Consumer complaint received 2021-03-07
Company: Consumer Financial Services
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I included Consumer Finances ( Auto Loan ) in a Chapter XXXX bankruptcy in XXXX of XXXX. I was successfully discharged from the bankruptcy in XXXX of XXXX with all accounts paid in full. After nearly 3 months of not receiving the title of my vehicle, I contacted my attorney. My attorney confirmed that the account was paid in full and that I should have received my title already. He then advised me to contact Consumer Finances directly. I called Consumer Finances located at XXXX XXXX XXXX XXXX, IL XXXX in XXXX of XXXX and was told that the branch manager, XXXX XXXX, was in charge of my case and she was not in. I left a message for her and was told that she would contact me later that day or early the following day. A week passed and I continued trying to reach XXXX for nearly a month. Finally, I was able to speak with her and was asked to provide proof of the discharged bankruptcy via email. I complied immediately, yet XXXX did not confirm receiving the document until nearly two weeks later. After she confirmed receipt of the information, she said that she would reach out to me after reviewing my account. When I did not hear from her after a week, I called again and was told that she never received the document. So, I sent them again and the cycle of stone walling antics began again. I continued to reach out to the office but my calls were either being ignored or someone would pick up the call and we would mysteriously get disconnected. At this point I was frustrated beyond measures, and began communicating my experience with Consumer Finances with my bankruptcy attorney. My attorney continued to advise me to talk with Consumer Finances directly, so I continued the overwhelming process. It was now the end of XXXX in XXXX and I had not gotten anywhere. Feeling defeated I tried one last time, only for XXXX to blatantly disrespect me with her nasty demeanor. She basically yelled at me stating that, She was not sending me the title to the vehicle, because her account reflects that I still owe a balance approximately {$4000.00}. The document that you provided is not a sufficient record that your bankruptcy was discharged and i should not even be communicating with because the account is in bankruptcy! XXXX than abruptly hung up the phone in my face and ignored my calls there after. I contacted my attorney again and insisted that he correspond with Consumer Finances to resolve this issue. Eventually, my attorney complied and reached to the finance company in XXXX of XXXX. My attorney was able to secure my title from Consumer Finances and he mailed me the vehicle title two weeks later. Receiving my title solidifies that my account was paid in full, yet to present date Consumer Finances continues to report to the credit bureau that my account is delinquent and I owe roughly {$4000.00}. I disputed the account directly with the credit bureau and was told that the information has be changed directly through the financial institution that the account is under, because they were reporting the information. I reached out to Consumer Finances a week ago, and was told that XXXX XXXX is in charge of my account and will give me a call. I have yet to hear from XXXX.

Company response to consumer: Closed with explanation