![]() ![]() I then file a complaint with CFPB regarding Fair Credit Reporting against Republic Finance, Equifax, and Experian and advise in said complaint that since my complaints and dispute are being totally disregarded and it is affecting me emotionally and financially, I am ready to sue republic, Equifax, and Experian for violation of the Fair Credit Reporting act and anything else their actions fall under. In February 2023, I dispute this again and the status is updated to $0 balance, Paid charge off. That call ended with me hanging up on him and telling him I am getting an attorney to sue them.ĭecember 2023, these people report to the credit bureaus that I have a balance of $148 and charged off. I told him I don't owe them anything and asked did he hear anything I just told him that the entire balance was paid off in December 2021. ![]() November, I then called the local business, and the guy on the phone first told me to call that department back, I rejected this, he pulled up my account and preceded to tell me that I had a $143 balance and would I be paying that on the call. This went on the entire remaining year of 2022. and they never called me or removed this inaccurate information. October 31, 2022, I call Republic Finance dept., they forwarded my inquiry to a litigation mgr. I disputed this 2 more times and still they responded that it was accurate. They responded to the dispute that the information was reported correctly and Equifax and Experian did not remove it. I disputed the reporting of this information and provided a payment receipt that the entire balance owed to them had been paid off through the court's garnishment order in December 2021. January 2022, these people reported to the credit bureau that my balance was $3803. This was on December 4, 2021.ĭecember 8th, the entire garnishment amount they sued for was paid in full plus the Lexis Nexis fee to make the payment was made over $4800. Received another email from the attorney that the payment was made and that the company was in breach of the order. ![]() Regardless of this, where I worked was served with a garnishment order, a response was given as to how much would be withheld from my check each week and sent in at the end of the 4 week period on which date. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day in the form of a paper check.Received an email from an attorney regarding a garnishment order that had been approved in the amount of $4800+, I was never served with a garnishment hearing, so of course I didn't show up in court (I would have if I had been notified). If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. All refinance applications and closings must be completed with a branch employee, and not on our website.Ģ. Current customers: some current customers may not be eligible for a loan refinance. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. The purchase of any required insurance from Republic Finance is optional. Secured loans will have collateral and insurance requirements. Secured loan applications and closings must be completed with a branch employee, and not on our website. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. ![]() Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Loan terms (e.g., rates, origination fees and max. This example is based on an average customer with good credit. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. ![]()
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