|
3846140
|
2020-09-14
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Lease
|
| Date Received |
2020-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-14
|
| Complaint What Happened |
Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late.
I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX.
I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected.
To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points.
To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3671193
|
2020-05-27
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
| Sub Product |
Lease
|
| Date Received |
2020-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-27
|
| Complaint What Happened |
I leased a XXXX XXXX from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7697124
|
2023-10-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-14
|
| Complaint What Happened |
I reached out to Porsche Financial to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5168988
|
2022-02-01
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2933892
|
2018-06-12
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
| Sub Product |
Lease
|
| Date Received |
2018-06-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-12
|
| Consumer Consent Provided |
N/A
|
|
|
2875398
|
2018-04-14
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7123126
|
2023-06-15
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2023-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Complaint What Happened |
On Monday, XX/XX/2023, I applied for a loan with Porsche XXXX, XXXX XXXX. Trustee XXXX XXXX, accepted my credit agreement. On Tuesday, XX/XX/XXXX, I received a email stating the bank turned me down after accepting my credit agreement. I asked to speak to the underwriter and he failed to provide me with the contact information. On Wednesday XX/XX/XXXX, I spoke to the Finance Manager XXXX XXXX and explained they violated to contract and also violated my right to contract. ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 12 CFR Part 1003, Supp. I, 1003.4, cmt. 4 ( a ) ( 8 ) -4 ( financial institutions report Code 3, Application denied, [ i ] f an institution issues a loan approval subject to the applicants meeting underwriting conditions ( other than customary loan commitment or loan-closing conditions, such as a clear-title requirement or an acceptable property survey ) and the applicant does not meet them ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
4597309
|
2021-08-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-03
|
| Complaint What Happened |
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
2. Identity Theft PORSCHE XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine.
9. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6658791
|
2023-03-08
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-08
|
| Complaint What Happened |
Lamborghini financial services XX/XX/XXXX {$88000.00} charge off!
XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX balance
|
| Consumer Consent Provided |
Consent provided
|
|
|
5580252
|
2022-05-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2022-05-19
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-19
|
| Consumer Consent Provided |
N/A
|
|
|
5600040
|
2022-05-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2022-05-25
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-25
|
| Consumer Consent Provided |
N/A
|
|
|
4919649
|
2021-11-17
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4423294
|
2021-06-02
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-02
|
| Complaint What Happened |
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.
I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format ignoring to report.
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ).
It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2886431
|
2018-04-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3906249
|
2020-10-19
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Porsche Financial Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
