|
11565510
|
2025-01-16
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2025-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-16
|
|
|
10517331
|
2024-10-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7752120
|
2023-10-24
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2023-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-24
|
| Complaint What Happened |
I reviewed the website for RateGenius to see what rates they were offering on a refinance of a car loan that has a 6.49 % rate. My credit score is well above XXXX and the rate advertised by RateGenius for a 3 year amortization loan was 4.67 %. I have taken a picture of the website which states the rates are as of XXXX XXXX, 2023 I went through an extensive process to apply for a loan based on the advertised rate and was offered a rate of 6.19 % and told the APR would be over 7.5 % when including fees. On the advertised rate there was no asterisk for any additional fees that would cause the APR to be higher than the advertised rate. I queried as to why they would not offer me the rate advertised and they had no response.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6725556
|
2023-03-22
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5614106
|
2022-05-31
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2022-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-31
|
| Complaint What Happened |
No dates needed... only you need to review these sites for blatant lies affecting peoples credit scores. The company XXXX is a " broker '' for auto loans, and states everywhere within its site that they take only soft inquires and " no credit score impacted ''. Please visit mytresl.com to review. Terms and conditions link at bottom of page is very vague, and only states they " pull credit '', but within their site ... .and every major review company 's site, they exclaim there are no hard inquiries to credit report until someone actually applies with one of the lenders you accept. The term " soft inquiry '' is used throughout. This is obviously being pushed to every site possible by the company. The other is RateGenius. I applied through XXXX expecting soft pulls on credit, per their site, and major reviewers sites, like XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. However, I have proof of hard inquiries into my report. Looking further, one of their lenders which did a hard inquiry on my report, is XXXX and can be found at XXXX XXXX XXXX Again, they state no hard inquiry ... and claim partnership with XXXX. Rate Genius is another site which exclaims they do not do hard pull inquiries, but diving further they at least state in their FAQ 's page that a hard pull is possible with just their simple application. However, their application term is vague and leads one to believe it'll be a soft pull until acceptance of a lender offer. Keep in mind, neither of these sites ask for social security numbers, which makes consumers feel like a soft pull is only possible. These sites are owned solely by a company called " The Savings Group '' after a merger in XXXX of XXXX It's apparent that these companies are lying to consumers by stating credit scores will not be impacted due to soft pulls, while they're clearly doing hard inquiries, impacting consumers credit scores. I have documentation to prove it. My credit report now shows multiple lenders/banks pulling hard inquiries for an auto refinance from both companies. This is unacceptable, and made worse by the trusted major financial review sites pushing this lie. All should be held liable ... The Savings Group for misleading with false statements, and the large financial reviewing companies for passing these lies on, without their legal teams vetting the info. The Savings Group needs to be addressed for substantially bad business practice.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5396867
|
2022-04-01
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2022-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-01
|
| Complaint What Happened |
My credit was pulled by a company called Rate Genius and a loan was attempted through a bank called XXXX XXXX XXXX. This was done on XX/XX/2022, by someone not authorized by me to do this. I have received another text today from someone named XXXX XXXX, claiming to be my loan officer. I texted back to never text me again and to never pull my credit ever. I then blocked the number and deleted my profile from XXXX XXXX. The text mentioned that XXXX XXXX was where the loan request originated. I have no knowledge of any of how any of these companies received a request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8906810
|
2024-05-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8693091
|
2024-04-04
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2024-04-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-04
|
| Consumer Consent Provided |
N/A
|
|
|
6117735
|
2022-10-22
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
The Savings Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-22
|
| Complaint What Happened |
XX/XX/XXXX RATE GENIUS XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine.
If you have any questions, please contact me at the address listed below.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
|
| Consumer Consent Provided |
Consent provided
|
|
