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ComplaintsforSierra Credit Corporation
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Complaint Details
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Initial Complaint
10/27/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have recently discovered in my credit file a Creditor reporting of a fraud account. This will be ****************** account numbers # ********** and 2002****73. Now Sierra is using two variations of the account number and I will provide proof with documents for your review, but it is one account that I am addressing here. On 10/10/2023 I sent Sierra Credit Corporation a letter informing them about the error of the reporting. On 10/23/2023 I received a response from Sierra Credit Corporation advising me that they have conducted a review and they won't comply and wont take any action. I believe that they did not make a lawful investigation according to the law above. I also believe that all Sierra Credit Corporation did is match my name and SSN and account number and called this account correct. That information was not in question here in my complaint with Sierra Credit Corporation. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Sierra Credit Corporation has this account classified as a charge off. According to the *** when a Creditor charges off an account they must file a ****-C cancellation of debt. After the creditor charges the account off it becomes income to both parties the consumer and the creditor. According to Experian income does NOT get reported. Furthermore pursuant to 15 U.S. Code 1681a(2)(A)(i) - Definitions; rules of construction. (i)report containing information solely as to transactions or experiences between the consumer and the person making the report; The key here is to highlight the TRANSACTIONS OR EXPERIENCES. Virtually everything like late payments, charge offs, and more. So a charge off is being reported as inaccurate information.Business response
11/08/2023
This trade line has already been deleted.Customer response
11/17/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************Initial Complaint
06/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
On ******** the "manager" called me to inform me I was 35 days past due, I informed her I am suffering a financial hardship. I am aware I am past due, she then starts a condescending attitude when I explained I need my vehicle to work because I do vehicle patrol how do you expect me to pay my bill if I do not have a car she then says I told her previously that I was not working and that now all of a sudden I am working out of no where. I explained that I am on workers comp and those details are none of her business and I cannot get into it due to legal reasons. When I spoke to her on the previous day it was correct that I was not working, however, today, I did work. My job is on an as needed basis or if someone calls off a shift that is when I am able to pick up a shift. She did not let me speak it's as if she was reading off some sort of script and then literally HUNG UP ON ME. I called back THREE TIMES which I have a record of, and two of those three times she hung up on me. This is by far the worst most unprofessional creditor I have ever dealt with, I never want to deal with them ever again. I would rather be without a car than have to deal with their condescending attitude and severe rudeness. It was single-handedly the worst experience in my entire 30 years of dealing with any business. I was almost in tears and I am not exaggerating. I explained that I should only be required to pay the PAST DUE balance and she was arguing with me that I am wrong and I need to pay for both months. My bill is due the 24th of each month which would make Junes payment only 4 days late, and I shouldn't have to be pressured and forced to pay both months at the same time.Business response
07/26/2022
Business Response /* (1000, 5, 2022/07/06) */ We lament hearing that customer had what she feels is an unfriendly conversation. we are in the process of reviewing the recorded phone calls and will discipline those needed to be disciplined as need be. In regards to the account: -Customer is still 43 days late on her payments. We are in need of payments being made on this account. -customer was advised she needed to bring the account up to date per her contract. -Customer was also advised that she needed to provide insurance on the vehicle, as right now she does not have it insured -Customer has made 8 payments on the account, 8 have been past due. 3 of those over 30 days late. We are more than willing to work with the customer, we do need consistent payments made on the account however
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Customer Complaints Summary
4 total complaints in the last 3 years.
1 complaints closed in the last 12 months.