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2018-04-27T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.814217 | -0.036396 | 0.384391 | 0.387404 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | 77088 | null | Other | Web | 2018-04-27T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-05-21T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.784897 | -0.497475 | 0.305593 | 0.197672 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | The XXXX XXXX XXXX was reposesesed approximately XXXX weeks prior to today 's date.i enquired when the car was to be auctioned on approximately XX/XX/XXXX and was told the car would be auctioned on XX/XX/XXXX. On XX/XX/XXXX I contacted the auction facility and the car was already sold. Not allowing me to retrieve it, through either bankruptcy or back payment.After the auction I've been notified that I'm responsible for approx {$14000.00} Which is twice as much as what the car is worth. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | XXXXX | null | Consent provided | Web | 2018-05-21T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-06-04T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.824217 | 0.462211 | 0.450241 | 0.57889 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I disputed the information with all three credit bureaus about this creditor on my credit report. They are reporting false and misleading information and causing my personal credit score to drop with the information they are providing this company needs to be deleted off of my report due to reporting inaccurate information and also opening the account back up when it's been closed for 3 years saying closed. On XX/XX/XXXXXX/XX/XXXX GO Financial opened up the old account and reported me 8 payments behind when the account was closed for three years. Please have this company delete all information that they are reporting all my credit bureaus I am asking for this company to be removed off of all three of my credit bureaus due to reporting inaccurate information. Since this information is being reported wrong on my three bureaus it needs to be deleted due to the Credit Reporting Fair Act. Also this account was closed in XX/XX/XXXX it is XX/XX/XXXX and they are still reporting inaccurate information please delete off of my bureaus thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OH | 454XX | Servicemember | Consent provided | Web | 2018-06-05T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-06-13T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.796407 | -0.039583 | 0.426513 | 0.394446 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 32514 | null | Consent not provided | Web | 2018-06-13T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-06-15T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.823456 | -0.170958 | -0.061454 | 0.197015 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30152 | null | Consent not provided | Web | 2018-06-15T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-06-29T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.749574 | -0.539782 | -0.204201 | 0.001864 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SC | 29229 | null | Consent provided | Web | 2018-06-29T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-07-27T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.763621 | -0.544517 | 0.158919 | 0.126008 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | XX/XX/2018 I talked to a customer service representative at XXXX XXXX we discussed applying credit of XXXX toward account I mailed in XXXX to make a complete payment of XXXX, credit was never applied to reflect payment, auto loan was originally contacted with Gofinancial. I was told that there is a credit, but it's not a credit? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MS | 39180 | null | Consent provided | Web | 2018-07-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-08-09T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.711304 | -0.650243 | 0.094085 | 0.051716 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I made my payment XX/XX/2018 The payment posted XX/XX/2018 of XXXX. 10 days later the co. Is stating the payment was reversed and went back into my acct. I have provided several items from my bank have diligent worked to get this situation resolved. However the co. Has not excepted anything I have faxed them. Haven't reached out to even say faxes have been gotten. I've had to go through CS line automated lines 30 mins plus to get to the right staff. Everytime. I began emailing information it was said they would email back when received never have. But at this point. No contact from them and the status of my account is still delinquent. Might I add I have only one payment left to make on this loan. I am desperate for help at this point. | null | TX | 76227 | null | Consent provided | Web | 2018-08-09T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-09-16T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.829193 | -0.140493 | -0.061454 | 0.209082 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | GA | 30180 | null | Consent not provided | Web | 2018-09-16T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-10-08T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.765421 | 0.131048 | 0.19629 | 0.364253 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem while selling or giving up the vehicle | In XXXX, I opened an account with Go Financial which is now XXXX. In XXXX, I went to trade in that vehicle while being promised by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH that the remaining balance from my other carwould be taken care of. XXXX XXXX paid the balance off, 45+ days late. Now my credit report shows 2 late payments in XXXX and XXXX XXXX from Go Financial because the account was still in my name somehow even after I traded the vehicle in. I have contacted both XXXX and XXXX XXXX dealership to fix this but nothing has come of it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IN | 47331 | null | Consent provided | Web | 2018-10-08T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-10-26T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.812638 | -0.455591 | 0.290317 | 0.215788 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | on XX/XX/XXXX I looked on my XXXX report and saw a collection for XXXX XXXX XXXX XXXX so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with XXXX XXXX XXXX XXXX so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form | null | GA | 30297 | null | Consent provided | Web | 2018-10-29T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-11-29T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.717909 | -0.459712 | -0.085973 | 0.057408 | Debt collection | Auto debt | Communication tactics | You told them to stop contacting you, but they keep trying | We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, Go Financial. Somewhere down the line, a new provider, XXXX, acquired our loan.
Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript.
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt.
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt.
Me : Please stop Them : Thank you for your recent XXXX payment of {$290.00}. Please visit XXXX for full details. For help : HELP. To opt out : STOP.
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt.
As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 302XX | null | Consent provided | Web | 2018-11-29T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-03-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.827901 | -0.222225 | 0.082758 | 0.229478 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | null | null | null | null | null | Phone | 2019-04-05T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-04-19T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.795767 | -0.096955 | 0.305593 | 0.334801 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 32835 | Servicemember | Consent not provided | Web | 2019-04-19T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-05-03T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.782787 | -0.160666 | 0.384391 | 0.335504 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | This debt is not mine please remove this debt from my Credit Report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NY | 10977 | null | Consent provided | Web | 2019-05-03T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-05-17T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.717013 | -0.273233 | -0.204201 | 0.07986 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MN | 55379 | null | Consent not provided | Web | 2019-05-17T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-05-31T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.805504 | 0.048783 | 0.305593 | 0.386626 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | Number XX/XX/XXXX Date Generated General Account Info Account Name GO FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Repossession. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX.
Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX XXXX XXXX {$0.00} Original Balance {$12000.00} Highest Balance {$0.00} Terms 72 Months On Record UntilXXXX XXXX I spoke with this company numerous of times about hardship before they basically rejected my payments they sent me letters constantly called me and talk with me and i communicated with them i even sent them my XXXX papers and my laid- off papers explaining to them they can give me another week i can have my payments caught up even the week before they came pick up the car they had my debt card numbers and my checking account numbers i had set up numerous of payments arrangement made arrangements with customers reps and they still sent the towing repo man out to pick my car up they told me they didnt want ant money from me unless i had the XXXX for the car in full on my old phone that got destroy. I recorded the conversation with the lady that told me i can pay half and they will give me time next thing i know the repo man was knocking on my door coming to my job i was leaving the doctors appointment getting my check up from whre i had XXXX and i even explain to him showed him that i had the money to get caught up on my payments and he said well please called them and try to work something out i want take the car this time the next day after speaking with again trying to work something out they wanted me to come up with XXXX in 24 hours thats the only way i was able to keep the car and then i try reaching out to this company they tell me sorry its under new management they dont see my account but still reporting it to the agency | null | TX | 76039 | null | Consent provided | Web | 2019-05-31T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-07-25T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.828631 | -0.518314 | 0.064542 | 0.124953 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I didn't open the accounts somebody else must to open the loan | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30126 | null | Consent provided | Web | 2019-07-25T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-08-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.837376 | -0.196682 | -0.455498 | 0.061732 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60621 | null | Consent not provided | Web | 2019-08-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-09-08T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.789277 | -0.086528 | 0.020753 | 0.241167 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | GA | 30083 | Servicemember | Consent not provided | Web | 2019-09-08T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-10-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.771454 | 0.40467 | 0.426513 | 0.534213 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | Go Financial authorized a fraudulent loan in my name from a XXXX XXXX which at the time was my ex husband. Apparently my id was used and once notified via emails of this car loan I contacted the company and they did nothing to assist, but send me paperwork of signatures, but I never signed for a car or anything for Mr. XXXX. The company sent me paperwork of payments Mr. XXXX made, my email address was used which is how I found out about the account. My ex is in prison now so I could not get any more information. I reported my information stolen after failed attempts with this company and I sent them all I had, but Go Financial still would not remove my name from the loan and him and an unidentifiable woman opened. I kept disputing over time and XXXX along with XXXX finally removed after further investigation, however XXXX still has not and now they have revoked my time to submit disputes for the issue. I am needing this removed from XXXX credit bureau as it has been investigated and found NOT my debt and fraudulent by the other 2 bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MO | 63301 | null | Consent provided | Web | 2019-10-07T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2019-10-26T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.821972 | -0.717401 | 0.188867 | 0.097812 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | Hello, My name is XXXX XXXX I have been in touch with XXXX from XXXX. XXXX set me up with a payment arrangement and told me to call when ready to pay. The arrangement date was set for XX/XX/19. About 4 days before the XXXX I contacted XXXX and left a message for a call back but no call back was received. I called again but no answer. I was told to call to do payment Over the phone but none of my calls have been returned.
I did not want to file a complaint, I just did not know how else to get in contact with the company.
I was left with only phone number and not a direct email. | null | GA | 30083 | null | Consent provided | Web | 2019-10-26T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-01-23T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.816014 | -0.163014 | 0.020753 | 0.224584 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30083 | Servicemember | Consent not provided | Web | 2020-01-23T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-02-20T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.74265 | 0.149763 | 0.305593 | 0.399335 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | My car was repossessed. The lender did not let me know what will happen to the car. State law requires them to tell me when it will be sold at public auction, state law requires that the creditor tell me the time and place of the sale so that I can attend and participate in the bidding.If the vehicle will be sold privately, I had the right to know the date of the sale.Georgia has a consumer protection law that allows me to reinstate my loan which they denied. The creditor failed to resell my car in a commercially reasonable manner. I plan on claiming against this creditor for damages or a deficiency judgment. The creditor tkept or sold my personal property ( a new car battery, a XXXX bbq grill ). The creditor did not tel me what personal items were found in my car and how I can retrieve them. The creditor didn't use reasonable care to prevent anyone else from removing my property from the car. This creditor cant account for articles left in my vehicle. After I requested them remove the repossession form my credit, they sent me letters to try and be in conformity with the law. My XXXX credit report reflects a closure date of XX/XX/2017. | null | GA | 30331 | null | Consent provided | Web | 2020-02-20T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-02-26T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.782319 | -0.165027 | 0.305593 | 0.307628 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | null | null | OH | 44108 | null | Consent not provided | Web | 2020-02-26T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-02-29T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.788155 | -0.063309 | 0.384391 | 0.369745 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | This in not my debt it is due to identify fraud I sent information to company that is reporting debt company it is still reporting information to my credit | null | GA | 30126 | null | Consent provided | Web | 2020-02-29T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-07-26T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.741627 | -0.213077 | -0.204201 | 0.108117 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | null | null | FL | 32824 | null | Consent not provided | Web | 2020-07-26T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-08-21T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.777817 | -0.507573 | 0.305593 | 0.191945 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | I wasn't afforded the opportunity to recover the car, I was told The car was sold the next day at auction. Along with my personal belongings still in the car.The remaining balance was sold to XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30331 | null | Consent provided | Web | 2020-08-21T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2020-12-06T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.754448 | -0.454227 | -0.556688 | -0.085489 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CA | 94520 | null | Other | Web | 2020-12-10T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-01-27T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.718178 | -0.434065 | -0.370427 | -0.028771 | Credit card or prepaid card | Payroll card | Unexpected or other fees | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IN | 469XX | null | Other | Web | 2021-01-27T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-02-20T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.837192 | -0.193291 | -0.048745 | 0.198385 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | null | null | FL | 34237 | null | Consent not provided | Web | 2021-02-20T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-02-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.809903 | 0.07355 | 0.4533 | 0.445584 | Payday loan, title loan, or personal loan | Title loan | Struggling to pay your loan | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 32835 | null | Consent not provided | Web | 2021-02-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-03-31T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.815484 | -0.236924 | 0.028003 | 0.202188 | 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 | null | null | IL | 60126 | null | Consent not provided | Web | 2021-03-31T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-05-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.811368 | -0.099052 | 0.064542 | 0.258953 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | DE | 19977 | null | Consent not provided | Web | 2021-05-07T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-05-13T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.793268 | 0.032233 | 0.421605 | 0.415702 | Vehicle loan or lease | Loan | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | I have be struggling with this loan company and they just don't want to help me. I have been making payments as I can and I check before my car was repossessed just recently I was just 30 days past due. Normally I would get a letter in the mail stating to pay by such an such date other wise we can legally or something take the property. This. company is know not to work well with anyone who is going through a finincal hardship even during this pandemic. | null | FL | 32808 | null | Consent provided | Web | 2021-05-13T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-05-18T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.81104 | -0.171048 | 0.028003 | 0.222665 | 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 | null | null | MI | 48111 | null | Consent not provided | Web | 2021-05-18T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-06-24T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.81078 | -0.24573 | -0.412352 | 0.050899 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Card company isn't resolving a dispute about a purchase or transfer | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | 75231 | Servicemember | null | Phone | 2021-06-24T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-08-12T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.805483 | 0.04167 | -0.017206 | 0.276649 | 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 | Pursuant to 15 usc 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 usc 1602i means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor pursuant to Title 15 usc 1602g. Pursuant to 1681b ( a ) ( 2 ) I have not provided expressed written consent for any of these items to be furnished on my report. You do not have permissible purpose to furnish these items. I demand pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), & amp ; 15 U.S.C. 1692g that the following transactions : GO FINANCIAL Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XXXX XXXX, 2021 be removed from my credit report immediately as you are violating my rights as a federally protected consumer under title 15 chapter 41. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the below actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4 ) Violations of 15 U.S.C. 1681a 5 ) Violations of 15 U.S.C. 1681b | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IN | 46410 | null | Consent provided | Web | 2021-08-12T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-08-20T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.737172 | -0.211516 | -0.145278 | 0.126792 | Vehicle loan or lease | Lease | Incorrect information on your report | Account information incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 32837 | null | Consent not provided | Web | 2021-08-20T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2021-10-13T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.795942 | -0.020665 | 0.379557 | 0.384944 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60404 | null | Consent not provided | Web | 2021-10-13T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-01-20T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.813068 | -0.234028 | -0.017206 | 0.187278 | 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 | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60419 | null | Consent not provided | Web | 2022-01-20T00:00:00 | Closed with explanation | No | null | go capital holdings, llc | 0.92172 |
2022-02-03T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.809476 | -0.224236 | -0.017206 | 0.189345 | 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 | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60419 | null | Consent not provided | Web | 2022-02-03T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-06-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.770497 | -0.109598 | 0.426513 | 0.362471 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 28208 | null | Consent not provided | Web | 2022-06-07T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-07-03T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.73962 | -0.072545 | 0.336066 | 0.33438 | 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 | XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX disputed spoke to company and was advise debt to have been verified payment history show different on every report XXXX show account type : auto loan status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment account status date : XX/XX/XXXX balance update : XX/XX/XXXX | null | FL | XXXXX | null | Consent provided | Web | 2022-07-03T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-08-19T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.814206 | -0.188695 | 0.22585 | 0.283787 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. | null | GA | 30080 | Servicemember | Consent provided | Web | 2022-08-19T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-12-05T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.816889 | -0.061756 | 0.082758 | 0.279297 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the fair credit Reporting act XXXX Account # XXXX Go Financial has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | VA | 23224 | null | Consent provided | Web | 2022-12-05T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2022-12-21T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.816931 | -0.284125 | 0.028003 | 0.186937 | 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 | After reviewing my credit profile on XXXX Ive identified a discrepancy with the account listed under Go Financial & requested that this account be removed due to New Jersey statue of limitations. This account has been on my report for 7 years and the statue of limitations for the state of New Jersey is 6 years. I have not receive any correspondence from any of the XXXX credit bureaus to have this account removed which is negatively affecting my credit, nor has it been updated. Please strike and have this account removed from all XXXX credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PA | 185XX | null | Consent provided | Web | 2022-12-21T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2023-06-17T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.815356 | 0.150704 | 0.082758 | 0.349606 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | GO FINANCIAL Auto Loan with account opened on XX/XX/2014 and a balance of {$0.00}.
I previously disputed this account stating : ''The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. The company has failed to update my credit report or provide proof of the investigation and proof of the negative payment status for this account, or delete the negative information from my credit report. | null | CO | 80012 | null | Consent provided | Web | 2023-06-17T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2023-06-18T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.806491 | -0.117122 | 0.064542 | 0.251304 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60502 | null | Consent not provided | Web | 2023-06-18T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2023-08-15T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.811434 | -0.207662 | 0.174293 | 0.259355 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CA | 92563 | null | Other | Web | 2023-08-15T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2023-10-12T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.771893 | -0.220941 | 0.052944 | 0.201299 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | null | PA | 19129 | null | Consent not provided | Web | 2023-10-12T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2024-02-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.75141 | -0.206943 | 0.052944 | 0.199137 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30631 | null | Consent not provided | Web | 2024-02-09T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2024-02-23T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.739034 | -0.174907 | 0.052944 | 0.20569 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I recently reviewed my XXXX consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my XXXX consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living. | null | GA | 30344 | Servicemember | Consent provided | Web | 2024-02-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2016-05-05T00:00:00 | wall street mortgage bankers | 1909254D | BBG0121DHFL9 | 0.856528 | -0.19958 | 0.103097 | 0.253348 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | null | null | NY | 10989 | null | Consent not provided | Web | 2016-05-05T00:00:00 | Closed with explanation | No | No | wall street mortgage bankers | 0.914174 |
2017-08-01T00:00:00 | wall street mortgage bankers | 1909254D | BBG0121DHFL9 | 0.846856 | -0.162248 | 0.098933 | 0.26118 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | NY | 10128 | null | Consent not provided | Web | 2017-08-03T00:00:00 | Closed with explanation | Yes | null | wall street mortgage bankers | 0.914174 |
2016-01-11T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.854043 | -0.175145 | 0.319533 | 0.33281 | Debt collection | Payday loan | Communication tactics | Frequent or repeated calls | null | null | TX | 77573 | null | Consent not provided | Web | 2016-02-25T00:00:00 | Closed with explanation | No | Yes | acq holdings, llc. | 0.969394 |
2016-03-09T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.992931 | 0.32253 | 0.606544 | 0.640669 | Debt collection | Payday loan | Communication tactics | Threatened to take legal action | Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action. | Company believes it acted appropriately as authorized by contract or law | MO | 63118 | null | Consent provided | Web | 2016-04-01T00:00:00 | Closed with explanation | Yes | No | acq holdings, llc. | 0.959734 |
2016-08-11T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.983126 | -0.080152 | 0.294182 | 0.399052 | Payday loan | null | Charged fees or interest I didn't expect | null | I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me? | Company believes it acted appropriately as authorized by contract or law | MO | 634XX | Servicemember | Consent provided | Web | 2016-10-05T00:00:00 | Closed with explanation | Yes | No | acq holdings, llc. | 0.969394 |
2018-02-14T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.97905 | -0.539346 | 0.223821 | 0.221175 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | I took a small {$800.00} loan out with XXXX on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead. | Company believes it acted appropriately as authorized by contract or law | MO | 655XX | Older American, Servicemember | Consent provided | Web | 2018-03-01T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2018-05-03T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.989151 | -0.686038 | 0.109686 | 0.1376 | Payday loan, title loan, or personal loan | Installment loan | Charged fees or interest you didn't expect | null | I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.
can this be legal?? | Company believes it acted appropriately as authorized by contract or law | WI | 532XX | Older American | Consent provided | Web | 2018-05-03T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.959734 |
2018-08-22T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.982114 | -0.413961 | 0.189477 | 0.252543 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | On XX/XX/2018 I applied for a loan online and XXXX XXXX XXXX was the company that received my application. At the time I was shopping for the lowest rate. I spoke with the manager and he stated he would give me a discount and I would only pay {$64.00} of interest for the life of my loan. He did everything on the phone. I never signed a contract or received Truth in savings disclosures. Then after I paid the full balance I called to see if all was well and the representative told me I had over {$500.00} more of interest to pay. I explained to her that a manager there gave me a discount and she stated that was only if I paid the full loan off in the first draft payment. That was not disclosed to me and she said well he no longer works here. Not surprised since he was deceiving customers. I told her I need a copy of the contract and they couldn't give it to me. Then on XX/XX/2018 I receive a link to sign my contract. I never received that back in XX/XX/XXXX. I think they falsely electronically signed the contract because now I can view a contract, but on XX/XX/2018 there was no contract on file. If I already had a contract from back in XX/XX/2018 why would I have to sign a new one XX/XX/2018 via email. I think once you click that link, they can say she clicked it so she signed it. I will attach that email. I emailed them the following information so that they do not call and harass me at my job.
To XXXX XXXX XXXX : I placed a stop payments from your company on my bank account. I was informed by a representative of your bank on the interest of my loan. I was told that after I paid my loan in full, the only interest I will pay is {$64.00}. Now I have been told that this is only the case if I paid you in full on the first draft. I never received a contract in my email nor did I receive a truth in saving disclosure until I called and asked for one on XX/XX/2018. You have been paid the full {$500.00} plus interest. I have no problem paying you the additional {$10.00} dollars based on my original conversation with the representative I spoke with at your company. Do not call my place of employment harassing me. I have told you not to call my job on a recorded line and I have now documented this by email. I have reported your company to the Federal Trade Commission for misinformation. I was deceived by your representative, who now I find out doesn't even work there anymore, probably because he had deceived other consumers. Do not call me employer phone and delete it which in your files. I will not be harassed. You have been paid all the full amount I borrowed which {$500.00} and deducted a total of 4 payments of XXXX from my Chase Bank account. This totals to {$550.00}, I only borrowed {$500.00}. Based on the conversation with your representative, I only owe {$10.00} additional of interest and you may call me to receive that amount over the phone or I will pay it online. Do not call my place of employment and harass me nor call my phone. I placed a case with FTC and CFPB on your representative 's deceptive behavior. And since you have been paid the full amount I borrowed, I believe this is fair. | Company believes it acted appropriately as authorized by contract or law | TX | XXXXX | null | Consent provided | Web | 2018-08-22T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2018-11-27T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.983728 | -0.123018 | 0.175754 | 0.345488 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | null | Company believes it acted appropriately as authorized by contract or law | MO | 65584 | Servicemember | Consent not provided | Web | 2018-11-27T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2019-06-13T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.976297 | -0.095189 | 0.17223 | 0.351113 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | null | Company believes it acted appropriately as authorized by contract or law | TX | 78640 | null | Consent not provided | Web | 2019-06-13T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2019-08-12T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.978012 | -0.241985 | 0.29245 | 0.342826 | Payday loan, title loan, or personal loan | Payday loan | Can't stop withdrawals from your bank account | null | I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account.
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees.
They ignored my written request in violation of Federal and State laws. | Company disputes the facts presented in the complaint | TX | 761XX | null | Consent provided | Web | 2019-08-12T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2019-09-12T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.978097 | 0.219585 | 0.49716 | 0.564947 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices XXXX XXXX XXXX XXXX, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks.
This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party easy cash money online! amount is XXXX dollar and its not true legal amount in the state of Texas.
My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt. | Company believes it acted appropriately as authorized by contract or law | TX | 77459 | null | Consent provided | Web | 2019-09-16T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2020-01-02T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.985336 | 0.493781 | 0.451025 | 0.643381 | Debt collection | Payday loan debt | False statements or representation | Attempted to collect wrong amount | Repeated calls at work, repeated calls on personal phone. I tried to resolve situation by offering a payment plan once a month, they wouldn't do it. I revoked the ACH well before my first due date and they started to harass me and turned the debt as " defaulted '' to some XXXX XXXX XXXX XXXX XXXX XXXX whom is not licensed to practice is WI. Furthermore, this online loan agency is not licensed to give out Payday or installment loans in the state of WI, thus making this online loan that was given out illegal and void. | Company believes it acted appropriately as authorized by contract or law | WI | 54729 | null | Consent provided | Web | 2020-01-13T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2020-04-25T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.822097 | -0.386046 | 0.174324 | 0.203458 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | I started a loan agreement with Easy Cash ASAP on XX/XX/2020, for the amount of {$500.00}. The initial agreement was for 11 payments of {$130.00} for a total of just over {$1500.00}, if minimum payment was made on time as scheduled. However, it clearly states there is no early payment penalty. So, I started paying above the minimum to pay off early. My payments were as follows : XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XXXX - {$150.00} XX/XX/XXXX - {$130.00} For a total of {$710.00} Due to the Coronavirus outbreak, my job was affected and my pay was reduced significantly in the middle of XX/XX/XXXX. I informed Easy Cash of my situation and continued to make another payment before I simply could not afford another payment at that rate. I asked for a payoff amount for them while letting them know of my situation. They were not understanding or sympathetic to the situation and demanded that I pay them {$500.00} for the Principal of the payment. This would assume that I paid the {$700.00}, and none of it went towards my principal balance. I was calling to settle with them that day, and they refused to even acknowledge I paid anything to the principal. There was no working with them and since I have had a couple conversations over the phone and they have not budged. I have repeatedly told them that I would be happy to settle for if they worked with me on the number, but they were ripping me off. They are not going to work with me and have threatened through email and phone conversations to turn me over to collections unless the total amount of {$500.00} is paid immediately. At bare minimum I should owe them is {$340.00}, this would be {$20.00} for the first 3 payments, and {$40.00} for the next 2 payments counting towards my principal.
Easy Cash continues to send me text messages demanding their money, I call back and go through the same routine with them every time. I have tried reaching out to them through email, phone, and website help to resolve this issue, and nothing has been successful.
It clearly states in my contract that I can pay my loan off early with no penalty. Why would my payoff amount be the same as my original principal after I had already paid the loan off 140 %?? | null | TX | 78717 | null | Consent provided | Web | 2020-04-25T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2020-04-29T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.821013 | -0.705865 | 0.073434 | 0.062861 | Payday loan, title loan, or personal loan | Payday loan | Problem with the payoff process at the end of the loan | null | Contacted the company today on XX/XX/XXXX at XXXX central time. Spoke to a guy named XXXX that was rude and told me he was director of operations. In addition I have a payment set for Friday the XX/XX/XXXX via debit card. I called and asked if I could make my payment early today. He said I could make a payment but that the payment on the XX/XX/XXXX will still process. I stated I wanted the payment to apply today so that it would save me two days interest. He said you arent saving much and stop talking to me Like you know the laws. I know the laws and regulations and we are required to still Process a payment on the XX/XX/XXXX ( untrue ) so all I could do was keep it. This is miS handling of my account and I feel charging me fees that I shouldnt be charged for 2 days. Please help!!! My account number is XXXX | null | WI | 54935 | null | Consent provided | Web | 2020-04-29T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2020-07-14T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.824517 | 0.533357 | 0.223451 | 0.527108 | Payday loan, title loan, or personal loan | Payday loan | Charged fees or interest you didn't expect | null | I took out a payday loan in XXXX of 2016. I made months of payments. When I asked, after many, many, many payments, what my payoff amount was, I learned that not XXXX cent of the hundreds of dollars I had paid back, for a {$600.00} loan, had not been applied to the principle. Not XXXX cent! I quit paying out of frustration at getting no explanation. We are currently in litigation. I find, in court, that most of the court cases are for EasyCashASAP. So, I am not the only person. I simply would like for their practices to be investigated. Thank you. Also, I do NOT want a response from them!! Therefore I will not be passing along my loan number. Just please check them out! | null | MO | 63122 | Older American | Consent provided | Web | 2020-07-23T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2020-08-03T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.826208 | -0.307258 | 0.352808 | 0.290586 | Debt collection | Payday loan debt | False statements or representation | Told you not to respond to a lawsuit they filed against you | I was served by XXXX XXXX County back in XX/XX/XXXX, I never received anything from this company prior. I called XXXX XXXX XXXX the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted today XX/XX/XXXX by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration. | null | MO | 63031 | null | Consent provided | Web | 2020-08-03T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2021-02-05T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.984825 | 0.455278 | -0.030001 | 0.470034 | Debt collection | Payday loan debt | Communication tactics | You told them to stop contacting you, but they keep trying | Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed. | Company believes it acted appropriately as authorized by contract or law | WI | 53719 | null | Consent provided | Web | 2021-02-24T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2022-10-06T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.819488 | -0.415322 | 0.040198 | 0.148121 | Payday loan, title loan, or personal loan | Installment loan | Getting the loan | null | First of all this company will not quit harassing me for payment on loan that i never applied for in the first place, second never recieved, and third they can not provide proof of any of the above. In fact when confronted about this, they stated that they deposited the loan into XXXX XXXX XXXX. Which I'm sorry we all know that's fradualant talk in the first place weather it be on their part, or the ignoramus that took that down as being a bank and issued a loan for someone in my names fraudulently. I can assure you that no such loan for the disclosed amount was ever deposited into my account and I can and will provide proof of that. Either way they have no means of accessing my account in any way. This harassment has got to stop. | null | IN | 474XX | Servicemember | Consent provided | Web | 2022-10-06T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2023-03-16T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.810703 | -0.034051 | 0.402985 | 0.393213 | Payday loan, title loan, or personal loan | Payday loan | Struggling to pay your loan | null | null | null | SC | 29223 | null | Consent not provided | Web | 2023-03-16T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2023-05-24T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.817448 | -0.562201 | 0.387426 | 0.214224 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt is not yours | I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP | null | TX | XXXXX | null | Consent provided | Web | 2023-05-24T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2023-05-31T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.978128 | -0.664879 | 0.451951 | 0.255067 | Payday loan, title loan, or personal loan | Installment loan | Struggling to pay your loan | null | I received an email from lending tree. The email stated that I was approved for a loan for {$8000.00} the gentleman said you're approved but we need to try to raise your credit score a little bit more so we need some information that gentleman 's name was XXXX XXXX so he sent me another email to help me with my raise my credit score so I filled it out the email but not really paying attention and I send it back to him not realizing I put my bank information on that letter another gentleman called me named XXXX he told me and he also sent me an email to me I you need to remove any money having the bank move it to another account and I'm going to go ahead and help you is it okay so I did then he cost me back and he says I need you to go to XXXX I need a barcode from there and then when I realized go to XXXX I called the bank I told him look I'm not the one doing this transactions he started like going into my account doing disputes while he disputed what transactions from easy Cash ASAP and they're random they're not exact amounts that I took out loans for so then my bank account was restricted it was closed and I'm unable to open to make a calendar I called es easy cash and I told him what happened I was scammed and that they were targeted and that she's like well her name was XXXX she's like well I can help you she goes they were alone and I said no ma'am they were not alone they were dispute and she goes you have to do a chargebacks and I said I understand but I don't owe you that many I paid y'all those I paid the loan except for XXXX loan did I still owe them and I have not paid them yet because I'm trying to like figure out why she's telling me that I owed her for payments to XXXX XXXX of XXXX and XXXX the XXXX is true I'm out but that XXXX XXXX and a XXXX I don't owe them that and the bank coming that those amounts were not the amounts that were disputed by this company called lending tree they told me they were going to give me a loan and they didn't they but they did mess up my whole bank account and they messed up easy cash now the lady is calling me every single day XXXX XXXX mean that I need to pay her {$320.00} for XXXX months and then she'll figure out how much I owe her after that to settle a debt that I have with them I didn't disagree I just told her I don't feel that I owe her the money that money because the bank told me different amounts and she disagreed she said she didn't turn me into her law office I told her you know that I mean I'm trying to help settle with them but they don't she doesn't want to accept that amount that my bank told me that they did that was too that they did with the bit what they did was fraud you know the fraud the scammed that I got scammed. | Company believes the complaint is the result of a misunderstanding | TX | 78245 | null | Consent provided | Web | 2023-05-31T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2023-09-25T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.774059 | -0.114302 | 0.12167 | 0.260476 | Payday loan, title loan, personal loan, or advance loan | Payday loan | Received a loan you didn't apply for | null | null | null | WI | 53144 | null | Other | Web | 2023-09-25T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2023-12-13T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.831385 | -0.481825 | -0.455498 | -0.035313 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/2023, I called XXXX XXXX XXXX about a XXXX collection item I had wanted to set up a payment plan to satisfy fy debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | AZ | XXXXX | Servicemember | Consent provided | Web | 2023-12-13T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2024-01-15T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.801153 | 0.16093 | 0.447063 | 0.469716 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | XXXX XXXX of a law office called me from phone number XXXX XXXX XXXX on XX/XX/XXXX she told me that I owed money to easy cash asap and if I did not pay it she was going to send it to XXXX county as a lawsuit. I was planning on paying it anyway and told her I would pay it. I paid with a someone and was told I would get a receipt and it removed from my credit. I then got a phone call from XXXX telling me they had the collection and I still owed it. I said I paid it and they wanted proof I sent over the copy of the payment on my account and it now says in dispute. I call XXXX XXXX again on XX/XX/XXXX and left a message she called me back and said I would get a receipt and she would call XXXX. I have gotten nothing from her and it is still showing on my credit. Now when you call her there is no answer and her mailbox is full.
I just called the number on the charge and it is not even a company that does this. XXXX XXXX XXXXXXXX XXXX XXXX
I want my money back from XXXX XXXX or this removed from my credit. | null | TX | 76063 | null | Consent provided | Web | 2024-01-18T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2024-01-25T00:00:00 | acq holdings, llc. | 1926273D | BBG012WDGY99 | 0.823253 | -0.538242 | 0.111679 | 0.13223 | Debt collection | Payday loan debt | Written notification about debt | Didn't receive enough information to verify debt | I was contacted by XXXX XXXX on XXXX in regards to debt owed with Easy Cash approximately taken XXXX. The person that called me was XXXX XXXX at XXXX regarding making payment otherwise the case would go to court. On XXXX I requested a validation letter from her. I was emailed the information via XXXX from a XXXX XXXX XXXX on XXXX. Which when you open the XXXX it states that this has been signed. There was no information to click on if I agree or how to dispute. There are several red flags with this company website XXXX - is generic. Their letter head has an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that goes to a postal annex. XXXX XXXX voice mail does not state a company. On XXXX at XXXXXXXX XXXX XXXX I contacted Easy pay at XXXX. They said the account was transferred to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They gave me their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to them, and they are sending a validation letter via mail XXXX XXXX called again today XXXX to see how I wanted to move forward. I told her I had talked to Easycash and they referred me to XXXX, and XXXX PA. I then told her I would be working with them and to ceast and desist. But then she called me back and said she was not sure why they had sent the collection to another attorney when they are supposed to handle. She also told me to be careful. At this point I just want to know who legitimate and what information is correct. I want to validate that this is a true debt and to whom is to be paid so that this can be resolved before I get taken to court. | null | TX | 752XX | null | Consent provided | Web | 2024-01-30T00:00:00 | Closed with explanation | Yes | null | acq holdings, llc. | 0.969394 |
2016-04-27T00:00:00 | j&j financial services llc | 1939910D | BBG013J4C7Y7 | 0.85013 | -0.1565 | 0.019778 | 0.237803 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MO | 64117 | null | Consent not provided | Web | 2016-11-08T00:00:00 | Closed with non-monetary relief | No | No | j&j financial services llc | 0.978888 |
2016-02-22T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.83849 | -0.308029 | -0.066716 | 0.154581 | Credit card | null | Customer service / Customer relations | null | On XXXX/XXXX/2016 around XXXX EST I received a call from a XXXX XXXX at Deville Asset Management LTD in regards to my past due XXXX Account. I answered the call from work because we have been playing phone tag to request a call back in a hour when I punched out. XXXX XXXX than proceeded to tell me I never answer the phone, I attempted to explain to him I got in a car accident the beginning of XXXX. I was on my parents insurance and they do not wish to file a claim through insurance so my medical expenses are out of pocket. XXXX XXXX proceeded to call me a thief and began to get really hostile. I explained to him I am a single mother trying to pay off several balances, than he called me a liar!! I requested to speak to his supervisor who stated he was The Director of Collections. He told me he knows his colleague and there is no way he talked to me in that manner. He stated he would pull the call but I am not sure if that ever happened ; I explained to him I would be filing a complaint because there are ways to collect debt. I worked for XXXX XXXX XXXX for almost 5 years collecting on credit cards, single mothers, elderly, and individuals experiencing financial hardship should not be treated as criminals!! He said that was good for me!! A hour later I got a call from a supervisor and I advised her I would rather involve a third party and she got frustrated and disconnected the call.
There are still MANY PEOPLE TRYING to rebuild there lives from the past recession and the DAILY financial war we battle DAILY!!!
I communicated with XXXX XXXX in XXXX advising I would rather do a settlement option because I can not commit to an extensive payment program working as an independent contractor. I have student loan debt, liens, credit cards and much more. I am doing the best I can with an income under {$20000.00} per year!! | null | MD | 21221 | null | Consent provided | Web | 2016-03-18T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-03-08T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.989439 | 0.20285 | 0.408445 | 0.533578 | Debt collection | I do not know | Taking/threatening an illegal action | Threatened arrest/jail if do not pay | Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me. | Company can't verify or dispute the facts in the complaint | SC | 29229 | Servicemember | Consent provided | Web | 2016-03-28T00:00:00 | Closed | No | No | riverwalk financial corporation | 0.994326 |
2016-04-04T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.98807 | 0.560317 | 0.079801 | 0.542729 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan. | Company disputes the facts presented in the complaint | TN | 37217 | null | Consent provided | Web | 2016-04-06T00:00:00 | Closed with explanation | Yes | No | riverwalk financial corporation | 0.994326 |
2016-04-05T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.858925 | 0.316756 | 0.415537 | 0.530406 | Debt collection | I do not know | Communication tactics | Threatened to take legal action | I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General. | null | TX | 75087 | null | Consent provided | Web | 2016-04-05T00:00:00 | Closed with explanation | Yes | Yes | riverwalk financial corporation | 0.994499 |
2016-04-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.983977 | -0.186233 | 0.600443 | 0.466062 | Debt collection | Credit card | Taking/threatening an illegal action | Threatened to sue on too old debt | I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter. | Company believes it acted appropriately as authorized by contract or law | TN | 376XX | null | Consent provided | Web | 2016-04-13T00:00:00 | Closed with explanation | No | Yes | riverwalk financial corporation | 0.994326 |
2016-05-16T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.849932 | -0.105615 | 0.409795 | 0.384704 | Debt collection | Non-federal student loan | Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60639 | null | Consent not provided | Web | 2016-05-16T00:00:00 | Closed | No | No | riverwalk financial corporation | 0.994326 |
2016-05-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.857351 | -0.171159 | 0.369406 | 0.351866 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 33193 | null | Consent not provided | Web | 2016-05-20T00:00:00 | Closed | No | Yes | riverwalk financial corporation | 0.994499 |
2016-06-02T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.859168 | -0.178604 | -0.008451 | 0.224037 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | null | null | CA | 91701 | null | null | Postal mail | 2016-06-19T00:00:00 | Closed | No | No | riverwalk financial corporation | 0.994499 |
2016-06-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.97686 | -0.158307 | 0.11843 | 0.312327 | Other financial service | Debt settlement | Fraud or scam | null | null | Company believes the complaint is the result of a misunderstanding | MA | 01527 | null | null | Phone | 2016-08-09T00:00:00 | Closed with explanation | Yes | No | riverwalk financial corporation | 0.994326 |
2016-07-25T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.852283 | -0.001694 | 0.329625 | 0.393405 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Received bad information about my loan | I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you. | null | CO | 80138 | null | Consent provided | Web | 2016-08-24T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-08-05T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.98913 | 0.164779 | 0.267199 | 0.473702 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Trouble with how payments are handled | Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me.
I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed me. | Company believes it acted appropriately as authorized by contract or law | VA | 234XX | null | Consent provided | Web | 2016-08-09T00:00:00 | Closed with explanation | Yes | No | riverwalk financial corporation | 0.994326 |
2016-08-22T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.987651 | -0.351597 | 0.30957 | 0.315208 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Received bad information about my loan | I was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for. | Company believes it acted appropriately as authorized by contract or law | TX | 75287 | null | Consent provided | Web | 2016-08-24T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-08-23T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.849561 | -0.212223 | 0.267246 | 0.301528 | Debt collection | Federal student loan | Communication tactics | Frequent or repeated calls | null | null | VA | 22003 | null | null | Phone | 2016-08-24T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-08-29T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.987301 | -0.004377 | 0.445335 | 0.476086 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt resulted from identity theft | This debt has been being passed around to XXXX collection agency after another for over 10 years.
Can you please help? | Company disputes the facts presented in the complaint | OR | 972XX | null | Consent provided | Web | 2016-08-29T00:00:00 | Closed | No | Yes | riverwalk financial corporation | 0.994326 |
2016-08-31T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.810634 | -0.074848 | 0.115766 | 0.283851 | Other financial service | Debt settlement | Fraud or scam | null | null | null | CT | 06511 | null | null | Postal mail | 2016-10-05T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-09-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.820056 | -0.189095 | -0.13127 | 0.166564 | Other financial service | Debt settlement | Unexpected/Other fees | null | null | null | NY | 10011 | null | null | Postal mail | 2016-09-13T00:00:00 | Closed with monetary relief | No | No | riverwalk financial corporation | 0.994326 |
2016-09-10T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.99256 | -0.135646 | 0.369406 | 0.408773 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | null | Company believes it acted appropriately as authorized by contract or law | CA | 90292 | null | Consent not provided | Web | 2016-09-10T00:00:00 | Closed | No | No | riverwalk financial corporation | 0.994499 |
2016-09-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.848148 | -0.075261 | 0.445335 | 0.406074 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt resulted from identity theft | null | null | TX | 77005 | null | Consent not provided | Web | 2016-09-12T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-09-15T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.848952 | -0.017686 | 0.353668 | 0.394978 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | null | null | SC | 29730 | null | null | Referral | 2016-09-19T00:00:00 | Closed with explanation | No | No | riverwalk financial corporation | 0.994326 |
2016-09-26T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.989644 | 0.111403 | 0.226198 | 0.442415 | Debt collection | Auto | Disclosure verification of debt | Not given enough info to verify debt | Debt collector called XXXX XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX , XXXX , TX XXXX Saying i owe {$8000.00} for an auto loan. They can not provide the company or account no from the original loan. I do not have anything on my credit report regarding this loan nor have they been able to give any specific information about what type of car or anything. If they can provide me with further specific information then i could verify if i owe or not. They said the company that had the loan was bought by another company. I dont want to pay something if its not mine. Please help! I did try to use the little info they gave me to see if i could find out anything but to no avail. | Company can't verify or dispute the facts in the complaint | TN | 38016 | null | Consent provided | Web | 2016-10-27T00:00:00 | Closed with non-monetary relief | No | No | riverwalk financial corporation | 0.994326 |