to settle my debts. I was told that this would be removed from my credit, even though I was signing a paper that was saying the debt would remain on my credit the rep made it sound as though it was protocol and continued to pressure me into just signing the paperwork. I agreed to pay a balance of {$1300.00} and was told that the car was sold for {$3100.00}. Totaling {$4400.00} paid to loan mart, and a wopping {$1900.00} profit made on the original title loan. I made a general complaint about the company and in retaliation they added new negative remarks to my credit report that was not previously showing dropping my score all for sharing my concern and my known truth about my experience with Loanmart. They use intimidation tactics to pressure people into paying amount owed, signing their paperwork and manipulate people who may not have the best understanding of contracts or legalities. The amount of the loan was paid off, I tried my best to settle my past debt, its not like I am asking them to remove this from my credit after not ever making a payment. The car was repo 'd, I settled the debt and plenty of time has moved past and this big company wants to hold somones credit down going on almost 7 years after they took out a title loan. With this type of practices its no wonder that there is multiple class action law suit that is building against them.
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I took out a title loan XX/XX/XXXX. I paid on it for about a yr {$200.00} biweekly, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}.
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX, XXXX XXXX Way XXXX, XXXX XXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
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| 08/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I am reaching out to file a complaint against XXXX XXXX XXXX and its associate, Loan Mart, due to a distressing matter regarding a lien on my vehicle.
Two weeks ago, I settled a car loan that was registered with XXXX XXXX XXXX XXXX Loan Mart, and according to my records, I have cleared the payment for this lien in full. As a resident of Florida, I am aware of our state 's electronic title system which mandates that once a lien on a vehicle is paid off, the financial institution is obligated to release the lien within ten days. Given the efficiency of our state 's electronic system, this process is generally completed within 24 to 48 hours.
However, in stark contrast to these regulations, XXXX XXXX XXXX has not taken the necessary steps to remove the lien from my vehicle 's title. This delay is hampering my ability to use my vehicle freely and is causing undue stress.
Upon contacting XXXX XXXX XXXX, instead of assisting me directly, I was transferred to Loan Mart. At Loan Mart, I found myself in a loop of confusion, unable to get in touch with any representative responsible for handling titles or addressing my grievance.
It is deeply unsettling to find myself caught between these two entities, neither of which seems willing or able to assist me. The apparent negligence on the part of XXXX XXXX XXXX in particular is a clear infringement of Florida 's financial regulations. As a consumer, I believe it is crucial that financial institutions adhere to state regulations and ensure that their customers are not left in such frustrating predicaments.
I urge the Consumer Financial Protection Bureau to look into this matter and ensure that XXXX XXXX XXXX and Loan Mart are held accountable for their actions. My hope is that your intervention will expedite the removal of the lien from my car 's title and prevent future customers from experiencing similar setbacks.
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| 12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Web |
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On XX/XX/XXXX, XXXX XXXX was granted a judgment for the amount of {$4100.00} on a personal loan I obtained in XXXX. On XX/XX/XXXX, a XXXX XXXX employee, XXXX ( name may be misspelled ), from the Legal Department called my place of employment. XXXX failed to diligently locate the Personnel Department and spoke to a co-worker. XXXX spoke to Mr. XXXX XXXX, a XXXX XXXX, who addresses legal affairs for the inmates at my job. Mr. XXXX does not address employee legal matters or issues with debt collectors. On XX/XX/XXXX, Mr. XXXX emailed me requesting I give him a call. On XX/XX/XXXX, I spoke to Mr. XXXX, who informed me of the phone call between him and XXXX on XX/XX/XXXX. MrXXXX XXXX stated a woman called from XXXX XXXX, disclosed she was collecting a debt, and is trying to serve my job a wage garnishment order. Mr. XXXX stated the woman did not ask if she reached the correct department, or if she was speaking to the right individual. Mr. XXXX gave me the phone number he was given. After I left work, I immediately called XXXX XXXX and spoke directly to XXXX and identified her as making the call to my job. I informed XXXX she called the wrong department and she disclosed my personal business with someone who addresses inmates legal issues. XXXX denied disclosing my personal matter, however Mr. XXXX had knowledge of my pending garnishment due to XXXX negligence. Due to XXXX conduct, I suffered severe distress and embarrassment as a result of my personal business being disclosed. On XX/XX/XXXX, due to my Attorneys error, I filed for Chapter XXXX Bankruptcy for the third time, which was confirmed on XX/XX/XXXX. My plan is confirmed for me to pay 100 % of my debt owed to creditors, including XXXX XXXX. A wage garnishment order was served to my job on XX/XX/XXXX from XXXX XXXX, although the debt is included in the Chapter XXXX plan payment.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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Hello, I XXXX XXXX am writing this letter because I am the victim of identity theft with respect to the specific debt related to LoanMart XXXX XXXX XXXX XXXX, XXXX XXXX On upon checking my credit report because I am looking to get an apartment. I realize that I had an account from your company that I never opened or came down or online to sign any paperwork for that account that was opened XX/XX/XXXX. After contacting your company on XX/XX/XXXX I was informed that payments were being made to the account through my mother who stole my identity, who is XXXX XXXX she is now deceased still payments were being made up until the time she passed away from her and its been a year since shes passed she passed away XX/XX/XXXX, which is why the account is now in a negative balance because like I said, I never knew anything about the account to make payments to the account. And I have filed my FTC identity theft report account XXXX attached is a copy of that. and a copy of my identification, when my ID got stolen I to change the address to my mothers address who is XXXX XXXX because at my apartment complex our mailboxes were getting broken into so I had to use her address. And attached is a copy of a bill showing my current address. This has been putting a big financial impact on my credit for the last year on top of having my mother passing away from XXXX. This is not the only thing that she has put on my credit that Im trying to get removed as well. I really hope you guys consider taking this off of my credit because like I said is really hindering me and I had no knowledge of this account at all. Thank you And the company 800 loan mart is not complying with taking it off of my credit because like I told them, this is fraud, and I did not open this account. And they block the account and then they open the back up on XXXX XXXX.
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| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers.
On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : -800 LOAN MARTXXXX XXXXXX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my XXXX loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
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| 07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
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Web |
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Applied for and received loan XX/XX/XXXX. Amount of XXXX $ They stated they were taking upwards of XXXX $ out of loan to register and pay any late fees associated with registration.
i was informed that I will receive registration in mail within 2 weeks.
2 weeks after I receive loan my car was impounded for lack of registration.
It took 3 days for me to get a hold of someone at the XXXX XXXX- and I had to inform them that the registration wasnt valid.
Without my knowledge they taken my car out of the impound around XXXX XXXX XXXX and dont inform me until XX/XX/XXXX.
I am fired from my job because my manager, XXXX XXXX, doesnt believe what I am telling him about my cars situation, because its simply the worst luck hes every hear someone having. XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX releases my vehicle to me stating that they Are adding the impound, tow, and repossession fees to my loan. ( My first payment hadnt been due yet ). Not until XX/XX/XXXX. They will tel you that its XX/XX/XXXX, but since car was impounded- they decided to unconditionally waive the first month.
My vehicle was repossessed XXXX XXXX. During the covid lockdown period. When I asked them why a non-essential business was doing things like this, they told me to get a job.
I was evicted from my apartment 2 weeks before and had been living in my car.
No one from 800loanmart called me. It took me 2 weeks to find my car. Which is now up for auction.
I am homeless, no job and I cant get a job because they are closing gyms again. And I have no car. Please help me. This company has destroyed my life. Please help me. They didnt follow their first responsibility when obtaining my Title. This is wrong. I dont know what to do, and I lost all my medicine- I am a severe XXXX and have died from XXXX attaks before.
Thank you XXXX XXXX
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| 04/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
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|
Web |
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I am writing to file a complaint against Wheels XXXX Financial and their Director of Compliance, XXXX XXXX. My rights have been violated due to their harassing and abusive debt collection practices.
XXXX XXXX has repeatedly called me at all hours of the night, despite the fact that debt collectors are not allowed to call debtors before XXXX XXXX. or after XXXX XXXX. in California without my permission. His calls have been threatening and harassing, and he has increased my balance significantly. The harassment has increased since filing my previous CFPB complaint. This complaint was filed due to balance discrepancies. As you can see, theres a lot of animosity and a significant increase. {$11000.00} increase from a {$2500.00} loan, with the vehicle reposed and never credited. In addition, many other factors were ignored such as my attempts to email the company for relief during COvID. In addition, the company allowed additional fees to incur by not providing the tow yard a key upon their request, resulting in the locks being cut from the door. The lack of response from LoanMart was a financial charge to me although both myself and XXXX XXXX XXXX confirmed she tried reaching the company.
I have picture evidence and an email from XXXX XXXX in which he implies that I have no association with the XXXX XXXX as a member, and attempts to intimidate me. I believe this is a violation of my consumer rights, and I am deeply troubled by the behavior of XXXX XXXX and Wheels XXXX Financial.
I request that CFPB investigate this matter and take appropriate action against Wheels XXXX Financial and XXXX XXXX. I also request that my consumer rights be protected, and that I be compensated for any damages or losses I have suffered as a result of their actions.
Thank you for your attention to this matter.
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| 12/21/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I have a title loan with Loan Mart ( XXXX ) I have been trying to settle the loan since XXXX, 4 months now, and after talking to several representatives who said they would get a discounted Pay Out total, the total has never been provided. In the process they have sent me offers to defer payments to the back of the loan i.e. extend the loan at $ XXXX interest per day on top of the excessively high interest. I have now resorted to email communication to keep track but they refuse to respond. They have blocked my access from the website and remove ability to pay with a no fee bank draft. Later found option to login but only pay with high fee options. I spoke to a representative and she refused to allow me to make no fee payments.
During this process they have made me incur about {$1000.00} in interest and have been trying to reposes my vehicle. In other words, instead of facilitating a Total amount and guarantee of settlement in writing so I can end the loan, they are giving me the runaround, limiting my ability to pay all to raise the total and reposes my vehicle. This has cost me over {$1000.00} in fees which I should n't pay as I requested a Pay Out total in XXXX 2015. When I entered into the contract I was told I could request a payout total and settle the loan in full and get my title back at any point. They have not provided that option and just push to accelerate fees and charges to reposes my car. This is a fraudulent practice. I have tried to address this with the manager XXXX XXXX who as of now has refused to respond in any way. The loan account is XXXX Loanmart is fraudulently steering loans into growth and default to either extort higher interest out of a contract and prevent a settlement or reposes and sell vehicles worth many times more than the loan value
|
| 03/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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|
Web |
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I reached out to XXXX XX/XX/2019. the individual that picked up the phone I gave them my personal information to check on the status of my vehicle in the loan and why it was not picked up a year-and-a-half ago while I left it on the public Street and money times the tow truck came by but actually did not pick up the vehicle. the answer from The XXXX XXXX employee was the car was junked and it wasn't worth it for them to pick it up. since they never picked up the car I had to store the car for a year-and-a-half and I also got very busy taking care of my XXXX XXXX XXXX husband and I never was able to take care of this matter. yesterday I spoke to employee of XXXX XXXX in the collection department XXXX XXXX he said to go ahead and take pictures off the car and send it to him via email which I did exactly that. this morning I spoke to XXXX XXXX and he said his manager offered {$1700.00} to be paid on XX/XX/2019.
I just don't understand if the car was considered junk why are they charging me {$1700.00} and they will only put on my credit report paid less than owed amount. basically what they are trying to say is to pay and we will not fix your credit report which is unfair I will explain why I did my due diligence left them the car for pick up but they didn't follow the law to pick up the car and left it on the street and I ended up paying for storage of the car until today which is {$2400.00} or more they never give me proper disclosure for this type of a loan so I can understand it better.
Over the years I have paid very High interest rate unfair fees undisclosed fees to XXXX XXXX. I want them to send me for any statements for any auto loans that I have received from them to my current address XXXX XXXX XXXX XXXX CA XXXX
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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|
Hello.
My name is XXXX XXXX, I am writing this letter becuase I really help. I had this 3rd party loan since XX/XX/XXXX, when I went to XXXX and decided to stop my XXXX school and XXXX here becuase I get depress every time I open up my problems about someone hackingmy information but no one believe me. I am XXXX mom, but I work hard school me and my son day time and I go work at night since me and my son come over here in United State. I do had suspicious before XXXX someome hacking me becuase of my school account email or social media, every time I open my account always say 's wrong password. I didn't know about Data Breach XXXX, my information is compromise Anyway, my concern with this letter becuase I had this 3rd party loan from 800 loanmart since XXXX, I am paying this loan monthly since I am back here in USA XXXX XXXX with the amouth of {$450.00}. I admit I pay most of the time late for couple years. But since last year XXXX and this year XXXX. I already explain to loanmart last year about my situation. In fact in 3 Credit Bureau this debit is close. And I thought this debit is close last year. But for some reason the loanmart repossess my car yesterday XXXX in my parking. Then I call the loanmart yesterday and they transfer me to collection service. I spoke to the guy from collection service and explain to him my situation. He said all he can do is lower my balance to {$6000.00} instead of XXXX. I told him even {$1.00}, I don't this time becuase of my situation. and he said he will keep the car and sold it. Now I don't have car to go work or do anything.I am asking help this time. I hope someone can help me get my car back. Until now I didn't get any help from governments. Please I need help.
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I began disputing this fraudulent information back in XXXX of XXXX. I have done several disputes through XXXX, CFPB, the FTC, and with the company itself. The company responded to my previous CFPB complaint by stating that they've investigated the matter and concluded that I am falsifying my claim of identity theft " to clear up my credit ''. On XXXX XXXX I sent 800 Loanmart and the credit reporting bureaus copies of the following documents : XXXX Police Dept. report for Identity Theft, FTC ID Theft Report, ID Theft Affidavit, and my identification. Loanmart refuses to accept that they were manipulated into supplying a loan to someone that used my identity fraudulently. They also have responded by stating that they will not remove the damaging information from my credit profile, nor will they close the account for collections. I do not think they understand the concept of IDENTITY THEFT which means someone illegally obtained or retrieved access to my personal information and used it to illegally obtain services and or products. That means that the information they obtained to verify the loan they granted would of course be that of mines, and due to the fact that they forced me to use collateral for the only loan I did apply for and obtain in XXXX, that was also paid off in XXXX why would they allow another loan a year later and not require the same thing? that is a step in the direction of predatory lending. However, I did not apply for, nor did I obtain a second loan from this company, and I have submitted all documents to them that is required by law. If this complaint does not get them to comply with my request to remove this account from my credit report, I will pursue legal litigation against them.
|
| 02/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.
|
| 06/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
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I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.
|
| 10/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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In XXXX I took out a secured title loan with XXXX. The interest rate that was set forth at over 100 %. The loan was taken out using title of car in XXXX under my son 's name : XXXX XXXX Email on loan file is my email and has my son 's phone info. The car was a total loss in XXXX and insurance paid off the loan in full. XXXX has been harassing me and my son on the balance and they kept adding fees on the amount due? Harassing leaving threats on my son 's phone and I have tons of emails of collectors using profanity in efforts t collects. This debt was paid in full through insurance. Furthermore the statute of limitations has expire on this debt. Listed below is an aggressive attempt to collect on the debt. Also attached is a recent attempt to revive the statute of limitations by rewriting the debt. XXXX XXXX has not issued the proper disclosure per the FDCPA to advise the revival per the statute.
***Subject : Last Chance!!! XXXX Hello my name is Mr. XXXX my direct contact number XXXX, I will be taking the liberty finding a resolution with your file. Our intentions is to resume some communication. Long term goal is meet at a happy medium resolution to restore your good standing with Credit Bureaus. Your total balance {$4300.00} with a contingent Settlement {$1000.00} Good Still XXXX. Please make all effort to continue communicate with XXXX XXXX. Please take advantage of our assistance and finding suitable financial resolution. Feel free to contact me numbers listed below.
XXXX XXXX XXXX XXXX XXXX|Recovery Case Manager| XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX | PH : XXXX ext:XXXX | Direct : XXXX FAX : XXXX | email : XXXX XXXX
|
| 12/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
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XXXX LOANMART, Wheels Financial Group , LLC XXXX LoanMart ( " LoanMart '' ) operating out of XXXX CA, phone number ( XXXX was informed that the loan reported on my credit report was as a result of Identity Theft. For the past XXXX years, my credit report has a security freeze with instructions to call my cell phone before granting a credit. The people who keep using my social security number, have attempted several times to apply for the credit and those creditors who follow the instructions and have adequate policies and procedures when the security freeze is showing up, they all call me and I stop the process. I have never received any communication prior to granting this credit by the LoanMart nor have I authorized it. After I disputed this information, instead of reviewing their own file and identifying the gaps, LoanMart sent me a letter with XXXX items for me to provide : XXXX ) A signed copy of an Affidavit of Identity Theft == & gt ; there was nothing attached to the letter, which Affidavit would be satisfying for them?
XXXX ) A copy of the police report ( matching the police report case number that I filed and already provided ) 3 ) a copy of my personal identification I have a problem with providing my personal identification as well as the police report to the company that does not have proper Customer Identification Program ( CIP ). Had they followed proper XXXX, they would identify that the person applying for the loan was doing so fraudulently. I have no confidence in this company that if I send copy of my ID and a police report, that it will be properly handled. Hence, I refuse to provide copy of these documents.
|
| 11/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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This was my first loan I have ever taken. I owned my XXXX XXXX outright meaning I owed no money on it. When I initially took out the loan they were very quick and eager to get me to sign documents I didnt even know I was signing. The way they had it set up I didnt even get to read the real agreement. I am on time with my payments currently and I got a letter in the mail saying since I did such a good job with payments I was able to take a XXXX loan out after my next payment and the advertisement said keep my same low interest rate. That was a complete lie, my payments at that time were XXXX dollars a month. I borrowed {$7500.00} and after 5 XXXX dollar payments I still owed more then what I borrowed. After I took out the XXXX dollar loan I got a letter saying my other loan account had been closed and a new one opened. I called and ask them what the deal was I was assured that my interest rate would continue to go down instead they informed me that taking out the new XXXX dollar loan my interest rate now was 115 % and that my payments would be {$880.00} a month for 36 months. That was that and that was final. AGAIN I DID NOT SIGN THAT OR AGREE TO THAT. THIS COMPANY IS FRAUD THEY ARE LIARS AND THEY NEED TO BE BROUGHT TO JUSTICE. I READ THE MOST INTEREST RATS THAT CAN BE CHARGED IS 12 % Washington and 10 % Utah. IM BEING CHARGED 115 %! they totally took advantage of me they obviously knew I had no experience in taking a loan Out. They are literally trying to Make it so hard for me to pay this off they want to take the car. They dont want the loan Paid off. I need help what they are doing is completely illegal!
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| 01/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
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Web |
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My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.
|
| 12/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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The life of the title loan ended XX/XX/XXXX, which I saved a copy of the sign document. Today, XX/XX/XXXX, I received an email and text stating that I needed to make a payment. When I called, the representative stated that my statement is accurate that the life of the title loan ended on XX/XX/XXXX. Upon additional investigation of my question, he stated that due late payments, my payments were applied to the principal and not interest, which I was confused as I was also paying additional late fees along with my payments. I requested to speak to a manager and the manager was very condescending and stating the document stating the end of the loan of XX/XX/XXXX is accurate but due to the residual interest of {$3500.00}, I must make additional payments. She provided two options which were re-reading my contract as well as the company sending the itemized ledger of my payments and interest and the second option was a decreased pay-off of {$2400.00} which I had until XX/XX/XXXX to make decision. Either option as I informed her was optimal as I have made all payments and end of the loan was XX/XX/XXXX. I also stated that I have had other similar loans that if there was a residual balance/interest, it would be adjusted/written off as the life of the loan has ended. Provided that she did not want to adjust the interest and only alternative is to pay off {$2400.00}, I wanted to initiate a formal complaint and grievance. The company should not have the ability or capability to continue with their predatory practices of forcing customers to pay additional interest fees after the life of the loan.
|
| 02/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Older American |
|
I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it.
I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.
|
| 12/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
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Web |
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I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.
|
| 09/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I took out a loan on a vehicle that was paid through and protected by the Automatic Stay in my Chapter XXXX Bankruptcy. They have not applied the payments made to the Trustee. Here is a copy of the recent letter I sent them.
XXXX XXXX Bankruptcy Specialist Wheels Financial Group, LLC dba XXXX Legal Department P : ( XXXX ) XXXX F : ( XXXX ) XXXX RE : CFPB LETTER & ARBITRATION Consumer Financial Protection Bureau ( CFPB ) Case No. XXXX Dear Sirs : Today has been the second day that we have called your compliance department and they have not returned our call.
As you know, we filed for Arbitration before we go to Federal Court pursuant to the documents we signed with you regarding the return of our vehicle the XXXX XXXX. License Plate XXXX and VIN : XXXX.
We do not understand why you state that the vehicle is not registered and licensed when the XXXX has contacted us and confirmed that it always has been not only registered and licensed, but also insured since we bought it many years ago.
We have served you with the documents we have presented in Federal Court and everything is stayed until we resolve arbitration.
The sooner we do this the better and we would like a full accounting of the thousands of dollars we paid you via the Bankruptcy Trustee which you have failed to apply to the $ XXXX taken out as a loan on this vehicle.
We will copy the CFPB on this email.
Thank you and we await your reply as soon as possible.
Mr. & Mrs .
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX Attached. Federal Court Documents served on you.
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| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXXI AM A VICTIM OF THE XXXX BREACH. MY PERSONAL INFO WAS USE TO OBTAIN GOODS. PLEASE BLOCK THESE ACCOUNTS FROM MY PERSONAL INFO.
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ARE ALL FRADULENT CHARGES FROM XXXX DATA BREACH.
I HAVE OVER 100 FALSE INQUIRYS PLEASE BLOCK THESE INQUIRYS XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 07/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
I got a title loan from Loan Mart I had to XXXX my title to them they supplied a prepaid XXXX I went to XXXX and sent the title they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed I have receipts for mailing a XXXX package and a receipt for when I picked up the funds that was on the XXXX they've been charging me Interest since the XXXX that's twelve days at almost {$20.00} a day I sent them copies of receipts and they told me the funds are released on the XXXX that is not true I can send you a copy of the receipt if you would like them my name is XXXX XXXX you can reach me at XXXX or at XXXX XXXX at XXXX I've also contacted them probably six times they have never returned any of my calls they told me they take care of the problem and let me know I talked to an agent when I paid my bill he told me that their Quality Control Department denied my claim because the money was released on the 11th which is a lie I have proof all I have is a receipt and the date I got the funds I don't know what else I can do I'm on XXXX I live on {$1100.00} a month and they want me to pay them an extra XXXX plus dollars and if they do this to every customer most of them won't do what I'm doing and try to get the money back they're just happy they got their funds the embezzling probably Millions from people the rude disrespectful
|
| 03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
In XXXX I recieved a auto tie loan for {$2500.00} from loan mart XXXX Wheels Financial LLC on XXXX XXXX XXXX CA. Corporate office is in XXXX XXXX CA. I had paid in full and they also Repossessed my vehicle. I then took them to court to sue them for excessive damages XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX case XXXX, XXXX vs. XXXX XXXX XXXX for Wheels Financial Group LLC.The judge made a final discovery and closed this collections stating that each parties do Not owe the others and that my account was paid in full. Since this date Wheels Financial has violated a court order and has continued to ruin my credit to this day. They were supposed to have closed my file as a debt has been ordered to been paid in full. They are now committing fraud and extortion and will not remove the the accumulated amount of {$16000.00} on my credit report and will not fix the credit problem they have caused on my credit score and remove and stop the negative unowed balance causing severe damage to my credit report and will not lift the repo claim from my vehicle they stole with a faulty title lien following the paid in full status. This has occurred more than seven years. I have contacted the credit agencies and they will not remove it either. I contacted Wheels Financial and they refuse to remove and fix the damage done. My bank statements prove the title loan was paid off. Payments were maid through XXXX account I had In the past.
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| 05/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
In year 2015 I had received a title loan and I had paid it back on time they continued to repossess my vehicle so I took them to court in XXXX XXXX CA XXXX XXXX XXXX XXXX small claims. The judge had ordered the debt paid and they were to no longer try and recover any more money from me this is not been the case situation arose after I realized it a few years later when I got a call from a debt collector saying I owed {$5000.00} to loan Mart. So I called loan mart and I told him about this. I reminded them that I no longer have a debt with them and we had went to court and the judge ordered them stop harassing me and trying to collect my money so I thought this is taken care of but my credit score has an improved I recently got my credit scores from XXXX and all the other ones and I noticed that the debt they are trying to impose on me with the credit agencies which is ruin my credit is now over {$10000.00} the judge had ordered this debt paid in 2015 and they continue to try and go after me for my money. The information is XXXX XXXX XXXX 2015 XXXX XXXXXXXX this is a case number for XXXX XXXX Superior Court in California proving that the judge had ordered them paid that I do not owe them and needs to be investigated it needs to be removed from my credit report I had written credit agencies and ask him to take this off of my credit score and they have not please correct this matter for me you can get a hold of me at XXXX
|
| 05/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have a title loan I have been trying to p ayoff for a week.loanmart has taken 3 payment via my bank account ach.1st payment XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX on XXXX XXXXOn XXXX XXXX I had a long conversation with there associate XXXX he spoke with the supervisor.They agreed to take a XXXX payment to payoff loan on XXXX XXXXWhen XX/XX/XXXX came around they called me and told me there system wouldn't take the payment and told me I would have to wait 21 days to make final payment. I made.it clear I wasn't gon na pay there daily interest on this account for 21 days.We had an agreement and they lied.I then Spoke to there supervisor who told me they would run the payment XX/XX/XXXX she said the next day.Well I never heard from anyone.I don't feel I should have to pay the interest since they failed to take care of there agreement.They also tell me this is there policy on billing the bank ach 21 days but funny they charged my banks 3 times in 3 days so this is another lie.They have refused me the right to pay my loan off and in the process during this so called waiting period want me to pay interest. And I have refused .All I heard from the supervisor is I talked to the other Depts nothing I can do.This is wrong all I wanted to do is pay my loan off.Both my wife and I are XXXX and I had a family member pay this off for me.I don't need to be treated like this. Thank You
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
LOAN NO.XXXX Gentlemen, On XX/XX/2019 I applied for a Title loan from XXXX, I was approved on XX/XX/XXXX and ever sense I have been trying to set up my account on line to be able to check my information and most important, to be able to make my payments and have not been able to do so. I have repeatedly contacted XXXX over the last three weeks, have spoken with several customer service reps, I have been given via email several passwords and to no avail I still can not access my account An hour ago I spoke with a " Supervisor '' by the name of XXXX XXXX who had no clue and did not have a solution to my problem, I asked her to switch me over to the IT department and she told me the speak to no one, then I suggested we did a three way call and she also refused to do so. After 20 minutes of getting no where with her she told me to contact their compliance department and that was the end of the conversation.
I HAVE NEVER HAD SUCH BAD EXPERIENCE WITH A FINANCIAL INSTITUTION IN MY LIFE AND DEEPLY REGRET HAVING GONE OUT OF STATE TO GET A LOAN.
Having said this I would appreciate that your agency expeditiously act on this complain and have this someone in this IT department for this company to contact me in order to resolve this issue once and for all.
Sincerely angry XXXX XXXX Tel XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX email XXXX XXXX XXXX
|
| 01/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My loan matures XX/XX/XXXX. ( XX/XX/XXXX was original maturity date it keeps changing ) I have been paying monthly, often times after the XXXX which is my due date, but I get the payment in monthly. On two occasions I was given extensions, but I have paid way more than the {$1500.00} loan amount and expected to be paid off in XXXX. I did get an extension in XXXX and only paid half a payment. So when I asked if I would be paid off inXX/XX/XXXX I was told because I was late many times, my loan has been extended for approx 20 more months, unless I can come up with the {$1500.00} original loan amount plus {$680.00} in late fees. Had I paid on time by the 11th if every month I would be paid off. When I told them that was ridiculous that it was still paid in the same month they told me too bad ... .so now I have to pay another {$4000.00} plus dollars ( {$210.00} x 20 ) on time by the XXXX or it may take longer ....
I wi never get my title back or get this loan paid off ... .I will be paying over {$8000.00} on a {$1500.00} loan. I tried contacting XXXX XXXX and the XXXX XXXX XXXX to no avail. Can you help me get this settled and get my title back? I also wanted to add them to my Chapter XXXX but they refused that also. Please help me. I also paid the {$10.00} late fee everytime I was late. Loan initation date was XX/XX/XXXX
|
| 06/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
My account with XXXX was included in a recent bankruptcy proceeding. Due to the fact that I wanted to keep the vehicle I have continued to pay. Recently when contacting XXXX for a payout, I was told that {$1400.00} was remaining on the loan and the estimated maturity date was XX/XX/2020. These totals don't add up, if the account is estimated to mature ( meaning done with payments/loan obligation ) than the amount should be {$940.00}. This was the exact arrangement discussed between XXXX and my attorney upon reaffirmation of the debt.
After speaking with a representative today, I was told that they don't know when I will be paid out from this account and they couldn't give me an exact maturity date due to fees and other reasons on the account.
I feel like since this account was included in my bankruptcy proceedings and I chose to keep the vehicle ( for the record, this account was in good standing prior to the bankruptcy proceeding ) I am being scammed with fees and additional money to extend the maturity date. I feel they are aware the repercussions if I do not continue to make this obligation and the effects it would have on my credit after the bankruptcy. I feel like this is a shark way and they continue to manipulate people with fees based on their circumstances. It is predatory lending at it's finest.
|
| 04/06/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.
|
| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Per my contract, the alleged debt has been paid as agreed at the time of signing. The promissory note is a negotiable instrument. I will be asserting all of my rights.
Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor.
I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S. Code 1692 E Lastly please see the Notice section as well in a consumer credit contract.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
XXXX XXXX Without recourse
|
| 09/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.
|
| 12/07/2021 |
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 |
|
|
Per my contract, the alleged debt has been paid as agreed at the time of signing.
The promissory note is a negotiable instrument. I will be asserting all of my rights.
Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor. I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S.
Code 1692 E Lastly please see the Notice section as well in a consumer credit contract. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
XXXX XXXX Without recourse
|
| 08/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have been paying XXXX XXXX every month and I am so called current after paying them for a year. I took out the title loan in XX/XX/2018. What's insane is that I have tried to settle and they tell me after paying over 3000 that I would need to pay atleast an additional XXXX. Which is the total price of the loan. I am a XXXX vet and a single father of a XXXX year old. I'm on a fixed income and took out the loan because of an emergency. However. They threaten to repossess my car after being 2 weeks late. Also they ask me the reason I am late and I tell them my issues and they don't try to work anything out. I'm stressed and this situation isn't getting any better. I'm current but I'm being charged $ XXXX/day if I'm late but am told that I have a 10 grace period. It's not a grace period and different people tell me different things when I call. The agents told me that they are not supposed to send me my bill and what is exactly owed. I was finally provided that document II can't keep paying {$310.00} a month for years to come. I have already paid the loan with over {$400.00} interest which seems to go up every month.
I was also told my interest rate would be at 7 % but apparently its over 140 % plus late fees!!!. I still owe the amount I started with because of the interest and late fees.
|
| 09/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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My original loan was {$6000.00} amount from statement.
I was told that my 1st payment would be about {$150.00} more than my monthly payments for an admin fee. I questioned payments because I'm on a fixed income and before I finalize loan I wanted to know it would fit my budget, I was assured that it would. That was a lie. I have paid XXXX to date. In XX/XX/XXXX before my due date I contacted company to request late payment waived because I was going to be 1 week late with payment. I was told when my car was repossessed by them that this was an option when I explained that XXXX of the month, 1 day after due date I receive additional monies to complete payment. As soon as additional monies was available, I went online and paid. This was the first time asking but neither rep would acknowledge that I was told this. I asked to speak with the rep that I spoke with previously but told they were unavailable. I made payment as I said minus late fee. Per billing ; XXXX, XXXX, XXXX and XXXX it showed and unpaid late fee of {$30.00} with payment of {$440.00}. I made {$440.00} payment on XX/XX/XXXX. After that payment, they changed status of {$30.00} from unpaid late payment to part of loan payment which made the status of my loan payment as late and incomplete also charging me another late charge.
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| 09/09/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined.
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.
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| 11/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I have a Title loan with XXXX.
I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help.
They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle.
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation.
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
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| 12/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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XXXX is trying repo my XXXX XXXX XXXX XXXX. XXXX. So XXXX XXXX made the orig. Loan w/me on XX/XX/XXXX and that max amount is {$7600.00}. So all payments were made by me and they declare this are 25 payments begin on XX/XX/XXXX to XX/XX/XXXX, I added are of total {$7600.00}. Now they some one else named XXXX telling me they will not release my auto title until I pay the whole principal loan back or else interest keeps rising. So they are demanding I pay them $ {$2100.00} or else they are going to claim I defaulted on this loan, then steal my car. At gunpoint with XXXX Sheriffs. So this is a crime under penal code 484 and felony crime under Penal Code 487. They got XXXX and have someone telling me his XXXX gang members will kill me if I say anything He idenifies himself as XXXX. I ask him for last name tonight he said XXXX and refused to supply his last name. So I asked where is XXXX XXXX? He replied he didn't know. XXXX in XXXX XXXX should be charged with felony attempted theft and felony attempted car theft, and spend prison time. I've kept this really running good and spent hundreds to keep thisvcar in good shape. If I recieve no reply and XXXX show up and steal my transportation I swear to XXXX XXXX California and their officials and officers.
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| 12/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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I applied for a title loan with XXXX XXXX on line. the only way they would approve my loan was a title loan. I discussed the contract over the phone with a XXXX XXXX agent. we discussed interest rates from 6-35 % at the highest. desperate for a loan to pay my house taxes, I agreed to the terms of contract without seeing the contract, since 35 % interest rate was the highest we had discussed. I had not seen any contract at the time I agreed. After 1 year of payments I relentlessly asked for a copy of the loan contract because my balance never became lower. I contacted a lawyer to help me since I couldn't even obtain a copy of contract. he needed a copy of contract and payment history. by now it had been one year and ten months. To my surprise I finally received a copy and my interest rate was 149 %! I am a XXXX year old XXXX veteran, and am on a fixed income. I'm hoping the cfpb can help me enforce " the military lending act ''. This has to be a crime, how can this be legal in the United States of America for which I served proudly in XXXX. The loan date started on XX/XX/XXXX, the original loan amount was {$2800.00}. As of today XX/XX/XXXX my principal balance is {$2600.00} and my interest balance is {$920.00} .My balance is a total of {$3500.00}!
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| 04/09/2022 |
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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A incorrect error was placed on my XXXX, XXXX, and XXXX credit report that is saying I owe the Loanshark company called LoanMart as back in XXXX A title loan from wheels XXXX XXXX, XXXX XXXX LoanMart as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by Loanmart was actually {$2900.00}. Loanmart was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of XXXX XXXX XXXX XXXX XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. Loanmart fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named Loanmart . This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per XXXX and they said they don't have to do anything.
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| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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In XX/XX/2011 false charges were filed against me by the XXXX XXXX XXXX XXXX. They took my kids and truck full of my stuff for income. Judge XXXX signed the order with Sheriff XXXX XXXX I was told. My pick up was taken with a Title loan on it. They claim you must pay it even if it was stolen. This ensures the corrupt XXXX gets money and a free truck. They then place it on your credit report and do not remove it with an inflated amount due you can not pay and deny financial support with thier judge so they can steal your identity after they make you homeless. They stalk you with a XXXX and more.You have to pay a ton of fees for application fees for an apartment then you are denied. The court house also tries to murder you falsifying information and allowing thier cop to try to beat you to death all while not booking you into jail for false charges. The XXXX must be stopped as it is clearly communism.They should not be allowed to do this and take everything you worked for. They even call your job and make up false claims.Non of thier false claims or charges have been proved. The corruption must be stopped. Integrity must be restored and new laws made.Slavery was abolished in XXXX in XXXX and in XXXX in the United States. Please do something.
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| 05/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I was a XXXX XXXX Customer. I received a title loan on my car and I paid that loan off since the interest rate is extremely high. Again I was contacted by loanmart to get another XXXX XXXX on my vehicle. They were charging me an entirely High rate for {$2500.00}. They have charged me over {$10000.00} in fees. XXXX Stole my car from my driveway and sold it and took all the money which was way above {$2500.00}. They should be on The Blacklist 4 charging customers High interest rates for title loans in selling their car without their knowledge. Now for the past three years they are damaging my credit report and I'm not able to buy a vehicle. Basically I have to take the bus because of XXXX. I am forwarding this complaint to the XXXX XXXX XXXX and XXXX XXXX XXXX so they do not Target any more customers like me and be the victim of their High interest rate and selling their car without their knowledge and also destroying their credit. find me XXXX year old XXXX woman, which XXXX is fully aware of and my husband passed away in 2018 from XXXX and at this moment I only have food stamps and I'm waiting for my XXXX approval and I can not get housing or apply for anything because of XXXX. They charged {$10000.00} for {$2500.00} plus sold my car
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| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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There has been an ongoing issue with LoanMart ( on behalf of XXXX XXXXXXXX XXXX ). Initially, they charged an interest rate of 98.64 % on an approximately {$11000.00} loan. Then when I struggled with payments, they finally reduced the interest rate to 33.02 %, which still has payments of {$650.00}. I also found out that my vehicle loan is NOT listed on my credit reports because LoanMart is not reporting my loan to the credit bureaus, and I can not even trade my vehicle in for another car due to this. The dealership I'm working with said that my vehicle is a ghost because of what LoanMart has done. Also, I addressed the interest rate with LoanMart because I am a resident of Florida, and the loan was issued to me as a Florida resident. LoanMart said they are not bound by Florida law, which makes the 33.02 % interest illegal. Also, I read that title loans in Florida can not go over 18 % if they are over {$3000.00}. I need help in getting a resolution with this company. I believe my loan agreement is illegal and invalid. Again, LoanMart said because XXXX XXXX is a Utah-chartered bank, they are not bound by Florida law XXXX which I disagree with because I'm a Florida resident XXXX They issued a loan to me in the state of Florida.
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| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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This account is over XXXX XXXX XXXX. I never made payments on this account because it is a fraud account. A loan was taken out in my name using a car title and never paid back. I found out about the loan when my car was booted and repossessed the same day by the creditor and sold for pennies on the dollar. The creditor did not contact me about how to get my car back, where my car was located to pay whatever fees. it was simply " sold at auction '' and I was not advised where the auction would take place. The car had over {$20000.00} in upgraded parts including a custom supercharger, fully build block and head, complete suspension, custom forged wheels, a hand built transmission and signed by XXXX XXXX on the passenger airbag before he passed away at XXXX XXXX XXXX in XXXX XXXX california.
When I dispute this account they report on my credit that a payment was made or that the account was in good standing extending the 7 year rule to remove the report on the account. It has been removed from XXXX and XXXX credit reports after investigation but the creditor adds the account when file a dispute on XXXX of the other credit reports rotating the account through the XXXX credit reporting agencies. on the account.
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| 08/27/2019 |
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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At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees.
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees.
They refused to send my payment and account history.
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance.
How can my loan be late if they charged it off?
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX
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| 04/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I tried getting a auto loan for the first time at XXXX XXXX on XX/XX/2022 and when XXXX XXXX ran my credit he gave to me my credit report and told me I wasnt eligible for a loan due to me already having a auto loan that was closed. I have never had an auto or loan. He suggested i call the company at 800 loan mart to see what was going on. I proceeded to call and had my wife XXXX XXXX explain the problem because i authorized her to better explain what was going on. We were both on the line gave them account numbers XXXX and XXXX which are the accounts shown on my credit report. None matched my name address or social security number. We were transferred numerous times. We talked to XXXX, XXXX, XXXX, and XXXX representatives from 800 loan mart and we were told the loan belongs to XXXX XXXX with the account number XXXX. We were also told that last four of the social security number used for this loan is XXXX for the account number XXXX not the last four of my social. This is a mistake on my credit report and loan mart told me i had to report it to the Bureau and let them know I already spoke with them to get it removed so i can proceed to take out my first auto and auto loan.
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| 06/16/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Here is a copy of the email I just sent to customer support at 1800Loanmart.com : Hello, Im writing because my disputes thru credit bureau didnt respond as I was hoping. I settled my account ending in * XXXX on XX/XX/23, by paying the agreed upon XXXX XXXX and was told settlement papers were being emailed to me, by XXXX. She called back and said she couldnt get through my email and was sending the papers through the mail. A few weeks later, the same person called back and said she forgot that she said she would send thru the mail and that she would do it that day. I have not received any paperwork as agreed, and my loan Amount is now acruing interest again, hurting my credit! Im very upset about this, as nothing has occurred that was in our verbal agreement to settle this case. My remaining interest was supposed to be erased and the account deleted off my credit reports. Please respond to my request to fix this immediately, as I Am filing a complaint with the consumer credit bureau as well to make sure its addressed. My phone number is XXXX, and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX, United States.
Please get ahold of me ASAP. Thank you.
XXXX XXXX
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| 10/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1800 LoanMart fraudently obtained a loan against the title of my XXXX XXXX XXXX. I do not know who obtained the loan but my information was used illegally. I had first notified loanmart of this theft in XX/XX/XXXX. A police report was then filed in XXXX of XXXX after every attempt to contact the company went unanswered. All police reports have been sent to the company multiple times. The car was stolen and a felony assault charge was placed on the repossession agent in XXXX. Again, police reports were sent to the company and all answers to have the vehicle returned were left unanswered.
Requested information including police reports, ID and affidavit of identity theft were sent again via email to XXXX XXXX on XX/XX/XXXX the 5th business day after a letter was sent to me disputing the claim of identity theft.
I have requested all the information that was used to obtain this loan and the documentation with a wet signature but have not been sent anything. I was told previously by a detective with the XXXX Police department that whoever obtained this information and loan did it all electronically.
The information reported to the credit bureaus is fraud.
|
| 08/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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The day that I went to look for a loan I tried everything I was in the middle of moving out of my house with my husband at the time we were separating only been married a year lost in the state of confusion just didn't really know what to do I was at my wit 's end I apply for a loan that's all I had was a car Well I got a title loan from XXXX at XXXX XXXX XXXX over a year ago when I thought that I was at the end of paying the {$2500.00} back I had already paid I think close to XXXX back so I thought I was done so I gave them a call and they told me that only {$10.00} of the money that I had been paying went toward the principal but the {$390.00} a month that they told me to pay every month went towards the interest so that means that by the end of the loan I would have to pay them {$14000.00} for {$2500.00} loan for a car that's only worth {$800.00} in the XXXX XXXX value they are threatening to repossess the vehicle from me I don't understand how they could charge me over 300 % interest for the vehicle for the loan they won't give me any help they just want me to just keep paying them {$390.00} a month until {$14000.00} is paid off
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| 12/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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|
Web |
Older American, Servicemember |
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This title loan was initiated in XXXX due to the death of my spouse 's XXXX XXXX XXXX XXXX XXXX. The veterinarian bill reached {$10000.00} and we have initiated loan assistance three times from Keep Your Home California, and received help twice. The last time was in XX/XX/XXXX due to hardship related to XXXX XXXX related expenses.
The loan with XXXX, no matter what they have request as payment ( it changes monthly ), we also pay an increased amount of {$800.00}. The average decrease in our loan is barely $ XXXX {$250.00} per month and after paying on an approximately total loan amount of {$9000.00}, our loan still sits at {$7500.00}.
My wife has a new XXXX XXXX and I have an XXXX XXXX XXXX ; we are both XXXX, XXXX, and I am a 10 % XXXX veteran ( still attempting to get help for XXXX XXXX related XXXX XXXX & XXXX ). Because of this loan we have almost lost our home twice, have often gone without food so that we could feed our XXXX XXXX and XXXX. Our home is in need of repair and our automobile is a XXXX in need of repairs and new tires. We are at a loss as to how to pursue help to drop the interest on this loan. Thank you.
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| 12/20/2019 |
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 |
Older American |
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I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed.
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report.
I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens.
This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years.
All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your credit.
|
| 06/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Dear CFPB, I took out a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX. The AMOUNT FINANCED was {$5300.00} at 76.32 % APR.
The Contract states there would be 42 Payments of {$360.00} totaling {$15000.00} ( TOTAL OF PAYMENTS ). I fulfilled the Contract by making 47 ON-TIME Payments of {$360.00} totaling {$17000.00}. This was {$1800.00} MORE than the Contract says I owe.
However, XXXX just repossessed my vehicle on XX/XX/2021 and are now claiming I owe them {$11000.00} MORE to get my vehicle back!
I don't believe they have the right to seize my vehicle after I paid 47 ON-TIME Payments when the contract only calls for 42 payments. This loan should be paid off.
Now they have repossessed my vehicle and are demanding I pay them {$11000.00} more after I have already paid them {$17000.00}? On a {$5300.00} loan? This makes no sense.
The Rep I spoke with said they are planning to sell my vehicle if I don't pay them right away. Please investigate this as soon as possible and let me know what can be done to get my vehicle back. I heard you might be able to help.
Thank you, XXXX
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| 10/18/2021 |
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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Hello, I took a loan of {$2500.00} back in XXXX. The installment were every other Friday since that is my day I get paid from my employer.
Ive made more than {$2500.00} in payments but since they are a very expensive loans, APR is about 700 %, I couldn't continue to make payments due Covid situation.
I work in the retail world and basically my income is based on commision plus salary.
However, I have been trying for months not to contact them via phone and also email to come up with a payment plan and solve the issue.
They have accumulated more than {$10000.00} in monthly fees that has gotten out of control. they are reporting INCORRECT amounts to my credit that is fully damaging my credit. The account is now delinquent and sure will escalate to worse.
I haven't heard anything from them this whole year and I see the fees have gone up each month and it look likes with will get worse.
Id like to dispute this account from my credit, incorrect amount reported.
Email were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also several phone calls made.
Thank you!
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| 07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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My information got stolen and used i found things in credit report that i did not authorized or used my self i have tried to contact the company 's and the credit company 's and no one will help me i called the policy I never gave any one permit ion to use my credit or to put negative things in my credit report In accordance with the credit fair reporting act states that everything has to be accurate 100 % based on their investigation. they they stated that this was validated yet i get ignored when i ask for the proof this is a violation of my rights 15USE 602 1681 section 604states that consumer reporting agency can not furnish my account with out my written permit ion so i did not give written permit ion to those accounts to report fraudulent accounts to my credit report PLEASE remove those negative reports to my account please delete 800LoanMart, XXXXXXXX XXXX XXXXXXXX and ll those address that i have never lived at i been in the same address since XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Pleaase3 delete these accounts due to this is a violation
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| 06/08/2016 |
Yes |
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
Servicemember |
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I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them.
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.
|
| 03/27/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
Older American |
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I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.
|
| 09/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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LoanMart continues to report payments to the all 3 major reporting agencies inaccurate. The purpose of this is to renew the delinquency date of the loan. I have never made a payment to this company and have emailed them to inform them I will be handling this legally. There has been a numerous amount of incorrect information being reported. I have contacted this company since XXXX of XXXX giving them ample time to fix this issues.
Currently they are falsifying payment receipts to all 3 credit bureaus. I have never paid this company any monies as they continue to report receipt of payments.
The key was lost to the vehicle resorting in escalated fees while the tow company attempted to reach LoanMart. They were unsuccessful, although I was still charged for the lack of response resorting in the XXXXow yard having to break the lock.
In addition, LoanMart has never received a payment due to the disagreement regarding this account. They continue to report false payments
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
As a senior citizen I open a Title Loan # XXXX with XXXX XXXX to pay for my wife 's emergency medical procedure. I did make all payments on time as agreed in the contract. Since XXXX of 2021, I have been trying to pay the loan, XXXX XXXX made it difficult to pay while the loan is accumulating interest at {$14.00} per day. On XX/XX/2021 I attempted to pay {$6700.00} XXXX XXXX only accept {$4000.00} and forced me to defer the remaining balance of {$29000.00} for XXXX more days while interest of {$14.00} continued. I final paid of the Loan on or about XX/XX/2021. I sent a letter to XXXX XXXX requesting a refund for over payment and was ignored. ( see attached ) Since I never received a respond, I contacted my Bank and requested to dispute {$1000.00} from the {$2900.00} paid. XXXX XXXX reinstated the loan and send me bill for {$1900.00} and I received numerous threaten phone calls from XXXX XXXX to do great badly harm to me and my family if I don't pay. ( see attached )
|
| 01/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
My car was taken after I had paid my loan off. XXXX XXXX would not work with me and said that my payments didnt go through. I just fear this with XXXX and not much happened. This on my credit report until XX/XX/2022is not sufficient and it is been the main source of killing my credit. I cant get loans For medical reasons.I can not get Credit cards I was just approved for my first one because I just disputed so many things And they were taken off. There are about seven different ones for a XXXX XXXX that are paid and closed at XXXX dollars and exceptional payment history there is one that is the charge off and the past due amount it is {$11000.00} and it just says paid closed and 52 charge offs. This is the main thing that is killing my credit. Every single thing from XXXX XXXX except one is paid and is in perfect standing. This should also be in perfect standing like the others but it says there is that {$11000.00} that is due. The report number was XXXX.
|
| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/XXXX I have spoken with loan mart many times. I got a {$3000.00} loan from them back in XXXX I paid {$480.00} a month for XXXX and they added more payments and now they are trying to say I owe them {$17000.00} when I paid it off after XXXX and every time I speak to them it just goes higher and the managers there are doing it on purpose just to screw me over more its weird and very unprofessional on their part. Seriously 26 months of payments for a {$3000.00} loan = {$12000.00} I paid for taking out a stupid {$3000.00} title loan and now they are asking and lying and ruining my credit by saying I owe them {$17000.00} this is not right and like I told them I paid it off months ago and they know I did If the credit breau agents did their jobs at XXXX they can clearly see all the payments I had made but instead I cant get a hold of them and they are no help. XXXX had removed it before and now they keep updating it so it can stay on my credit forever
|
| 01/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I called XXXX to find out why my account balance all of sudden jumped up over XXXX dollars when I make my XXXX dollars payments every month. When you ask them they tell me that it is the daily interest that has made my loan go up. I am calling them liars because the daily interest has never ever made my account balance go up on any month. I know that XXXX is a smaller company of whells Financial and when I looked them up thru the XXXX they did the same thing and got caught with not legally keeping up with payments, and not keeping records. I have every payment I have made to them and this is not right, but will not give a acceptable answer. Their answer is false because this has never happen before and they are covering it up with this false statement. I have paid over twice the amount back. But now they are increasing my account balance and will not give me a answer that makes any sense. If you need any information I will provide it.
|
| 02/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.
|
| 07/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had a loan with loan mart for est. XXXX with my title to car as collateral. The car was involved in accident and ins co said it was totalled and ins Co picked car up from collision shop. Since there was a line on car, I called loan mart and gave them all information with ins Co. My ins company paid loanmart Since they were the lienholders. Loan mart has been paid but reporting XXXX my credit that nothing was paid on this loan and turned a XXXX personal loan into a XXXX. The car only had a XXXX value and it had a clear title when I got the loan. I don't know why they did not subtract what was paid by my ins company and why there is an outstanding balance of XXXX. I attempted several times to clear this up with loan mart and was always put on hold for long periods of time and being passed of to different people and also being told ppl I spoke with no longer worked there so they can't determine what was discussed with ppl.
|
| 11/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I applied for and received a loan with XXXX. When Covid hit not only was I on XXXX leave, but was laid off due to the shut down in California. I have notified XXXX of both as there was going to be times I was going to be late on payments etc. Currently XXXX is in possession of my car illegally and the fees required to retain my vehicle are paid. XXXX has refused to give me a statement of accounts, saying that i should have copies. I do have emails with the copies attached, yet they have deactivated the link to the documents and have not responded to my request for access. To date I have payed well over {$5000.00} and I have been told by two employees that none of what I have payed has been applied to the principle of the loan, just the interest. I requested a settlement quote and was told that the amount owed on the account was over {$8000.00}. I have XXXX children and can not be without my vehicle. XXXX are crooks!!!!!
|
| 05/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I got this loan a year ago and have since paid the original amount twice but still owe XXXX which is XXXX more than i originally got. i have already filed a complaint and my complaint number is XXXX. I noticed that the company has responded that it wasn't them. I want to add some paperwork from this company to this complaint. since approximately XXXX XXXX someone broke into my truck and took it. so they now have custody of my truck. even thought I have been paying. They keep calling and calling even though I have talked to them and explained that i could only make partial payments now because i am not working full time anymore. They refused to take partial payments and refused to give me the address to send the payment in. They have emailed me constantly as well as called several times after I have already spoken to one of their agents. Now I see that this company is already on your list but they say it isn't them.
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following.
~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account.
In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts mentioned in this complaint 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 05/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live
|
| 06/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
The Loan Mart lied to me and did not disclose the interest rate or fees on the loan when I obtained the loan. Nor did they disclose it after several times of asking them. When they finally did after several months it was 122 % added daily. They would not give me copies of the loan papers either. I tried several times to work this out with them, when they agreed after many many negotiations to lower the interest rate and charge me a still somewhat high interest rate, and the original loan amount, they once again lied and tried to snooker me again. They sent me new papers to sign which was at a higher interest rate than we agreed upon, and they added XXXX to the loan amount!
I did not sign these papers. These people are liars and cheats. They have cost me so much money, and time, and frustration.
I was willing to work with them on a reasonable basis, but they just kept lying and trying to cheat me.
|
| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
ON XXXX XXXX XXXX LOAN MART GAVE ME A LOAN OF {$2600.00} AT THE AGREED YEARLY INTEREST RATE OF ONE HUNDRED TWENTY EIGHT POINT NINETY TWO PERCENT ( 128.92 % ) AGAINST MY CAR XXXX XXXX AS A GUARANTY SO FAR I HAVE PAID {$20000.00} NOW STILL I HAVE AN OUTSTANDING BALANCE OF {$3000.00} I INDEED APPRECIATE LOAN MART 'S ASSISTANCE, WHEN I NEEDED THE MONEY, BUT AT THIS POINT, WHEN I AM PASSING THROUGH A VERY TOUGH FINANCIAL SITUATION, I RESPECTFULLY REQUEST MY DEBT TO BE SETTLED WITH A FINAL PAYMENT OF {$1.00} WAVING THE REST FROM THE PRINCIPAL.
OVER THE PAST SIX YEARS, THE INITIAL FINANCED AMOUNT HAS ALREADY BEEN PAID MORE THAN SEVEN AND A HALF ( 7 1/2 ) TIMES.
IF I WAS IN A BETTER FINANCIAL SITUATION, I WOULD NOT MIND CONTINUING PAYING MONTHLY PAYMENTS. BUT AT THE PRESENT TIME I CAN NOT, DUE TO VERY POOR BUSINESS RESULTS DURING THE PAST SEVERAL YEARS, THAT DRAINED ALL MY LIFE SAVINGS.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act 800loanmartXXXX # XXXX has violated my rights.
15 U.S.C 1681 section 604 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 604 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In XXXX, I was in need of a loan to move and the television and radio were inandated with advertisements from " 1-800- Loan-Mart XXXX '' I called and they offered me a " title loan '' for {$10000.00} specific to my XXXX Toyota Camry. The payment was and remains a staggering {$850.00} per month. Also, my ex-husband bounced a check to me in XXXX XXXX, which prevented making a payment so I called for an extension to which they repossessed my car, for the payment and charged me almost {$2500.00} to get the car back. The car was in the possession of an auctioneer only XXXX, which is where I retrieved the car from. I have been paying the {$850.00} monthly for over two years and the principle balance or payoff remains just a XXXX less than the original loan. What guidelines regulate the loan industry and why are they permitted to be rude, abusive and lend money like XXXX loan sharks?
|
| 01/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I learned about XXXX from a television advertisement and I was desperate for help after my partner XXXX XXXX so applied for a loan online. Someone from XXXX then called me to sell me the loan. He told me how much the loan would be each month and that it might be hard for me to repay but that if I struggled with the payment I could call him back and that he would work with me to lower the payment. I started struggling with the payment right away, but when I called XXXX back to get help they refused to work with me. Now I have to choose between making rent and XXXX payments and can't make ends meet. I was almost evicted as a result. I also don't know who I even have the loan with. I spoke with XXXX to get the loan and they are sending me payment notices and demands. But the contract they gave to me is with XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 07/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I got a tittle loan with 800 loan mart for {$2500.00} on a Volvo xc70. After making timely payments est of {$250.00} a month for 4 months, i inform loanmart that i would renounce my interests and give them the car, that was XX/XX/2012. Loanmart picked up the car and auctioned it off. They sent me a settlement offer of {$650.00} XX/XX/XXXX and i refused. they wrote the car off as a chargeoff. In subsequent years they would annually send me a settlement request, each time the amount would increase because of the outrageous interest fees, that apparently, still compounded. loanmart has been erroneously reporting my account to XXXX and XXXX. They now show my balance in the excess of {$7000.00}!
They are using this exorbant fee to try and ruin my credit by showing that my credit utilization is way passed XXXX %. This is a form of extortion
|
| 12/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
This predatory loan company email on XX/XX/22 repo my car on XX/XX/22 I got no phone calls. The company they had repo my car broke into my car stolen from my car. Cost over XXXX to get my car My second file with you same company. Did the loan at 98 % rate illegal did title loan in Ohio it's illegal in that state. Last time I file many papers were file which deleted the loan. More has been file after the illegal repo. This company illegal pull my credit report to find me. Lie said I apply for a new loan illegal. So many laws has been broken my this predatory company. Has sent me many emails to sign for a new loan. When I last file this company show you a different set of papers of the loan. Pass sick company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for any of these predatory business actions. No one should ever do business with loanmart
|
| 04/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I took out the loan XXXX XXXX 2022. My car was repossessed on XXXX XXXX 2022. My fiance grabbed the wrong title and sent it off by mistake, they tried calling me two times I guess to make me aware of this but I work in a rehabilitation center where we can not take our phones due to confidentiality they never left a message they never called my references they never called my job they just came and took my car. I have talked to a supervisor 's I have talked to the title department or talk to the repossession department they want me to pay {$500.00} just to get my car back I feel like this was taken on false also when I called to go ahead and pay the {$500.00} through my bank account they told me that XXXX payments were not accepted on the website and on my contract that I signed it clearly states that XXXX payments are accepted
|
| 07/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company has been harrassing friends, family members and past employers. with fraudulent, ridiculous amounts owed on a title loan that was took out XX/XX/XXXX for the amount of {$2600.00} and with inflation and falsely reporting it's now saying owed is XXXX on all three credit bureaus, but this company reportedly closed and charged off {$2600.00}, they also charged off due to a national disaster. in another report. This company has fraudulent written all over it. XX/XX/XXXX this company hired an attorney to dispatch a processor to serve unknown papers to a past employer, this person came to the job serval times, and each time was rude and aggressive. with no luck at serving unknown documents the person threw the documents in the building and yelled you been served. This company is XXXX XXXX a.k.a wheels Financial XXXX.
|
| 03/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.
|
| 10/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello I have a car title loan threw wheels financual re XXXX XXXX its my 2 loan did '' t realize that it says in this web site that there only suppose to charge no more then 35 % intrest rate .and there charging me a 134 % int rate .my last loan was 199 % int and so since i paid off my other loan total pay off was {$17000.00} dollars yes crazy so they send me this letter to my email saying that Iam a prefurd customer and they will give me another loan for higher amount at a lower A.P.R rate .they denied that they sent me the notice.so they taunted me with this to give me this loan witch i fell for.is there anything i can do about this.Its just not right that they can take this much for a {$2500.00} at 199 % A.P.R. and if you make a payment early they still want another payment on the payment date or they will reposse.
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Starting XX/XX/2020, I started shopping for XXXX XXXX XXXX with no credit needed as long as I had a free and clear Title to my car that would be good enough with a few more details needed but no Credit under several names but still being 1 of same company ran my report threw experian 4 times one being the last XX/XX/2020 that bringing my score down i ask before in the beginning no report ran unless its for ID purposes only!! And the loan wasn't declined for credit reasons ... .Well it was and for that reason makes it difficult to apply anywhere else.. The company doing so goes under names that are still 1 company knowledge of this would have helped in how many times I applied to company if the same results were given at the first XXXX XXXX loan company or XXXX or XXXX XXXX approved no credit bad credit approved
|
| 12/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.
|
| 08/12/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a loan in XXXX 2014 for {$5700.00}. I 've made payments of {$450.00} since then and the total I 've paid since then is about {$8000.00}. I just recently got a payment history to see my balance due and almost none of my payments have applied to principal balance, almost all of it has gone towards interest! I spoke with a customer service rep today and they still want {$7000.00} to close account. I told them I no longer have a steady job or income and have been going through health/medical issues and have been in and out of the hospital. I just want to settle amount of another {$1000.00} to close account. I 've already paid back the {$5700.00} and interest of more than {$2000.00} and still going to give {$1000.00} to settle. I 'm trying to be honest with them and get a settlement and close my account.
|
| 02/07/2018 |
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 have requesting correction or removal of the derogatory account reporting from XXXX XXXX XXXX time in the last couple of years. This account was paid in full under no settlement or otherwise stated. This account was never late or every a collection account. The company has corrected the information with only XXXX credit reporting agency and the derogatory information of a charge off is still being reported on my XXXX credit disclosure. Date of request were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On my last request to dispute the company had the audacity to not only NOT correct the inaccuracy but to change the corrected CRA file to report negatively. This account was paid in full on XX/XX/XXXX therefor could not be a collection account or late or derogatory in XX/XX/XXXX or XX/XX/XXXX as reported.
|
| 10/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I borrowed money from this XXXX XXXX, after two days i gave them the car on which i had borrowed the money. They refused the car. I was told that, " they will have to repossess the car at their time when they need it ''. I told them, i was going out of town for three months which makes me unable to make payments on the loan, please less resolve it this way. '' they told me that, " I don't make decisions for them when to repossess a car, its on their terms only. '' I told them that, " this will affect my credit. '' They told me that it was none of their concern. Today, they are demanding for the car or i pay their money. I have told them, " If they want the car, its not going to be reported as a repossession or i give them the actual amount of money they gave me 3 months ago without interest. ''
|
| 05/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
I opened a auto title loan with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3500.00} I paid {$390.00} on this loan monthly until XXXX! Paying over {$25000.00} for a {$3500.00} loan. As a XXXX XXXX military spouse we fell on hard times and my car was immediately repossessed after paying for several years. Even after the car was repossessed while my husband was XXXX XXXX we were hounded and harassed by this company to keep paying monthly on this loan even after repossession. It is now XXXX and this is still active on my credit report and does not appear to go away anytime soon. This company and their practices must be reviewed! This is a predatory loan with no way out, it is designed to keep the lender hostage for decades! I am begging CFPB to investigate and shut this company down!
|
| 10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft.
I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud.
They have done nothing but send a message to the creditor.
XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information!
The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company is XXXX XXXX ( Wheels Financial Group, LLC XXXX ). In XX/XX/XXXX I agreed to make payments but defaulted due to COVID. I made arrangements with them and account showed as Charged Off on my credit report. Account should show as Charged Off. Every two months ( In XX/XX/XXXX, now XX/XX/XXXX ) XXXX XXXX opens back up the account and it reflects on my credit as open again affecting me negatively. This time making my credit score drop 60 points. I file the claim through the credit bureau in XX/XX/XXXX about the status of the account being incorrect. It was updated back to Charge Off. Now XXXX, XXXX once again change the status to " open '' and it should be " charge off ''. Can they legally keep on changing the status of my account back and forth.
|
| 08/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The account was in charge off status on my report from XXXX and XXXX I disputed the account and it was removed from XXXX but not XXXX. In XXXX of 2020 it began to show as an open account and as current which dropped my XXXX score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my abuser! However if you look at the history of the account you will see it should not be reported as open and current!
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been trying to correct incorrect information Loan Mart is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company.
They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 800 LOANMART XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On top of all this illegal title loan company Loanmart has send me illegal documents and sign my name to them. I have email 's showing I have not sign no documents with this illegal loan company. Last time I sign a document was when I received the loan in XXXX. Illegal put my credit report XX/XX/XXXX and sent me illegal documents saying I released my car. Just received these illegal documents in my email today XX/XX/XXXX but date on them is XX/XX/XXXX. They illegal took my car on XX/XX/XXXX illegal pull my credit also. Yes copy of the illegal documents that was sent to me today this claim i just file you just sent over to loanmart I got this illegal document in return I never got this document or sign it just received it today XX/XX/XXXX
|
| 03/18/2021 |
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 |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 01/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus.
This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed.
Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible.
Sincerely, XXXX XXXX Enclosures : Police Report
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I don't have dates but I have called the loan mart company many times to inform them that this is not loan someone used my information to set up this account. I told the manager and I also know who did it after they told me that I had a co signer which I didn't know anything about. They told me they will have the another manger call me back to investigate but that was about 3 months. Someone was paying on the loan and I was telling the customer service agent that I never opened up this account even when it was in good standing with the credit bureau.. I saw envelope of loan mart coming to my house but I thought they were getting me to sign up for them. I never opened them until I looked at my credit report.
|
| 01/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NUMEROUS TIMES I HAVE REACHED OUT TO 800 LOAN MART INFORMING THEM THAT THE ACCOUNT THEY HAVE UNDER MY INFORMATION IS FRAUDULENT AND NOT MINE. THEY HAVE ASKED FOR DOCUMENTATION ALONG WITH NOTARIZED PAPERWORK TO SHOW THAT THE ACCOUNT DOES NOT BELONG TO ME. I HAVE PAID OVER {$75.00} FOR A NOTARY FEE SO I CAN GIVE THEM ALL THE PROOF THAT THEY NEED TO CONFIRM THE ACCOUNT IS FRAUDULENT SO THEY CAN REMOVE THE ACCOUNT FROM MY CREDIT REPORT ONCE AND FOR ALL. I FEEL LIKE THEY HAVE SOLD MY INFORMATION OR THE COMPANY THEM SLEVES HAVE DONE SOMETHING UNDER MY INFORMATION. I HAVE NEVER ATTEMPTED TO WORK WOTH XXXX XXXX XXXX AND I HAVE NO IDEA WHERE THIS ACCOUNT IS COMING. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU
|
| 12/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX of XXXX, my car went missing from a parking stall. It was a XXXX XXXX. I assumed that the car was towed because I was in a tow parking spot, in which I did not have the money to pay them so I did not think twice about trying to figure out where it went. A few years later i found out that my car was taken by XXXX XXXX XXXX, which is a pay day loan place for cars. I explained to the representative that I never got a pay day loan on my car and requested documentation on the car that showed where I got my car from. The lien on the car was for rougly {$3000.00} and and they wrote off XXXX and is still reporting a balance of XXXX. All of which I do not owe because I never took a lien out on my car.
|
| 08/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Obtained a title loan # XXXX from XXXX XX/XX/XXXX in the amount {$11000.00} with interest XXXX XXXX to be used to make a down payment for business rent.
I used my VA XXXX to qualify for the loan and make payments. As of XX/XX/XXXX, my current interest rate is XXXX XXXX. I have been harassed with many phone calls and text messages for many months in an attempt to collect late fees in the amount of {$110.00}.
I have made many phone calls to this company to ask them to stop charging illegal late fees. I have not once been over XXXX days late with loan.
This company is in violation of the 2007 Military Lending Act by charging me over XXXX XXXX in interest fees and illegally charging late fees.
|
| 09/14/2022 |
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.
This is the list of account/names/addresse which do not belong to me or were opened without my permission.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
|
| 01/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
ja m a Service Connected XXXX Veteran with XXXX health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year.
Loan Date : XXXX XXXX Loan Amount {$5000.00}
|
| 06/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I already send all the proof to XXXX and 800 loanmart about all the wrong information that they have on my report, I dispute this with proof and XXXX complete the dispute with out any change on this account, when I called XXXX, said that they didn't change this information because 800 loanmart said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from loanmart? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.
|
| 05/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
|
| 06/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request
|
| 02/11/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ...
First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!
|
| 01/31/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX AND XXXX THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES XXXX SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My current XXXX credit report shows inquiries on XX/XX/XXXX and XX/XX/XXXX that I dont recognize and did not authorize. I have sent written notice to the business listed below that I did not authorize these inquiries and requested that they be removed immediately. The written notice was sent on XX/XX/XXXX with delivery confirmation. Also, the inquiries were removed from my XXXX and XXXX reports but still remain on my XXXX report.
These unauthorized inquiries are having a negative impact on my credit score/report and have been cited as reasons why I have been denied credit.
Name of Business : XXXX XXXX/XXXX ( aka Wheels Financial Group, aka XXXX )
|
| 08/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I took a loan out with loanmart in XX/XX/2016 and put my vehicle up for collateral. I was late with a payment and they came and repossessed my car. The loan was for {$2500.00} and the XXXXXXXX XXXX XXXX was worth at least {$5500.00} XXXX XXXX XXXX After they took possession of my car they say I still owe them all of the loan. I have tried to reason with them and they are crooks. My current balance on my credit report from XXXX with Loanmart is {$22000.00}! I have tried to dispute it with XXXX but it hasn't changed, it is killing my credic score and has for a long time. I am at a loss, I don't believe I owe them anything loanmart came and got my car!
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.
|
| 03/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My account with this company charged off the total amount of {$2600.00} three years ago. since then it is still being reported tot he credit bureaus as an active amount and i just received an alert from equifax today.
XXXX/XXXX/2017 XXXX - Account InformationArchive this alert |Hide alert details The following changes were reported for your XXXX account : Balance Amount Changed from {$7800.00} to {$8700.00} Past Due Amount Changed from {$7800.00} to {$8700.00} How can a charged off loan grow {$970.00} in one cycle and grow {$6000.00} after it was charged off?
They are the definition of predatory lending and should be sactioned!
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FOR MONTHS, I HAVE BEEN TRYING TO RESOLVE THIS FRAUDULENT ISSUE. AND I AM NOT SURE WHERE TO GO AT THIS POINT. I HAVE CONTACTED XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REORT, I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT. I HAVE ALSO CONTACTED XXXX XXXX MANY TIMES BUT THEY HAVE NO ANSWERS FOR ME. I KEEP TELLING ME THAT I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NO IDEA WHAT THIS LOAN IS ALL ABOUT OR WHAT AUTO IS ATTACHED TO. THE REPRESENTATIVE AT XXXX XXXX XXXX WILL NOT RELEASE MUCH INFORMATION TO ME, AND I AM STUCK BETWEEN XXXX AND XXXX. HONESTLY THIS IS RIDICULOUS AND NOT FAIR TO ME.
|
| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX I took out a {$1000.00} loan with Loan Mart. The referral was given by the check cashing place around the corner from my home. I have tried to no avail to work with these people I have paid them over {$2500.00}. They keep trying to get me to take out another loan to cover payments and have charged me {$500.00} in loan fees. The term is supposed to be completed XXXX of this year XXXX, but with the late fees being charged and calculated daily for interest Ill never get my title back. Is this legal? come XXXX I will have paid more than {$3000.00} for a {$1000.00} loan.
Plus approximately {$800.00} in late fees
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.
|
| 01/03/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2022 I took out a title loan with what I thought was a 30 % loan with the online website Loanmart. Loanmart is charging me 99.9 % on my loan. That is not what I signed up for. How is this legal? I've paid them over {$9800.00} with a large payment of {$4000.00} to get my title released. They applied that to " their '' interest instead of my principal a customer service reps informed me, and told me I should of read the " fine print ''. Now there's more fees from them and every month it's another excuse and more money they want. I feel like I am a victim of a " predatory loan '' scam at this point. Please help.
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Am formally reporting XXXX on a previous case I opened with you. Case XXXX. I got this letter from XXXX that my account is paid and they told you I own them. How can an account be paid off and still own to that account. XXXX XXXX actually sold my truck and after collecting more than {$5000.00} from me. I told you XXXX is a financial predator. How can someone give XXXX and a want more than {$10000.00} in return. I took them to court and got a judgement in my favor. They have confirm from the letter attached that the account has been paid. Please see to it that they delete every thing from my credit report. Thanks
|
| 02/11/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17.
First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!
|
| 07/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is trying to collect on a debt that was identity theft. I have sent them several documents told them and several of their collection people who are coming to the my house that it was fraud. I have sent them documentation as well. It's on my credit report they won't remove it. The last report I filed they said that wasn't even their account. As far as I know I think the vehicle they may be looking for has been wrecked and destroy. I do know this was identity theft and I never took a loan out with them. We have a car that is similar in description and I'm afraid they may try and take it and make a mistake.
|
| 03/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I opened up a account with XXXX and immediately notice the loan mart account because I have never had a auto loan with loan mart never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me
|
| 08/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I own two vehicles, a XXXX XXXX XXXX and a XXXX XXXX XXXX and both were included in my Chapter XXXX Bankruptcy and that of my wife. I took out loans with a company called XXXX XXXX and have been speaking with XXXX XXXX, Bankruptcy Specialist, Wheels Financial Group, LLC dba XXXX, Legal Department, P : ( XXXX ) XXXX, F : ( XXXX ) XXXX and they have recently unlawfully repossessed the XXXX XXXX when I was taking it to the mechanic to have it repaired. They do not want to return the vehicle to me immediately and need your help. I attach all the information about the vehicle. Thank you and I await your reply.
|
| 02/09/2018 |
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 had an auto title loan with XXXX XXXX that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to XXXX and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Took out a Title Loan on a vehicle for the amount of {$2500.00} Paid on this loan on time for 5 months. The interest kept raising, to where I was unable to afford the 500 % increase in this loan.
The vehicle was repossessed by XXXXitle Company " 800 Loanmart ''.
Their address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number : XXXX However, they continue to add interest to this loan and keep it on my credit reports as in default of {$17000.00}. with the account " charged off '' in the amount of {$2500.00} They continue to charge interested on a loan that was charged off and repossessed.
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.
|
| 10/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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On XXXX XXXX, XXXX, I was tricked by XXXX to take out an online auto title loan for XXXX} with a XXXX XXXX interest rate for XXXX years. I was told over the phone that it would be XXXX XXXX APR but they never disclosed that was a monthly rate. Over the past XXXX months, I have given them over XXXX} and I still owe them XXXX}. I called them to dispute their illegal business tactics but with no luck. They did offer to lower my rate to XXXX XXXX but I would have to borrow XXXX more and extend my loan to XXXX years. How are they still in business this has to be illegal.
|
| 09/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took a title loan from loanmart when i fell in hardtines. I m a retired service member and now a federal employee. Theybsaid they were kegally allowed to provide title loans in virginia. Virginia law states title loans can go over 36 % interest for residents of virginia. They have the loan at 66 % which is way over they never sent me my contractbwhen i signed and still wont send or provide it. I tried paying down the loan but the interest is too high and i feel like i will never get out of it. Rhey say they can have a high loan because their office is now in utah.
|
| 12/10/2019 |
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 have contacted XXXX directly, as well as, XXXX, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $XXXX. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
|
| 02/25/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to XXXX which are fraudaulent & I'D like that to be removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited 800loanmart terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX and XXXX not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
|
| 11/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The lender is charging me a above there listed interest rate have already filed on complaint and there response is so sorry to bad, I have tried calling to speak with a supervisor and get hung up on I have requested arbitration and they have said its to late but I have already filed for arbitration on my own. California laws strictly limit lenders for tilte loans between the amount loaned $ XXXX {$10000.00} to charge only 3 % monthly interest and capped at 36 % annually. Loan company says that is not true and dont know were I get my information.
|
| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance.
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month.
I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.
|
| 07/23/2019 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
I receive about 3 pieces of mail a week from XXXX XXXX and have sent about 100 back in the mail to them to stop sending me their unsolicited mailings and that I am not interested. I have called them about 20 times to take my information out of their system and I still receive them. I called again today XX/XX/19 and spoke with XXXX XXXX to take me off of their mailing list. It's harassing at this point that I am not interested, I am on a do not call registry and also the opt out on mailings and I still receive these mailings on a weekly basis.
|
| 06/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LOANMART IS REPORTING A PAST DUE COLLECTION ACCOUNT ON CREDIT REPORT FOR {$13000.00} ... I DO NOT RECALL OBTAINING A LOAN FROM THEM IN XXXX FOR THIS AMOUNT. ATTEMPTS TO REQUEST VALIDATE OF THIS ACCOUNT CAME BACK WITH A WRITTEN STATEMENT FROM LOANMART STATING THEY " ARE UNABLE TO LOCATE YOUR FILE ... '' IF THEY CAN'T LOCATE THE FILE THEY SHOULD NOT BE REPORTING IT ON CREDIT AND SHOULD NOT BE AGRESSIVELY ATTEMPTING TO COLLECT DEBT ... 800 LOANMART Account number XXXX ....
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
|
| 02/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
XXXX XXXX ACCOUNT, THIS ACCOUNT IS A FRAUDULENT ACCOUNT, I HAVE SENT EVERY SINGLE DOCUMENT THEY HAVE REQUESTED, INCLUDING NOTARIZED DOCUMENTS. NOT REALLY SURE WHAT ELSE I CAN SEND THEM, I DON'T UNDERSTAND WHU I AM BEING DISCRIMINATED. EVERYTIME I CALL THEM THEY ASK ME TO SEND DOCUMENTS, I SEND THE DOCUMENTS BUT I NEVER RECEIVE ANY RESPND FROM THEM AS FAR AS THE DOCUMENTS THEY HAVE RECEIVED IS CORRECT OR IF ITS MISSING SOMETHING, OR THEY NEED SOMETHING ADDITIONAL SO WHY THEY CANT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
|
| 04/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XXXX XXXX we payed off Title Loan. We had our Boat with trailer and a XXXX XXXX XXXX on Loan. We Received Title back on Boat and Trailer but not on XXXX. I have tried to contact them three times to obtain Title back, to no avail. Once by phone, once by letter and once by E-Mail. Title is suposed to be returned to us i believe after three days, They claimed when we called that DMV was slow and to wait- however we had already received title on Boat and Trailer. Other attempts to rectify have been ignored. it is now 3 plus months.
|
| 02/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took a title loan with a company called XXXX. I finished paying off the loan last month in full. As of today XXXX has not returned my car Title and continues to ignore my phone calls and emails regarding my title. The company refuses to return my title and remove themselves as lienholders. This is clearly a violation and fraud on what they are doing and the company needs to be investigated. They are still reporting to all 3 credit business Bureau that the account is still open and a debt is still owed which is incorrect
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I received a title loan from loanmart for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by loanmart and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report loanmart has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my credit score and preventing me from obtaining an FHA home loan.
|
| 10/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
My truck I worked very hard for was taken XXXX XXXX. It had a title loan on it. They took it and sold it. They claim I last paid XXXX XXXX. I did not even have the truck and filed a release of liability with the XXXX when it was illegally taken. They put the wrong date on my credit report to cause me problems. I did not pay on the truck as it was taken illegally. Please get them to put the correct date. When it was taken it was paid in full. XXXX XXXX did this and filed false criminal charges against me with XXXX.
|
| 10/14/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 01/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I received a pay day loan for XXXX. Dollars I paid {$13000.00}, I paid what I thought I owed, to XXXX XXXX XXXX XXXX, they repossessed the vehicle, I paid the payoff, and only owed {$1500.00}. XXXX, dollars. That was in 2013, now they reappeared on my credit report and are now harassing me and ruined my credit for arbitrary leading reasons. For {$15000.00} XXXX dollars I need this stopped and deleted off my credit report please help.. They need to be put out of business for these types of fraudulent title loans.
|
| 08/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have these different company making wrong report on my credit. Most of these company I do not know and some are predatory. Example is the XXXX XXXX with account number XXXX {$840.00} this company I do not own anything. This company was a predator. I took them to court and I got a judgment in my favor and they still went ahead and make a report on my credit.
Affirm I do not own them anything XXXX XXXX I do not know XXXX I own nothing. XXXX XXXX XXXX XXXX is with accounts XXXX {$11000.00} they are wrong
|
| 09/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting false inaccurate information to XXXX. I also found that my interest is not allowed to be no more than 24 % by Florida law. They have it listed as 178.47 % on this document! Which exceeds Floridas rate caps. They are using usury which is illegal. They have not followed Florida law requirements to process such a loan and their website is very misleading. This is a direct violation of the Florida law and my consumer rights. I ask that this account be removed from my credit file.
|
| 07/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
I received part of the loan. I received {$2300.00} out of {$3000.00}. Was told that's just the way it is. I said to take the money back and they refused. This was on XX/XX/2021. It's been an on going feud since then. They call with harassing phone calls saying hey XXXX payments due. They refuse to send me the loan documents. They lied to the XXXX Attorney Generals office about the situation and it just keeps getting worse. They are harassing me and still won't show any paperwork validating the loan.
|
| 08/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I paid off my loan on XXXX XXXX 2017 and overpaid by about {$100.00}. I have contacted the company multiple times to get my money back and was advised that t can take 20-30 business days for my refund to be processed. Unacceptable. They want their money asap and if they do n't get it on the due date they start harrasing you the very next day, but yet it is ok for them to hold your money for almost 2 months?? That has to be illegal. I want to report them for theft and shady business practices.
|
| 02/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/20 I was looking for a car title loan. XXXX came up on my XXXX search. In fact they are the only one that did because these types of loans are illegal in Ohio. Since I found this out I've stopped paying and have asked for my title back. They are deceptive and operate using fake storefronts. They are threatening repossession. I spoke to XXXX XXXX XXXX and they claim they don't make these types of loans. They are listed as a lien holder on the title. Im at a loss as to what to do.
|
| 05/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
To who it may concern, I XXXX XXXX have a title loan for {$2500.00} with XXXX XXXX I already paid {$1100.00} now need pay {$1300.00} that is remaining owed for my loan plus {$620.00} Which I am will to pay for the principal and interest. Now apparently I owe around {$4000.00} on just daily interest fees. I am suffering financially due to the Covid-19 pandemic and XXXX XXXX has exploited the vulnerability of my already in financial difficulties and is using predatory practices to collect.
|
| 09/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out a title loan and have had issues paying it back, one just the economy but also the main issue is that they keep removing the ability to pay online. When I called and talked to a representative I asked about this and she said based on the account depends on the payment options offered to the customer. So they are intentionally making it hard to pay this load. On top of that they have not sent the payoff amount that I asked to be put in a letter for the payoff to me.
|
| 05/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.
|
| 07/17/2023 |
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 urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent a debt validation letter to XXXX XXXX under XXXX the amount of the alleged debt is diffrent than the amount that XXXX XXXX is reporting to the reporting agencies In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
i obtained a title loan from XXXX for XXXX for 36 months. i paid it off in 12 months over XXXX on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me.
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX Wrote me on my personal email regarding the complaint. He wrote me to validate information and asked no questions pertaining to the debt. I received emails at XXXX with him being immature and refusing to delete the remaining information. Only one month was updated, once I informed him he stopped responding and informed you all that he wrote me directly. I do not have an email to XXXX and only to a personal email that I told him I will soon block him on
|
| 10/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I've been a victim of predatory lending from XXXX. I turned vehicle over to lender in 2017. I have paid owed amount {$1800.00}, several times over. Predatory practices with extremely high interest continues to pile up to over {$8000.00}. I am now low vision and on permanent XXXX, yet company harasses and refuses anything but large amount of money. I live on fixed low income. I have disputed twice but it simply updates debt and adds more owed. Please help me!
|
| 11/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : XXXX Account Number : XXXX Date : XX/XX/2014 Amount :
|
| 10/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX the creditor and I decided on a settlement which was completed and paid as we agreed in the amount of {$1500.00}. When speaking to the lender i was explained the negative remark would of been removed within XX/XX/XXXX after the payment was successful.
As of today XX/XX/XXXX they wouldnt agree to remove the remark on my credit when I was promised so. I'd like to make a complaint for not commiting on what we agreed on back on XX/XX/XXXX.
|
| 01/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.
The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
|
| 08/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Borrowed {$1500.00} made payments for 2 years with no.luck of paying down balance due to high interest rates. I got sick lost my job they towed my car and gave me little.time to pay then {$2000.00} to get my car back to avoid them selling it. I had told them my situation and that I was in the hospital for weeks and they still sold my car. My credit report now states XXXX as a loan that was charged off with an balance of XXXX owed.
|
| 02/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
1 800 Loan Mart has repeatedly called me 30 times a day for the last 7 months also have incorrectly reported negative things on my credit report, also called and threatened me with imprisonment lawsuit call me directory name also told me they would come to my house and do something to me after I paid them {$4000.00} and they took my vehicle now they 're saying I still owe them {$5000.00} the original amount of loan was {$2500.00}.
|
| 10/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!
|
| 07/02/2015 |
Yes |
|
- Lender repossessed or sold the vehicle
|
|
Web |
|
|
I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.
|
| 12/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account was opened without my knowledge. It is now a growing account started at {$2000.00} and is now up to {$18000.00}. I called company requested any info and the refused telling me that no info can be given to me since I claimed it to a fraudulent account, and I was hung up on. Every month this company since 2014 has reopened in credit report and has added a {$240.00} charge making balance in credit report sky high.
|
| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 02/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I currently have z title loan through XXXX the loan is for {$5000.00}. They are charging me 136 % apr. And {$600.00} a month payments. I called them on XX/XX/XXXX to speak with a account manager to restructure my loan due to California changing intrest caps on predatory loans. The loan was opened in XX/XX/XXXX the law changed on XX/XX/XXXX. The company refused to change the amounts making this near impossible to lay off
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also XXXX has that I have all late payments but XXXX has that I have on time payments. Which means both credit companies are supposed to be accurate.
|
| 08/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 10/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX
|
| 03/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/2020 I answered a call from the lender about my past due balance and advised them to pick up my car because Im unable to pay the amount. The collection manager was rude and stated they didnt want the car but want me to pay. I hung up on the person. They call at least 8 to 9 times a day using various numbers starting as early as XXXX my local time in AZ. which has began to be harassing.
|
| 11/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I can't see very well or read well. I took a {$1500.00} title loan on my truck and was told it would {$1600.00} to pay back. I finally got someone to read it to me to double check and they expect me on social security XXXX to pay over {$8000.00} back. Aren't they ripping me off? Isn't it illegal to charge that much interest? I'm paying on it but {$8000.00} ... .. Please help
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 07/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a title loan back in 2021 and I received {$1000.00}. On my first contact it says I'm being charged 98.60 % interest rate. I can't afford the payment XXXX a month and only XXXX goes to the payment I owe. They have been sending me new contracts but the amount and what I owe us wrong. I get another offer but the amount I got and the amount owed is not correct at all
|
| 03/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
So far since 2017 I have been paying this {$3000.00} debt.
I fell behind one time because loss of job. But I told them that too but now have been paying {$270.00} every month for 4 years almost. I paid over $ XXXX in payments already.
I need to get out of this please help. I had no clue it was daily interest of 100 % Thank you I talked to them and still i have $ XXXX
|
| 06/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
WHEN I OPENED MY CREDIT REPORT, I REALIZED THERE WAS FRAUDULENT ACCOUNTS OPENED IN MY NAME AS A RESULT OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED TO GET PERSONAL LOAN. I HAVE NO IDEA WHO MAY HAVE USED MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS REPORTING IN MY CREDIT REPORT THE ACCOUNTS LISTED IN THIS AFFIDAVIT WAS OPENED AS A RESULT OF IDENTITY THEFT.
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.
|
| 11/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
My vehicle was repossessed by XXXX for a late payment. After I contacted them I spoke to different representives from their company and all gave me different information. My personal belongings that are my private property are still in the vehicle itself. My work tools and personal belongings shouldnt be held for a {$100.00} storage fee. But thats what they told me.
|
| 05/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a title loan of {$2100.00} in XX/XX/2018. My payments are {$380.00} per month and I have made 3 payments. When I am 1 day late on my payment, they will call me and threaten repossession of my vehicle.
I asked for a payoff amount today and it was for almost {$3500.00}! This seems so outrageous to owe more than double the loan amount after only 5 months.
|
| 05/23/2015 |
Yes |
|
- Lender repossessed or sold the vehicle
|
|
Web |
|
|
By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.
|
| 03/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I started to realize that my principle wasnt coming down on the original loan. After discussing with an agent i was informed that i had only been paying the interest on the loan and it was accuring at {$8.00} a day which further made me realize that I will never beable to pay off the loan at this rate. They werent willing to adjust the interest accurring..
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Older American |
|
Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Loan mart is saying I owe money when I do not I have a vehicle that was stolen and this was 3 years ago and they are now reporting I owe them money and havent paid in 12 months this is ridiculous I spoke to them numerous times and Im try to buy house this is preventing me from get a loan I made police report as well when vehicle was stolen
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
XXXX XXXX XXXXXXXX # XXXX pulled hard inquiries twice without approval for any. Never even applied with them Also XXXX XXXX XXXXpulled hard inquiry one without approval.
I applied for a loan that stated soft pulls only, the next day the loan companys listed did a hard pull without my approval, I never even applied through them period
|
| 12/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
The Title loan company Wheels Financial Group, LLC dba LoanMart has not been licensed in the State of Florida XXXX XXXX XXXX XXXX for 20 years and they are acting illegally as a service provider for XXXX XXXX XXXX in Utah. They're trying to collect on a voided loan due to the company 's non-compliance with the Florida Title Loan Act.
|
| 06/01/2020 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I borrowed XXXX from XXXX XXXX and had made {$800.00} worth of payments so far. I checked my balance and I still owe XXXX plus. In Ohio predatory lending is illegal and so are vehicle title loans. I would like my interest to be at a 36 % APR which is the max that can be charged in Ohio. I believe my rate is over 700 % at this time.
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
A title loan was taken out in my name in the amount of XXXX I did not open this account. The loan number is XXXX. Monthly payments have been made on this account but I did not open this. My vehicle was broken into my identifying information was stolen and some one reopened a loan. I need this resolved and I need my title back
|
| 05/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
https : XXXX This says it all. They are out and out a loan shark company no doubts yet CA allows them to charge 140 % in interest according to a lawyer total plus XXXX $ a day. You can never pay them back by payments. I paid over XXXX $ a month my and bill is bigger then ever. It does no good to contact them at all.
|
| 11/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a debt and the collector has begun to call family friends given personal information about the debt and why they are calling leaving detailed messages. Contacted many family members demanding locations and money even thought the collector already has my number and address for them to contact.
|
| 05/04/2018 |
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 |
|
|
No loan was taken out but there are several soft inquiries from the company on my report as recent as XX/XX/2018, hadnt been in contact with the company nor have I given them the approval for running anything in my name. Tried contacting them several times and hadnt had any luck with them stopping
|
| 08/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
https : XXXX This petition says it all. You can never pay it off. I have paid XXXX $ mo. And paid what was owed but 140 % interest keeps causing it to go up! One of their loan persons admitted you will never be able to pay it off by payments. One supervisor told me learn to walk. We get your car.
|
| 07/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took the loan out from this company but was not aware the interest rate was 99.22 % I have already paid almost XXXX into this loan and this company is expecting me to pay them XXXX dollars I don't have this kind of money and I'm not gon na give them my car I need help with this please help..
|
| 05/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, I mailed a letter to 800 Loan Mart requesting them to validate this debt. Have not received a response to validate debt. This account was removed from XXXX and XXXX but has not been removed from XXXX. According to FCRA any inaccurate data must be removed from kredit profile immediately.
|
| 07/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
LoanMart took unfair advantage of XXXX year old XXXX XXXX by charging 101 percent interest on a car title loan. XXXX XXXX borrowed {$14000.00} to fund a sweepstake scam and was forced to pay over {$44000.00} in interest fees for the loan on a car valued at approximatel {$20000.00}
|
| 06/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX XXXX dob XXXX ssn is XXXX account number XXXX this was for 36 mo wi state law sz after maturity date you can not charge more than 2.75 interest there are charging me 120 % still after the maturity date please remove from my credit report since this is done illegally
|
| 09/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX Charged off XXXX of a XXXX dollar loan and trys to continue to add interest every month since 2016 accumulating an outstanding debt of now XXXX dollars XXXX XXXX is a Loan shark Im am being bullied into paying a ridiculous debt deliberately attacking my Credit
|
| 10/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
In XX/XX/2019 took out a title loan for {$3000.00} with XXXX. over the year I have paid {$2600.00}, however, XXXX is saying that I owe {$4500.00}. I feel that their practices are suspicious and unwarranted.
I continue to make payments but my balance is not going down.
|
| 08/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I finance a loan for {$2000.00} and the place is over changing me they took my car when I wasnt even 30 days past due adding additional fees. I explained to them that my baby had XXXX and that I could make a payment on the XXXX XXXX XXXXXXXX can someone please help me
|
| 12/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I was a victim of identity theft last XX/XX/2019. Since then someone used my info on my computer to acquire a loan on my vehicle that i purchased several years ago via cash. i still have the title. XX/XX/XXXX is not recognizing the it and is going to sell my vehicle.
|
| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling
|
| 05/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I received this loan and the amount was low but the repayment is very high and im not able to psy it. And they arevacting like thry want to help me but they really just want me car cause the payments are ho high to pay snd feed my child or pay my rent snt bills.
|
| 05/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Someone applied for a title loan in my name the car as far I know has been totaled. There keep trying to collect from me I've sent them information on ID theft and it wasn't me. They still are trying to collect on something I didn't even do. XXXX XXXX XXXX.
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I took a XXXX title loan and was charged XXXX XXXX dollars in interest I've paid them a little over {$26000.00} and counting over the course of time the loan was fulfilled last year but I'm being told it was not and being forced to pay more than enough
|
| 10/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.
|
| 12/03/2018 |
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 |
|
|
XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit and Reporting act XXXX account XXXX has violated my rights. This account has consistently reported several inaccuracies on reporting payments imcorrectly and account balances also being incorrect
|
| 02/04/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.
|
| 03/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX, XXXX, XX/XX/2017 I had late payments due to financial hardships which is why I got the loan in the first which I'm now on top of and working to pay off my title loan. XXXX reported late payments on my credit history reports.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 04/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I am in a title loan which has an extremely high interest rate. Since I am on XXXX XXXX I believe I am covered under the Military Lending Act & The Servicemembers Civil Relief Act for a reduction of interest.
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a car that was charged off in XX/XX/2014 and Loan Mart is continuing to report 120 day lates to current dates. This is illegal and hurting my credit. After the charge off they cant report late payments.
|
| 02/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took this out and redid 4 years ago I had my XXXX XXXX so had to stop so I lost my job there still adding interest and really affecting my credit even after many years later I dont know how that is legal
|
| 05/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.
|
| 04/20/2020 |
No |
- 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 XXXX XXXX XXXX keep saying its my account and its not I had this problem going on 3yrs. I even called XXXX and reported for thus company to be removed cause its showing on my credit twice.
|
| 10/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I am received numerous call to my job, and threatening calls to my cell phone. Which I agreed to pay the loan off on XXXX XXXX, 2015. XXXX ask told me to get a better job to pay bills I have.
|
| 09/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was charged late fees from the start of my loan and i was not late and then they have took double payments and chargen me very high interest rates and i am a XXXX veteran on a fixed income
|
| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX INSTALLMENT LOAN IS FRAUDULENT AND NOT MINE. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I HAVE SENT NUMEROUS IDENTITY THFT REPORTS SINCE I HAVE BEEN A VICITM OF IDENTITY THEFT.
|
| 02/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The loan company received the payment and it cleared my bank on the XXXX of XXXX. However, they didn't " post '' it until XX/XX/2022 so they are charging me late fees. It is crooked.
|
| 05/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Intrest rate is too high and I can't keep up with this loan due to pandemic, losing my job and my vehicle is my only source of transportation. This day the interest rate is illegal!
|
| 06/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
|
| 02/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX XXXX- 1st car loan- in accident in 2015. Car was towed. Impound yard tried to charge $ XXXX for storage. They sold the car at auction. Had no options to resolve matter.
|
| 01/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
They are harrassing me at work and on my cell ph. keeps calling my company and asking for me. Very rude and trys to give them information about my loan to my coworkers
|
| 04/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I Get a title load i dint reliced they give me a over 100 % on enteres i traed to work with the company on the high enteres. They closed all my doors and repo my car
|
| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/2023 {$2300.00} title loan was taking out Im currently living in the state of Louisiana this company is charging me 97.8 % of interest which is illegal
|
| 06/29/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
800 Loanmart is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..
|
| 11/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I made a settlement offer that they accepted. I paid it. Two months later they are asking for more money and not giving me my title to my car back.
|
| 09/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company keeps decreasing and increasing my balance every month to keep activity updating every month. From my understanding this is illegal.
|
| 08/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The person responsibe for this account has passed away. His vehicle was also repoed by 800LoanMart. This debt is not my responsibility!
|
| 10/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
A illegal title loan was done which is illegal is XXXX. The rate of 98.65 % is illegal also made self the company my lawyer illegal
|
| 12/27/2018 |
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 have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report
|
| 11/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company put paid and closed on the account, and they keep changing their dates by updating it each time I dispute it.
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
The account was charged off also car was repo and they still trying to charge me all dis fees also the account was closed
|
| 02/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This account is closed, yet the company keeps posting late payments every month to XXXX and other reporting agencies.
|
| 04/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
Servicemember |
|
I was a victim of identity theft while in the XXXX and recently found out that I had this on my credit report.
|
| 12/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
I attempted to pay off a high interest loan, and was prevented from doing so, see attached letter to Company.
|
| 03/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Loan mart has called my place of employment threatening to get me fired and or have me sued and put in jail
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX These accounts are not mine. I am a victim of Identity Theft.
|
| 03/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I signed a new agreement and they went back to the old one. which all my payments went to interest.
|
| 09/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
LoanMart has been calling me back to back several times a day harassing and threatening me.
|
| 06/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid and should be removed from my credit reporting as agreed when debt was paid.
|
| 12/31/2016 |
Yes |
|
- Lender repossessed or sold the vehicle
|
|
Web |
|
|
I have a interest rate of 400 % making my debt impossible to pay off and they took my car.
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
They obtained a number for a relative and disclosed all my account information!
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of violent crime. I am not responsible for this account.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have NO KNOWLEDGE of this account.This is fraudulent
|
| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
Mortgage loans are open and apper on my credit report
|
| 10/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Excessive fees phone calls and messages
|
| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2024 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/23/2023 |
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 |
|
|
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
Older American, Servicemember |
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
Older American |
|
|
| 10/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 07/27/2023 |
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 |
|
|
|
| 07/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
|
| 07/01/2023 |
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 |
|
|
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
|
| 05/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/16/2023 |
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 |
|
|
|
| 02/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 02/02/2023 |
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 |
|
|
|
| 01/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Older American |
|
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Phone |
Older American |
|
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 09/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/11/2022 |
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 |
|
|
|
| 03/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Phone |
|
|
|
| 03/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 01/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 11/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Older American |
|
|
| 11/10/2021 |
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 |
|
|
|
| 10/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 10/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't stop withdrawals from your bank account
|
|
Referral |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2020 |
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 |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 11/01/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 08/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 07/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 04/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/02/2020 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
Servicemember |
|
|
| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 02/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
|
| 12/06/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 10/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
|
| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 10/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 04/03/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 03/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 02/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 07/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Servicemember |
|
|
| 04/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 01/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Fax |
|
|
|
| 01/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 10/25/2017 |
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 |
|
|
|
| 09/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 04/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/30/2017 |
Yes |
|
- Lender damaged or destroyed vehicle
|
|
Phone |
|
|
|
| 02/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Lender repossessed or sold the vehicle
|
|
Phone |
|
|
|
| 12/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 01/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 11/13/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
|
- Payment to acct not credited
|
|
Phone |
|
|
|
| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 10/13/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Fax |
|
|
|
| 10/03/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 05/31/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 04/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 03/24/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Fax |
Older American |
|
|
| 03/23/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Fax |
|
|
|
| 03/17/2015 |
Yes |
|
|
|
Web |
|
|
|
| 03/13/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 02/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 01/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 01/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 01/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
|
| 11/30/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 09/18/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 08/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 06/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/05/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 01/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/30/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/27/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 01/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/19/2013 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
Older American, Servicemember |
|
|
| 11/15/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/18/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 08/19/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|