NATIONAL AUTO LENDERS, INC.

2019-06-04

Edgewood, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-01

Davenport, FL

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-04-07

Carol City, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-12-04

Lewisville, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Complaint: Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-06-03

Houston, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-03

Oxford, GA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-03-09

FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Newnan, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: NATIONAL AUTO LENDERS INC HAVE FAILED TO VERIFY THIS ACCOUNT ON XX/XX/2017. SO NOW IM ASKING FOR THE BELOW ITEMS OR THIS ACCOUNT IS FRAUDULENT PLACED IN MY NAME. I MY ALSO MAKING THIS REQUEST TO MEMBERS OF THIS FLORIDA CORP. ATT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt,
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2018-02-24

Miami, FL

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. *Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-27

South Florida, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.
Company Response: Closed with explanation

Timely Response

2018-01-23

Dallas, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Untimely Response

2017-10-02

GA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-11

Clermont, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I NEVER SOLICITATED LOANS
Company Response: Closed with explanation

Timely Response

2017-05-08

TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: I have received an extraordinary amount of phone calls fr om National Auto lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to 10 bu siness days. That was over a month ago. I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-03-10

Berkeley Lake, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-06

Berkeley Lake, GA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-31

Sebring, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-05-18

Country Lakes, FL

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-03-14

Ft Lauderdale, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. They target individuals with low credit ratings and issue high interest auto loans. I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-11

Houston, TX

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-01-19

Lakeland, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Miami, FL

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-29

FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-03

Fort Myers, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response