Turner Acceptance Corp

2019-04-16

Chicago, IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: To whom It may concern my name is XXXX XXXX, and I am filing this complaint against Turner Acceptance The company Turner Acceptance, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to Turner Acceptance they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and XXXX as an open account which is Illegal. I contact Turner Acceptance on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the Turner Acceptance rep. that this information is repeatedly reporting on my XXXX and XXXX personal credit file, and I have the right to request this information, then the Turner Acceptance rep hung up. I will like Turner Acceptance to stop trying to report this false information.
Company Response: Closed with explanation

Timely Response

2019-04-08

Chicago, IL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I was a joint account holder on this account.. The account was settled in court and paid by the cosigner. The company is still reporting the full balance on my credit report when this was settled in court and paid in Full. Please remove this from my credit report.
Company Response: Closed with explanation

Timely Response

2019-03-26

Chicago, IL

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: Closed with explanation

Timely Response

2019-03-26

Chicago, IL

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: Unauthorized inquiry
Company Response: Closed with explanation

Timely Response

2019-01-30

Colfax, IN

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-01-30

Kildeer, IL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2018-12-25

Chicago, IL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-24

Bronx, NY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: Hello XXXX, I received this response from the cfpb today : The attached letter was sent to the consumer. The account is now correctly reported. The company received notice that the case was dismissed on XX/XX/XXXX and was not able to update the credit bureaus immediately. As of XX/XX/XXXX they have been updated and the consumer 's account is accurately reported. THIS ACCOUNT HAS NOT BE UPDATED. I RECEIVED AN ALERT ON XX/XX/2018 SAYING IMPROVED ACCOUNT BALANCE XXXX PAYMENT STATUS REPOSSESSION. XX/XX/2018 I RECEIVED ANOTHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$4000.00} PAYMENT STATUS : COLLECTION CHARGEOFF XX/XX/2018 I RECIVED ANTOHER ALERT IMPROVED ACCOUNT ACCOUNT BLANCE XXXX PAYMENT STATUS : COLLECTION/CHARGEOFF XX/XX/2018 I RECEIVED ANTOHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$5800.00} PAYMENT STATUS REPOSSESSION. Please explain why this is continuing to happen. I DO NOT KNOW WHO IS REPORTING THIS INACCURATE INFORMATION BUT THIS HAS TO STOP AND BE UPDATED CORRECTLY. I HAVE ATTACHED ALL THE SUPPORTING DOCUMENTS TO THIS EMAIL. I should not have a chargeoff on this account being that we settled for XXXX and they would locate the other party for the additional amount owed. This was communicated clearly to Turner acceptance upon my agreement to pay as the cosigner. Payment status was to be PAID IN FULL. I have dealt with enough harassment from this company. If this is not updated accurately I will take legal action myself. All the information reporting on my credit report from this company has been inaccurate.
Company Response: Closed with explanation

Timely Response

2018-10-09

Bronx, NY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and XXXX XXXX has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-09

Bronx, NY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Company Response: Closed with explanation

Timely Response

2018-06-29

Chicago, IL

Incorrect information on your report

Payday loan, title loan, or personal loan: Installment loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-08

Chicago, IL

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: ON MONDAY XX/XX/XXXX I HAD APPLIED FOR A LOAN WITH TURNER ACCEPTANCE CORP . I WAS ADVISED THAT I WAS APPROVED FOR THE AMOUNT I HAD REQUESTED WHICH WAS XXXX. I WAS ADVISED TO BRING MY PAYSTUB MY ID AND WOULD VERIFY MY PHONE NUMBER AND AN APPOINTMENT WAS SET FOR XX/XX/XXXX @ XXXX. I HAD ADVISED THAT THE PHONE I CURRENTLY HAD WAS BROKEN BUT THE LINE IS STILL A GOOD WORKING NUMBER ( NOT DISCONNECTED ). THE REPERSENTATIVES SEEMED ANNOYED WITH THAT AND STATED THEY NEEDED TO VERIFY MY NUMBER WHICH AGAIN WAS NOT A PROBLEM, BUT I NEEDED TO GET A NEW PHONE TO PLACE MY CHIP IN IN ORDER FOR ME TO ANSWER THE PHONE. UNDER MY NAME I HAVE TWO LINES AND THEY REFUSED TO USE THE SECOND LINE THATS UNDER MY NAME TO VERIFY PHONE NUMBER SO IT DOES NOT MATTER WHAT NUMBER IS USED TO GET A HOLD OF ME SINCE BOTH ARE MINE. THE APPLICATION WAS AT THE XXXX XXXX XXXX XXXX LOCATION. SINCE I HAD TO GO ALL THE WAY TO MY HOUSE TO GET THE CHIP I HAD REQUESTED THE APPLICATION BE TRANSFERED TO XXXX XXXX XXXX XXXX SINCE MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX IL IT WOULD HAVE BEEN EASIER TO GO TO THE SOUTH LOCATION SINCE ITS CLOSER TO MY HOME. THEN I GET TO THE SOUTH LOCATION AND I WAS ADVISED MY ACCOUNT HAD BEEN FLAGGED FOR SUSPICION/ FRAUD AND THEY REFUSED TO DO THE LOAN. THEY ALSO BEGIN TO TELL ME THE REASON IT WAS TURNED DOWN DUE TO MY PAST PAYMENT HISTORY, NONE OF THIS WAS TOLD TO ME BECAUSE I WAS ALREADY ADVISED I WAS APPROVED WHEN I HAD FIRST APPLIED. THIS IS NOT HOW BUISNESS IS DONE I GAVE THEM EVERYHTING THEY NEEDED AND THEN GAVE ME FALSE INFORMATION AS TO WHY MY LOAN WAS DENIED AFTER I WAS ADVISED IT WAS APPROVED! I AM REALLY UPSET!
Company Response: Closed with non-monetary relief

Timely Response

2018-05-05

Rockford, IL

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: Closed with explanation

Timely Response

2018-02-28

IN

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 was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
Company Response: Closed with explanation

Timely Response

2018-02-22

Hillside, IL

Incorrect information on your report

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

Account information incorrect
Complaint: I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Company Response: Closed with explanation

Timely Response

2017-12-19

Chicago, IL

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Complaint: I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.
Company Response: Closed with explanation

Timely Response

2017-04-11

Kincaid, KS

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-04

Indianapolis, IN

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-16

Lafayette, IN

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Chicago, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Itasca, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: this creditor ( turner acceptance corp ) has sold my account to a third party debt collector has sold my account to XXXX for non payment and was reporting balance correctly at XXXX each month for approx 5 years in XXXX or XXXX of 2016 they changed balance to credit Bureau to XXXX without any notice to me At all which is a fcra violation, I 've called this the original creditor to fix balance but they refuse to do so they just direct me to call collection agency which they do have correct balance but they are not the once negatively reporting to score. Which is another fcra violation, XXXX has fixed this issue for me numerous times and told me the company needs to fix this or this issue will continue each and every month. I have file numerous disputes showing proof of corrected balance to credit be bureau and only XXXX corrected XXXX refused without sending me notice of why they would n't except the proof of correct balance directly from the debt collection agency XXXX, this is affecting my credit and affecting me from being able to purchase a home or to even get a new car. I am willing to pay of balance of XXXX but only if company is willing to remove From credit after receipt of payment due to all the stress and frustration they have cause it reporting this incorrect balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-11

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Dekalb, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Dekalb, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response