|
11764069
|
2025-01-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11740867
|
2025-01-25
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
11762728
|
2025-01-24
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Voluntary repossession
|
| Sub Product |
Loan
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11244673
|
2024-12-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
|
|
10591117
|
2024-10-27
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11160840
|
2024-12-15
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-15
|
|
|
6262784
|
2022-11-30
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2022-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-30
|
| Complaint What Happened |
Consumer law rights I XXXX XXXX and XXXX XXXX will like to exercise our rights.
New City Funding is claiming to have being there during the sale but that is a lie because we were on the phone with them at the time of the sale and XXXX was required to be put down. Which is unfortunate because they were suppose to exercise the truth and lending law 15 USC 1622b.
Now 15 USC 1692 F states it was illegal for them to repo our car - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
New City Funding disclose our information to a nonaliated third party.The company thatrepode our car there was no contract in place. Nor were we given a non-disclosure form.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a nancial institution may not, directly or through any aliate, disclose to a nonaliated third party any nonpublic personal information, unless such nancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A nancial institution may not disclose nonpublic personal information to a nonaliated third party unless ( A ) such nancial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Another law I would like to add is 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
Now it's a 1,000 per violation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5529606
|
2022-05-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Auto debt
|
| Date Received |
2022-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-02
|
| Complaint What Happened |
In XXXX of 2016 I purchased a car from XXXX In XXXX NY about 8-9 months after I purchased the Vehicle I traded it in and the amount owed from the loan from New City Funding was added to the new loan from dealership. New city funding is stating that this vehicle was a voluntary repo and has this loan on my credit report as delinquent and I have reached out to New City Funding for them to show proof of voluntary repo which I still have not got they stated during a call that the dealer had called and said I gave the car in as a voluntary repo when I spoke with the dealership they stated that is incorrect. When I requested a copy of the certified letter New City Funding is required to send when a vehicle is repoed with the amount that was owed with proof of what the vehicle was sold for after the alleged voluntary repo and I have yet to receive anything from them and it has been well over 2 years. I have also filed a complaint with the XXXX and New City Funding has not responded to that report either. Also New City Funding stated on my credit report that the starting amount owed for the vehicle was {$6000.00} and that there was 8 payments made in the amount of {$250.00} which would be a total of {$2000.00} which would bring the balance down to {$4000.00} and they stated when they got the vehicle they sold the vehicle at the auction and I now have a balance of {$3900.00} on my credit report. Which if this vehicle was a voluntary repo there would have to be papers I signed to turn the car over to them as well proof of service for the certified letter to be sent which they do not have because I did not voluntarily give the vehicle it was a trade in and I was never served or received a certified letter from new city funding and I have attempted to get documentation from them for over 2 years and still no documents.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6617499
|
2023-02-25
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2023-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-25
|
| Complaint What Happened |
I sent letters out, and call and still no replies to get this Charge off and Closed Accounts off which make no sense .Account shows charge off and was paid.l completely off.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. New City Funding Account # XXXX, has violated my rights. XXXX XXXX CO Reference # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. 9a0950 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information inaccurate
|
| Consumer Consent Provided |
Consent provided
|
|
|
4353829
|
2021-05-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2021-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-05
|
| Complaint What Happened |
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8107108
|
2024-01-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-04
|
| Complaint What Happened |
XXXX has inaccurate information on my credit report about New City Funding account # XXXX stats that I made a payment XX/XX/2019 I never made a payment to the Company in 2019 of XXXX falsely updating information on my report
|
| Consumer Consent Provided |
Consent provided
|
|
|
4066158
|
2021-01-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-13
|
| Complaint What Happened |
I wanted XXXX to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
1686305
|
2015-12-07
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-19
|
| Consumer Consent Provided |
Other
|
|
|
4725361
|
2021-09-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2021-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2776346
|
2018-01-09
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2018-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-09
|
| Complaint What Happened |
I Cosigned for a loan on a vehicle for my father in XX/XX/XXXXXX/XX/XXXXThe purchase of the Vehicle was for $XXXX we put down $XXXX and made 6 payments of $XXXX totaling just over $XXXX dollars leaving the remaining balance of $XXXX dollars The car Had actually broken down and the engine blew due to being faulty the dealership the car had been purchased from blew the check engine light prior to us purchasing the vehicle they had since been turned into the better business bureau and to my knowledge closed down. they repossessed the car and then auctioned it off for $XXXX bringing the balance down to $XXXX when I had last spoken with the financing company NEW CITY FUNDING they had advised me I was the main signer on the account and the would be coming after me for the balance which at that time they had said was about $7,000 I said absolutely not, not only is there no way it's XXXX XXXX but I also Am not the main signer on this loan I asked the initial amount They would not tell me the initial amount of the loan and kept telling me this was the amount owed due to late fees I told them that is not acceptable not only do they have the incorrect information about whom the main signer is but there Is no way It was up to $XXXX dollars I told the women on the phone not to contact me again until they have the correct information. This was the beginning of XX/XX/XXXX I have no heard anything from this company until they called my Boyfriends cell phone yesterday XX/XX/XXXX and left a message on his voicemail with my name and account number which to me is unacceptable because he has not ties to anything of mine what so ever so for them to even have his phone number is not okay. I then called the account manager XXXX whom then told me that They were going to be garnishing my wages and they had gone to court which I had absolutely no knowledge of and they are also saying I now owe XXXX for a vehicle they repossessed so after paying them off I wont even have the vehicle also They are not even going after my father the would not tell me if they have had any contact with him and I had to argue with the women for almost a half hour with her trying to disconnect the line multiple times for her to tell me the initial loan was for $XXXX which I never ever signed any paper work for an $XXXX dollar loan I would've told my father no way!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1776946
|
2016-02-08
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-02-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10238257
|
2024-09-25
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-25
|
| Complaint What Happened |
To Whom It XXXX Concern : Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XXXX ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10227951
|
2024-09-24
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Lease
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Complaint What Happened |
This car was purchased in XXXX the day of the purchase we realized something was wrong with the XXXX asked for a refund from the bank & dealership refused so we was forced to drive to keep it..two weeks after something exploded in the engine..I was stuck with a car payments, insurance and repair bill.I explained to car dealership what was happening they refused fix itaround XX/XX/XXXX I stopped working, due to XXXX XXXX I stopped and paying the car payments because car was still parked at shop, getting this removed has been very frustrating situation. the creditor refused to remove this off my credit almost 5 years later the car is completely payed off since and I no longer want this on my credit Report it affecting my financial health and my XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4860021
|
2021-10-30
|
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 |
NEW CITY FUNDING CORP.
|
| 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 |
2021-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3846368
|
2020-09-12
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2020-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-12
|
| Complaint What Happened |
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7627501
|
2023-09-30
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10001886
|
2024-09-03
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Loan
|
| Date Received |
2024-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10001934
|
2024-09-03
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2024-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-03
|
| Complaint What Happened |
I have purchased a vehicle they inspected the vehicle. No Im good and well that it wasnt gon na pass inspection. Oh, I went to go see what was the issue of the call because I let them know that the XXXX XXXX was XXXX and something was wrong with the XXXX They told me that there was nothing wrong with the engine. The engine is fine, and a couple weeks down the line The car stopped and it wouldnt start anymore so I sent it back to the bank Home like XXXX or XXXX months that line is XXXX paperback talk about this is what they sold. The car for this is how much I owe back, but I tried to take them to court about this vehicle because they let the dealership sell me a XXXX, and I didnt even have the car for a whole year when all these problems paper stating that they tried to take me to court I just got a letter in the mail from my job took my I have a garnishment from them and everything
|
| Consumer Consent Provided |
Consent provided
|
|
|
6689566
|
2023-03-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-14
|
| Complaint What Happened |
Back in XXXX I pulled my credit report finding accounts that I had no recollection of doing business with. One of the accounts that have stuck on my credit profile & continuing to hinder my approvals for bank accounts as well employment is NEW CITY FUNDING CORP . This account was opened back on XXXX ' XXXX XXXX. After disputing the account they did not provide any validation, rather serve me with a summons at someone else 's address, with a contract that has my partial name, as well a signature that isn't mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8112821
|
2024-01-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8112441
|
2024-01-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-05
|
| Complaint What Happened |
This is the Second Attempt : Provided the laws are showing clearly where these companies are violating my privacy rights and yet the companies still refuse to obide is disappointing. Once again ; 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. you need my written consent to add anything to my consumer report, I did not give this authorization which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anyperson who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Anyperson who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and The companies have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7474907
|
2023-08-30
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2023-08-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-30
|
| Complaint What Happened |
This company is reporting on me and I don't have no idea who these people are they put a judgment out on me and these people here I don't have no idea who these people may be these people could be scheming I know I have went through an identity theft everything supposed to be frozen but these people keep coming at me with some judgment and I don't know who these people is they're harass me and you need to have them stop and pull that judgment off me it doesn't make sense by the god of judgment on me and I don't even know who these people are contracts and all that might be fake check this company out
|
| Consumer Consent Provided |
Consent provided
|
|
|
9757251
|
2024-08-09
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-09
|
| Complaint What Happened |
To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX is new city funding corporation and the other is XXXX bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as new city funding my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of new city funding before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
7920991
|
2023-11-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-28
|
| Complaint What Happened |
There is an auto loan that was taken out on XX/XX/2018 in the amount of {$5600.00}. The loan is through new city funding. It was partially paid then charged off. This is not my account and most definitely fraud. You cant even buy a new car for that price. It shows that its an SUV. I have never owned an SUV in my life. I disputed it, but the company maintains that its my loan without providing the proof Ive requested. They simply ignore me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1362784
|
2015-05-06
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-05-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-14
|
| Consumer Consent Provided |
N/A
|
|
|
4626356
|
2021-08-12
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
NEW CITY FUNDING CORP.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2021-08-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-12
|
| Consumer Consent Provided |
Consent not provided
|
|
