I am filing this complaint regarding an account reported by XXXX XXXX XXXX XXXX that appears on my credit report. On or about XX/XX/2026, this account was reported as a collection in the amount of approximately {$200.00}. I do not recognize this account and have no knowledge of this debt. I did not authorize or open this account. I have disputed this account and requested validation, including documentation with my signature and proof that I am legally responsible. However, I have not been provided with any valid documentation or evidence supporting this claim. This inaccurate reporting is negatively impacting my credit and my ability to secure housing for my family. I am requesting that flagship financial provide proper validation of this debt. If they can not provide sufficient proof, I am requesting immediate removal of this account from my credit report.
CFPB COMPLAINT DATABASE
FC HoldCo LLC
156 real consumer complaints filed against FC HoldCo LLC at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Repossession36
- 02Incorrect information on your report30
- 03Managing the loan or lease24
- 04Improper use of your report15
- 05Problems at the end of the loan or lease11
Top states filing
Recent complaints
The 30 most recent complaints against FC HoldCo LLC where the consumer chose to publish their narrative.
I am filing this complaint against Flagship Credit Acceptance for inaccurate credit reporting, failure to properly investigate disputes, and continued reporting of derogatory information during an active legal dispute. This account is associated with a vehicle that was totaled in XX/XX/year> due to an accident that is currently under legal dispute and litigation. Formal notice was provided to Flagship Credit Acceptance by my legal counsel, instructing them that the account was subject to dispute and that reporting activity should be handled accordingly. Despite this, Flagship has : Reported multiple late payments ( approximately 10 ) that are inaccurate and misleading Continued furnishing negative information during an active legal dispute Failed to conduct a reasonable investigation after prior disputes Engaged in continued collection activity and reporting that appears retaliatory and noncompliant This conduct raises serious concerns under : Fair Credit Reporting Act 623 ( a ) (…
They came back on some XXXX that I signed before I went to go pick up my personal items. I did not sign anything at XXXX XXXX. I signed it at the auction and when I was at the auction, I went to XXXX XXXX. I didnt initial nothing at XXXX XXXX because I refuse to because they didnt have my XXXX so how can I get all my other stuff back but my stereo equipment still is missing. I dont get this. Everything else is returned to me but my stereo equipment so you mean to tell me they get to keep my stereo equipment when I pay to pick up my car and on recording pull the recording before this was even mention about picking my stuff up. I said that I was gon na sell my stereo equipment to make my car payment pull up the recording. This is crazy. They dont want to return something that belongs to me, but everything else was returned but valuable stereo equipment. XXXX not taking a note for an answer and XXXX not gon na settle for this.…
Subject : Complaint Against Auto Lender for Misrepresentation and Unfair Loan Practices I am filing a formal complaint regarding my auto loan with XXXX XXXX XXXX. In XX/XX/XXXX, I entered into a retail installment contract for a used XXXX XXXX XXXX. The loan terms included an extremely high interest rate of approximately 25.86 %, resulting in a total repayment amount of over {$52000.00} for a vehicle that was significantly lower in value. Recently, the vehicle experienced a major mechanical failure ( engine failure ), rendering it inoperable. Despite this, I remain responsible for the full loan balance. In an effort to resolve this matter, I contacted the lender to negotiate a settlement and was offered a payoff of approximately {$1000.00} to prevent repossession and close the account. However, when I attempted to follow through on this agreement, I was later told that I owed approximately {$19000.00} instead.…
I am filing a complaint regarding my auto loan with XXXX XXXX XXXX. I have been making payments on this loan for approximately XXXX years on an original balance of about {$21000.00} at a 24.7 % interest rate. During the life of the loan, I took several payment extensions. At the time of these extensions, I was not made fully aware of how they would significantly increase the total cost of the loan. Now that the loan has reached maturity, I have been informed that I owe approximately {$11000.00}, largely consisting of accrued interest, late fees, and extension-related charges. This amount is extremely concerning, especially considering that the current market value of the vehicle is only about {$3500.00} and I have already made years of payments. I have made multiple attempts to contact the companys customer service to obtain a clear explanation of how this balance was calculated and to discuss settlement options. However, I have received inconsistent and unclear information.…
So in XX/XX/XXXX I lost my job and did not qualify for unemployment benefits. I reached out to the finance company to see if there were any options available because they had already given me a deferment earlier in XXXX after relocating fromXX/XX/XXXXback to XX/XX/XXXX They informed me that there were no options available because you're only allowed to have XXXX deferment in a year. In XXXX of XXXX I contacted them again and they told me if I can come up with XXXX payment that I could apply for a loan modification to reduce my payment monthly. That I was unsuccessful. Being stressed out from not being able to pay my rent because I didn't have a job and I was not even thinking about my car payment to be honest, I didn't make a car payment. XX/XX/XXXX of XXXX I had a missed phone call and a voicemail from someone from the finance company telling me that I had to call them back by XXXXXX/XX/XXXX. that day and I didn't get the voicemail until XXXX that evening.…
To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my credit report regarding the above-referenced account. This account is reported as a repossession with a deficiency balance of {$18000.00}. However, this reporting is factually incorrect and unverifiable under the Fair Credit Reporting Act ( FCRA ). Following the repossession in XXXX, the creditor failed to provide the mandatory Notice of Sale as required by Ohio Revised Code 1317.16 and 1317.12. Because the creditor failed to strictly adhere to state notice requirements, they are legally barred from seeking a deficiency judgment under Ohio law. Consequently, the reported balance of {$18000.00} is not a legally enforceable debt and represents a significant reporting error. I request that you immediately investigate this matter and verify the existence of the legally required pre-sale notifications.…
I contacted flagship credit in regards to a voluntary repossession on XX/XX/XXXX. I provided the address of the location of the vehicle and told them that the keys were in the console. I was advised that someone would be by to pick it up. I made several other attempts for them to pick it up once again on XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. When I contacted them on XX/XX/XXXX I advised I would not be calling again that I contacted them while my payment was current and they needed to do their part. Every time I contacted them I was advised it was processing and someone would be coming by to pick it up. As of today XX/XX/XXXX this vehicle is still be stored at my address. I was contacted multiple times to sign a form which states that I was unable to make the payment and had defaulted, which was incorrect. I will not sign something that is incorrect.…
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX : Demand for Deficiency Accounting Account No. : XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX To Whom It May Concern, This letter is a formal request for an accounting of the alleged deficiency balance claimed following the repossession and disposition of the above-referenced vehicle. Pursuant to UCC 9-210 and 9-616, I am requesting a complete and itemized accounting of the loan and the calculation used to determine the alleged deficiency. Your deficiency notice dated XX/XX/XXXX indicates that the vehicle was disposed of on XX/XX/XXXX, yet the calculation references an aggregate unpaid balance as of XX/XX/XXXX. This discrepancy raises serious questions regarding the accuracy of the balance and whether additional interest or charges were improperly included.…
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.
This account was closed by the original creditor in XXXX of XXXX via reports of XXXX XXXX I had a celebratory congratulations notice posted for paying off account. And it had to show that it was closed at that time by the creditor. However last payment received was posted in collected in XXXX of XXXX no other payments have been made since finding out that the account has been paid off however I've been berated with phone calls both from XXXX until they passed it off I'm guessing to who is now a collector name XXXX but they're going for the money for someone under the vise of XXXX XXXX XXXX. I HAVE NOT YET TO RECEIVE MY TITLE TO MY CAR HOWEVER IT SHOWS THAT IT'S BEEN CHARGED OFF AND DON'T EVEN SHOW ON MY CREDIT REPORT HOWEVER A CREDITOR IS TRYING TO GET A DEBT THAT IS NOT OWED OR DUE. I HAVE EMAILS, DATING FAR BACK AS XXXX XXXX SAYING THAT THE ACCOUNT WAS CLOSED BUT WHEN OPENING IT IT OPENS TO XXXX XXXX AND IT'S LYING REPORTING SAYING THAT IT WAS CLOSED JUST THIS XXXX OR XXXX...…
My car was repossessed due to a payment error on XX/XX/XXXX. I resolved the issue and made full payment on XX/XX/XXXX and tried to get the car back since XX/XX/XXXX. We have continued to try multiple attempts to get repossikn of the car and they have not be compliant. XXXX and the tow company has not allowed me to get the car. The toe company said me and and my family are banned from the tow lot event hough we had an appointment to come get it and I called and asked if my mom could do the pickup prior to my appointment. They advised as long as she had my photo Id and keys yes, but then when she arrived said I had to be their. Agreed that since we already had an appointment to come back before XXXX and we could get the car. Can back before XXXX and then they told us we would have to call to reschedule an appointment. Which is not what they advised us prior and then was rude ro us and when my mom asked why she lied.…
I am filing this complaint due to XXXX XXXX XXXX 's failure to honor hardship assistance promises, their deletion of communication records, and their repeated harassment of third parties. Ignored Hardship & Deleted Records : Between XX/XX/XXXX and XX/XX/XXXX, I responded to XXXX separate email invitations from XXXX offering 'special programs for financial hardship. ' I provided details regarding my unemployment and current housing instability via XXXX secure messaging portal. XXXX failed to respond to these details in writing. XXXX has since removed access to these secure messages sent by XXXX XXXX, effectively deleting the XXXX XXXX of my good-faith attempts to resolve this debt. The second email I received was from a XXXX XXXX but stated the same : XXXX XXXX XXXX has special programs to assist customers facing short term hardships or unforeseen circumstances.…
The company drove up interest. They labeled my repo as involuntary and they sold the car for a low price of XXXX when it was worth way more than that and left me with a balance thats higher than i initially financed the car for. Now i have no car and owe a company XXXX and also XXXX in interest for their failure to reposess the vehicle after i begged them and begged them to take it on many phone calls for nearly an entire year. They could have taken the vehicle and sell it for a fair price because it got a brand new engine put in it at a kia delaership in XXXX. They sold it in a different state which did not help the price it was sold for.
" This complaint involves Willful Non-Compliance ( 15 U.S.C. 1681n ) and Deceptive Trade Practices by XXXX XXXX XXXX XXXX and their counsel, XXXXXXXX XXXX XXXX. For over XXXX days, the XXXX has maintained a fraudulent judicial demand of {$43000.00} in XXXX XXXX XXXX XXXX ( Case XXXX XXXX ), despite possessing certified internal records and tax reporting that confirm the actual principal is {$36000.00}. On XX/XX/year>, XXXX XXXX XXXX. XXXX admitted in writing that the {$36000.00} figure is the actual principal, yet he continues to move the XXXX for the inflated amounta practice of XXXX XXXX designed to seek dual recovery on a zero-value asset. This intentional misalignment has proximately caused the rescission of a documented capital stack totaling {>= $1,000,000}, sabotaging the operations of a federally regulated motor XXXX ( XXXX XXXX XXXXXXXX ).…
To Whom It May Concern, I am writing to formally dispute the vehicle repossession currently being reported on my credit file. This repossession is inaccurate and appears to be associated with incorrect agreement information that does not belong to me. The account details being reported do not match any agreement I knowingly entered into. As such, I am disputing the validity of this repossession in its entirety. Under the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of this account, including but not limited to : A copy of the original signed retail installment contract or lease agreement Proof that I am legally obligated for the account being reported Documentation showing your authority to repossess the vehicle A complete payment history related to this account If you are unable to provide the requested documentation, I am demanding that this repossession be immediately removed from my credit report as it is being reported inaccurately and without proper…
My vehicle loan with XXXX XXXX XXXX was involved in a total loss auto accident. The insurance company paid the lender and GAP coverage was supposed to pay the remaining balance. The lender failed to send the required documentation to the GAP provider, which caused the balance to remain and be reported as a charge-off/repo on my credit report. I contacted the lender to correct this and was told they are investigating and will update my credit if it applies. I disputed this with XXXX, but the account was verified without correcting the error. This account should reflect a total loss with insurance and GAP coverage and should not be reported as a charge-off or past due balance. I am requesting that the company properly process the GAP documentation and correct the inaccurate credit reporting.
The vehicle was repossessed by contractors acting on behalf of XXXX XXXX XXXX XXXX. The repossession involved conduct constituting a breach of the peace, including intimidation, unsafe handling of the vehicle, and the presence of a visibly armed repossession agent. One agent appeared impaired and drove the vehicle away instead of towing it. After the repossession, when the vehicle was retrieved, it was discovered to be damaged and undriveable, despite having a recently installed motor prior to being taken. The damage occurred while the vehicle was in the custody of XXXX or its agents. Following the repossession, I submitted multiple written notices disputing the repossession and demanding that the sale of the vehicle be halted. I also submitted a written hardship and mitigation notice requesting confirmation that the sale was paused, that no additional fees would accrue, and requesting documentation regarding the condition of the vehicle.…
Beginning in or XXXX XXXX, this auto loan began reporting delinquent payment statuses, including [ XX/XX/XXXX ] -day late payments, during a period in which the vehicle was subject to a lemon law claim and was not fully operable for its intended use. During this time, the account balance increased primarily due to fees, interest, or payment application practices rather than missed contractual payments. The credit reporting for this account is internally inconsistent. Certain months are reported as delinquent while other months reflect partial payments, missing data, or unexplained balance changes. In XX/XX/XXXX, a payment of approximately {$800.00} was made ; however, the account continued to report an escalated delinquency without documentation explaining how that payment was applied or why the delinquency status increased during an unresolved lemon law process.…
I knew my interest rate would be high when I initially purchased the car. My interest rate and the complete purchase price of the car was not explained to me. I now owe {$22000.00} on a car that is worth {$9000.00}. I can not refinance the car because it is too old and the mileage is too high. I called XXXX XXXX to try and rectify the situation. They were unable to offer me any solution.
I am filing this complaint against XXXX XXXX XXXX and all consumer reporting agencies currently reporting this account for serious violations of the Fair Credit Reporting Act ( FCRA ), unlawful disclosure of my private consumer data, and inaccurate credit reporting. XXXX XXXX XXXX sold, assigned, or transferred my alleged account to a third party without my knowledge, consent, or legally required notice. At no time did I authorize XXXX to disclose my personal and financial information to any third party, nor was I provided documentation identifying a lawful assignee or purchaser of this account. This conduct constitutes an unauthorized disclosure of nonpublic personal information, a failure to maintain maximum possible accuracy, and reporting without permissible purpose, in violation of, but not limited to : 15 U.S.C. 1681b No permissible purpose to furnish or receive my consumer report 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C.…
I am submitting this complaint regarding XXXX XXXX Acceptances reporting of my auto loan account and related conduct. Despite timely payments that were accepted and processed, and after multiple disputes with the credit bureaus and directly with XXXX, my account continues to be reported as late. This inaccurate reporting is causing ongoing and measurable harm to my credit. From XXXX through XXXX, I was out of work due to the birth of my baby, creating a temporary but legitimate financial hardship. During this period, I had a deferred payment arrangement with XXXX. Despite this, XXXX threatened repossession of my vehicle, which coerced me into making an additional payment of {$540.00} to avoid losing my car. This payment was made under duress and was not legitimately owed.…
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number - XXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor. 2. The original account number and any reference number you use. 3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits. 4.…
My initial loan for the XXXX XXXX was with XXXX XXXX XXXX. I refinanced my vehicle with XXXXXXXX XXXX XXXX XXXX in XXXX. I am trying to sell my vehicle, and I am being told flagship still has a lien on my car. They never removed their lien after they were paid off. I contacted flagship and was told I must wait XXXX hours for them to submit the request and then send me the lien release when they should not have a lien on my vehicle at all.
I am writing to request assistance regarding my auto loan with XXXX XXXX XXXX. My account is currently under repossession review. I have been in regular communication with the lender and have made clear my intent to resolve the delinquency. I advised the lender that I can make a {$300.00} payment immediately, with the remaining balance to be paid the following day. Despite payment being imminent and my willingness to cure the delinquency within 24 hours, I was informed that the account may still proceed toward repossession. I have also been told that the repossession request is being held but could be released. The vehicle is required for my employment, and repossession would create unnecessary hardship when the account can be brought current immediately. I am requesting fair consideration of a short-term payment arrangement to prevent repossession and allow the account to be resolved. I am not refusing to pay and am actively attempting to make payment.…
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX XXXX XXXX ( Case # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). FRAUDULENT CREDIT INQUIRY DETAILS XXXX XX/XX/year> XXXX LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company. Further, under FCRA 605B ( 15 U.S.C.…
I am submitting this complaint as a continuation of CFPB complaint number XXXX, because Flagship Credit Acceptance continues to report inaccurate information to the credit bureaus despite having already provided records that contradict their reporting. To be clear, this complaint is not about the validity of the original contract and not about the existence of a payment ledger. The issue is that Flagship is misusing those records to furnish inaccurate credit information. Flagship has repeatedly submitted the same retail installment contract and payment ledger. Those documents confirm that the account was originally opened in XXXX with XXXX co-buyers, including my father, XXXX XXXX. There has never been any modification, assumption, novation, or re-contracting transferring sole responsibility to me.…
Went to XXXX XXXX with a pre approval from XXXX XXXX. XXXX sales person, told me that they would not honor my pre approval with XXXX XXXX and I had to use a different lender. XXXX found another approval from XXXX XXXX XXXX XXXX and the interest rate was 14 % higher. Pressured me into taking this as they refused the XXXX XXXX pre approval. Signed begrudgingly as I needed a car immediately. Looked at my interest rate from XXXX which is 26.99 % on a {$32000.00} loan. Which in turn would have me paying just over $ XXXX on vehicle. Looking at the contract, it appears that over the life of the loan, I am paying over 100 % as I am going to be paying over XXXX on a $ XXXX vehicle. Spoke to XXXX supervisors at XXXX XXXX XXXX, both confirmed on recorded lines that the loan is set up for me to pay over 100 % interest, which is considered predatory.
I am filing a complaint regarding an auto repossession account that was resolved, yet it is still reporting a deficiency balance on my credit report. The continued reporting of a deficiency balance is inaccurate and misleading. Because the account is reporting incorrect information, it should not be reported at all. I am requesting that this account be removed from my credit report entirely, as it does not accurately reflect my financial obligation and is negatively impacting my credit based on erroneous information.
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report, which I do not recognize and did not authorize. Finance Company Name : FLAGSHIP CREDIT ACCEPTANCE Date of Inquiry : XX/XX/XXXX I did not apply for credit, financing, or any service with the above-named company, nor did I provide written or verbal authorization for a hard inquiry to be made on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full investigation into this matter. If the finance company can not provide documented proof of permissible purpose, including my signed authorization, I am requesting that this inquiry be removed from my credit report immediately. Please provide written confirmation of the results of your investigation once completed. This letter is not an acknowledgment of any relationship with the above-named company. Thank you for your prompt attention to this matter.…
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