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8334813
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2024-02-13
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Communication tactics
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Debt collection
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|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FCC Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
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| Date Received |
2024-02-13
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
FCC Financial alleges they acquired my loan from XXXX yet has never sent any proof. They have repeatedly called my personal number sometimes 4 consecutive times. They have been in violation of the FDCPA due to their harassing nature as well as failure to provide proof.
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| Consumer Consent Provided |
Consent provided
|
|
|
9482626
|
2024-07-11
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
FCC Finance, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX I was approved for a personal loan in the amount of {$3600.00} from XXXX. My payments were set up to come out of my checking account Bi-weekly for the amount of {$56.00}. This was a smooth transaction and I had no issues with this company. For some reason unknown to me FCC Finance took over my loan from XXXX on or about XXXX XXXX. I received a Call from FCC Finance around this time to set up a payment schedule as the representative stated that he could not set up a Bi-weekly schedule. We came to an agreement of paying the amount of {$110.00} to automatically be deducted from my checking account each month on the XXXX. The first payment started XX/XX/XXXX Note that I also paid an additional {$56.00} on XX/XX/XXXX and XX/XX/XXXX. Every payment has come out of my account each month on the XXXX of the month but I am getting harassing phone calls about late fees and payments???!!! What? If anything at this point I have over paid. Why am I getting the calls every couple of weeks. I have to go through the whole story over and over and the company representatives acknowledge what I am saying, claim that they note my record and that these calls will stop but they do not stop. They call every couple of weeks and we go through this all over. Today when they called they claimed I okayed a payment setup for today XX/XX/XXXX and wanted to know if today was still a good day to make this payment. NO! I did not authorize this. I have an arrangement setup for the XXXX of every month. At this point I feel like this company is nickel -and- diming me. I am terrified at what this loan will actually end up costing me because of their incompetence at record keeping and billing. At this point I am about ready to stop the automatic withdraws to my account and send them paper checks.
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| Consumer Consent Provided |
Consent provided
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|
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3774115
|
2020-07-31
|
Problem with a credit reporting company's investigation into an existing problem
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Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
FCC Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Installment loan
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| Date Received |
2020-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Tree days ago on XX/XX/XXXX, I notice a change in my credit score. It when down about 30 points due to a new account posted with 120 days past due payment. The company is FCC Finance after I call them, I found out that FCC Finance just acquired a loan company by the name of XXXX XXXX. I did have a loan with XXXX XXXX back in XXXX. It was my understanding that my loan with XXXX XXXX was fully paid after I completed all payments. After that, I move to Florida and never hear anything from XXXX XXXX. In 6 years XXXX XXXX never showed up on my credit report or reported a collection on by behave. Now, this company FCC Finance ruined my credit for a fee that apparently I did not pay, a fee of {$180.00}. Because of this {$180.00} we are going to lose our house. You see, we are about a month away from the closing date on our mortgage they are currently building our house here in XXXX Florida, and with this late payment posted by FCC Finance, my loan officer told me we have very little change in getting the house and we will lose all the money we already paid. I begged FCC Finance to remove that late payment form my record, I explain I did not new about the {$180.00}, but they did not care they even got angry and annoyed at me. And then I ask why no one try to contact me before they posted this on my credit report. They said they try to send an email and when I ask what day they could not give a straight answer. You see there is no way I will put in jeopardy my family 's future for {$180.00} if I knew I owe this money I will have paid it 6 years ago.
I did pay the {$180.00} the same day I contacted FCC Finance despite the anger and powerlessness I felt and still feel. I am very desperate and disappointed on how this company behaved towards me and how much I will lose for a XXXX year old late fee that no one had the dignity of trying to contact me before posting this on my credit report. I am not a law expert but I am counting on you to help in any way you can. This type of behavior forms a company is not right in any way.
FCC Finance is from Texas but in the web site below they also do business in Florida and since I am a Florida resident I ask for your help.
URL : https : //www.fccfinance.com/
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| Consumer Consent Provided |
Consent provided
|
|
|
6143407
|
2022-10-30
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FCC Finance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
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| Date Received |
2022-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX, a home improvement loan was taken under my name fraudulently from a property i have never owned!!!. In XXXX XXXX FCC Finance reported a debt without even contacting me first or trying to reach out to validate this debt. I disputed with XXXX and submitted a police report, identity theft reports and etc. To this day, my credit score has been significantly lowered and in result of that i have had losses ( credit limits lowered ). FCC finance is not sending me the original contract. I hired legal services and intend to file a lawsuit to all parties involved for my damages and tarnishing my good name. FCC Finance should have not reported a fraudulent debt to XXXX. How could a loan be issued for a property i never owned? Why was this loan never reported for 7 years?????
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| Consumer Consent Provided |
Consent provided
|
|
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9849725
|
2024-08-19
|
False statements or representation
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Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FCC Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/year> I received a letter from FCC FInance threatening against me and/ or my property. I receive many calls all day and night and are charging me with incorrect amount. Also it appears in only XXXX credit bureau. Incorrect amount and multiple mistakes made
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| Consumer Consent Provided |
Consent provided
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