VEROS CREDIT, LLC.
Consumer Complaints
There are over 62 complaints on file for VEROS CREDIT, LLC.. Dated between 2019-11-07 and 2015-06-25.
Complaints Page 2
2018-06-04
South Florida, FL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: Ask for debt to be verified, not given any documentation thus far.
Company Response: Closed with explanation
2018-06-02
San Tan Valley, AZ
Incorrect information on your report
Payday loan, title loan, or personal loan: Personal line of credit
Account information incorrect
Company Response: Closed with explanation
2018-06-01
Houston, TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
Company Response: Closed with explanation
2018-05-25
San Diego, CA
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened to sue you for very old debt
Complaint: they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-05-02
San Jacinto, CA
Threatened to contact someone or share information improperly
Debt collection: Auto debt
Contacted your employer
Complaint: Veros credit collector XXXX XXXX has repeatedly contacted me at work despite being told numerous times not to. I have told them verbally and in writing to not call me at work and to not contact my employer. They have continued to do so. I had verbally told them in XX/XX/XXXX, then in writing on XX/XX/XXXX. The final and more recent time was XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-04-23
San Diego, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-04-19
Ft Lauderdale, FL
Took or threatened to take negative or legal action
Debt collection: Auto debt
Sued you without properly notifying you of lawsuit
Complaint: Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
Company Response: Closed with explanation
2018-03-15
Phoenix, AZ
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 believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-05
Fresno, CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.
Company Response: Closed with explanation
2017-12-18
Las Vegas, NV
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.
Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.
Company Response: Closed with explanation
2017-12-03
Jacksonville, FL
Getting a loan or lease
Vehicle loan or lease: Loan
High-pressure sales tactics
Complaint: I purchased a vehicle onXX/XX/XXXXXX/XX/XXXX, a XXXX XXXX XXXX Vin XXXX, from XXXX XXXX XXXX XXXX, a XXXX, Florida Buy here- Pay here dealer This vehicle was to be financed through .Veros Credit LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca. The dealer provided all the financing paperwork. This was the first time in my life I had purchased a car. I have only been in this country for a year and a half. I am from XXXX and my XXXX was not very good. The dealer just printed out the paperwork, he never advised me of any information on the financing of the vehicle. He never went over the truth in lending disclosure He never advised me of the interest rate on the loan I was just shoved all the paperwork and just sign on the signature line. I was only advised to bring the first payment to him in cash and he would then send it to the finance company. Since the purchase the vehicle has never worked and has had extensive mechanical issues. The vehicle had to be returned on two separate occasions on the date of purchase. I was provided with two different loaner vehicles during the first day of purchase. The vehicle overheated twice the first time I took delivery. Within the hour of delivery I had to return it. The engine was running hot and the motor was extremely noisy. I was provided the first loaner vehicle.The first loaner he provided had transmission issues. I was not able to go to work. After a period of several hours the dealer called me to pick up the vehicle I purchased. It was supposed to be repaired. At that point I was headed to my work and the vehicle again acted up. This time the temperature gauge was indicating the motor was getting hot and was noisy. I immediately started back to the dealer, but was unable to make it back, the car broke down within about 1.5 miles from the dealer. I had to call the dealer to pick up the car, a person working for the dealer came and drove the vehicle back, we could not exceed 15-20 miles an hour, the vehicle had to be stopped several times due to the overheating. The vehicle was blowing out white smoke ( the motor had blown a head gasket ) from the exhaust.I was told the motor need work. After reaching the dealer I was again provided another loaner, was told they would check the car out and get back to me. To this dateXX/XX/XXXX, I have called the dealer 4-5 times, each time it has been a run-around. He has gone as far as telling me that his mechanic was not working the week of XXXX. I have never been called to pick up my car. As a result of these issue I even lost my job for failure to be on time and failure to report to work. The vehicle I purchased has been at the dealer since the day I was supposed to take delivery.. I only had the vehicle for only 4 hours of use. At this point I will not be accepting or purchasing any vehicles from this dealer. The dealer has advised me I will be responsible for still paying the loan and I have no recourse. I called and notified the finance and the stated I was stuck with this car and that they were unable to do anything to help me out. They told me that if I did not make my first payment that they would repossess the car, sell it at auction and I would be responsible for the balance if any after the sale, they advised that the dealer should have gone over the financing paperwork and could not help me at all.
I feel the dealer committed fraud by not advising me the details concerning the financing and interest rate or shown me the details of the financing as well as the truth in lending and interest rate. Now he is refusing to release my deposit and that I have lost all my money. The dealer has acted in bad faith, knew of the issues ofthe car and stuck me with a bad finance company, I have field complaints with the state of Florida as well. I am hoping The CFPB can help me with the finance company since the financing of the vehicle was mis-represented to me and the finance company is refusing to help.
Company Response: Closed with explanation
2017-10-19
Baton Rouge, LA
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-10-04
Baton Rouge, LA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-22
Leggett, NC
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-15
Discovery Bay, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle.
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}.
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered.
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-19
Reno, NV
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-14
Inglewood, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Riverside, CA
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-18
Eagle Mountain, UT
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 believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-28
Foothill Ranch, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation
2017-06-03
Arco, CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-02-10
San Diego, CA
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-12-07
Norwalk, CA
Improper contact or sharing of info
Debt collection: Auto
Contacted employer after asked not to
Complaint: I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-11-29
Winton, CA
Managing the loan or lease
Consumer Loan: Vehicle loan
Complaint: I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-11-18
Oroville, CA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation