Veros Credit, LLC

I am disputing the reporting of this auto loan with Veros credit the original contract I signed on XXXX of XXXX was for a 57-month term with a monthly payment of {$480.00}. I have not signed or agreed to any modification of these terms the current reporting reflects terms or a balance that does not align with the original agreement. I am requesting verification of The original signed contract also a complete payment history and Documentation showing my authorization for any changes to the loan term or balance If this can not be verified, I request immediate correction or deletion under the Fair Credit Reporting Act.

XXXX XXXX Veros Credit XXXX XXXX and Misrepresentation I am filing a complaint regarding my auto loan account with Veros Credit. On XX/XX/year>, I received a settlement offer and accepted it the same day by signing and returning the agreement. I was actively communicating with their representative and was explicitly told in writing that the offer and payment deadline were valid through XX/XX/year>. I relied on this representation and timeline in good faith. At no point was I informed that my vehicle could still be repossessed prior to that deadline. Despite this, my vehicle was repossessed at approximately XXXX AM on XX/XX/year>, just hours after I accepted and returned the agreement. This action directly contradicts the timeline provided by Veros Credit and was done without warning while I was actively working to resolve the account under the agreed terms.…

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Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Veros Credit regarding their handling of my account and their conduct during recent communications. I have made multiple attempts to work with Veros Credit in good faith to establish a payment arrangement due to financial hardship. Despite my efforts, they have refused to offer any reasonable options. I also inquired about voluntarily surrendering the vehicle to avoid further financial strain, but this option was not meaningfully addressed or facilitated. In addition to the lack of cooperation, I have experienced unprofessional and concerning behavior from their representatives. I received rude and dismissive responses when attempting to discuss my situation. More troubling, Veros Credit has made repeated and disruptive phone calls to my place of employment, which has caused unnecessary stress and embarrassment.…

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I am filing a complaint against Veros Credit regarding the handling of my repossessed vehicle after I have already paid the required balance to redeem it. My vehicle was repossessed, and I was informed that I could recover it by paying the past-due balance along with applicable fees. I made the required payment in full in order to exercise my right of redemption. However, despite my payment, I am now being told that due to company policy, my vehicle must first be transported from the repossession lot to an auction facility before I am allowed to retrieve it. I have not been given a clear timeline, exact location, or confirmed release date. I am also concerned about the possibility of additional fees being added during this delay. Under Texas law, I understand that I have the right to redeem my vehicle at any time before it is sold.…

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XX/XX/XXXX } I am filing this complaint regarding my auto loan with Veros Credit. I purchased a vehicle through XXXX XXXX XXXX in XXXX and have been making my required payments on time. Recently I was contacted by XXXX XXXX XXXX ) from XXXX XXXXXX/XX/XXXXand was informed that Veros Credit pulled the financing deal on my loan because they claimed they had not received any payments from me. This statement is inaccurate and extremely concerning. Veros Credit themselves sent me my payment history, which clearly shows that my account is current and that my payments have been received. Despite having documentation showing that I am up to date on my payments, my vehicle is now being repossessed. I contacted XXXX XXXX XXXX and they told me to contact Veros Credit. When I contacted Veros Credit, they stated there was nothing they could do. I am now being pushed back and forth between the dealership and the lender with no resolution.…

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My name is XXXX XXXX from XXXX XXXX XXXX ; I hade a car XXXX XXXX XXXX XXXX the owner take to my shop for a repair with he insurance, but I have a problem with the VEROS COMPANY them not wanted send the check for the repair Then this case VEROS CREDIT pickup the car from my business shop with nothing payment

I dispute Veros Credit XXXX XX/XX/XXXX response in its entirety. The response contains false statements contradicted by a denial letter XXXX mailed me XXXX hours later on XX/XX/XXXX. XXXX critical developments since the original complaint : XXXX, Veros admitted in writing that it uses automatic telephone dialing systems. The denial letter states I " consented to the use of automatic telephone dialing systems in the transactional documents. '' This confirms XXXX use - Veros XXXX only defense is contractual consent, which may be void because the underlying contract is void under California XXXX Code XXXX ( XXXX undisclosed GPS devices, one disclosed ). Second, Veros has never explained the 176.4 % payment extraction - {$44000.00} paid on a {$24000.00} vehicle with principal barely decreasing. XXXX separate opportunities to respond ( XXXX CFPB responses, XXXX denial letter ). Only answer : " incorporates prior responses. '' No line-by-line accounting. No explanation.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> SUBJECT : DISPUTE AND REQUEST FOR VALIDATION OF TRANSFERRED AUTO LOAN ACCOUNT ACCT XXXX XXXXXXXX TO WHOM IT MAY CONCERN I AM WRITINGTO FORMALLY DISPUTE THE VALIDITY AND ACCURACY OF AN AUTO LOAN ACCOUNT THAT WAS TRANSFERRED TO YOUR INSTIUTION. I WAS NOTIFIED THAT THIS LOAN WAS TRANSFERRED FROM THE ORIGINAL LENDER TO YOUR INSTITUTION HOW EVER I HAVE NOT RECEIVED SUFFICENT DOCUMENTATION VERIFYING THE LEGITIMACY OF THIS TRANSFER OR CONFIRMING THE DETAILS OF THE ACCOUNT UNDER MY RIGHTS PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) AND OTHER APPLICABLE CONSUMER PROTECTION LAWS IM REQUESTING THE FOLLOWING 1, WRITTEN VERIFICATION THAT YOUR INSTITUTION IS THE LAWFUL OWNER OR SERVICER OF THIS LOAN 2.DOCUMENTATION SHOWING THE TRANSFER OR ASSIGNMENT OF THE LOAN FROM THE ORIGINAL LENDER TO YOUR INSTITUTION.…

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I dispute Veros Credit 's XX/XX/year> response in its entirety. The response contains XXXX materially false statements : ( XXXX ) characterizing evidence as " single picture of XXXX device '' when the photo shows XXXX and a Notarized Affidavit documents XXXX ; ( XXXX ) claiming " no information devices accessible by Company '' when portal.passtimegps.com/veroscredit is a live Veros-branded GPS XXXX XXXX XXXX ; ( XXXX ) claiming " do not use remote starter interrupter '' when the XXXX installed devices are XXXX XXXXXXXX units with starter-interrupt as the core product feature ; and ( XXXX ) stating I " acknowledged electronic tracking device '' which confirms the violation, not a defense, because I acknowledged XXXX and XXXX were installed. A denial letter Veros mailed me dated XX/XX/XXXX just XXXX hours after the CFPB response directly contradicts these statements.…

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On XX/XX/year>, I made my scheduled payment to Veros Credit. I was not in default and had never been more than 29 days late on any payment. The week of the repossession, on Tuesday, I personally contacted the dealership salesman, XXXX XXXX, and provided him with documentation of my payment arrangement with the bank. On XX/XX/XXXX, after making my payment early, I sent XXXX a screenshot of the payment receipt before XXXX XXXX proof of payment was in his hands before the business day even began. Despite this, later that same day, XXXX XXXX XXXX in XXXX, SC took possession of my vehicle. I was invited to the dealership to try to work the issue out by having my wife apply for a loan in my place, which I did not understand. When I presented my XXXX XXXX XXXX filing, the dealer 's representative acknowledged it and stated, XXXXWe can get lawyers. ' They took the vehicle anyway, stating that I was not getting my property and then threatened to call the police.…

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I want to file complaint about Vero credit. They keep putting XXXX cars under XXXX while its falsein formation. I disputed the XXXX accounts with the bureau of credit with prooves and won the dispute everytime. I never missed a payment and cars never been XXXX but XXXX by defaulted seized the cars for investigation Im not involved in then released them to Vero credit. While the cars were with XXXX I still made my payments. I kept communicating with Vero credit to help me getting the cars back from XXXX and when XXXX released cars to them they refused to give it back to me even though I didnt make any defaults on the loan and forced me to sale the car while it was in their possession. I lost so much money because they only gave me XXXX days to find a buyer after all when the cars was sold and loan was closed they ruined my XXXX XXXX by claiming that the cars was XXXX. I need help to stop them reporting this in my credit report its affecting my life and ruining my XXXX XXXX.…

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I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

15 U.S. Code 1681i - Failure to Conduct a Reasonable Investigation I was in the XXXX data breach per 15 U.S. Code 1681i - Failure to Conduct a Reasonable Investigation. I'm submitting this to update my identity information after the XXXX data breach and to request removal of any unauthorized or unverifiable accounts and hard inquiries. " I recently learned about the XXXX data breach and under the FCRA, I'm requesting to verify and remove all accounts and inquiries that can not be confirmed directly by the furnisher. ''

PRIORITY INVESTIGATION : DOCUMENTED DISCLOSURE FRAUD, UNLAWFUL SURVEILLANCE, AND RESIDENTIAL TRESPASS. FORMAL FOLLOW-UP TO COMPLAINT ID : XXXX & XXXX. This complaint documents a pattern of wrongful repossession, material disclosure fraud, and unlawful residential surveillance by Veros Credit LLC involving a XXXX XXXX XXXX XXXX ( VIN : XXXX ). In their response dated XX/XX/XXXX, the Company intentionally ignored forensic hardware evidence to obscure a predatory servicing scheme. I. Material Disclosure Fraud ( CA Civ. Code 2982 & TX Fin. Code 348.013 ) Forensic discovery ( Exhibit J ) confirms six ( 6 ) active surveillance units are installed. The Retail Installment Sales Contract ( RISC ) signed XX/XX/XXXX ( Exhibit A ) discloses only one ( 1 ). This includes an undisclosed PassTime XXXX ( FCC ID : XXXX ) with remote-immobilization ( " Kill-Switch '' ) technology. Under California Civ.…

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THIS IS A FORMAL FOLLOW-UP AND EVIDENCE SUBMISSION FOR COMPLAINT ID : XXXX. New forensic hardware and securities fraud data have been discovered. To : Consumer Financial Protection Bureau ( CFPB ) This is a formal rebuttal to the bad-faith response provided by Veros Credit LLC regarding Complaint ID : XXXX, concerning a XXXX XXXX XXXX XXXX ( XXXX : XXXX Loan : XXXX. The Companys response is a strategic attempt to minimize a documented pattern of fraud by focusing on payment timing. My forensic audit proves that Veros Credit is utilizing undisclosed surveillance and " Remote-Kill '' technology to operate an unconscionable debt trap that violates federal, XXXX, and XXXX law . XXXX. The " 211.9 % Extraction '' and Abusive Servicing ( Violation of 12 U.S.C. 5531 ) Veros Credits " late payment '' defense is a mathematical smokescreen.…

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XXXX XXXX WAS BOUGHT BY VEROS CREDIT. Prior to that i used to work for XXXX XXXX XXXX was my manager at XXXX and she had issues with me. she repo my car before even after i made the payment and she pretended that didn't know that i made the payment she didn't stop from repo my car. today i made a call to make my car payment with my XXXX account. a rep that works under XXXX XXXX didn't want to take my payment. i called again and another rep from Veros nicely took my payment and told me that my car was under review for repo. i believe that XXXX XXXX is retaliating for previous issues when she used to be my manager

Re : Request for Account Information Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

I am filing this complaint against Veros Credit , LLC, for continued inaccurate and misleading reporting of a closed auto loan that has been paid and carries a XXXX balance. Despite the obligation being satisfied and closed, the account continues to appear in a manner that adversely affects my credit profile. Any remaining derogatory or misleading reporting o n a discharged obligation lacks a lawful commercial basis. Under * * UCC 3-602 * *, payment discharges the obligation. Additionally, * * UCC 1-201 ( b ) ( 20 ) * * and * * 1-304 * * require honesty and observance of rea sonable commercial standards of fair dealing. Continued adverse reporting after discharge violates these standards. Under * * FCRA 611 and 623 * *, Veros Credit , LLC is required to report information that is accurate, complete, and verifiable. Failure to correct or delete misleading data constitutes noncompliance.…

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I am filing a complaint regarding an auto loan originated through Veros Credit that was approved and booked based on dealer misrepresentation. The dealership stated to the lender that it was buying my vehicle, which was a required condition for loan approval. That transaction never occurred. I still have possession of my original vehicle. Despite this, the loan was booked, I paid a {$3000.00} down payment, and I have made two loan payments. I was not provided copies of all documents I signed at delivery. I contacted Veros Credit multiple times to dispute the loan due to this misrepresentation and request review. I was disconnected during calls and ultimately told there was nothing they can do. My request for formal review, dispute processing, and credit protection was refused.…

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I recently purchased a vehicle on XXXX from XXXX XXXX XXXX in XXXX XXXX. The sales representative who sold me the vehicle is XXXX, and the manager is XXXX. I paid a {$3000.00} cash down payment to the dealership for a vehicle they claimed was financed. The finance company later confirmed that the loan was never approved or funded. Shortly after purchase, I discovered that the vehicle has serious transmission problems. I brought the vehicle to the dealership, and they sent me to a transmission technician. The technician confirmed that there is a problem with the vehicle, called the dealership, and then informed me that the dealership instructed him not to repair the vehicle. Despite the vehicle being under the dealerships 3-month/3,000-mile warranty, they have refused to address the issue, claiming it is not covered because the check engine light is not on. Due to the unresolved mechanical defects, I returned the vehicle.…

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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.

After 9 months of purchasing my car I noticed a random XXXX $ charge on my account. I verified that my payment was made and secured on my account as it was and has been for 9 months so I contacted veros ( XX/XX/XXXX XXXXXXXX XXXX ) I recently switched insurance companies and they stated they did not receive insurance so this was an insurance charge provided an email ( XXXX ) and was told as soon as they receive the declaration page these charges could be removed. I have sent the required information to this email XXXX XXXX XXXX XXXX I then also XXXX submitted the documents to the veros credit website twice XXXX I was on the phone with veros credit for 1 hour and 38 minutes Customer service transferred me to insurance who was an incompetent lady where all I could hear was her personal problems screaming in the background I hung up.…

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I am filing a complaint because Veros Credit is refusing to allow me to complete a lawful voluntary surrender of my financed vehicle. I have made multiple attempts to coordinate the voluntary surrender, both by phone and in writing, and the company has repeatedly refused to provide : - A surrender location - Written instructions for voluntary surrender - Written confirmation that it will be coded as a voluntary surrender - Contact information for their repossession department Instead, they insist that the only option is an involuntary repossession pickup, which I do not authorize. This is contrary to industry standards and violates my rights under the Uniform Commercial Code ( UCC ) and Florida law.…

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My vehicle was repossessed improperly by Veros Credit, and they are refusing to communicate, provide supervisor access, or address damage caused to my truck while in their or their agents possession. On Friday ( XX/XX/year> ), a Veros representative named XXXX told me my truck would not be transported if I made a payment on Monday morning ( XX/XX/year> ). I relied on this agreement. However, when I called the repossession lot Monday morning, I was told the truck had already been transported, and Veros refused to tell me where it was. Today I emailed Veros at XXXXXXXX XXXX and received no response. I also called multiple times, and the representatives refused to transfer me to a supervisor and only said the complaint department takes XXXX days to reply. I am being denied access to anyone with authority who can help resolve this.…

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Re : Request for Account Information Account Number : VEROS - XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

On XX/XX/year>, I entered into a legally binding Account Settlement Agreement with Veros Credit to settle the account for a reduced balance of {$7700.00}, payable in 38 monthly installments of {$200.00} each ( as documented in the agreement sent by creditor ). Since that date, I have complied with the payment plan and have been making all required payments as agreed. However, Veros Credit continues to report the original balance of {$14000.00} to the credit bureaus, instead of the settlement amount of {$7700.00} or the current balance reflecting that settlement or current balance owed reflecting recent and all current payments. I reached out to company about the issue, and they said they can't remove it from my credit or update the information because it's in a charge off status on my credit and changes can't be made to reflect the payments, I have been sending to them since our arrangement in XX/XX/year>.

My XXXX XXXX XXXX ( VIN ending XXXX ) was involved in an accident prior to XX/XX/XXXX. The vehicle was damaged, not drivable, and never repaired back to working condition. At the time of repossession, my insurance claim was under review. I believed the car was totaled due to the car still not able to be driven or come on. Because the vehicle was in a damaged, non-operational state and the insurance process was active, Vero Credit was required to allow the claim and the GAP coverage I purchased to be completed before taking any collection or repossession action. Instead, they treated the account as delinquent and moved straight to repossession. never receive i never received a Notice of Intent to Sell ( required at least 10 days BEFORE selling a repossessed vehicle ), a Post-Sale Deficiency Notice ( required AFTER the vehicle is sold stating sale price, fees, and balance ). I only learned of the auction after the sale occurred.…

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Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/year> SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Subject : Immediate Removal of Unlawful Repossession FCRA 1681e ( b ), 611, 1681s-2 This complaint is regarding the inaccurate, unverified, and unlawful reporting of a repossession by XXXX XXXX XXXX Account Number : XXXX Violations : 1. Violation of FCRA 1681e ( b ) information reported is inaccurate and unverifiable. 2. Violation of FCRA 611 failure to conduct a reasonable reinvestigation. 3. Failure to provide legally required repossession notices. 4. Failure to mark the account as disputed in compliance with FCRA 1681s-2 ( a ) ( 3 ). Requested CFPB Action : 1. Immediate deletion of the repossession account from all credit bureaus. 2. Full documentation proving lawful repossession, sale, and deficiency. 3. Written confirmation of all corrective actions. Sincerely, XXXX XXXX

On XX/XX/year>, I scheduled a payment of {$1800.00} with Veros Credit, which was confirmed and intended to fulfill my financial obligation. On XX/XX/year>, at XXXX, my vehicle was repossessed before the scheduled payment date and without proper notification. Later that day, at XXXX, I sent a formal letter to Veros Credit stating that I had a valid payment agreement and requested that they honor it and provide an explanation for the repossession. On XX/XX/year>, I received a notice from Veros Credit that my payment arrangement was canceled, claiming the payment was collected on XX/XX/XXXX at XXXX, which contradicts the confirmed payment schedule. As a result of the repossession, I lost income from cleaning jobs I could not perform and experienced significant stress and inconvenience. Veros Credit did not provide any explanation or resolve the issue.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this formal dispute under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) regarding multiple negative accounts reporting inaccurate balances, statuses, and addresses on my credit reports across all three major credit reporting agencies : XXXX, XXXX, and XXXXXXXX. Negative Accounts ( Charge-offs, Collections, Delinquencies ) : 1. VEROS CREDIT Auto Loan ( Closed ) Status : Charged off, {$12000.00} past due Last Updated : XX/XX/XXXX Comments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Secured Card ( Closed ) Status : Charged off, {$600.00} past due Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Collection Account Original Creditor : XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XXXX XXXX, XXXX Status : Collection account, past due as of XX/XX/XXXX XXXX. XXXX XXXX XXXX Collection Account Original Creditor : XXXX XXXX XXXX.…

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