Client Review on Balboa Thrift and Loan

Feedback:

I have filed with BBB and no response from this company, the CFPB and no response, now It's been taken over by the FDIC and I intend to do more, they have NO idea who their messing with! FDIC has been in contact with me and lets just say their going to very sorry! I don't want to mention whats coming next as I don't want to let that information out just yet, but let's just say it's gonna be well worth it. I had financed a car from this company back in 2012 and in January of 2017 I had ran in to some health issues and had the car repo in March 2017, Creditor then charged off this account at a balance of $2,324.00 they then took me to court to collect that balance of $2,324.00 They (Balboa did not show up at the court hearing) I have a court document that states the case ordered dismissed on 12/11/17...Since that time this creditor has been reporting a balance on my credit report, when an account is charged off its supposed to reflect charge off $0 balance, not only does it not state this, but since then the amount has been reported by them as increasing which is a violation of the Fair Credit Reporting Act (FCRA) I have documents that clearly show, different balances on my credit reports, and also a letter from them with their letterhead stating my balance is now $4,370.38 then on my credit report $4,964.00 then another for $4,272.00 then another for $4,993.00...this company reported this in May 2017 as a charge off, the balance then was $2,324.00..they are in many violation of the laws. They have also contacted me by phone and harassed me to try and pay $4900.00 as a settlement, when clearly the balance at time of charge off was $2,324.00 and also this was dismissed in court anyways. They use pressure tactics and break the laws of the Fair Credit Reporting Act (FCRA) to try and pressure you to pay something that should not be paid, you cannot charge off an account with a balance of $2,324.00 in 2017, then change it to whatever amount you feel like on a monthly basis. This account is a charge off and should reflect charge off $0 balance. I will be filing more complaints after this with other agencies as well.