Consumer complaint received 2019-03-25
Company: Avid Acceptance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AVID ACCEPTANCE has been at will changing late payments, deciding that after 4 months a payment was made late already reported and made on time. To this effect, they now have me in a delinquency status, that is reporting to each bureau inaccurate, accosting, damaging 30 day late payments that are completely in violation of the FCRA, as I made payments on the date due. Having the date due moved took 4 months after initially attempting several times to have this adjusted to match my pay period, a threat of next day repossession even though the loan was not 31+ days late aka officially DELINQUENT PAST 30 DAYS/1 month from the last due date. Ive had lies told to me that they could not change what was being reported or has been, even though I have proof they did and do at will. I suspect this is to punish me as the XXXX late that was an on time pay, changed in XXXX when they reported and posted my payment on day XXXX out from the last payment due date and have been doing so since. 

This has crippled my post bankruptcy standings with my apartment complex as I am not able to credit qualify to add a unit lease due to these falsely reported delinquencies. They stated that because XXXX had 31 days, my payment was 31 days late on the due date of XX/XX/XXXX which is when I made the payment, on the date due. Then stated that it takes months for the CRAs to post late payment history which is flat out misinformation and lends to their lack of knowledge on how creditor/debtor tradeline credit reporting is 100 % on the creditor to validate, update, adjust, delete, fix and or change ANY tradeline history accurately and responsibility or not at all. 

Their website does not allow for posted date payments nor do they have any understanding of how the number of days does not float a fixed rate simple interest loan monthly due date. Besides them not actually moving the due date to a comfortable XXXX, they have misrepresented dates Ive made payments, not recorded payments in statements, and I have attached proof of archived credit reports, debits from my accounts, the dates to show that AVID ACCEPTANCE is playing fast and loose with my credit and the FCRA. Besides me being denied credit as this tradeline is my ONLY post BK creditor reporting negative information, accosting me in more ways than just the stress of dealing with your lienholder lender that is highly resistant to work with their debtor for the best outcome without having to escalate, intervene and educate via third parties. Instead, just lie or make up laws rules and regulations on credit reporting, just continue to damage my post BK standings, as if I am going to allow them to do so because they are unhappy that I fell less than 1 payment behind.

Mind you our last convo after the XXXX  was involved, they agreed to fix the XXXX payment back to paid as agreed, remove the erroneous other lates, offered a deferment and a due date change to the originally requested XX/XX/XXXXafter 6 on time payments. Credit reporting is not a tool to be used at whim to report inaccurate information because I stopped taking phone calls from them during rapid withdrawal from xanax in which I answered no phone calls from anyone due to the stress of increased anxiety via acute withdrawal. This is when they went and reported XXXX late 4 months later, and put my loan in 30 day late status for months, sometimes accidentally reporting correctly before changing it to 30 days late. I have all of the proof from my archived credit reports, and payments from my debit accounts. 

DUE DATE XXXX XXXX - XXXX AND XXXX REpoRTED LATE 31 DAYS+ PAYMENT MADE on DAY 30 XXXX - 1 FULL loan PAYMENT MADE before day 31, REPORTED LATE 31+ XXXX - ALREADY LATE - AFTER DEFERMENT, AFTER PAYMENT MADE ON TIME with 0 DAYS LATE! 

AVID decides to debit my account whenever they like even if it's debit the charge will not be taken for sometimes a full 4 days after I submit payment online. Their statements report no payments but the payment portal has some of my history. I will upload secure bank docs at request if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation