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Initial Complaint
09/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The company agreed to a settlement payment of $800 and pay at least $100 over the course of 6 months beginning 8/19/24 and to bring my account current once I made my first payment. I made my first payment and the company didn't bring my account current as agreed which has now negatively impacted my credit score. Today I received a call from the company stating that my account was 93 days past due and I explained to her the arrangement of the settlement that was made. She said that I had not made any payments towards the settlement which is inaccurate and said my account will be charged negatively until the arrangement is honored. Mind you these calls are recorded and I have payment statements that prove I have indeed been making payments towards the arrangement made. I'm unhappy about the company not bringing my account current and my credit being impacted due to this. I also am frustrated that the company isn't on the same accord and I have the company calling me harassing me every week about when I'm going to make my next payment when I have established that upon making my last payment. I was also pressured to make a larger payment initially by one agent, and when speaking to another agent I was told that making a larger payment was untrue
Business response
10/11/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Ms. *******' s complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Initial Complaint
09/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I disputed this account account on August 20, 2024 for this reason. ********** completed their investigation on August 28, 2024. I am requesting a description of the procedure that was determine the accuracy and completeness of the information that I disputed. According to ** ****** * ******************** you are required to complete your investigation of my dispute and provide me with the results within a reasonable period. If your investigation finds that the information is inaccurate or cannot be verified, you are obligated to correct or remove the disputed information. Here are the details of the disputed entry: Account Name/Number: U.S Auto Credit Description of Inaccuracy: I am disputing the accuracy of the account listed under with account number ********** The report incorrectly shows a balance of $941 and indicates that I have 13 late payments. Requested Action: If the information is incorrect and cannot be verified, request that it be removed from your credit report. Please find enclosed copies of any relevant documents that support my claim, including [list documents, such as account statements, correspondence, etc.]. I request that you conduct a thorough investigation of the disputed item and provide me with the results of your investigation as required by law. Additionally, please notify the relevant parties of the corrected information if my dispute is upheld. I would appreciate written confirmation that you have received this dispute and are taking action. Please send the results of your investigation to my address listed above. Thank you for your prompt attention to this matter.
Business response
09/27/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Ms. *********** complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Customer response
09/30/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: This debt was already charge off/write off profit loss and by federal laws I am suppose to receive a **** * in the mail with 5 days and I have yet to receive any. I called 2 weeks ago and talk to ******* and she was suppose to send it either by mail or email.

Regards,

******* *********

Customer response
10/08/2024
read attachment
Initial Complaint
08/27/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
ATTN: Compliance Manager ******** ********* I revoke US Auto Credit's power of attorney over this account. and request their finance licensing number & their bond number to collect the debt in Texas. I have documentary evidence that US Auto Credit misrepresentation this account as a loan when it is a Retail Installment Sells Contract, & I have never entered into any contract with US Auto Credit. Neither can they produce a wet ink signature contract from me and US Auto Credit which would obligate me to pay a debt. ******** ********* does not have knowledge of this contract and neither is authorized to deny the Cancelation of this debt & I request that this matter be escalated. Section 201.102 of the Texas Finance code: An out-of-state financial institution must file an application for registration with the secretary of state, before operating a branch or other office in this state, by complying with the law of this state relating to foreign corporations doing business in this state, notwithstanding a provision in that law that.... Section 305.001 in Texas Finance Code: Liability for Usurious Interest (a) A creditor who contracts for, charges, or receives interest that is greater than the amount authorized by this subtitle in connection with a transaction for personal, family, or household use is liable to the obligor for an amount that is equal to the greater of:... Texas Finance Code: 302.001. CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME PRICE DIFFERENTIAL; USURIOUS INTEREST. (a) A creditor may contract for, charge, and receive from an obligor interest or time price differential. (b) The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.... An installment sale cannot be used when the property or asset is sold at a loss or if the personal property or real property is sold by dealers. Installment sales cannot be used for inventory that is sold during the normal course of business. Delete from consumer report
Business response
09/06/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Ms.********* complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Customer response
09/06/2024
Request for Cancelation of Debt Due to Financial Hardship.
Customer response
09/09/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because: Request for Cancelation of Debt Due to Financial Hardship.

Regards,

********** *******

Business response
09/12/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Ms. ******* ** rejection. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Initial Complaint
07/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done. U S AUTO CR ********* These account are related to a transaction and experience that falls under the EXCLUSION section of the ****** definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the ******* ***** **********), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the ****, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!
Business response
08/05/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Ms. *********** complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Initial Complaint
06/20/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Had my 2007; ****** ******** Repossessed illegal by us Auto And have not received reasons why when I did not have any contracts with U.S Auto and would like to have my ****** ******** Giving Back
Business response
07/02/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Mr. ******** complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Initial Complaint
01/19/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: U S AUTO CR Account Number: ********** Sincerely, ******** *****
Business response
02/20/2024
Hello ********

Attached is U.S. Auto Credit’s response to the complaint. I apologize for the delay. Please let me know if you have any questions or need anything else.

Thanks,

**** ** *******

Vice President & General Counsel

Phone: (**** ********
Customer response
02/23/2024

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because:I am writing to express my grave concern regarding the disclosure of my personal details to credit bureaus, resulting in inaccuracies on my credit report. This has caused significant financial and emotional distress. As outlined in 15 USC ***1 Section 602, I assert my right to financial privacy and expect my information to be handled confidentially. Additionally, 15 USC ***1 Section 604(a)(2) underscores that a consumer reporting agency cannot share account information without my explicit consent, which I have not given. I have noticed discrepancies on my credit report attributed to U S AUTO CR, adversely impacting my financial situation. I urgently request the correction of these inaccuracies. Furthermore, I want to emphasize 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances. For your reference, my account details are as follows: Account Number: ********** I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict compliance with federal laws governing my information. Failure to address these concerns promptly may result in legal action. I appreciate your prompt attention to this matter. Sincerely, ******** *****

Regards,

******** *****

Business response
03/06/2024
Attached is the response for this complaint *********
Business response
03/06/2024
Attached is the response for this complaint ********
Initial Complaint
01/02/2024
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with US AUTO CREDIT, I do not have a contract with US AUTO CREDIT, they did not provide me with the original contract as i requested
Customer response
01/02/2024
I have no knowledge of this account and it is involved in litigation
Business response
01/18/2024
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Mr. ******** complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Customer response
01/19/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

**** ******
Initial Complaint
11/13/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had a car towed in 2019 and I was unable to retrieve the vehicle because US Auto Credit contacted the tow agency telling them not to release it to me because it was in repossession and they would send someone to Retrieve it, but I made payment arrangements with them prior to it getting towed. US Auto Credit never sent anyone to get the car even though the tow agency reached out to them several times and sent storage bills. The owner of the tow yard said he never experienced anything like this. 7 months after it was towed and I was unable to retrieve it due to US Auto Credit, the tow company sent me a bill for $3800 in storage cost along with a lean stating it was going into auction. I contacted the tow yard again and was told I still could not retrieve the car and they only sent me the letter because I was the registered owner and they were still fighting with US Auto Credit saying they were coming. Now in 2023 US Auto Credit is reporting on my credit $16000 in late fees and stating they can not locate me. All this is lies and they can not charge me for late fees on a car they put into repossession making it impossible for me to retrieve. They made this situation not me and are causing a hardship in my life due to it. I have all documents from the tow yard showing IS Auto Credit is at fault not me. There is record with the state DMV that this car was sold at action so they can not hid that all this happened.
Business response
12/20/2023
Please find attached response to complaint no. ********. Please let me know if you have any questions or concerns.
Initial Complaint
10/12/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt. I do not have a contract with U.S. Auto Credit. They did not provide me with the original contract as I requested.
Customer response
10/18/2023
See Attached
Business response
11/01/2023
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Mrs. ******* complaint. Please let me know if you have any questions or require any further information.

Sincerely,

******** *********
Compliance Manager
Initial Complaint
09/11/2023
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had a vehicle repossessed from US Auto Credit in 2018. In September 2023, they submitted 10 late payments to my account for a repossession that has been on my credit report for 5 years. I would like them to cease damaging my credit any further.
Business response
09/26/2023
Hello,

Please find attached the response to Complaint ********. Please let me know if you have any questions or need anything else. (Please see attached)

Thanks,

**** ** *******

General Counsel

Phone: ***** ********
Customer response
09/26/2023

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Complaint: ********

I am rejecting this response because:
My transunion credit report states that US Auto Credit has indeed been adding to my credit report for a repossessed car.

Regards,

****** *****

Business response
10/04/2023
To Whom it may concern,

Please find attached U.S. Auto Credit’s response to Mr. ******* rejection to Auto Credit's complaint response. Please let me know if you have any questions or require any further information.

Sincerely*********
*********
Compliance Manger

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