Consumer complaint received 2022-03-31
Company: Rock Creek Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX sold my leased vehicle from XXXX leasing to XXXX. I leased this car for almost 2 years from XXXX until XXXX and no one told us that we would be paying {$290.00} per week, every week for almost 2 years and that is almost {$1200.00} per month for a leased vehicle that no longer had warranties on after the decided to sell the cars to XXXX. The only reason I leased this automobile is because we were guaranteed the entire time we had the leased vehicle we would have a full warranty with no mileage caps. XXXX never informed us by mail or writing that we would be dropping the warranty. One day, I was having issues with the leased vehicle and took it to my mechanical and was told by him that the warranty had expired on this car. I called XXXX and spoke to them and asked them and they stated that they were going to send a letter to all the drivers letting them know that once XXXX purchased the debt, the cars no longer had warranties on them. I explained to XXXX that they should have let us know this early so that we could have made plans to find other transportation because we were already paying ridiculous amounts for these leases anyways. So, I informed XXXX that I no longer wanted a car that I needed to pay a additional warranty for after paying over {$1200.00} per month or more for almost two years not to include ride share insurance of {$300.00} per month. They came and got the car and I never got anything else from this XXXX company so I had no idea that they would be charging me for anything because they picked the car up with no issues. A couple of weeks ago, I started getting collection letters, in which i thought was a scam from a company that didn't Identify this was for Fair, a old lease, they just said that I owed them. I had no idea who this company was and I just wondered why no one ever told me over 4 years ago I had a balance owed, in which I know that I didn't because you could not go past due on Fair leases more than 2 weeks or they would come and pick up your car. I paid over {$18000.00} for this leased vehicle the 2 years I had the automobile and a deposit and couldn't understand why I had to pay {$6900.00} when I paid a {$1000.00} deposit to even get the lease. I never got a bill from anyone and never knew that I owed anything. I had the lease for over 2 year and paid a {$1200.00} per month or more for the car and was in good standing. I paid {$290.00} per week out of each XXXX check and I paid it directly to XXXX at first, however I started paying directly to XXXX XXXX after XXXX stated that they would no longer be taking the {$250.00} out and we would need to pay directly to XXXX. I don't understand how they can put this on my credit report after no contact, no bills, no calls, until a couple of weeks ago. The letter didn't show the original owner of the debt either and I thought this was a scam. My contract was month to month and was informed that I could return the car at any time if I kept the lease for 6 months or more I would not be penalized. I kept the car in excellent condition. All my payment reports were on the XXXX leasing website and I only have what XXXX use to take out before we started paying directly to XXXX. This companies collection method if slanderous to my character and lowering my credit score because of the inaccuracy. The letter came from a company called XXXX  collecting for Rock Creek Capital. I have attached a statement showing the amount that was paid directly through XXXX, however XXXX leasing payments started going directly through them and because they are no longer is existance, I have no record of those transactions.

Company response to consumer: Closed with explanation