VEROS CREDIT, LLC.

2019-11-06

Las Vegas, NV

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 authorized this company to run my credit bureau reporting on XX/XX/2018
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-10-05

Santa Ysabel, CA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-09-23

MS

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: They dont ever put the APR on the statements so I have no ideas what rate Im paying. Also the amount that goes to the principal is never consistent.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-30

San Gabriel, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Untimely Response

2019-08-25

Ramona, CA

Getting a loan or lease

Vehicle loan or lease: Lease

Credit denial
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-15

Chula Vista, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Complaint: Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller. I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation. I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer. Seeking assistance to solve this issue and get my car back. Thank you
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-08-10

Santa Ana, CA

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: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2019-07-19

Juniper Hills, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-17

Inglewood, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: VEROS CREDIT Account number XXXX .... Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-05-16

Norwalk, CA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-05-05

Santa Ysabel, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-01-26

Canon City, CO

False statements or representation

Debt collection: Auto debt

Impersonated attorney, law enforcement, or government official
Complaint: Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-19

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-14

Fort Worth, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX Re : Veros Credit IDENTITY THEFT, XXXX AND FORGERY On XX/XX/XXXX, I entered into an agreement with XXXX XXXX to purchase a vehicle ( See finance agreement, Exhibit B ). Shortly thereafter XXXX XXXX assigned the contract to Veros Credit ( Acct No. XXXX ). The contract dated XX/XX/XXXX with a monthly payment of {$430.00}, bears my signature in specific places, however my signature has been 'clearly forged, ' on the line that states, 'Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract or enforceable. There are several places on the contract that bear the initial XXXX. These initials are 'clearly forged. The contract also states 'This contract is not valid until you and we sign it. There is no place on the contract that bears the name 'Veros Credit. I have brought this to the attention of Veros Credit who continually deny any wrong doing by their officers, owner ( s ), employee ( s ) agents, and assignees. By utilizing my name to sign a specific portion of the contract Veros Credit and its agents have indulged in forgery, fraud, deceptive trade practices and have, in fact, breached the original agreement. INSURANCE XXXX I have maintained insurance coverage on the vehicle, in accordance with the requirements subject to drivers in the State of Texas, since XX/XX/XXXX. However, on XX/XX/XXXX, I received a NOTICE OF INSURANCE PURCHASE AND PREMIUM FINANCE DISCLOSURE ( See Exhibit E ). The notice indicated a full payment of {$1600.00} was due under 'California State Law, Section 16020 of the Vehicle Code. Since I reside in Texas, did reside in Texas at the time of the vehicle purchase and have never resided in California, I immediately notified Veros credit of the error in their demand. Unfortunately, Veros Credit persisted in attempting to enforce The California Vehicle Code on a Texas resident. By failing to recognize the laws of the State of Texas and attempting to force place insurance on a pre insured vehicle Veros Credit has indulged in deceptive trade practices and insurance fraud. ILLEGAL REPOSSESSION Additionally, all of my payments have been made on time and in accordance with the terms of the contract. However, on XX/XX/XXXX, my vehicle was repossessed and I was told payments were due for XXXX, XXXX and XXXX. Please see ( Exhibit A ) as it verifies on XX/XX/XXXX a payment in the amount of {$430.00} and XX/XX/XXXX reflects a payment of {$430.00}. However, Veros Credit illegally repossessed my vehicle on the date specified above. Texas law requires a redemption period which includes notification by writing of the length of time given to redeem a repossessed vehicle, unfortunately, Veros Credit did not provide such notice. Instead I called and spoke with a representative of Veros Credit ( XXXX ) who indicated the cost to regain my vehicle is {$1700.00}. On XX/XX/XXXX, after paying {$1700.00}, I was instructed to drive to XXXX XXXX, Texas to redeem my vehicle. Upon arrival to XXXX XXXX I was forced to pay an additional {$100.00} and a document releasing Veros Credit of any and all claims, damages, debts, liabilities, accounts, actions, judgments, and attachments of every kind and nature whatsoever. DEFAMATION OF CHARACTER Subsequently, on XX/XX/XXXX at XXXX XXXX. ( nine days after paying {$1700.00} and driving to retrieve my vehicle on XX/XX/XXXX ), I received a notification from a credit monitoring service. The notification indicated the Veros Credit account was closed on XX/XX/XXXX, with {$15000.00} being due. Veros Credit ceased reporting my payments to the credit bureaus XX/XX/XXXX, which is contrary to the credit bureaus policy and standards ; also stating I am 60-90 days past due. By reporting false and erroneous information to a third party credit bureau Veros Credit has attempted to paint me in a 'bad light ' thereby defaming my character. Additionally, my credit report reflected a monthly payment amount of {$480.00} instead of the contractually agreed upon amount of {$430.00}. ( See attached credit report Exhibit F ) VEHICLE DAMAGE Upon possessing my vehicle I found extensive damage had taken place during the repossession process. After taking my vehicle to a XXXX XXXX dealer they found damage to the rear bumper cover, rear bumper panel, fasteners, front bumper cover, headlamp and parking sensors ( see Exhibit C ). The certified XXXX XXXX Dealer estimated the damage inflicted while towing is {$4400.00}. Veros credit was notified of the damage caused and has refused to be held responsible. My vehicle remains damaged. FORCED PLACED INSURANCE After my vehicle was damaged during its illegal repossession, I contacted XXXX XXXX XXXX, a company in XXXX, California whose insurance was 'force placed ' on my vehicle ( see Exhibit D, Insurance Binder Attached ). Unfortunately, XXXX XXXX sent a claim adjuster who was physically unable to bend or view the under carriage of the vehicle. The XXXX XXXX claims adjuster estimated damages to the vehicle in the amount of {$900.00}. This is a huge variance in comparison to the previous estimate given by XXXX XXXX XXXX in the amount of {$4400.00}. I was told I had to pay a deductible of {$500.00} for damages Veros Credit caused. After the discrepancy was brought to the attention of XXXX XXXX a representative indicated they'd send an adjuster to perform a more thorough review. Unfortunately, more than 45 days have passed without a claim adjusters inspection. On XXXX, a certified letter ( XXXX XXXX XXXX XXXX XXXX ) was addressed to Ceo XXXX XXXX requesting the return of the over payment demand to receive my car back. As of XX/XX/XXXXMr. XXXX has not responded to clear up this matter. On XX/XX/XXXX, XXXX ( rep ) informed me that I was about to lose my car again if I didn't make payments for XXXX and XXXX. I disputed with her. Under coercion and duress, I requested an extension because I can nott afford to give them more money nor lose my car again. I'm requesting an immediate and thorough examination/investigation into the common practices of Veros Credit as they are currently continue to demand for months that are not yet due. Respectfully XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-12-26

Arco, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: From XX/XX/2018, my account balance with Veros Credit was {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their customers, than they should not be in business. ( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-24

Long Beach, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-11-11

Sanford, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-10-21

North Hollywood, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Dealer was selling XXXX XXXX XXXX XXXX vehicle for {$10000.00} with automatic climate control, the vehicle sold to me was a XXXX XXXX XXXX XXXX with no climate control not stated on the website for {$10000.00}, when I bought the truck it did not come to my attention that the seat reclining handles were missing and the front grill was being held on by zip ties none the less being very immature and irresponsible I gave a {$2500.00} down payment to dealer, somehow the vehicle cost went up from {$10000.00} to {$11000.00}, the dealer stated to tell the financer that it was a XXXX extreme package and he sent a text message to my phone with picture to provide the financers claiming they would not permit the loan for some reason, I have attached both photos of the website cost and pictures sent from a ( XXXX ) area code that is from XXXX the sales man at auto source in banning CA. I still have the original radio and speakers that came in the vehicle, as the pictures he sent have a touch screen radio leather seats, and electric reclining seats, sun roof, chrome handles, and chrome rims as you can see in the first photo the vehicle he took the picture out of do not even have the 4x4 control over the radio as the one he sent me, nothing came with the vehicle as I stated I was young and gullible and went along to make sure I got this vehicle. I got the vehicle this year in XX/XX/XXXX because I had gotten a new better paying job and I've been paying it off every month but 3 months ago my son was born and I lost my job I cant continue to pay for this vehicle, I have had no luck finding work I called Veros credit ( The Loaning company ) and informed them on this situation I asked if they could re-finance the vehicle and they stated they do not re-finance, they offered to postpone payments for two months while I find work but it would still incur interest at about 4 $ a day and that was unreasonable given the circumstances I need a vehicle to find work in my profession but right now I cant get anything even XXXX turned down my resume because I didn't have the " proper qualifications '', I also asked if I gave the vehicle back if they could forgive the debt as I installed {$5000.00} worth of parts and accessories to the vehicle including {$2500.00} for 4 '' lift kit, {$250.00} for a 1 1/2 body lift kit, {$350.00} touch screen radio, {$200.00} back up camera, {$2000.00} for off road tires and wheels, {$200.00} for brand new leaf springs, brake disk, brake pads, and drum brakes, not to mention all the parts I've replaced including but no limited to thermostat, water pump, radiator, clutch fan, power steering pump, spark plugs, oil every 3,000 miles, oil filters, coolant, and power steering fluids. They informed me that they could only take the vehicle in and sell it at auction and I would still owe the left over the vehicle however it does not make sense to give them the truck and still owe 4-6 thousand dollars that still incur interest over time with no vehicle, they also gave me a 17 % - 24 % interest rate even though my credit was at XXXX and my ex girlfriend ( girlfriend at the time ) was at 640-680. The amount charged for this vehicle at that time was not even near the dealer ship trade in cost nor the value of this vehicle as a private party sell. this was the very first vehicle I had ever bought and it was a complete mistake I had just paid off my debt and got into this debt that now I cant afford please advise and help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-10-11

High Point, NC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Untimely Response

2018-09-11

Carol City, FL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-08-21

Long Beach, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: On XX/XX/XXXX Called XXXX asking for a defer payment for the month of XX/XX/XXXX. I explained to the customer rep XXXX. I'm unable to pay my XXXX payment due to an unexpected finance I had to invest XXXX to replace my car key. Customer rep said that was not a reason to be placed on defer payment due to not enough resources given. On XX/XX/XXXX I spoke to another customer service rep XXXX at XXXX in regards to my defer payment for the month of XXXX. I explained to him what cause me to financially not be able to pay my car note the month of XX/XX/XXXX due to me having to pay for a keyless entry key which the atenna broke inside the key panel. Without my keyless entry key I would not have been able to operate vehicle. XXXX verbally mentioned that proof needs to be given for the cost of my replaced key and fax to them. XXXX also verbally mentioned for me to be placed on a defer payment I would have to pay first before I can qualify for a defer payment a " Commitment fee '' of XXXX in order to be granted a defer payment. I have been placed on a defer payment before with Veros Credit and have not paid a " Commitment fee '' of XXXX. If I'm asking for a defer payment it's because I'm financially not able to pay my car note for the month of XX/XX/XXXX. Veros Credit is still retailaiting against me, and making a situation difficult for myself financially being a single mother. I'm also receiving numerous calls from Veros Credit every day, which is an hindrance on my work performance at work. I am not able to answer calls while I'm working due to the type of work I do. Do to previous complaints I have filed on Veros Credit ; I still have not recieved an idiomized receipt on insurance Veros Credit has added to my car payment. Veros Credit also mentioned in previous complaint I filed that the insurance that was added to my car payment is added in my contract until I pay off the car. How is it that an insurance policy added to my contract is now attached to my car payment until my loan is paid off? Veros credit mentioned that they were giving me 10 courtsey days after due date on the XXXX to give me time to pay my car payment. Veros Credit already gives a 10 day grace period which does not allow me to succeed with good credit. Veros credit still has not compromised with myself putting car payment back to the XXXX. My car payment was initially on the XXXX and Veros Credit took it upon themselves to change my due date on the XXXX. I am unable to pay my car payment on the XXXX of each month do to me having to pay rent the XXXX of the month. I have attached an old defer payment that was given from Veros Credit last year XXXX, and I was not charged a " Commitment fee '' of XXXX. I have attached proof of my receipt ; replacing my keyless entry key. I also have attached 2 days of harrassment calls from Veros Credit employees. I look forward to hearing from someone about my matter that has been on going for 3 years with the unethical values of Veros Credit. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-07-18

Ft Lauderdale, FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-07-10

Phoenix, AZ

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}. On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX and XXXX requesting validation of this account. I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. To date I have not received the payment history. It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court. Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-06

Carol City, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Ask for validate this debt, have not receive any documents thus far.
Company Response: Closed with explanation

Timely Response

2018-06-04

Long Beach, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/XXXX I spoke to a representative from Veros Credit by the name of XXXX. XXXX said that my XXXX XXXX were going to be repossessed if I did not make a payment on XX/XX/XXXX. XXXX said that my account was 29 to 60 days past due and that Veros credit did not receive any car payments for my XXXX XXXX XXXX See Attachment A of car payments ; XXXX then proceeded to say that my car payment is not XXXX, its XXXX. My car payment every month that stated on my contract is XXXX ; I added an extra XXXX dollars due to my payment being late. Veros refused to change my date for my car payment back to the XXXX and Veros made a decision to change my due date on the XXXX without my consent. I spoke to a representative from Veros and requested that a letter to be sent to me with the change in the date. The letter was not sent to me in a timely manner and I did not receive a phone call informing me about the change of my due date. When I requested to change my due date I was told by a Veros Credit Representative that If I change my due date I will have a whole month car payment due. My car was repossessed in XX/XX/XXXX and I paid the amount of XXXX to retrieve my XXXX XXXX XXXX. XXXX stated my car payment is XXXX and that Veros credit bought insurance when I did not have insurance on my vehicle. Veros Credit added Forced Payment insurance and when I added insurance to my vehicle independently and had my insurance carrier XXXX send proof of insurance to Veros Credit. I told XXXX my car was repossessed in XX/XX/XXXX and my account balance should be XXXX balance. XXXX said that Veros Credit did not add the amount of XXXX of Forced Payment insurance to my vehicle ; when car was repossessed in XX/XX/XXXX. I asked XXXX what was the balance of the Forced Payment insurance? XXXX verbally said the amount Veros Credit took out for insurance was XXXX and my balance for my forced payment insurance is XXXX. I asked XXXX I need an itemized receipt showing the payments I made for the Forced Payment insurance. I also mentioned to XXXX I have been asking multiple times I speak to A Veros Credit representative that I need to see proof of the amount owe for insurance added. I have not received any itemized documentation from Veros Credit. Veros Credit has refused to send documentation of insurance amount and my balance for paying forced payment insurance. I asked XXXX how many more payments do I have left and she said 31 payments. I asked her to send me proof and it was never sent. On XX/XX/XXXX A Veros Credit employee by the name of XXXX left a message at XXXX ( Pacific Time ) ; stating it was a time sensitive matter and I needed to return the phone call by XX/XX/XXXX. On XX/XX/XXXX I returned XXXX call at XXXX XXXX ( Pacific Time ) and she mentioned that I have a car payment of XXXX thats due immediately. See attachment A, I am current with my car payments. I asked XXXX during the phone conversation to send me an itemized receipt showing my balance of forced payment insurance. XXXX question me and asked if I had insurance in XX/XX/XXXX? I told her no. I added a new insurance policy with XXXX effective XX/XX/XXXX. I have been asking Veros Credit for two years now for an itemized receipt and Veros Credit have refused to send documentation based on this force payment insurance added to my car payment. I am not comfortable and have not been satisfied with Veros Credit unethical behavior ; verbally intimidating myself and other Veros Credit customers I have researched on XXXX and read reviews about Veros Credit unethical behavior. I would like my matter to be resolved with me receiving an itemized break down on how much the insurance policy was taken out at the time I did not have insurance as well as the reflective payments on the forced payment insurance and my current balance of this forced payment insurance. Veros Credit is licensed by the City of XXXX XXXX and their license number is XXXX.
Company Response: Closed with explanation

Timely Response