Egl US, LLC

In XX/XX/XXXX I obtained a consumer loan from BMG Money ( serviced by BMG XXXX ). The original loan amount was {$2000.00} with payments scheduled bi-weekly. On XX/XX/XXXX the loan was paid in full, and the account balance was satisfied. My loan documentation clearly reflects PAID IN FULL XX/XX/XXXX. BMG_Loan_Documents However, BMG has failed to properly update the account status with the credit reporting agencies. My credit reports continue to show an outstanding balance of approximately {$1700.00} instead of a {$0.00} balance with a paid or closed status. I disputed the inaccurate reporting with XXXX XXXX XXXX XXXX XXXX recently responded that they contacted the furnisher but declined to update the account. Despite the dispute process, BMG continues to report outdated or incomplete information. This is inaccurate and harmful because it makes it appear that I still owe money on an account that has already been fully satisfied.…

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I am filing a complaint regarding repeated and excessive phone calls from this company while attempting to collect an alleged debt. Over the past several days I have received approximately XXXX calls per day from this company. The calls are coming from multiple different phone numbers, which appears to be an attempt to bypass call blocking. I have answered several of the calls and clearly told the representatives multiple times to stop calling me and to communicate with me in writing instead. Despite these requests, the calls have continued repeatedly throughout the day. At this point I have received well over XXXX calls after telling them to stop contacting me by phone. This level of repeated calling is disruptive and appears to be harassment. Using multiple phone numbers to continue contacting me after I have requested that the calls stop is unacceptable.…

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This company advertises loans for federal employees with the option to refinance. My account says that I needed to make XXXX payments to be qualified to refinance my loan. I have made well over thirty payments and when I try to refinance, the website says they do not offer loans to federal employees. My interest rate is astronomical, seemingly has increased and the loan is predatory. I need to refinance to be able to pay it.

I disputed a loan account reported by BMG LoansAtWork ( on behalf of XXXX ) because I believe the information being reported is inaccurate and unvalidated. I submitted a written dispute requesting documentation showing how the account and balance were validated. On XX/XX/year> BMG responded by email stating they found no inaccuracies, but they did not provide any supporting documentation such as a contract, account statements, payment history, or an itemization of the balance. Despite my dispute, the tradeline remains on my credit reports unchanged. Because BMG did not provide evidence to support its conclusion, I do not believe a reasonable investigation was conducted as required under the Fair Credit Reporting Act. A generic statement that the information is accurate, without documentation, does not resolve the dispute or validity the reporting.

Please see email below which I sent to BMG on XX/XX/XXXX. " Dear BMG Money , Inc., This email is a formal demand for the resolution of an outstanding refund owed to me due to continued allotment deductions after my loan was paid in full. I initially reported this error in XX/XX/XXXX. In XXXX, I received correspondence stating that a supervisor would follow up on my case and that, once approved, my refund would be issued via ACH within 35 business days. To date, these commitments have not been met. I have not b een contacted by a supervisor, I have received no confirmation of approval, and the refund has not been issued. This matter has remained unresolved for several months. The total amount owed is over {$2800.00}. I request immediate written confirmation of the following : - The exact refund amount owed. - The current status of my request. - A specific date by which the refund will be issued. I look forward to your timely response. ''

This loan is repaid through my payroll department. XXXX payments are {$140.00} per pay period. On XX/XX/year>, my payroll department erroneously sent my entire check to XXXX ; {$140.00} plus an additional {$1900.00}. On XXXX XXXX, the representative that I spoke with acknowledged the overpayment and advised that the refund would be processed. The representative explained that the timeframe would be outside of the XXXX days that was their original policy. I understood and that. I called the company XX/XX/year>, and their automated system told me that a refund in the amount of {$1900.00} was processed. I have called every weekday since XX/XX/year> and I have not gotten any information outside of what the automated system provided. I have requested a supervisor call back on each phone call. I received a call from a supervisor, XXXX, on XX/XX/year>. She did not offer any new information, so I requested that a XXXX give me a call back. That has not happened as yet.…

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Company : BMG Loans/ BMG Money Issue Type : Debt collection / Loan servicing / Improper credit practices Complaint Narrative I am submitting this complaint regarding BMG Moneys improper handling of my loan account, including sending my account to an outside collection agency without prior notification and without providing me the opportunity to verify or dispute the accuracy of the alleged balance. I was directly affected by workforce cuts, resulting in a salary reduction of approximately {$23000.00} annually. Despite this significant financial hardship, I remained in constant communication with BMG loan representatives, advising them of my situation and making payments to the extent I was financially able. At no time did I refuse to pay or avoid my obligation. As communicated to BMG, reduced income is still income, and I acted in good faith throughout this period.…

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I am filing this complaint against BMG Money for inaccurately reporting a delinquent payment for XX/XX/year>, which has resulted in a negative mark on my credit report despite the payment being successfully withdrawn from my bank account. On XX/XX/year>, BMG Money debited {$40.00} from my checking account via debit card. My attached XXXX XXXX XXXX XXXX statement confirms that this transaction posted successfully and that sufficient funds were available in my account at the time of the payment. There was no insufficient funds notice, rejection, or failed transaction recorded by my bank. More than a month later, on XX/XX/year>, BMG Money reversed this same {$40.00} payment. I did not request this reversal, did not dispute the charge, and did not initiate any stop payment. The reversal appears to have been initiated internally by BMG Money. Only one payment was refunded, further confirming that the original debit was processed.…

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On Thursday, XX/XX/XXXX, it came to my attention that my personal loan with BMG Money was overpaid when I was reviewing my paystubs. I contacted BMG Money by both phone and email multiple times and they stated there were XXXX ( XXXX ) overpayments of my loan and that a refund check would be mailed out, but that there was no set time frame for the refund check to be sent out. I have followed up once a week for XXXX months and it is now Monday, XX/XX/XXXX. 60 days is more than a reasonable amount of time to wait. It is unacceptable to have no set time frame for the refund and there was also no documentation or proof provided that those were the only refunds necessary on my loan. I am now demanding immediate attention to this matter. Please immediately review my loan account, provide documentation that the amount of the refund ( s ) is correct, and send the refund immediately to my bank account. I submitted a complaint to the CFPB on XX/XX/XXXX.…

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I am filing this complaint due to ongoing payment mismanagement, improper collection activity, and persistent miscommunication by BMG Money. On XX/XX/year>, due to an error on my payrolls end, my entire paycheck was incorrectly applied to my BMG Money loan payment, resulting in an overpayment of approximately {$1600.00}. I immediately notified BMG Money and was advised that a reimbursement would be issued. While I waited for this reimbursementfrom XX/XX/XXXX through XX/XX/XXXX, XXXXBMG Money continued withdrawing bi-weekly loan payments from my debit card on file without issue. This confirms that my payment authorization and account information were active and functioning properly during this entire period. I ultimately received the reimbursement check on XX/XX/year>. Notably, on that same date, BMG Money also successfully withdrew another loan payment from my debit card.…

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BMG money keeps calling before XXXX despite me stating not to call during these hours. The last time they did they said " that's with coprorate we don't control that ''. This time they said " so you don't have time to speak about your account right now? '' The latest call happened at XXXX on Friday XX/XX/XXXX. They are calling 4+ times a day. They know I'm working with a debt management company but they say the calls will continue.

I am submitting this complaint regarding BMG Moneys debt collection practices, which violate the Fair Debt Collection Practices Act ( FDCPA ). On the same morning, I received repeated telephone calls from BMG Money, including calls at approximately XXXXXXXX XXXX and again at XXXXXXXX XXXX The calls were less than XXXX hour apart and constitute harassment through repeated or continuous calls in violation of 15 U.S.C. 1692d. In addition, BMG Money left a voicemail in which a representative used insulting and abusive language, including referring to me as a fool. This conduct violates 15 U.S.C. 1692d ( 2 ), which prohibits the use of obscene, profane, or abusive language in connection with the collection of a debt. These actions caused distress and demonstrate a pattern of harassing behavior. I have preserved call logs and the voicemail as evidence.

Although I now reside in XXXX, I was a XXXX resident at the time this loan was originated and the loan extended to me as a XXXX consumer. I am a government employee. I obtained a personal loan from BMG Money with an APR of 35.99 %. I borrowed {$5000.00} and have already paid approximately {$1900.00}, primarily through mandatory payroll deductions. Under XXXX law, personal loan interest rates are capped at 24 % unless a lender is properly licensed and exempt. The interest rate on this loan exceeds XXXX legal limits and appears to be usurious and predatory. The use of payroll deductions significantly limited my ability to manage my finances and created financial hardship. Much of my payments have gone toward interest rather than principal.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

This company call at least XXXX times per day. This company calls as early as XXXX am and as late as XXXX. I have asked them to limit the times they call. I have ask them not to call any more. This company said it is a robo call and will call as much as they need to till the debut is paid.i have asked them to send the bill to my mailbox instead of calling.

On XX/XX/year>, BMG Money received a payoff check from XXXX XXXX. I have made several attempts to get the company to update this loan as paid and closed. The company has refused to update the status in XXXX, XXXX, XXXX and we are now in XXXX. Also, the payoff resulted in an overpayment of {$210.00} and as of today, company has refused to provide refund. I have emailed and written. No relief as of today. The account number is # XXXX was paid in full on XX/XX/year>. I have an email dated XX/XX/year> from the company acknowledging as much but have done nothing to update my account.

To Whom It May Concern, I am writing to dispute the late installment payments reported on my credit file for the above-referenced account. These late entries occurred during a documented financial hardship that temporarily affected my ability to make payments on time. I am requesting an FCRA-compliant reinvestigation and removal of these late payment notations if they can not be fully verified for accuracy and completeness. During the period in question, I experienced a significant and unexpected hardship that directly impacted my income and financial stability. Specifically my laps in jobs at the time.

BMG Money requires installment payments listed in the loan contract to be remitted by payroll deduction. There is no other option to pay. Because of this, if any payroll amounts are processed outside of your normal payroll schedule, those funds are sent to BMG Money. An unexpected bonus of {$100.00} was processed through my payroll on XXXX XXXXXX/XX/year> and the loan payment amount of {$75.00} was sent to XXXX as they are listed to be paid first from any payroll amount and the remainder to me. XX/XX/XXXX is NOT a regular payroll date. I called a requested a refund. I was told that the process takes XXXX business days. During that timeframe, there would be a XXXX holiday date of XX/XX/XXXX placing the completion of the refund approval by XX/XX/XXXX. During this time, I called several times to check the status of the refund with at least XXXX representative stating a XXXX business day timeframe.…

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I am filing a complaint because BMG Money has failed to refund an overpayment that was taken my paycheck through a federal allotment. On XX/XX/year>, I spoke to a representative that insured me that the overpayment was processed and will take a few weeks. They acknowledged the overpayment and stated the refund would be issued. Since that date, I have contacted BMG Money multiple times. Each time, the company claims they are experiencing technical difficulties and that the refund will be processed soon. As of today, XX/XX/year>, I have still not received the refund. It has now been more than 30 days past the date they received the funds, and BMG Money has provided no confirmation, no processing timeline, and no proof that the refund is being issued. This delay is causing financial hardship because the payment was suppose to be used to pay bills I have as of right now. I am still actively paying my loan on time, so this is not a payoff issue.…

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Dear CFPB, I hope this message finds you well. I am writing to formally request a review of my account due to a recent and unexpected financial hardship. My current employer has implemented budget cuts, which have significantly impacted my income. As a result, I am struggling to keep up with my financial obligations. I recently noticed that I was charged XXXX for the same item or service, which I was unaware of at the time. This duplicate charge has further strained my finances and made it even more difficult to make timely payments. I am doing my best to stay afloat in a city where the cost of living and taxes continue to rise. Despite my efforts, I am now in a position where catching up on this account feels impossible. I respectfully request that this account be either removed or the balance reduced, as continuing to carry this debt is creating an unsustainable burden.…

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I originally took out a loan with XXXX ON XX/XX/XXXX. I last refinanced my loan on XX/XX/XXXX, XXXX number XXXX. Per the agreement between BMG and I, I am to pay {$130.00} bi-weekly, twice a month ONLY. I had to provide proof that BMG checking and routing numbers were set up on my employer 's direct deposit. Although there XXXX months out of the year I am paid XXXX times as well as a bonus XXXX a year, being that BMG is set up on my direct deposit, they're still paid {$130.00} out of each check. On XX/XX/XXXX, I was paid my regular check and XXXX bonuses ; BMG was paid out of all three payments, {$130.00} ( XXXX ) = {$390.00} in which they were to be paid {$130.00}, my second and last payment of {$130.00} for XXXX. Once the payments were posted to my BMG account, which was on XX/XX/XXXX, I called BMG and requested that my overpays be refunded, which had happened a few times before.…

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BMG Money seems like they are not applying the money to the balance correctly I have been paying on this loan through allotment bi weekly I have never missed a payment. I pay XXXX a pp and it is XXXX payments a year. I just seems to me that they are not putting the payment to the balance. I should have paid over 4,000 dollars to BMG money. My loan should be half way paid off. but it has only paid down like 1,000 dollars. I CFPB can look into these practices I would truly appreciate it.

The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 1. Inaccurate Information : My credit file contains information about debts that are inaccurate.…

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On XX/XX/XXXX, {$1400.00} from my paycheck was misapplied and applied in full to my loan instead of being split between my personal account and the loan payment. Shortly thereafter, an additional {$200.00} was also withdrawn and applied to the loan. Both transactions are documented in the screenshot provided. This error was not the fault of BMG Money, but of my payroll department. I immediately contacted BMG Money to correct the issue, and while I was informed of a policy update regarding refunds, I never received any written notification of this change. I was initially told, and have written confirmation, that the refund would be issued via direct deposit. On XX/XX/XXXX, I received an email stating my refund request had been approved ; however, I was then informed it would be sent via check instead of direct deposit. The check has not been processed or sent, and I have only been told to expect another update once it is.…

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I received a call about a debt i owe in the amount of about XXXX on XX/XX/year> @ XXXX. I verified my account and advised that I have retained a XXXX XXXX XXXX attorney. I received another call this morning at XXXX attempting to collect. I advised them again that I have retained an attorney and they should not be contacting me again the next day.

BMG LoansAtWork , LLC is reporting an account on my credit report that they no longer own. On XX/XX/year>, XXXX sent a letter stating that they sold all ownership rights to XXXX XXXX XXXX, XXXX. Despite this, XXXX continues to report the account as active/charged-off. I have sent XXXX a cease and desist letter and a demand for proof of legal authority to report this account, but they have not corrected or removed the tradeline. This reporting is inaccurate and misleading, as XXXX has no ownership or servicing rights. I am requesting immediate removal of this tradeline from my credit report.

To Whom It May Concern, I am submitting this formal complaint against BMG Money/BMG XXXX XXXX XXXX regarding deceptive, unfair, and predatory lending practices that have subjected me to escalating costs and misleading marketing. I have been repeatedly solicited with special offer refinancing products that substantially increase my loan cost, directly violating consumer protection laws. Compelling Evidence of Harmful Practices : - Recorded Phone Call Confirmation : On XX/XX/XXXX, at XXXXXXXX XXXX EST, I spoke with a BMG representative on a recorded phone line and was told explicitly that the APR rate on my loan would " never change from the initial loan taken out. '' However, subsequent refinancing offers from BMG in XXXX and XXXX demonstrate significant APR escalation, contradicting this assurance.…

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On XX/XX/XXXX, due to a payroll error, my full paycheck was applied to my loan instead of being split as intended. I immediately contacted BMG Money to request reimbursement. I was never provided written notice, emails, or calls regarding any policy change ; when I inquired, a representative stated it was an in-house policy change. It took two days to reach a supervisor, who repeated the same information. Despite taking an {$87.00} payment via my debit card, I was repeatedly harassed over a {$0.00} balance on XX/XX/XXXX. I was also told over the phone that the reimbursement period could take up to 30 days from the date I requested it ( XXXX XXXX, XXXX ), which is not documented in my loan agreement. Later, I was told that reimbursement could take up to 30 days from processing ( XXXX XXXX and XXXX XXXX for the two reimbursements ), again with no documentation. On XX/XX/XXXX, when I called for an update, I was interrupted and then hung up on while seeking clarification.…

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Dear CFPB Representative, I am submitting this formal complaint and request for investigation regarding inaccurate and unverified personal loan accounts appearing on my credit report. These accounts are listed under the names BMG LoansAtWork XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation and verification of these debts. I previously requested proof of these accounts directly from the creditors, but no documentation, signed agreements, or itemized statements were ever provided to confirm the validity or ownership of these debts. Because these companies have failed to validate the debts as required by law, the continued reporting of these accounts constitutes a violation of my consumer rights under 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681i ( a ) ( FCRA ).…

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I follow all the required steps for my refund on XXXX XXXX payment was made on this account the original payment was {$75.00} 2 payments of {$75.00} was taken out and one payment of {$750.00} All on XX/XX/year> I was informed that the refund was processed on XX/XX/year> and was supposed to be sent out now the company for the XXXX plus days has been emailed me saying that technical issue and they have to manually review and approve by then it department. But on the others had they doing business as usual. So how are the issues out loans I call them and ask for a manger to called me back I have received the same email about they system for over a month now