ComplaintsforSecurity Group, Inc

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress. Under 15 USC 1681 Section 602, I have the right to financial privacy, and I expect my information to remain confidential. Furthermore, 15 USC 1681 Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided. I have identified inaccuracies on my credit report from SECURITY FINANCE, impacting my financial well-being. I request these inaccuracies be corrected promptly. Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances. For reference, my account details are as follows: Account Number: 5XXXX**** Account Number: 6XXXX**** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information. Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns. Thank you for your immediate attention to this matter. Sincerely, ******** *******

  

  Business response

  12/12/2023

  Please see the attached response. 

• Initial Complaint

  11/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In January, 2017 I was notified by *** that a data breach with auto pay customers had exposed my personal and banking information to identity theft. In June, 2017, I was notified by **** that my checking, savings, and credit accounts had been accessed and funds were taken. During 2017, several accounts were created with creditors using my personal and banking information. The *** breach involved 1200 customers and we were involved in the subsequent investigation by the FBI, FTC, ****, and ***. During the year long investigation in 2018, the resolution was to make sure all events tied to the breach and frqud were deleted and put to rest. I was under the impression that it was done. Now, I have done a thorough dive into all the fraudulent accounts and credit reporting, and find that there is only one creditor, Security Finance, reporting to one credit bureau, **********, that still haunt my name. I tried to write, then telephone Security Finance, only to be treated condescendingly, skeptically, and with no acknowledgement of the order to delete from 2018. ********** too.

  

  Business response

  11/21/2023

  November 15, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ****** **********
  Complaint ID: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Ms. ******* complaint received on October 27, 2023, via email notification.
  We take all complaints received seriously and have thoroughly investigated this matter with the
  assistance of our operations team. The results of our investigation are as follows.
  
  We regularly mail firm offers of credit to “pre-screened” prospective customers identified on lists we
  obtain from certain credit reporting agencies and our investigation shows that Ms. ******* information
  was included on one of those lists. We mailed Ms. ***** a firm offer of credit via “live check” in the
  amount of $1,004.55, and that live check was subsequently presented to a bank for cash or deposit on
  or around April 17, 2017. By endorsing and cashing/depositing the check, Ms. ***** agreed to repay
  the loan according to the terms stated therein, which included 10 monthly installments of $135.00 each,
  beginning 30 days after the check was cashed. Ms. ******* check was fully processed on April 20,
  2017; therefore, her first payment due date was May 20, 2017, and each monthly payment was due on
  the 20th of each month thereafter. Ms. ***** made two payments on her account before it was charged-
  off on January 31, 20181. A copy of the live check loan offer and related documentation and
  disclosures, a copy of the live check that was presented to the bank for cash/deposit bearing Ms.
  ******* signature, as well as, Ms. ******* payment history are enclosed.
  
  We understand Ms. ***** to allege the following:
  
  ? In January of 2017, Ms. ***** was notified by **** that a data breach had exposed her
  personal banking information and thereafter, in June of 2017, she was notified by **** that
  her checking, savings, and credit accounts had been accessed and funds were taken.
  ? In 2017, several accounts were created with creditors using her personal and banking
  information.
  
  
  1 We typically charge off accounts when it has been at least 180 days since a payment has been received due to the
  unlikelihood that a payment will be forthcoming in the near term. Charging off an account is a discrete accounting
  event and in no way affects a customer’s contractual obligations under his/her loan agreement. As such, charged-off
  accounts are reported to the credit reporting agencies and will typically remain on a consumer’s credit report for
  seven years from delinquency.
  
  126000
  
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** **********
  
  ? Over 1200 **** customers were affected by the data breach and those affected were involved
  in an investigation by the FBI, FTC, ****, and ****.
  ? During the investigation, bank accounts were frozen, closed, and reopened with new numbers
  under multiple layers of security, and all accounts created with her personal information were
  addressed, made whole, and closed.
  ? The resolution was that all accounts tied to the breach and fraud were deleted and “put to rest.”
  Ms. ***** was under the impression that at the conclusion of the investigation in 2018 “it was
  done.”
  ? We are the only creditor still reporting an account on her credit report.
  ? She states she has attempted to "write and telephone Security Finance, only to be treated
  condescendingly, and no acknowledgment of the order to delete."
  
  She requests the charge-off account be removed from her credit report. She states we acknowledged
  we "received the benefit of the account being charged-off the books, and that it is time barred by the
  statute of limitations". She also alleges she was "pressed" to send documentation "they were given
  years ago when ordered to delete the account."
  
  We are unable to substantiate Ms. ******* allegations through our investigation.
  
  Our collection notes indicate we spoke to Ms. ***** on April 27, 2017, to discuss the terms of her loan
  agreement. During this call, we confirmed Ms. ******* address and her income. We also note that Ms.
  ***** never communicated to us during our conversation with her that the loan was not hers. In fact,
  on May 19, 2017, Ms. ***** made a debit card payment. Additionally, on June 30, 2017, we spoke
  with Ms. ***** again at which time she made a promise to pay on the account, did not indicate that
  the account was not hers, and fulfilled her promise to pay the same day. A copy of Ms. ******* payment
  history is enclosed. Typically, payments are not made on an account that has been fraudulently
  obtained.
  
  In addition, our records indicate that Ms. ***** has filed several indirect credit disputes regarding the
  above-referenced account alleging various claims. In June of 2018, Ms. ***** filed an indirect dispute
  with ******* disputing her account status and payment rating. That same day, she filed an indirect
  credit dispute with ********** claiming she paid the original creditor before collection status. We
  investigated each of her claims, determined that the disputed information was accurate, and timely
  responded accordingly. Notably, Ms. ***** did not claim fraud on the above-referenced account until
  September of this year at which time she filed an indirect dispute with ******* and **********
  claiming identity fraud/account fraudulently opened. We investigated her claims, determined the
  account was hers, did not involve fraud, and timely responded accordingly. In October 2023, Ms. *****
  filed two additional indirect credit disputes with ********** claiming identity fraud. Once again, we
  investigated her claims, determined the account belonged to her and did not involve fraud and timely
  responded accordingly.
  
  We also note that Ms. ***** contacted our Customer Relations department on two occasions regarding
  her account information and credit reporting. We assume this is what Ms. ***** is referring to in her
  complaint when she states, "I tried to write and telephone Security Finance, only to be treated
  condescendingly, and no acknowledgment of the order to delete." Customer service is very important
  to us and we regret that Ms. ***** does not feel she received excellent customer service from us.
  
  
  126000
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** **********
  
  With regards to Ms. ***** stating she was "pressed" to send documentation "they were given years
  ago when ordered to delete the account," we vehemently deny these allegations. We note that during
  the telephone call we received from Ms. ***** on October 27, 2023, she stated that the above-
  referenced account belongs to her and that she had begun making payments but, **** closed her
  bank account due to the **** data breach.2 She further stated that she was advised not to make any
  payments on the account.3 Notably, we have no affiliation with **** or ****. Furthermore, we
  have not received any communication from the FBI or FTC directing us to delete the tradeline
  associated with Ms. ******* account. As noted earlier, we also have enclosed a copy of the live check
  that was endorsed by Ms. *****. Based on the above, we believe Ms. ******* account with us is
  completely separate from the alleged data breach, and the alleged remedy, which Ms. *****
  acknowledges was directed to the accounts that had been “phished,”4 does not apply to Ms. *****’s
  account with us. For additional clarity, we note that we had no ability to access Ms. ******* bank
  account at **** either before or after **** closed her account and re-issued her a new account. As
  a result, the alleged remedy to limit exposure of Ms. ******* bank account information and to close
  fraudulently opened accounts using that bank account information does not absolve Ms. ***** from
  her contractual obligation to repay the loan she received from us.
  
  With regards to Ms. ***** stating we "received the benefit of the account being charged-off the books,
  and that it is time barred by the statute of limitations", we note this is simply not true. It appears Ms.
  ***** may misunderstand the difference between a “charged-off” account and “debt cancellation.”
  As stated above, the charge-off of an account is a discrete accounting event and does not affect a
  customer’s contractual obligations under his/her loan agreement. Debt cancellation occurs when a
  creditor relieves a debtor from a debt obligation. If the amount of the cancelled debt exceeds
  $600.00, the creditor is required to issue a 1099-C to the IRS, as well as the debtor, as the cancelled
  debt becomes taxable income for the debtor and is reported to the IRS. We emphasize that to date,
  we have not cancelled Ms. ******* debt, we only charged-off her account. It further appears that
  Ms. ***** may also misunderstand the legal term “statute of limitations.” We note that the statute of
  limitations on debts refers to the amount of time a creditor or collection agency can try to collect the
  money owed and is usually raised as a defense by a debtor when a creditor files suit to collect a debt.
  Furthermore, debt collection laws and credit reporting laws are governed by different statutes. For
  instance, statute of limitation laws vary by state and at the federal level the statute of limitations is
  governed by the Fair Debt Collection Practices Act (“FDCPA”) for third-party debt collectors – which
  we are not. However, the amount of time the debt may remain on a credit report is governed by the
  Fair Credit Reporting Act (“FCRA”). Therefore, generally, a debt that may be time-barred by a state
  or federal statute of limitation has no relation to how long information regarding that debt can remain
  on a credit report. In accordance with the FCRA, negative account information will typically remain
  on a consumer’s credit report for seven years from the original delinquency date.
  
  We invite Ms. ***** to visit the below websites for additional information on the length of time a
  consumer’s payment history will remain on a credit report.
  
  
  
  2 We note that later in the same conversation, Ms. ***** stated the account was not hers.
  3 It is unclear from our conversation with Ms. ***** which entity she alleges advised her not to make payments on
  the account (i.e. FBI, FTC, ****, or ****).
  4 Ms. ***** stated in her telephone conversation to us on October 27, 2023, that the remedy was in 2018 for all
  accounts that had been “phished.”
  
  126000
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** **********
  
  ? *******: https://*************************************************************** **********************************
  ? **********: https://********************************************************* ******************************
  As a data furnisher, we have an obligation to report accurate information to the credit reporting
  agencies to whom we report, ******* and **********,5 and we do so in accordance with the
  established ****** data specifications created by the Consumer Data Industry Association (CDIA)
  for credit reporting data furnishers. We have verified that we are accurately reporting the tradeline
  associated with Ms. ******* loan and therefore we will not remove or modify the tradeline.
  
  Nonetheless, our investigation further shows that while ********** is reporting Ms. ******* above-
  referenced account, ******* is suppressing the account. Ms. ***** should contact ******* directly if
  she would like more information as to why ******* has suppressed her account.
  
  Finally, Ms. ***** should note that the FCRA sets forth specific requirements for consumers
  disputing information on his or her credit report. The FCRA instructs consumers to notify the
  creditor of the dispute in writing with detailed information regarding the specific information that
  is being disputed. The consumer must also explain the basis for the dispute and include all
  supporting documentation to substantiate the basis of the dispute. The dispute must be mailed to
  the address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** **** ************ ** *****
  Upon receipt of a dispute which conforms to the above requirements and which contains additional
  identifying information, we will research and respond to the dispute within the timeframe required
  by the FCRA.
  
  We appreciate that Ms. ***** took the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further concerns, she can contact our Customer
  Relations Department at *****************
  
  
  
  Sincerely,
  
  SECURITY FINANCE OF OKLAHOMA, LLC
  

• Initial Complaint

  11/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased a 2010 ******* *** from a dealership named *** auto in April 2022. The financing company pfs conspired with the company and approved to finance me the vehicle even tho either company has ownership of the vehicle. I have been paying off the loan of the car and traded in my 2008 ********** ****** for the said vehicle. It’s been over 18 months and still no registration for the vehicle or any attempts to resolve the issue and refund my money this is a traumatizing experience they have stolen my money with no regard for my pain and suffering if my car gets towed away or is destroyed I have no way to recoup and my credit will be severely impacted if I don’t pay off the false loan they issued on the car. I just want my money back and for them to take back their car and remove this from my credit as soon as possible. I have reported the dealership to dps they have since been closed down but pfs continue to collect every month from me and has not resolved the matter as of 11/3/2023.

  

  Business response

  12/04/2023

  November 16, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********* *******
  Complaint ID: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Mr. ********’ complaint received on November 6, 2023 through the Online
  Consumer Complaint Portal. We take all complaints received seriously and have thoroughly
  investigated this matter with the assistance of our operations team. The results of our investigation are
  as follows.
  
  On April 14, 2022, Mr. ******** executed a Retail Installment Contract and Security Agreement
  (“Contract”) in connection with his purchase of a 2010 ******* *** (the “Vehicle”) through *** **********, a Texas automobile dealer. We, in turn, purchased the Contract from the Dealer. The
  terms of the Contract included 45 monthly payments of $385.93, each due by the 14th of each month,
  beginning May 2022. Mr. ******** has made 17 timely payments on his account. Copies of Mr.
  ********’ loan agreement and payment history are enclosed.
  
  
  We understand Mr. ******** to allege the following:
  
  ? We conspired with *** ********** and approved Mr. ********’ application to finance the
  Vehicle even though *** ********** nor we have ownership of the Vehicle.
  ? It has been over 18 months since Mr. ******** purchased the Vehicle yet there is no
  registration for the Vehicle and he believes there have been no attempts to resolve the issue.
  ? Mr. ******** states this is “a traumatizing experience they have stolen my money with no
  regard for my pain and suffering if my car gets towed away or is destroyed I have no way to
  recoup and my credit will be severely impacted if I don’t pay off the false loan they issued on
  the car.”
  ? Mr. ******** further alleges he has “reported the dealership to dps [sic],” however, the
  dealership has since closed.
  ? We continue to collect his monthly payment every month even though we have not resolved
  the matter as of November 3, 2023.
  
  Mr. ******** requests a refund and a correction to his credit report.
  
  
  126007
  
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ********, *******
  pg. 2
  
  As an initial matter, we vehemently deny Mr. ********’ allegation that we conspired with *** ********** to approve Mr. ********’ application for credit for the Vehicle even though neither we
  nor *** ********** had ownership of the Vehicle. We note that we have provided safe indirect
  automobile financing opportunities throughout Texas and met consumer financial needs in its
  communities for 16 years. We take great pride in our services, as well as the compliant manner in
  which we go about providing them. We would not have been able to grow and continue conducting
  business throughout the state without making good business decisions, providing excellent customer
  service, and complying with applicable state and federal laws and regulations.
  
  We engage in indirect automobile financing via the purchase of retail installment sales contracts for
  new and used automobiles, trucks and motorcycles originated by franchise and independent vehicle
  dealers. When an automobile dealer with whom we conduct business notifies us of a potential financing
  opportunity for one of its customers, we perform an underwriting analysis to determine if the potential
  financing opportunity fits within our lending criteria. Our underwriting analysis includes, among other
  things, a review of the customer’s credit history, employment and general ability to repay the
  contemplated loan. If we choose to finance a particular transaction, and the dealer’s customer selects
  us as their financing partner, the automobile dealer will enter into a retail installment sales contract
  with the customer containing the agreed-upon terms and conditions and we subsequently purchase that
  contract from the dealer. As stated above, on April 14, 2022, Mr. ******** executed a Retail
  Installment Contract and Security Agreement in connection with his purchase of a 2010 ******* ***
  through *** ********** and we purchased that Retail Installment Contract and Security Agreement
  from *** **********. Therefore, Mr. ********’ statement and implication that we somehow
  conspired with *** ********** to sell him a vehicle that neither we nor *** had ownership of is
  misguided. We note that our relationship with Mr. ******** is that of a creditor (Professional Financial
  Services) who has extended credit to Mr. ********, for the purchase of the Vehicle through his Retail
  Installment Contract and Security Agreement, for repayment by Mr. ******** (the debtor). Therefore,
  we are Mr. ********’ creditor and he is the debtor.
  
  With regards to Mr. ********’ statement that it has been over 18 months since he purchased the
  Vehicle, there is no registration for the vehicle, and no attempts have been made to resolve the issue,
  we note we have had multiple conversations with Mr. ******** regarding this matter and our attempts
  to get this issue resolved. As Mr. ******** has stated in his complaint, *** ********** is no longer
  in business and we have been unable to obtain the title associated with Mr. ********’ Vehicle from
  *** **********. However, we have been pursuing other avenues to assist Mr. ******** with this
  matter. Since *** ********** is no longer in business, the Texas DMV recently instructed us to have
  Mr. ******** complete a ******* form so that a bonded title can be issued. Bonded titles are titles
  associated with a specified vehicle and are issued by the applicable state’s Department of Motor
  Vehicles when the original title to the vehicle is assigned incorrectly or is missing. On November 14,
  2023, Mr. ******** came to our branch office and signed the necessary ******* form that will allow
  us to initiate the process to obtain a bonded title for the Vehicle. We are applying for and will pay the
  required surety bond for a bonded title so that a new title can be issued. We are diligently working with
  the Texas DMV to get this resolved swiftly for Mr. ********. Notably, we are aware the state of Texas
  has filed an independent case with the Attorney General regarding *** **********.
  
  
  
  
  126007
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ********, *******
  pg. 3
  
  While we are sympathetic to the inconvenience this situation has caused Mr. ********, we emphasize
  that Mr. ******** made a legal commitment to repay his loan. Therefore, we respectfully reject Mr.
  ********’ demand of the refund of monies paid on his account, including the down payment.
  Nonetheless, we appreciate Mr. ********’ business and the timely manner in which he makes his
  monthly payments and we appreciate his patience as we apply for and await the bonded title.
  
  As a data furnisher under the Fair Credit Reporting Act (“FCRA”), we have an obligation to report
  accurate information to the credit reporting agencies to whom we report, ******* and **********.1
  Our investigation confirms that the information we are reporting regarding the above-referenced
  tradeline associated with Mr. ********’s account is accurate and reporting as current with a positive
  pay history. As such, we will not remove or modify the tradeline associated with his account. For
  clarity, we will continue to accurately report Mr. ********’ monthly payment performance on his
  account in accordance with the ****** data specifications created by the Consumer Data Industry
  Association (“CDIA”) for credit reporting data furnishers. We invite Mr. ******** to visit the below
  websites for additional information on the length of time a consumer’s payment history will remain on
  a credit report.
  
  ? ******** ****************************************************************** ************************************** * *********** ************************************************************************* **********************
  
  Lastly, according to the requirements of the Fair Credit Reporting Act (“FCRA”), any consumer
  disputing information on his or her credit report must notify the creditor of the dispute in writing
  with detailed information regarding the specific information that is being disputed. The consumer
  must also explain the basis for the dispute and include all supporting documentation to substantiate
  the basis of the dispute. The dispute must be mailed to the address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** **** ************ ** *****
  
  Upon receipt of a dispute which conforms to the above requirements and which contains additional
  identifying information, we will research and respond to the dispute within the timeframe required
  by the FCRA.
  
  We appreciate that Mr. ******** took the time to notify us of his concerns and hope that we have been
  able to address them to his satisfaction. If he has any further concerns, he can contact our Customer
  Relations Department at *****************
  
  
  Sincerely,
  
  1 We do not report to ********.
  
  126007
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ********, *******
  pg. 4
  
  PROFESSIONAL FINANCAL SERVICES OF TEXAS, LLC
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance

• Initial Complaint

  10/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Per the FRCA sec 609(c) also 609(a)(5) the consumer is provided the rights per law to challenge any alleged debt that is being reported on a consumers credit report. Per sec 15 U.S code 1602(j)(g) and 15 U.S code 1692 Security Finance has been illegally negatively reporting errors on My consumer report. I have tried to solve this issue with no positive regard. Per 15 U.S code 1666 the company is reporting errors. The balance alleged that I owe on My consumer report is incorrect any balance owed should be stated in a negative amount. Per 15 U.S code 1692 a5 this debt on My consumer reports is alleged therefore illegally being reported on My consumer report. Per U.S code 1692(C) communication from a debt agency is illegal and is illegal to report on My consumer report. Per 15 U.S code 1692(d) having an alleged debt on My consumer report is harassment and this company has harmed My reputation.

  

  Business response

  11/21/2023

  November 1, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: Complaint: ****** *******
  Complaint ID.: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Ms. ******* complaint received on October 26, 2023 through the Online
  Consumer Complaint Portal. We take all complaints received seriously and have thoroughly
  investigated this matter with the assistance of our operations team. The results of our investigation are
  as follows.
  
  Ms. ***** has obtained multiple loans with us. On November 22, 2017, Ms. ***** obtained her most
  recent loan with a total repayment amount of $1,050.00 from our Security Finance branch office
  located in Chattanooga, TN, and agreed to repay the loan in ten monthly payments of $105.00 each
  beginning December 22, 2017. Despite representing her willingness and ability to repay the money
  loaned to her, Ms. ***** only made two payments on her account before it was subsequently charged
  off1 on August 31, 2018. Copies of Ms. ******* loan agreement and payment history are enclosed.
  
  We understand Ms. ***** to allege the following:
  ? “Per the FRCA sec 609(c) also 609(a)(5) the consumer is provided the rights per law to
  challenge any alleged debt that is being reported on a consumers credit report.”
  ? “Per sec 15 U.S code 1602(j)(g) and 15 U.S code **** Security Finance has been illegally
  negatively reporting errors on My consumer report.”
  ? Ms. ***** has attempted to solve this issue with no “positive regard”.
  ? “Per 15 U.S code **** the company is reporting errors.”
  ? The balance on Ms. ******* consumer report is incorrect and any amount owed should be
  stated in a “negative balance’.
  ? “Per 15 U.S code **** a5 this debt on [her] consumer reports [sic] is alleged therefore
  illegally being reported on [her] consumer report.”
  ? “Per U.S code 1692(C) communication from a debt agency is illegal and is illegal to report
  on [her] consumer report.”
  
  
  1 We typically charge off accounts when it has been at least 180 days since a payment has been received due to the unlikelihood
  that a payment will be forthcoming in the near term. Charging off an account is a discrete accounting event and in no way affects
  a customer’s contractual obligations under his/her loan agreement. As such, charged-off accounts are reported to the credit
  reporting agencies and will typically remain on a consumer’s credit report for seven years from delinquency
  
  125915
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** *******
  pg. 2
  
  ? “Per 15 U.S code 1692(d) having an alleged debt on [her] consumer report is harassment and
  this company has harmed My reputation.”
  
  She requests a “correction to a credit report”.
  
  We are unable to substantiate Ms. ******* allegations through our investigation. As an initial matter,
  we note that it appears by Ms. ******* reference to the Fair Credit Reporting Act’s (“FCRA”)
  Sections 609(c) and 609(a)(5) that she has misinterpreted or misapplied those provisions as they
  relate to her claim against us. Ms. ***** should reach out to the credit reporting agencies directly to
  obtain a full copy of her credit report.
  
  Our records indicate that we have received 14 indirect credit disputes from Ms. ***** regarding the
  above-referenced loan. On 3 occasions, Ms. ***** alleged that the account was not hers. We
  investigated each of her claims, determined that the account was hers and did not involve fraud, and
  responded accordingly.2 On 11 occasions, Ms. ***** alleged inaccurate information on her credit
  report. On each occasion, we investigated her claims, determined the information on her consumer
  report was accurate, and responded accordingly.
  
  With regards to Ms. ******* allegation that we are “illegally negatively reporting errors on her
  consumer report, pursuant to what we believe she intended to cite as 15 U.S C. § 1602(j)(g) and 15
  U.S C. § **** et seq., Ms. ***** has incorrectly asserted these statutes in support of her claim. We
  note that 15 U.S.C. § 1602(j)(g) defines “creditor” under the Consumer Credit Protection’s
  Definitions and Rules of Construction section and 15 U.S.C. §**** et. seq. is the Debt Collection
  Practices Act which applies to third-party debt collectors, which we are not. We are Ms. *******
  original creditor. Even so, we vehemently deny Ms. ******* accusations. As a data furnisher under
  the FCRA, we have an obligation to report accurate information to the credit reporting agencies to
  whom we report, ******* and TransUnion3. We have verified that we are accurately reporting the
  tradeline associated with Ms. ******* above-referenced loan on her credit report. As such, we will
  not remove or modify her tradeline.
  
  We invite Ms. ***** to visit the below websites for additional information on the length of time a
  consumer’s payment history will remain on a credit report.
  
  • *******: ********************************************************************************* ********************** * *********** ***************************************************************************** *****************
  
  In addition, Ms. ***** reliance on 15 U.S.C. § ****, also known as the Fair Credit Billing Act
  (“FCBA”), is also flawed. The FCBA applies to open-end credit products such as a credit card. We
  do not offer open-end credit products. Ms. ******* loan with us is a closed-end traditional
  installment loan.
  
  
  
  2 Notably, Ms. ***** does not allege in this complaint that the account does not belong to her.
  3 We do not report to ********.
  
  125915
  
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** *******
  pg. 3
  
  We vehemently deny Ms. ******* allegation that the reporting of the tradeline associated with the
  above-reference loan to the credit reporting agencies is harassment and therefore we have somehow
  harmed her reputation. Our accurate reporting of the tradeline associated with Ms. ******* loan to the
  credit reporting agencies in no way equates to harassment nor does it equate to us harming her
  reputation. We emphasize, as a data furnisher under the FCRA, we have an obligation to report
  accurate information to the credit reporting agencies to whom we report, and we have verified that
  we are accurately reporting the tradeline associated with Ms. ******* above-referenced loan on her
  credit report. Therefore, we will not remove or modify it.
  
  Ms. ***** should note that according to the requirements of the FCRA, any consumer disputing
  information on his or her credit report must notify the creditor of the dispute in writing with detailed
  information regarding the specific information that is being disputed. The consumer must also explain
  the basis for the dispute and include all supporting documentation to substantiate the basis of the
  dispute. The dispute must be mailed to the address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** **** ************ ** *****
  
  Upon receipt of a dispute which conforms to the above requirements and which contains additional
  identifying information, we will research and respond to a dispute within the timeframe required by
  the FCRA.
  
  We note that we have provided safe, traditional installment loans to consumers throughout Tennessee
  and met consumer financial needs in its communities for 17 years. We take great pride in our services,
  as well as the compliant manner in which we go about providing them. We would not have been able
  to grow and continue conducting business throughout the state without making good business
  decisions, providing excellent customer service, and complying with the applicable state and federal
  laws and regulations.
  
  We appreciate that Ms. ***** took the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further concerns, she can contact our Customer
  Relations Department at *****************
  
  
  Sincerely,
  
  SECURITY FINANCE COMPANY OF TENNESSEE

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have received multiple calls from this company (Longview, tx). They never say what they are calling for just leave their name and number. I have never done business with them, so I am assuming someone I know left my name and number as a reference. I have had to block the number, but I still receive the voicemails

  

  Business response

  11/21/2023

  Tonya *. R*******
  Corporate Counsel, Compliance
  
  November 7, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********* ******
  Complaint ID: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Ms. ********** complaint received on October 24, 2023, via email
  notification. We take all complaints received seriously and have thoroughly investigated this
  matter with the assistance of our operations team. The results of our investigation are as follows.
  
  We understand Ms. ******** to allege she is receiving multiple calls a day from “this company”
  and we do not state the intent for the call. She states she is assuming "someone I know left my
  name and number as a reference".
  
  She is requesting no further contact from the business.
  
  Our records indicate that Ms. ******** is listed as a reference for one of our customers.
  
  It is our policy to only contact third parties (e.g., customer references) when we are unable to
  make contact with our customer for a specified period of time and believe that the contact
  information we have for our customer may no longer be accurate. The purpose of the telephone
  call is to obtain updated contact information for our customer. It is also our practice to remove
  from a customer’s account the telephone numbers of any reference who does not want to be
  contacted by us. Our investigation indicates that we did contact Ms. ******** as a reference for the
  purpose of obtaining updated contact information regarding our customer.
  
  However, upon receipt of the above-referenced complaint from Ms. ********, we have placed the
  reference not valid for collections, which will cease all telephone calls to Ms. ********.
  
  We thank Ms. ******** for taking the time to notify us of her complaint and hope that we have been
  able to address her concerns to her satisfaction. If she has any further questions, please direct her
  to contact our Customer Relations and Dispute Department at ***************
  
  
  
  125927
  BBB of Upstate South Carolina, Inc.
  Via Online
  Re: ********, ******
  pg. 2
  
  
  Sincerely,
  
  SECURITY FINANCE OF TEXAS, LP
  
  

• Initial Complaint

  10/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There shouldn't be a delinquency on my credit. I paid both of my payments, and I told them that I would be late. I was told that I wouldn't have anything placed on my credit, because I had to take care of my mother's affairs, so this was the reason why I was late. I was told that was okay, and they would take care of me (per Sherri). Now I look at my credit, and it states delinquent on Security Finance. Why should I have a delinquency on my credit, when I was told there wouldn't be any late transactions on my report. Why do I have a delinquent report right now?

  

  Business response

  11/17/2023

  October 27, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: Complaint: ****** ******
  Complaint ID: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Ms. ******* complaint received on October 16, 2023 via email notification.
  We take all complaints received seriously and have thoroughly investigated this matter with the
  assistance of our operations team. The results of our investigation are as follows.
  
  Ms. ***** has obtained multiple loans with us. On July 25, 2023, Ms. ***** obtained her most recent
  loan with a total repayment amount of $2,560.00 from our Security Finance branch office located in
  Kingfisher, OK, and agreed to repay the loan in 16 monthly payments of $160.00 each beginning
  August 25, 2023. Ms. ***** has made three payments on her account. Copies of Ms. ******* loan
  agreement and payment history are enclosed.
  
  We understand Ms. ***** to allege that we should not be reporting any delinquencies to her credit
  report for the tradeline associated with the above-referenced loan because our employee told her that
  she "wouldn't have anything placed" on her credit report since she made us aware she would be late on
  her payment in order to take care of her mother’s affairs. Ms. ***** also alleges our employee told her
  that "they would take care of me” in regards to the delinquency.
  
  Ms. ***** requests that the delinquency be removed from her credit report.
  
  We are unable to substantiate Ms. ******* allegations regarding her conversation with our branch
  employee. Our investigation indicates that our employee told Ms. ***** that she would note the
  payment arrangement on Ms. ******* account, and that our employee informed Ms. ***** that a late
  fee would be assessed to her account if Ms. ***** did not make her payment timely. There was no
  discussion regarding how the tradeline associated with Ms. ******* account would report to the credit
  reporting agencies.
  
  In regards to Ms. ******* late payments, per the terms of Ms. ******* loan agreement, if a payment is
  not made within 10 days after its schedule due date, a late charge of $31.00 will be assessed to her
  account. As reflected on the enclosed payment history, Ms. ***** did not pay her monthly payment
  due August 25, 2023 until September 20, 2023 and therefore a $31.00 late charge was assessed to her
  account. While Ms. ***** made a payment of $165.00 on September 20, 2023, it did not satisfy her
  
  
  125857
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** ******
  pg. 2
  
  contractually owed amount of $160.00 plus the $31.00 late fee which totaled $191.00. Ms. ***** did
  not fully satisfy her delinquent balance until October 20, 2023.1
  
  As a data furnisher under the Fair Credit Reporting Act (“FCRA”), we have an obligation to report
  accurate information to the credit reporting agencies to whom we report, ******* and **********.2
  Our investigation confirms that the information we are reporting regarding the above-referenced
  tradeline associated with Ms. ******* account is accurate. As such, we will not remove or modify the
  tradeline associated with her account. We invite Ms. ***** to visit the below websites for additional
  information on the length of time a consumer’s payment history will remain on a credit report.
  
  • ******** ********************************************************************************* **********************
  • **********: https://www.**********.****************************************************** *****************
  Ms. ***** should note that according to the requirements of the FCRA, any consumer disputing
  information on his or her credit report must notify the creditor of the dispute in writing with detailed
  information regarding the specific information that is being disputed. The consumer must also explain
  the basis for the dispute and include all supporting documentation to substantiate the basis of the
  dispute. The dispute must be mailed to the address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** **** ************ ** *****
  Upon receipt of a dispute which conforms to the above requirements and which contains additional
  identifying information, we will research and respond to a dispute within the timeframe required by
  the FCRA.
  
  We note that we have provided safe, traditional installment loans to consumers throughout
  Oklahoma and met consumer financial needs in its communities for 17 years. We take great pride
  in our services, as well as the compliant manner in which we go about providing them. We would
  not have been able to grow and continue conducting business throughout the state without making
  good business decisions, providing excellent customer service, and complying with the applicable
  state and federal laws and regulations.
  
  We appreciate that Ms. ***** took the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further concerns, she can contact our Customer
  Relations Department at *****************
  
  
  1 As indicated on Ms. ******* enclosed payment history, Ms. ***** made a payment of $160.00 on October 4,
  2023, and another payment of $190.00 on October 20, 2023 that brought her account current.
  2 We do not report to ********.
  125857
  
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** ******
  pg. 3
  
  Sincerely,
  
  SECURITY FINANCE OF OKLAHOMA, LLC
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  

  

  Business response

  11/17/2023

  October 27, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: Complaint: ****** ******
  Complaint ID: ********
  
  Dear Sir/Madam:
  
  This will acknowledge Ms. ******* complaint received on October 16, 2023 via email notification.
  We take all complaints received seriously and have thoroughly investigated this matter with the
  assistance of our operations team. The results of our investigation are as follows.
  
  Ms. ***** has obtained multiple loans with us. On July 25, 2023, Ms. ***** obtained her most recent
  loan with a total repayment amount of $2,560.00 from our Security Finance branch office located in
  Kingfisher, OK, and agreed to repay the loan in 16 monthly payments of $160.00 each beginning
  August 25, 2023. Ms. ***** has made three payments on her account. Copies of Ms. ******* loan
  agreement and payment history are enclosed.
  
  We understand Ms. ***** to allege that we should not be reporting any delinquencies to her credit
  report for the tradeline associated with the above-referenced loan because our employee told her that
  she "wouldn't have anything placed" on her credit report since she made us aware she would be late on
  her payment in order to take care of her mother’s affairs. Ms. ***** also alleges our employee told her
  that "they would take care of me” in regards to the delinquency.
  
  Ms. ***** requests that the delinquency be removed from her credit report.
  
  We are unable to substantiate Ms. ******* allegations regarding her conversation with our branch
  employee. Our investigation indicates that our employee told Ms. ***** that she would note the
  payment arrangement on Ms. ******* account, and that our employee informed Ms. ***** that a late
  fee would be assessed to her account if Ms. ***** did not make her payment timely. There was no
  discussion regarding how the tradeline associated with Ms. ******* account would report to the credit
  reporting agencies.
  
  In regards to Ms. ******* late payments, per the terms of Ms. ******* loan agreement, if a payment is
  not made within 10 days after its schedule due date, a late charge of $31.00 will be assessed to her
  account. As reflected on the enclosed payment history, Ms. ***** did not pay her monthly payment
  due August 25, 2023 until September 20, 2023 and therefore a $31.00 late charge was assessed to her
  account. While Ms. ***** made a payment of $165.00 on September 20, 2023, it did not satisfy her
  
  
  125857
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** ******
  pg. 2
  
  contractually owed amount of $160.00 plus the $31.00 late fee which totaled $191.00. Ms. ***** did
  not fully satisfy her delinquent balance until October 20, 2023.1
  
  As a data furnisher under the Fair Credit Reporting Act (“FCRA”), we have an obligation to report
  accurate information to the credit reporting agencies to whom we report, ******* and **********.2
  Our investigation confirms that the information we are reporting regarding the above-referenced
  tradeline associated with Ms. ******* account is accurate. As such, we will not remove or modify the
  tradeline associated with her account. We invite Ms. ***** to visit the below websites for additional
  information on the length of time a consumer’s payment history will remain on a credit report.
  
  • ******** ********************************************************************************* **********************
  • **********: https://www.**********.****************************************************** *****************
  Ms. ***** should note that according to the requirements of the FCRA, any consumer disputing
  information on his or her credit report must notify the creditor of the dispute in writing with detailed
  information regarding the specific information that is being disputed. The consumer must also explain
  the basis for the dispute and include all supporting documentation to substantiate the basis of the
  dispute. The dispute must be mailed to the address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** **** ************ ** *****
  Upon receipt of a dispute which conforms to the above requirements and which contains additional
  identifying information, we will research and respond to a dispute within the timeframe required by
  the FCRA.
  
  We note that we have provided safe, traditional installment loans to consumers throughout
  Oklahoma and met consumer financial needs in its communities for 17 years. We take great pride
  in our services, as well as the compliant manner in which we go about providing them. We would
  not have been able to grow and continue conducting business throughout the state without making
  good business decisions, providing excellent customer service, and complying with the applicable
  state and federal laws and regulations.
  
  We appreciate that Ms. ***** took the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further concerns, she can contact our Customer
  Relations Department at *****************
  
  
  1 As indicated on Ms. ******* enclosed payment history, Ms. ***** made a payment of $160.00 on October 4,
  2023, and another payment of $190.00 on October 20, 2023 that brought her account current.
  2 We do not report to ********.
  125857
  
  BBB of Upstate South Carolina
  Attn: Cindy R*****
  Re: ****** ******
  pg. 3
  
  Sincerely,
  
  SECURITY FINANCE OF OKLAHOMA, LLC
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  

• Initial Complaint

  10/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On or about June 5, 2023, I applied for a loan with Security Finance at branch **** in ********, TX. I made the first payment prior to the due date of July 5, but was unable to pay in August. From that time they have proceeded to call multiple times a day and have called relatives from my references list. Earlier today, October 5, 2023, they called at my place of employment, and continued to keep me on the phone even after I stated I could not talk as I work at a school. I have uploaded a cease and desist letter through my account on their website. This business is not permitted to contact me except by mail at my PO Box and any attempts to contact me via any other means or any attempts to contact my family or references will be construed as harassment under Tex. Penal Code § 42.07 (2023) as an act of communicating with intent to "harass", "annoy" or "embarrass".

  Customer response

  10/09/2023

  I received a letter in the mail today that they will respect my request to no further contact. So at this time you may close my complaint as resolved to my satisfaction. 

• Initial Complaint

  08/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****** ******* ***. I do not have a contract with *** **************, they did not provide me with the original contract as I requested

  

  Business response

  08/30/2023

  This complaint filed by consumer, complaint ID number ********, was submitted to the wrong company. Based on the limited information provided we believe the correct company to receive this complaint is ****** ******** ***.

• Initial Complaint

  08/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I mailed in a letter at the end of January looking to try and pay off my charged off balance in exchange for deletion from my credit report. I still to date have not gotten a response. I’m trying to fix my credit to be able to get a house and this is one of the items that I have not been able to get a response on and alls I have wanted to do is pay this for the last 8+ months.

  

  Business response

  09/20/2023

  August 28, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ***** ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received August 23, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the
  results of our investigation are as follows.
  
  After a diligent search of our records, we are unable to identify a customer of ours, or any of our
  affiliates, with the name and other identifying information provided in this complaint.
  
  If Ms. **** will provide additional identifying information, including the last four digits of her
  social security number, loan number or branch name, and city and state where the loan was
  obtained, we would be happy to research her complaint further. Customer service is extremely
  important to us, and we would appreciate the opportunity to investigate Ms. ****** claims
  further.
  
  If Ms. **** has any questions or would like to provide additional information so that we can
  fully research this matter, please direct her to contact our Customer Relations Department at 1-
  ************** and ask to speak with ****** *******.
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF WISCONSIN
  
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance

  

  Business response

  09/20/2023

  August 28, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ***** ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received August 23, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the
  results of our investigation are as follows.
  
  After a diligent search of our records, we are unable to identify a customer of ours, or any of our
  affiliates, with the name and other identifying information provided in this complaint.
  
  If Ms. **** will provide additional identifying information, including the last four digits of her
  social security number, loan number or branch name, and city and state where the loan was
  obtained, we would be happy to research her complaint further. Customer service is extremely
  important to us, and we would appreciate the opportunity to investigate Ms. ****** claims
  further.
  
  If Ms. **** has any questions or would like to provide additional information so that we can
  fully research this matter, please direct her to contact our Customer Relations Department at 1-
  ************** and ask to speak with ****** *******.
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF WISCONSIN
  
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance

• Initial Complaint

  08/11/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This business located in Madison, GA has continued to call my phone number daily. I understand they are calling to communicate with their customer, but I am not their customer and have told them that multiple times. The customer name they are calling for is Fanya (or this is what it sounds like) I do know that a person had my phone number previously had a similar name to that (more than 12 months ago). This has become not only extremely inconvenient, but turning into harassment. I ask that you please clear up your records and stop calling an old number for this client. My number is ************. My name is **** *********

  

  Business response

  08/28/2023

  August 21, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********, ****
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on August 11, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the
  results of our investigation are as follows.
  
  Ms. ******** alleges she has received multiple telephone calls from our Madison, Georgia,
  branch office. Ms. ******** states that she does not know the individual to whom the branch
  office is trying to reach and she has stated the same to the branch office on multiple occasions.
  Ms. ******** alleges that the telephone calls have “become not only extremely inconvenient,
  but is turning into harassment.” She requests that we remove her telephone number from our
  records and cease all contact.
  
  Our records indicate that on March 28, 2023, a customer with our Madison, Georgia branch
  office provided a telephone number, matching the telephone number Ms. ******** provided in
  her complaint (hereinafter referred to as “Ms. ******** telephone number”), as that customer’s
  personal telephone number. Our records also indicate that we attempted to contact that customer,
  at Ms. ********’ telephone number, on multiple occasions. However, none of our telephone
  calls were answered. Our records further indicate that we left voice mail messages requesting a
  return telephone call but no one returned any of our telephone calls.
  
  Upon receipt of this complaint, we marked Ms. ********’ telephone number as an invalid
  telephone number for the above-referenced customer so that Ms. ******** will not be contacted
  going forward. We apologize for any inconvenience Ms. ******** may have experienced.
  
  
  
  125546
  
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ********, ****
  Page 2 of 2
  
  We appreciate that Ms. ******** took the time to notify us of her complaint and hope that we
  have addressed her concerns to her satisfaction. If she has any further concerns or questions,
  please have her contact our Customer Relations Department at ******* ********.
  
  Sincerely,
  
  SECURITY FINANCE OF GEORGIA, LLC

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩