|
11149155
|
2024-12-13
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
7808641
|
2023-11-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7062073
|
2023-06-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-02
|
| Complaint What Happened |
I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX, XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6504252
|
2023-01-31
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2023-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-31
|
| Complaint What Happened |
I got approved for a loan with XXXX XXXX in XXXX. Then XXXX came and I was able to make a payment but not create an account. When I asked customer service they said it was a problem with my social but they would fix it. Same thing in XXXX. I cant save any payment info, and the entire process is a pain. They keep showing that I dont have a payment due, but when I log in to pay it it shows that I owe.
I tried to set up autopay but they cant seem to create my account, even after receiving my social.
I try not to lend myself to paranoid thinking, but something just doesnt add up. It seems almost intentional, theyre showing that I dont owe any payments, it seems like they want me to miss my payment. Why would a loan company want me to miss my.. Oh.
So I go to XXXX to check the other reviews. Within the last 6 months multiple people are reporting similar issues- technical account issues leading to missed payments, late fees, and repossessions.
Look. If these guys are setting people up to miss their payments just so they can charge a bunch of money, thats wrong. And hopefully illegal.
Before paying my bill today I took screenshots of the misleading information. Its misleading at best, but if you ask me, its downright malicious and intentional. And frankly I think a class action lawsuit is in order. Every late fee charged returned. Or better yet, end the corrupt company and bless the people who had to endure their evil.
Companies like this will lead to the collapse of our American financial systems unless someone comes to the aid of the American people.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8091694
|
2024-01-02
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Other debt
|
| Date Received |
2024-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-02
|
| Complaint What Happened |
During the week of XXXX XXXX, XXXX Someone by the name of XXXX XXXX at XXXX continues to call my previous employer. This behavior is continuous despite my employer notifying that I no longer work there. If its not this person its another person. They have even asked to speak to supervisors even after being told that I no longer am with the company. I was contacted by my previous employer and informed of the ongoing calls from this number.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8051792
|
2023-12-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2023-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5748002
|
2022-07-07
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-07
|
| Complaint What Happened |
Notice to agent is notice to principle - Notice to principle is Notice to Agent RE : XXXX XXXX XXXX VIN : XXXX NOTICE OF BILLING ERROR, POWER OF ATTORNEY AND ARBITRATION TERMINATED, ACCOUNT PAID IN FULL ATTENTION : ROADRUNNER FINANCIAL, CEO, XXXX, XXXX On XX/XX/XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction to purchase a XXXX XXXX XXXX and was told to put a down payment of {$17000.00}. Cash is not supposed to be involved with a consumer credit transaction ; a down payment of {$17000.00}. Federal Truth in Lending Disclosures section, a total of $ XXXXfor the finance charge. This is a Violation of 15 U.S.C. 1605, and other violations are listed below. I do not have a contract with ROADRUNNER.
XXXX XXXX XXXX
and ROADRUNNER FINANCIAL Failure to disclose, unjust enrichment, and fraud on the consumer. An intentional act of fraud. The note was created on my credit and signature, the note was not an asset of XXXX XXXX XXXX and ROADRUNNER FINANCIAL breach of contract, fiduciary duties, and failure to comply with conditions precedent in both the note and Disclosure.
Emergency Banking Act 1933 debt is the obligation of the United States XXXX XXXX XXXX and ROADRUNNER FINANCIAL are in violation of the Truth in Lending Act ( TILA ) requires full disclosures by law and ( GAAP ) Fraud. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F
925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
A Federal Reserve Bank credits the appropriate amount of interest on Book-entry Securities to a Funds Account maintained at the Bank or pays it as directed by the Participant.
Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either : ( i ) Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or ( ii ) Pays such principal and interest as directed by the Participant.
U.S. Code 1431 - Powers and duties of banks. Banks can not lend money ; they are the borrowers. 15 U.S. Code 1602 ( G ) I am the creditor and natural person extending the credit, Consumer credit transaction. 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty.16 CFR Part 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES.
XXXX XXXX XXXX and ROADRUNNER FINANCIAL Failure of consideration, Misrepresentation of a material fact, unjust enrichment, no money lends, and no consideration were given for the claimed amount of {$54000.00} or note.
15 U.S. Code 1692a Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15 USC 1692 E 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1635 - Right of rescission as to certain transactions 15 U.S. Code 1662B. Advertising of down payments and installments. Cash is not supposed to be involved with a consumer credit transaction down payment.
15 U.S. Code 1602 - Definitions and rules of construction.
XXXX XXXX XXXX and ROADRUNNER FINANCIAL have caused XXXX XXXX suffering, XXXX, and emotional distress, and damages continuing at the present time. XXXX XXXX has been XXXX. This damages my reputation intentionally, recklessly, and with malice, spite, and ill will. I would appreciate it if XXXX XXXX XXXX, ROADRUNNER FINANCIAL, and CEO to make a lump sum payment of {$35000.00} double the finance charge, send SATISFACTION AND RELEASE OF LIEN, or I will take court actions with legal fees.
I am claiming all credit due on the accounts, including off-balance sheet ledgering.
You should also be advised that I will seek the recovery of damages, costs, and reasonable legal fees for each failure to comply with the requests herein. I also reserve the right to seek statutory damages for each violation. Plus all costs of this action, all damages allowable ( including statutory, actual, compensatory, nominal, punitive, and such other relief that this court deems to be appropriate to prevent further violations.
Opportunity to cure dishonor. This will be XXXX XXXX XXXX and ROADRUNNER FINANCIAL only chance to settle this matter before XXXX XXXX files a suit against this company in Circuit court for {$54000.00} XXXX XXXX is agreeable to a lump sum payment of {$35000.00} to settle this matter. Please contact me on or before due XX/XX/XXXX for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX will file a lawsuit against XXXX XXXX XXXX and ROADRUNNER FINANCIAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violation costs ( attorneys fees for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and ROADRUNNER FINANCIAL ). If a judgment is obtained against the debtor, it will negatively affect their ability to get credit, that's he will be ordered to pay court fees and the term will occur at a rate of 10 % per annum. Based on the foregoing, I accept payment in the amount of {$17000.00} made payable to XXXX XXXX, at my address XXXX XXXX XXXX XXXXXXXX FL XXXX, and send SATISFACTION AND RELEASE OF LIEN no longer than the due date XX/XX/XXXX, I can also be reached at the email above If XXXX XXXX XXXX and ROADRUNNER FINANCIAL decide to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to the debtor. This letter serves as evidence that XXXX XXXX creditor has attempted to resolve this matter formally.
Violation of 15 U.S.C. 1605 finance charge, No notice of rescission, and Gramm Leach Violation of Truth in Lending Act and Bililey Act ( GLBA ) ( no Privacy Notice ).
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation.
NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT. AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
All prior Powers of Attorney, all other prior presumed or granted Executorships, and Agency relationships are terminated. Furthermore, Arbitration is terminated.
I look forward to your reply and a resolution to my problem and will wait until 21 days before seeking court actions, help from a consumer protection agency, attorney general, and the XXXX XXXX XXXX. Please contact me at the above address or email XXXX I consider that you will do the honorable thing in this matter.
GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4356191
|
2021-05-06
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-06
|
| Complaint What Happened |
I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12027199
|
2025-02-11
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-11
|
|
|
11342913
|
2025-01-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12556286
|
2025-03-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Roadrunner Account Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-19
|
|
