|
11526088
|
2025-01-13
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Loan
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11211152
|
2024-12-19
|
Received a loan you didn't apply for
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Received a loan you didn't apply for
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Title loan
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
|
|
11348694
|
2025-01-02
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information is missing that should be on the report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-02
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
|
|
5895627
|
2022-08-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2022-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4981551
|
2021-12-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2021-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SKOPOS FIN bal. {$19000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10502411
|
2024-10-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I paid my car loan off in full to XX/XX/XXXX 2024. I have paperwork proving this and it appears on all three reports. On XX/XX/year> and XX/XX/year> SpringLight Financial reported a bogus repossession on my reports with different names. I never had a auto loan nor contract with this company and want it removed immediately!
SpringLight Financial XX/XX/XXXX, TX XXXXXX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3716908
|
2020-06-25
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2931620
|
2018-06-10
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2018-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-10
|
| Complaint What Happened |
I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it
|
| Consumer Consent Provided |
Consent provided
|
|
|
3053094
|
2018-10-22
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2018-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-22
|
| Complaint What Happened |
When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal.
Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10185364
|
2024-09-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2024-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3637625
|
2020-05-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This Debt was paid by auto insurance and Gap insurance 4years ago.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5599251
|
2022-05-25
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
skopos financial has been making false report with XXXX, XXXX, and XXXX, regarding when my first late payment began. i open skopos automobile loan XX/XX/XXXX, i began having financial difficulties around XX/XX/XXXX, i have provided supporting document from skopos from XXXX thruXXXX late payment statement with past due amounts ranging from {$910.00} to {$1800.00} in late payments. credit reporting law states 7 years from the first date of being late, skopos has been reporting my account late begins XX/XX/XXXX. 4 years after the true date., there adverse actions had cost me denial of credit and higher interet rates.i have asked XXXX, XXXX and XXXX to reinvegiagte this matter. with late payment statement i have yet to recieved this account removed from my personal credit report. i submit copies to all three agencies in late XX/XX/XXXX, only thing im seeing my credit score dropping.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7228452
|
2023-07-11
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6152951
|
2022-11-01
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2022-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681.
Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.
15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5469834
|
2022-04-19
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6276061
|
2022-12-03
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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 a 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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3945243
|
2020-11-09
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2020-11-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-09
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Consumer Consent Provided |
N/A
|
|
|
2895022
|
2018-05-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-03
|
| Complaint What Happened |
1.Account was paid off by Gap insurance but company lost the necessary document
|
| Consumer Consent Provided |
Consent provided
|
|
|
3192093
|
2019-03-26
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2019-03-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-26
|
| Consumer Consent Provided |
N/A
|
|
|
4810775
|
2021-10-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4729260
|
2021-09-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6546538
|
2023-02-08
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8692137
|
2024-04-03
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-03
|
| Complaint What Happened |
l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6223468
|
2022-11-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2022-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6082297
|
2022-10-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2022-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6067084
|
2022-10-09
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4908933
|
2021-11-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3063619
|
2018-11-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3759818
|
2020-07-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Skopos Financial, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
