Initial Business Response / [redacted] (1000, 9, 2015/07/30) */ Contact Name and Title: Brandi [redacted] Office Mgr Contact Phone: XXXXXXXXXX Contact Email: [redacted] @instantautofinance.net Mrs [redacted] ’s vehicle was repossessed on June 15, due to her failure to pay as agreedThe repossession agent completed a Condition Report for the vehicle at the time of repossessionThe Condition Report, which is included with this response, indicated that the vehicle contained a stereo, box amp, and a "flip-up" stereo with a TVThe Condition Report stated that the buiradio had been removed and that there was damage to the dash board On July 5, Mrs [redacted] pickher redeemed vehicleOn July 9, 2015, days later, MrsWright contacted SCS Credit Corpwith her complaint When Mrs [redacted] pickher vehicle, it was in the same condition as when it was repossessed Eric [redacted] Collection Department Manager
Initial Business Response / [redacted] (1000, 10, 2015/06/24) */ Contact Name and Title: Brandi [redacted] Office Mgr Contact Phone: XXXXXXXXXX Contact Email: [redacted] @instantautofinance.net 6/13/2015- Received a voicemail from Daniel ***'s in regards to SCS Credit Corp not reporting to the credit bureaus Returned customer's call and left a voicemailLet him know we were not reporting to the credit bureau due to data inconsistencies found in Sept The question has been asked to Equifax and TransUnion about individually reporting filesAccording to both credit bureaus, due to a high risk of fraud, no reports can be sent individually since there is no credit file to back up the informationIn September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the data sent to the credit bureau to be compromisedSCS Credit Corp determined it was best to not report at all than to report inaccurate dataOur program's credit reporting file has been completely rewrittenIt has taken longer than anticipated to make sure that every step possible was taken to report accurate dataSince Sept 2014, SCS Credit Corp has been responding to calls and letters in regards to the credit bureauOur main focus was to work with our software providers and review several credit files for accuracyA credit bureau file was sen to Equifax and TransUnion on April 25, On May 12,2015, TransUnion accepted our credit bureau file, and according to TransUnion all accounts are reactivatedAt that time, Equifax did not accept our file, but another file was sent to Equifax June 18,with an anticipated week return time OFFER: A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account statusOnce reporting has resumed, a manual file can be submitted to the credit bureaus in regards to the history of the account
Initial Business Response /* (1000, 15, 2017/03/16) */
SCS Credit Corponly contacted Ms*** when she was past due on her accountSCS Credit Corpcalled Ms*** six times over a 1/month periodPer her request, on February 6,2017, the collection manager emailed Ms*** a detailed
payment historyIn the future, SCS Credit Corpwill attempt to communicate with Ms*** via emailSCS Credit Corpwill only call Ms*** if she does not respond to our emailThank You
Initial Business Response /* (1000, 5, 2017/10/04) */
SCS Credit Corpdenies harassing Ms*** or her friends and her claim of making payments every weekPhone calls were made to Ms*** only when she was past due and in default under the terms of the contract she signedThe account is
noted each time a call is placed and when someone speaks to a customerCalls were only placed due to a violation of the contract termsOn 9/27/the collector was unable to leave the customer a voicemailWhen the collector called she received a message that the number was not accepting calls at this timeIf we do not receive communication from a customer, references are also contactedMs*** spoke to the Assistant Collections Manager and Collections Manager, both of whom had difficulty dealing with Ms***Ms*** yelled and cursed at employeesMs*** continued calling SCS Credit Corp demanding to speak to the President
Ms*** did speak to the Director of Operations who explained the President would not be speaking with herIt was explained again that Ms*** was only contacted due to missing or short payments and that if she would communicate with SCS Credit Corp and make her promised payments she would not be contactedMs*** made an agreement for future payments and was given an extension to call if she was not going to be able to make her paymentsMs*** said she heard an employee call her a derogatory name as she was hanging upMs*** received an apology and was told the matter would be investigatedThat type of behavior is unacceptable from any SCS Credit Corp employee
If future contact is necessary with Ms***, SCS Credit Corp will try to have the Collections Manager or Director of Operations make the call
Initial Business Response /* (1000, 6, 2015/06/24) */
Contact Name and Title: Brandi Flatt Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: ***@instantautofinance.net
4/24/2015- *** received an Opt-Out Form when she purchased her vehicle with ***The fact that SCS
Credit Corp had temporarily suspended reporting is referenced in the additional notices section of that form6/12/2015- *** made a payment at the SCS Credit Corporate officeShe had inquired about SCS Credit Corp not reporting to the credit bureauShe was informed that we were not reporting to the credit bureau due to data inconsistencies found in SeptIn September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the date sent to the credit bureau to be compromisedSCS Credit Corp determined it was best to not report at all than to report inaccurate dataOur program's credit reporting file has been completely rewrittenIt has taken longer than anticipated to make sure that every step possible was taken to report accurate dataSince Sept SCS Credit Corp has been responding to calls and letters in regards to the credit bureauOur main focus was to work with our software providers and review several credit files for accuracyA credit bureau file was sent to Equifax and TransUnion on April 25,On May 12, 2015, TransUnion accepted our credit bureau fil, and according to TransUnion all accounts are reactivatedA pay history of days must be established in order for a file to be added to a customer's credit fileUnfortunately *** did not have a day pay history at this timeEquifax did not accept our file submitted on April 25, 2015, but another file was sent to Equifax June 18,with an anticipated week return timeAs far as the referenced repairs needed on the vehicle, *** would have to contat ***With SCS Credit Corp being the finance company we do not handle any of the repairs
OFFER:
A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account statusOnce reporting has resumed, a manual file can be submitted to the credit bureau in regards to the history on the account
Initial Business Response /* (1000, 9, 2015/07/30) */
Contact Name and Title: Brandi [redacted] Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@instantautofinance.net
Mrs. [redacted]’s vehicle was repossessed on June 15, 2015 due to her failure to pay as agreed. The repossession agent...
completed a Condition Report for the vehicle at the time of repossession. The Condition Report, which is included with this response, indicated that the vehicle contained a stereo, box amp, and a "flip-up" stereo with a TV. The Condition Report stated that the built-in radio had been removed and that there was damage to the dash board.
On July 5, 2015 Mrs. [redacted] picked-up her redeemed vehicle. On July 9, 2015, 4 days later, Mrs. Wright contacted SCS Credit Corp. with her complaint.
When Mrs. [redacted] picked-up her vehicle, it was in the same condition as when it was repossessed.
Eric [redacted]
Collection Department Manager
Initial Business Response /* (1000, 8, 2015/05/12) */
Contact Name and Title: [redacted]- Operations
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@scscreditcorp.com
9/2/2014-Last time this account reported to the credit bureau
9/2/2014-All data suppressed from Equifax and TransUnion due...
to discrepancies found that were reporting to the credit agencies
12/19/2014-Customer paid off account in full. Due to all data being suppressed, nothing was being updated to the credit agencies
SCS Credit Corp has no record of any phone calls or voicemails in regards to this matter
OFFER:
A credit bureau file was sent to Equifax and TransUnion on April 25, 2015. Equifax has stated it will take 12 business days from this date to review our data before anything is reported to the customer's credit bureau. On May 12, 2015, TransUnion accepted our credit bureau file, and has reactivated all customer accounts. However, it will take 48-72 hours for the customer information to be updated from the last report in September 2014.
A Letter of Credit can be provided to any lender to confirm that the account is paid in full
Initial Consumer Rebuttal /* (2000, 10, 2015/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied thankyou for your service. is there anyway to get that leter of credit mailed to my address at [redacted]?
Initial Business Response /* (1000, 5, 2017/07/18) */
SCS Credit Corp. denies that it has harassed Ms. [redacted]. Every time a phone call was made to Ms. [redacted], she was past due and in default under the terms of the contract she signed. Ms. [redacted] spoke to a collector and the assistant collection...
department manager, and both of these individuals had difficulty dealing with Ms. [redacted]. If future contact is necessary with Ms. [redacted], SCS Credit Corp. will try to have the collection department manager make the call.
Initial Consumer Rebuttal /* (3000, 7, 2017/07/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thereafter I received a notice from [redacted] explaining my due dates which were incorrect, however I was not past due when [redacted] was making these harassing calls my payment she [redacted] called about was stated to me as being delinquent by 1 penny. That pymnt was made that same day and they didn't check their drop box where my pymnt was for 3 days. The past due amount of [redacted] was brought current as well. I have proof of all my statements her [redacted] voicemails and all.I will have to make copies if that documentation but their response is incorrect as well, I can play the voicemails for Revdex.com if needed as well .
Final Business Response /* (4000, 10, 2017/07/25) */
Ms. [redacted] has not let us know of any other issues other than what was in the original complaint. SCS Credit Corp stands by our initial response to this matter.
Initial Business Response /* (1000, 10, 2015/06/24) */
Contact Name and Title: Brandi [redacted] Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@instantautofinance.net
6/13/2015- Received a voicemail from Daniel [redacted]'s in regards to SCS Credit Corp not reporting to the credit bureaus....
Returned customer's call and left a voicemail. Let him know we were not reporting to the credit bureau due to data inconsistencies found in Sept 2014. The question has been asked to Equifax and TransUnion about individually reporting files. According to both credit bureaus, due to a high risk of fraud, no reports can be sent individually since there is no credit file to back up the information. In September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the data sent to the credit bureau to be compromised. SCS Credit Corp determined it was best to not report at all than to report inaccurate data. Our program's credit reporting file has been completely rewritten. It has taken longer than anticipated to make sure that every step possible was taken to report accurate data. Since Sept 2014, SCS Credit Corp has been responding to calls and letters in regards to the credit bureau. Our main focus was to work with our software providers and review several credit files for accuracy. A credit bureau file was sen to Equifax and TransUnion on April 25, 2015. On May 12,2015, TransUnion accepted our credit bureau file, and according to TransUnion all accounts are reactivated. At that time, Equifax did not accept our file, but another file was sent to Equifax June 18,2015 with an anticipated 4 week return time.
OFFER:
A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account status. Once reporting has resumed, a manual file can be submitted to the credit bureaus in regards to the history of the account.
Initial Business Response /* (1000, 8, 2015/05/12) */
Contact Name and Title: [redacted]- Operations
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@scscreditcorp.com
11/14/2014-Customer called SCS Credit Corp about her credit bureau reporting and was advised to speak to [redacted]...
[redacted]
11/14/2014-[redacted] updated the customer's credit bureau with E-Oscar. She then called the customer to notify her that her credit bureau had been manually updated and that SCS Credit Corp had stopped reporting to the credit bureau in September 2014, due to inconsistencies in the data that was being provided to the credit bureaus.
01/22/2015-[redacted] attempted 3 times to contact the customer in regards to a complaint regarding her account not being reported to the credit bureaus. The phone number provided by the customer disconnected all three times and there was no option to leave a voicemail.
02/21/2015-[redacted] updated the customer's credit file manually
02/23/2015-Customer called in regarding the credit bureau and was told she needed to speak to [redacted] No voicemail was received my [redacted] at this time
04/23/2015-Customer called for her loan payoff information and questioned the credit bureau reporting. Customer was told to speak to [redacted] in regards to the credit bureau
04/23/2015-Customer left a voicemail in regards to the credit bureau reporting. [redacted] returned the customer's voicemail that same day informing her of the inconsistences in the data that was being provided to the credit bureaus. The customer claims she has been trying to contact SCS Credit Corp for 2 months with no response. Customer stated we will see what happens when it goes back on her credit, the customer was asked what that was supposed to mean and she responded that she was busy and had to go and hung up.
OFFER:
Proposed Resolution:
A credit bureau file was sent to Equifax and TransUnion on April 25, 2015. Equifax has stated it will take 12 business days from this date to review our data before anything is reported to the customer's credit bureau. On May 12, 2015, TransUnion accepted our credit bureau file, and has reactivated all customer accounts. However, it will take 48-72 hours for the customer information to be updated from the last report in September 2014.
A Letter of Credit can be provided to any lender to confirm that the account is paid in full
Initial Business Response /* (1000, 13, 2016/11/23) */
To Whom it may concern;
Ms. [redacted] account was past due when she was involved in an accident with our collateral (her vehicle). On June 9, 2016, Ms. [redacted] informed SCS's assistant collection manager that SCS should come and pick up the...
vehicle because she had no way of paying for it. SCS then repoed the vehicle. The insurance company for the person who hit Ms. [redacted] vehicle issued a check to her for the damage. According to the contract Ms. [redacted] signed, she was required to apply the insurance check to the debt that she owed on the vehicle to SCS. Ms. [redacted] did not do so. SCS never received or cashed the insurance check. SCS is suing Ms. [redacted] for the debt she owes us. SCS has complied with all applicable laws.
Initial Consumer Rebuttal /* (3000, 15, 2016/11/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The car accident was on may 26,2016. Scs credit tool my name of the title of the car and was in contact with the insurance company. Scs credit never under no circumstances tried to work with me during this time and was disrespectful on numerous accounts. I have tje accident report showing the car is still driavable and I also paid for the towing fee.
Final Consumer Response /* (3000, 18, 2016/11/28) */
[redacted]Document Attached[redacted]
SCS didn't want to work anything out with me at all and sent this to the insurance company in order to get the payment in order to fix the car. The car is driveable and I have made payments on the car every two weeks since January except for the week of May 26(week of the car accident). Scs never offered me abother car and is suing medor the full amount of a car that I don't drive nor it's in my possession. They was never concerned about my health and never asked me was I ok the only thing they cared about was payments. Scs creadit was supposed to respond back 10/31/2016 and is just now replying back to this complaints as well.
Final Business Response /* (4000, 20, 2016/12/05) */
First, it is difficult to respond because Ms. [redacted] complaint has numerous misspellings and some parts are unintelligible. Ms. [redacted] claims that SCS did not "work anything out with me at all". Ms. [redacted] also claims that she only missed one payment (the week of the accident). In fact, Ms. [redacted] was past due almost the entire duration of her loan. On May 20, the week of her accident, Ms. [redacted] was [redacted] past due. On June 8, 2016, one day before the vehicle was repossessed, Ms. [redacted] was [redacted] past due. Ms. [redacted] complains that when her vehicle was wrecked, SCS Credit never "offered" her another vehicle. SCS Credit has no legal or moral obligation to "offer" her another vehicle.
Initial Business Response / [redacted] (1000, 9, 2015/07/30) */ Contact Name and Title: Brandi [redacted] Office Mgr Contact Phone: XXXXXXXXXX Contact Email: [redacted] @instantautofinance.net Mrs [redacted] ’s vehicle was repossessed on June 15, due to her failure to pay as agreedThe repossession agent completed a Condition Report for the vehicle at the time of repossessionThe Condition Report, which is included with this response, indicated that the vehicle contained a stereo, box amp, and a "flip-up" stereo with a TVThe Condition Report stated that the buiradio had been removed and that there was damage to the dash board On July 5, Mrs [redacted] pickher redeemed vehicleOn July 9, 2015, days later, MrsWright contacted SCS Credit Corpwith her complaint When Mrs [redacted] pickher vehicle, it was in the same condition as when it was repossessed Eric [redacted] Collection Department Manager
Initial Business Response / [redacted] (1000, 10, 2015/06/24) */ Contact Name and Title: Brandi [redacted] Office Mgr Contact Phone: XXXXXXXXXX Contact Email: [redacted] @instantautofinance.net 6/13/2015- Received a voicemail from Daniel ***'s in regards to SCS Credit Corp not reporting to the credit bureaus Returned customer's call and left a voicemailLet him know we were not reporting to the credit bureau due to data inconsistencies found in Sept The question has been asked to Equifax and TransUnion about individually reporting filesAccording to both credit bureaus, due to a high risk of fraud, no reports can be sent individually since there is no credit file to back up the informationIn September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the data sent to the credit bureau to be compromisedSCS Credit Corp determined it was best to not report at all than to report inaccurate dataOur program's credit reporting file has been completely rewrittenIt has taken longer than anticipated to make sure that every step possible was taken to report accurate dataSince Sept 2014, SCS Credit Corp has been responding to calls and letters in regards to the credit bureauOur main focus was to work with our software providers and review several credit files for accuracyA credit bureau file was sen to Equifax and TransUnion on April 25, On May 12,2015, TransUnion accepted our credit bureau file, and according to TransUnion all accounts are reactivatedAt that time, Equifax did not accept our file, but another file was sent to Equifax June 18,with an anticipated week return time OFFER: A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account statusOnce reporting has resumed, a manual file can be submitted to the credit bureaus in regards to the history of the account
Initial Business Response /* (1000, 15, 2017/03/16) */
SCS Credit Corponly contacted Ms*** when she was past due on her accountSCS Credit Corpcalled Ms*** six times over a 1/month periodPer her request, on February 6,2017, the collection manager emailed Ms*** a detailed
payment historyIn the future, SCS Credit Corpwill attempt to communicate with Ms*** via emailSCS Credit Corpwill only call Ms*** if she does not respond to our emailThank You
Initial Business Response /* (1000, 5, 2017/10/04) */
SCS Credit Corpdenies harassing Ms*** or her friends and her claim of making payments every weekPhone calls were made to Ms*** only when she was past due and in default under the terms of the contract she signedThe account is
noted each time a call is placed and when someone speaks to a customerCalls were only placed due to a violation of the contract termsOn 9/27/the collector was unable to leave the customer a voicemailWhen the collector called she received a message that the number was not accepting calls at this timeIf we do not receive communication from a customer, references are also contactedMs*** spoke to the Assistant Collections Manager and Collections Manager, both of whom had difficulty dealing with Ms***Ms*** yelled and cursed at employeesMs*** continued calling SCS Credit Corp demanding to speak to the President
Ms*** did speak to the Director of Operations who explained the President would not be speaking with herIt was explained again that Ms*** was only contacted due to missing or short payments and that if she would communicate with SCS Credit Corp and make her promised payments she would not be contactedMs*** made an agreement for future payments and was given an extension to call if she was not going to be able to make her paymentsMs*** said she heard an employee call her a derogatory name as she was hanging upMs*** received an apology and was told the matter would be investigatedThat type of behavior is unacceptable from any SCS Credit Corp employee
If future contact is necessary with Ms***, SCS Credit Corp will try to have the Collections Manager or Director of Operations make the call
Initial Business Response /* (1000, 6, 2015/06/24) */
Contact Name and Title: Brandi Flatt Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: ***@instantautofinance.net
4/24/2015- *** received an Opt-Out Form when she purchased her vehicle with ***The fact that SCS
Credit Corp had temporarily suspended reporting is referenced in the additional notices section of that form6/12/2015- *** made a payment at the SCS Credit Corporate officeShe had inquired about SCS Credit Corp not reporting to the credit bureauShe was informed that we were not reporting to the credit bureau due to data inconsistencies found in SeptIn September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the date sent to the credit bureau to be compromisedSCS Credit Corp determined it was best to not report at all than to report inaccurate dataOur program's credit reporting file has been completely rewrittenIt has taken longer than anticipated to make sure that every step possible was taken to report accurate dataSince Sept SCS Credit Corp has been responding to calls and letters in regards to the credit bureauOur main focus was to work with our software providers and review several credit files for accuracyA credit bureau file was sent to Equifax and TransUnion on April 25,On May 12, 2015, TransUnion accepted our credit bureau fil, and according to TransUnion all accounts are reactivatedA pay history of days must be established in order for a file to be added to a customer's credit fileUnfortunately *** did not have a day pay history at this timeEquifax did not accept our file submitted on April 25, 2015, but another file was sent to Equifax June 18,with an anticipated week return timeAs far as the referenced repairs needed on the vehicle, *** would have to contat ***With SCS Credit Corp being the finance company we do not handle any of the repairs
OFFER:
A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account statusOnce reporting has resumed, a manual file can be submitted to the credit bureau in regards to the history on the account
Initial Business Response /* (1000, 9, 2015/07/30) */
Contact Name and Title: Brandi [redacted] Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@instantautofinance.net
Mrs. [redacted]’s vehicle was repossessed on June 15, 2015 due to her failure to pay as agreed. The repossession agent...
completed a Condition Report for the vehicle at the time of repossession. The Condition Report, which is included with this response, indicated that the vehicle contained a stereo, box amp, and a "flip-up" stereo with a TV. The Condition Report stated that the built-in radio had been removed and that there was damage to the dash board.
On July 5, 2015 Mrs. [redacted] picked-up her redeemed vehicle. On July 9, 2015, 4 days later, Mrs. Wright contacted SCS Credit Corp. with her complaint.
When Mrs. [redacted] picked-up her vehicle, it was in the same condition as when it was repossessed.
Eric [redacted]
Collection Department Manager
Initial Business Response /* (1000, 8, 2015/05/12) */
Contact Name and Title: [redacted]- Operations
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@scscreditcorp.com
9/2/2014-Last time this account reported to the credit bureau
9/2/2014-All data suppressed from Equifax and TransUnion due...
to discrepancies found that were reporting to the credit agencies
12/19/2014-Customer paid off account in full. Due to all data being suppressed, nothing was being updated to the credit agencies
SCS Credit Corp has no record of any phone calls or voicemails in regards to this matter
OFFER:
A credit bureau file was sent to Equifax and TransUnion on April 25, 2015. Equifax has stated it will take 12 business days from this date to review our data before anything is reported to the customer's credit bureau. On May 12, 2015, TransUnion accepted our credit bureau file, and has reactivated all customer accounts. However, it will take 48-72 hours for the customer information to be updated from the last report in September 2014.
A Letter of Credit can be provided to any lender to confirm that the account is paid in full
Initial Consumer Rebuttal /* (2000, 10, 2015/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied thankyou for your service. is there anyway to get that leter of credit mailed to my address at [redacted]?
Initial Business Response /* (1000, 5, 2017/07/18) */
SCS Credit Corp. denies that it has harassed Ms. [redacted]. Every time a phone call was made to Ms. [redacted], she was past due and in default under the terms of the contract she signed. Ms. [redacted] spoke to a collector and the assistant collection...
department manager, and both of these individuals had difficulty dealing with Ms. [redacted]. If future contact is necessary with Ms. [redacted], SCS Credit Corp. will try to have the collection department manager make the call.
Initial Consumer Rebuttal /* (3000, 7, 2017/07/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thereafter I received a notice from [redacted] explaining my due dates which were incorrect, however I was not past due when [redacted] was making these harassing calls my payment she [redacted] called about was stated to me as being delinquent by 1 penny. That pymnt was made that same day and they didn't check their drop box where my pymnt was for 3 days. The past due amount of [redacted] was brought current as well. I have proof of all my statements her [redacted] voicemails and all.I will have to make copies if that documentation but their response is incorrect as well, I can play the voicemails for Revdex.com if needed as well .
Final Business Response /* (4000, 10, 2017/07/25) */
Ms. [redacted] has not let us know of any other issues other than what was in the original complaint. SCS Credit Corp stands by our initial response to this matter.
Initial Business Response /* (1000, 10, 2015/06/24) */
Contact Name and Title: Brandi [redacted] Office Mgr
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@instantautofinance.net
6/13/2015- Received a voicemail from Daniel [redacted]'s in regards to SCS Credit Corp not reporting to the credit bureaus....
Returned customer's call and left a voicemail. Let him know we were not reporting to the credit bureau due to data inconsistencies found in Sept 2014. The question has been asked to Equifax and TransUnion about individually reporting files. According to both credit bureaus, due to a high risk of fraud, no reports can be sent individually since there is no credit file to back up the information. In September 2014, SCS Credit Corp discovered that the software it was using was not updating customer files correctly, which caused the data sent to the credit bureau to be compromised. SCS Credit Corp determined it was best to not report at all than to report inaccurate data. Our program's credit reporting file has been completely rewritten. It has taken longer than anticipated to make sure that every step possible was taken to report accurate data. Since Sept 2014, SCS Credit Corp has been responding to calls and letters in regards to the credit bureau. Our main focus was to work with our software providers and review several credit files for accuracy. A credit bureau file was sen to Equifax and TransUnion on April 25, 2015. On May 12,2015, TransUnion accepted our credit bureau file, and according to TransUnion all accounts are reactivated. At that time, Equifax did not accept our file, but another file was sent to Equifax June 18,2015 with an anticipated 4 week return time.
OFFER:
A letter of credit or a phone conversation can be provided to any lender to confirm the customer's account status. Once reporting has resumed, a manual file can be submitted to the credit bureaus in regards to the history of the account.
Initial Business Response /* (1000, 8, 2015/05/12) */
Contact Name and Title: [redacted]- Operations
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@scscreditcorp.com
11/14/2014-Customer called SCS Credit Corp about her credit bureau reporting and was advised to speak to [redacted]...
[redacted]
11/14/2014-[redacted] updated the customer's credit bureau with E-Oscar. She then called the customer to notify her that her credit bureau had been manually updated and that SCS Credit Corp had stopped reporting to the credit bureau in September 2014, due to inconsistencies in the data that was being provided to the credit bureaus.
01/22/2015-[redacted] attempted 3 times to contact the customer in regards to a complaint regarding her account not being reported to the credit bureaus. The phone number provided by the customer disconnected all three times and there was no option to leave a voicemail.
02/21/2015-[redacted] updated the customer's credit file manually
02/23/2015-Customer called in regarding the credit bureau and was told she needed to speak to [redacted] No voicemail was received my [redacted] at this time
04/23/2015-Customer called for her loan payoff information and questioned the credit bureau reporting. Customer was told to speak to [redacted] in regards to the credit bureau
04/23/2015-Customer left a voicemail in regards to the credit bureau reporting. [redacted] returned the customer's voicemail that same day informing her of the inconsistences in the data that was being provided to the credit bureaus. The customer claims she has been trying to contact SCS Credit Corp for 2 months with no response. Customer stated we will see what happens when it goes back on her credit, the customer was asked what that was supposed to mean and she responded that she was busy and had to go and hung up.
OFFER:
Proposed Resolution:
A credit bureau file was sent to Equifax and TransUnion on April 25, 2015. Equifax has stated it will take 12 business days from this date to review our data before anything is reported to the customer's credit bureau. On May 12, 2015, TransUnion accepted our credit bureau file, and has reactivated all customer accounts. However, it will take 48-72 hours for the customer information to be updated from the last report in September 2014.
A Letter of Credit can be provided to any lender to confirm that the account is paid in full
Initial Business Response /* (1000, 13, 2016/11/23) */
To Whom it may concern;
Ms. [redacted] account was past due when she was involved in an accident with our collateral (her vehicle). On June 9, 2016, Ms. [redacted] informed SCS's assistant collection manager that SCS should come and pick up the...
vehicle because she had no way of paying for it. SCS then repoed the vehicle. The insurance company for the person who hit Ms. [redacted] vehicle issued a check to her for the damage. According to the contract Ms. [redacted] signed, she was required to apply the insurance check to the debt that she owed on the vehicle to SCS. Ms. [redacted] did not do so. SCS never received or cashed the insurance check. SCS is suing Ms. [redacted] for the debt she owes us. SCS has complied with all applicable laws.
Initial Consumer Rebuttal /* (3000, 15, 2016/11/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The car accident was on may 26,2016. Scs credit tool my name of the title of the car and was in contact with the insurance company. Scs credit never under no circumstances tried to work with me during this time and was disrespectful on numerous accounts. I have tje accident report showing the car is still driavable and I also paid for the towing fee.
Final Consumer Response /* (3000, 18, 2016/11/28) */
[redacted]Document Attached[redacted]
SCS didn't want to work anything out with me at all and sent this to the insurance company in order to get the payment in order to fix the car. The car is driveable and I have made payments on the car every two weeks since January except for the week of May 26(week of the car accident). Scs never offered me abother car and is suing medor the full amount of a car that I don't drive nor it's in my possession. They was never concerned about my health and never asked me was I ok the only thing they cared about was payments. Scs creadit was supposed to respond back 10/31/2016 and is just now replying back to this complaints as well.
Final Business Response /* (4000, 20, 2016/12/05) */
First, it is difficult to respond because Ms. [redacted] complaint has numerous misspellings and some parts are unintelligible. Ms. [redacted] claims that SCS did not "work anything out with me at all". Ms. [redacted] also claims that she only missed one payment (the week of the accident). In fact, Ms. [redacted] was past due almost the entire duration of her loan. On May 20, the week of her accident, Ms. [redacted] was [redacted] past due. On June 8, 2016, one day before the vehicle was repossessed, Ms. [redacted] was [redacted] past due. Ms. [redacted] complains that when her vehicle was wrecked, SCS Credit never "offered" her another vehicle. SCS Credit has no legal or moral obligation to "offer" her another vehicle.