Security Finance Corp

I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

I am filing a complaint regarding an auto loan that I believe was improperly structured by the dealership and not adequately addressed by the lender. The vehicle was financed in my name ; however, at the time of purchase, the dealership was aware that the vehicle was intended for another individual due to their inability to qualify for financing. I did not understand that structuring the loan this way could have legal or financial implications. I did not find this out until I asked another dealership if it was normal we have received yet another set of 30 day tags and no license plate. Additionally, all communication regarding the loan, including approval details, documentation, and transaction coordination, was conducted through this other individual rather than directly with me. He was told I did not need to be present and could complete paperwork remotely.…

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I got a loan threw security finance and after making a few payments I had it down to {$860.00} left to pay then I got a text saying I might be eligible for some cash back so I called security finance and the lady said said yes your eligible for XXXXXXXX XXXX or XXXX XXXX or {$100.00} XXXX i said great i guess I will do the {$300.00} so she sent me a link to XXXX and told me just follow instructions on signing and make sure u sign everything and let me know when u are done so I sign everything and they put the {$300.00} in my account and ended the phone call well yesterday I looked and now they are saying I owe them {$1300.00}.…

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This complaint raises an entirely independent cause of action regarding repossession procedure that was not addressed in any prior complaint or response filed against Professional Financial Services of South Carolina, LLC. It should not be treated as a continuation of previously closed matters. On XX/XX/year>, I made a payment of {$1000.00} on my vehicle loan. The following day, XX/XX/year>, while getting a haircut in XXXX, North Carolina, my vehicle was XXXX without any prior notice. Upon discovering the vehicle missing I was forced to arrange emergency transportation documented by an independent third-party XXXX receipt timestamped XXXX XXXX on XX/XX/year>, placing me in XXXX NC and confirming the vehicle was already gone at that time. PFS has claimed to the CFPB that the XXXX occurred on XX/XX/year> three days after the documented actual date. This claimed date is contradicted by two independent facts.…

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I leased a car from XXXX and I missed a payment they stopped the car from running and got their car back just like I got it and theyve already collected garnishment money from my XXXX XXXX XXXX XXXX this isnt right .and they are taking money out of every check I receive from every job Ive had since then and they still trying to stay every year i still owe XXXX how? I believe they have collected way more money than they should

I was given a loan from PFS bank, for XXXX $ I had the vehicle for XXXX year and made all my payments on time, then on XX/XX/XXXX, the truck was hit in a hit in run, I reported it to my insurance, who then had me take it to get an assessment which resulted in a total loss. The vehicle however only had cosmetic damage as the truck was still structurally and mechanicaly sound. With us just having our first child and it being our only vehicle, I decided to withdraw my claim from the insurance and keep the truck and continued to make payments to the lienholder. A couple months ago by and didn't really think about it at all until in the middle of XXXX, I came home to my truck gone, my first thought it was stolen or my landlord had it towed for some reason, after making some phone calls, come to find out the lienholder came and repossessed the truck with out any for knowledge, when asked why they told me that they don't finance totaled vehicles, and even when I tried to reason with them…

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his lender furnished information to the credit bureaus that has resulted in a XXXXpoint decrease to my credit score. The information being reported does not accurately reflect the true status of my account and is misleading and incomplete. Specifically, the lender reported the account in a manner that fails to reflect my actual payment activity and added fees that do not represent the true balance history. This reporting creates a false and damaging representation of my credit profile. Under federal consumer protection requirements, furnishers are obligated to provide information that is accurate, complete, and not misleading. The information being reported by this lender fails to meet these standards. Because of this inaccurate reporting, I have suffered material harm to my credit standing.

I am filing a complaint regarding inaccurate and inconsistent credit reporting by Security Finance on my XXXX and XXXX credit reports. This account is a 9-month installment loan opened on XX/XX/XXXX with an original balance of {$540.00}. It now shows a {$0.00} balance, is closed, and is reported as paid or paying as agreed on both credit bureaus. However, both XXXX and XXXX continue to report 30-day and 60-day late payments on this same tradeline. In addition, the account is being reported inconsistently between the two credit bureaus. XXXX shows the balance updated as of XX/XX/XXXX, while XXXX shows the balance updated as of XX/XX/XXXX. Despite these different update dates, both bureaus still display the same late payment history, which raises serious concerns about the accuracy and reliability of the information being furnished. I previously disputed this account with the credit bureaus.…

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We got a loan after house fire at my mom and dad 's back in XXXX of 2024. My husban.\nD was in fact working at the time of the loan.However, in XXXX, my husband was laid off from his job.This information was told to security finance multiple times. After he got a new job back in XX/XX/XXXX. We have asked him to quit calling us during the time. He is at work that can not seem to be followed through. We have also asked for a hardship file on the loan and keep getting denied when they have not even tried to have us come in to show that we can not afford the loan anymore as my husband 's work is a what was pay than what it was at the beginning of the loan

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Professional Financial Services of South Carolina LLC is charging interest during a period the dealer has publicly described as a conditional delivery period where the transaction was not completed. PFS has represented to the CFPB that on XX/XX/year> I executed a Retail Installment Sale Contract through XXXX XXXX XXXX and that PFS was assigned the contract from the dealer, with payments due beginning XX/XX/year>. XXXX XXXX XXXX has publicly stated the purchase was conditional delivery and that lender conditions for funding included a valid South Carolina drivers license and proof of insurance, and that the transaction was completed only on XX/XX/year> when those conditions were satisfied. XXXX XXXX XXXX management also texted me on XX/XX/year> stating the bank needed additional materials to complete the deal, the transaction was not complete, and a repossession company was being contacted.…

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To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported.…

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Today at approximately XXXX XXXX MT. I called XXXX Security Finance XXXX The girl greeted and asked who she was speaking with. I stated my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She said immediately we were calling you about your payment. I am due for XXXX payment and I made arrangements with her to call back on Thursday to make payment. I then asked for a full Cease and Desist on my references as they called all of my references this morning. My complaint is that I also told her that I didnt not appreciate her committing these actions on my account with our verifying who I am on the phone. I then asked for a supervisor and asked if it was their policy to do these things on their clients accounts and not verify who theyre speaking with. The supervisor then stated Im not going to discuss our policy with you. I have received XXXX calls a day and on top of contacting my references and employer. I am also concerned that they may have released information about me.…

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This correspondence is in response to your letter denying responsibility for the undisclosed and unsafe conditions present in the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) sold in XX/XX/XXXX. While I acknowledge that the XXXX XXXX XXXX XXXX XXXX Contract was executed and that the vehicle was sold as-is, your position materially misstates Texas XXXX and mischaracterizes the conditions identified after delivery. An as-is sale does not permit the sale of an unsafe or unroadworthy vehicle, nor does it shield a dealer from liability arising from misrepresentation, omission of material facts, or violations of the Texas Deceptive Trade Practices Act ( DTPA ). Specifically : The absence of rear brake pads is not a cosmetic issue, routine maintenance item, or normal wear and tear. Brakes are a primary safety system, and a vehicle sold without functional rear braking components is unsafe and unroadworthy at the time of sale.…

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Consumer : XXXX XXXX Address : XXXX XXXX XXXX, Louisiana Company : Security Finance The above account was paid in full ( {$440.00} ) as of XX/XX/2024. Despite this, Security Finance continues to report it as a charge-off ( CO ) for multiple months from XXXX. I request immediate correction or deletion of this account across all credit bureaus.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I have a loan with this company and I called into the branch and asked could I moved my due date since it was on the XXXX of the month because I was having some difficulties and I was told as long as I paid by the end of the month I wouldn't have a late payment so I did but still got the late payment

Former Name ( s ) : Employment Information : Consumer File Notices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Address ( es ) : REQUESTING TO BE REMOVED AND PHONE NUMBERS Former Phone Number ( s ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXXclosed account XXXXXXXX XXXX XXXX XXXX XXXX XXXXclosed XXXX XXXX XXXX XXXX_closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCLOSED XXXX XXXX XXXXCLOSED XXXX XXXX XXXX _CLOSED XXXX XXXX XXXX _CLOSED XXXX XXXX XXXX _CLOSED SECURITY FINANCE _CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX…

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To Whom It May Concern, This letter serves as a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate and unverified information appearing on my credit report. I am demanding a full reinvestigation and complete deletion of the following collection account : Creditor/Collection Agency : Account Number : Reporting Inaccuracy : ( choose or include all that apply ) You are reporting information that is incomplete, inaccurate, inconsistent, and unverified. No original contract or legally required documentation exists on your end. This furnisher has failed to validate this debt under FDCPA requirements. This account appears to be re-aged, which is illegal. The furnisher has reported conflicting data across multiple bureaus. FCRA requires that any information you report must be accurate, complete, and verifiable. Automated responses, e-OSCAR results, and verified as accurate statements do NOT satisfy 611 ( b ) requirements.…

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These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

CFPB DISPUTE STATEMENT SECURITY FINANCE CORPORATION ACCOUNT Creditor : Security Finance Corporation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Credit Bureau Reporting Issue : XXXX ( and any other CRA reporting this tradeline ) I am filing this complaint because Security Finance Corporation and XXXX are reporting an account that contains multiple inaccuracies, inconsistencies, and unverifiable data, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V. The tradeline includes numerous contradictory and impossible details, including : Pay Status reported as Charge-off even though the account was closed on XX/XX/XXXX, more than XXXX years ago. Reported balance is {$480.00}, but the high balance history only shows {$370.00}, which is mathematically impossible and indicates inaccurate or manipulated data. Terms are listed as {$0.00} per month for 6 months, which is incomplete and inconsistent with standard installment loan structures.…

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Statement Regarding Harassment from Security Finance I began receiving calls from Security Finance at my place of employment on XX/XX/year>. I spoke with a representative from the company on XX/XX/year>, during which I established a payment plan and explicitly requested that they refrain from contacting me at my place of employment. Despite my request, I continued to receive numerous calls, including : XX/XX/year>, at XXXX AM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM and XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM On XX/XX/year>, I again requested that they stop contacting me at my workplace. To my dismay, the representative laughed and hung up. I then received an additional call on XX/XX/year>, at XXXX PM. Following this harassment, I sent a cease-and-desist letter explicitly stating that I should not be contacted at my place of employment, listing both my work office number and work cell number for removal from their records.…

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I had a total loss accident on my Jeep in 2023 while insured through XXXX. I paid for XXXX insurance through my auto lender XXXX XXXX XXXX XXXX ). The entire total-loss process was handled in an irregular and harmful way that resulted in a false deficiency balance and credit damage. XXXX paid approximately {$26000.00} for the vehicle, but the value was far higher due to extensive upgrades and custom work that dramatically increased the value. I repeatedly told the lender and insurance company that the XXXX was worth significantly more and that I wanted to keep it or buy it back. I was told I was not allowed to remove anything from it and was never offered a buy-back option. The timeline of events shows this was handled for their financial benefit, not mine : The XXXX was declared a total loss based on airbag XXXX and an unfinished paint repair, not a full valuation of the vehicle or documentation of upgrades. I did not authorize removal of the XXXX before all bills were paid.…

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XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XX/XX/XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

I, XXXX XXXX, am disputing the accuracy and validity of a collection account being reported by Security Finance in the amount of {$670.00} on my XXXX XXXX XXXX credit reports. Upon reviewing my reports, I discovered that this negative account is listed as closed, yet continues to reflect derogatory information. I have no record, contract, or agreement with Security Finance and have never received any notice of debt or lawful validation supporting their claim. The company has failed to provide any original documentation or signed agreement as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA 609 ( a ) ( 1 ), 611 ( b ) ( 1 ), and 623 ( b ), Security Finance and the credit bureaus are required to verify the accuracy and legitimacy of the information they report. Despite my written disputes and requests for validation, the account remains on my file without any proof of its authenticity.…

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To Whom It May Concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am hereby providing formal written notice to immediately cease and desist all further communication with me regarding the collection of the above-referenced alleged debt. This request includes, but is not limited to, all written correspondence, telephone calls to my home, work, or cell phone, and any contact with my family members, friends, or employer. This letter is not an acknowledgment that I owe this money, nor is it a waiver of any of my rights under the FDCPA or any other applicable state or federal laws. The FDCPA specifies that once you receive this written notice, you may only contact me again for the following limited purposes : To inform me that your further collection efforts are terminated. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or your company.…

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I am submitting this complaint regarding a Security Finance account that appears on my credit report. The details are as follows : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/year> Status : Charge Off I have no knowledge of this account and have never opened or authorized any credit account with Security Finance. This account appears to be inaccurate or reported in error. I request that the CFPB investigate this matter and require the furnisher to provide full validation and proof of ownership of this debt.

I have been proactive in attempting to work with my loan company to lessen the payment of my car note payments. They are currently at {$710.00} per month. I have attempted to negotiate with them in which I was told that I had the option of paying up to half of the price of the vehicle and that I would qualify for a loan modification. This loan modification would extend the life of the loan but offer relief in my monthly payments making them less. This was told to me by XXXX at PFS auto in XXXX, XXXX. I then called to follow up to see if this was still available and I was told that this option was nonexistent. Prior to this I had expressed my concerns about the cost of my monthly payment because it was too expensive. I have tried to refinance with other banks only to be denied. I am filing this complaint because I was told that I had an option and completed that option and was later told that I would not qualify and that that option was unavailable.…

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XXXX Bank for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and for ongoing harm resulting from the continued reporting of fraudulent accounts on my credit report. Despite my submission of a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and a cease-and-desist letter pursuant to 15 U.S.C. 1666b, XXXX has refused to remove the following fraudulent accounts from my credit file : XXXX Card Account Number XXXX XXXX XXXX XXXX XXXX Condition : Derogatory Status : Collection / Charge-Off Original Balance : {$14000.00} Last Payment : XX/XX/year> Remarks : Charged off as bad debt | Dispute resolved; reported by grantor. Their willful noncompliance has caused significant and ongoing harm to my credit standing, financial opportunities, and reputation., XXXX continues to publish and verify these accounts as accurate, falsely labeling my disputes as resolved. Furthermore, under 15 U.S.C.…

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Security Finance Corporation Account Number XXXXXXXX XXXX XXXX Condition : Derogatory Status : Collection / Charge-Off Original Balance : {$1200.00} Current Balance : {$1700.00} Last Payment : XX/XX/2019 Remarks : Charged off as bad debt | Dispute resolved; customer disagrees I have repeatedly notified that this accounts are the result of identity theft and have provided more than sufficient evidence under FCRA 1681c-2 ( a ), which mandates the blocking of fraudulent information within four business days of receiving proper documentation. Despite this, Security finance continues to publish and verify this account as accurate, falsely labeling my disputes as resolved. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.…

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