ComplaintsforCredigy Solutions, Inc.

• Initial Complaint

  01/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed bankruptcy in 2014. Its over and all debts have been fulfilled. I need my lien release for my home 732 gasman and we keep getting the runaround on the phone. It is holding up the sale of our house. No way to contact them!

  Business response

  01/17/2024

  Please accept this response of NCEP, LLC to BBB Complaint ID ********.  The subject judgment account was permanently closed in our system of record as a result of ******************* bankruptcy discharge and subsequently de-identified due to its age pursuant to company policy.  If ****************** could have a lien release prepared by his title company or another representative and submit it to NCEP, LLC via this BBB complaint or an email to ****************************************** we would be happy to sign the document and mail the original to ************************************************************** 

• Initial Complaint

  12/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They are saying I had a account with them but I have never heard of them

  Business response

  12/29/2023

  We would be happy to investigate this matter for *************  However, we would request that she provide additional information (original creditor, account number, any co-obligors, etc.) to aid our search, as using her name and address has not yielded any results. Thank you.

• Initial Complaint

  11/29/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed chapter 13 bankruptcy in 2018. Its over and all debts have been fulfilled. I need my lien release for my 2015 Chrysler and they will not answer their phone. No way to contact them!

  Business response

  12/01/2023

  Please accept this as ******* Acquisitions, LLCs response to BBB Complaint ID ********.  A lien release was previously mailed and returned by Federal Express due to an address issue, so we apologize for the delay. The lien release is being sent to the address provided in this complaint.

• Initial Complaint

  10/31/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I filed for bankruptcy years ago under Santander and everything was completely paid in full. I have been trying to retrieve my car title but there is still a lien on it. When I contacted ********* they informed me that in 2016 my information was sent to NCEP LLC. It is almost impossible to get in contact with them. When you do get someone on the phone they are not much help and they have a really bad disposition and they hang up. They wont give much information to you even after youve verified that you are in fact the one in which the account belongs to. I need the car title or release of lien form sent to my address or sent through email (preferably) so that I am able to move forward in my current process with my insurance.

  Business response

  11/07/2023

  Please accept this response of ******* Acquisitions, LLC to BBB Complaint ID ********.  We apologize for any frustration experienced in addressing this matter.  We can send the consumer the title for the subject vehicle.  Please confirm that the title should be mailed to ************************************************** and we will be happy to send it via Federal Express.

  Customer response

  11/07/2023

   
  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. The address listed is a good address to send the information: ************************************************************ 
  
  Sincerely,
  
  *******************

• Initial Complaint

  05/15/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I recently completed my Chapter 13 bankruptcy plan. Initially, my vehicle loan was with Santander Consumer, but transferred to NCEP, LLC. Final payment was made to this creditor on 9/1/22. Once my car loan was paid in full under the completion of my bankruptcy plan, I expected to receive the title for my car (2010 ****** Altima). I am unable to find a contact number for NCEP, LLC in order to resolve this. I would like for them to issue a my car title or advise of what is needed in order for me to obtain this as quickly as possible.

  Business response

  05/18/2023

  Please accept this response to BBB Complaint ID ********. NCEP, LLC delivered vehicle title documents to **************** at **** Mancha Street,*******, ** ***** on January 18, 2023 via ***** tracking number 393514871099. Please advise if this package can be located.     
  

  Customer response

  05/18/2023

  The title was sent to an address of the home that was sold in November 2021. I did not receive the package nor am I able to retrieve it. Please resend the title to my current address at ******************************************************************** 

  Business response

  05/19/2023

  As further response to this complaint from NCEP, LLC (NCEP), the issue appears to be that the customer never received the Fed-x package that contained the original title.  Unfortunately, NCEP cannot recreate that original title.  As a result of this, NCEP has only one remedy available and that is to provide the customer with a Release of Lien that she can take to her DMV and obtain a new title free and clear of the prior lien.  NCEP is in the process of doing that and will have it sent, when prepared, by Fed-x to the now known correct address for this customer.

  Customer response

  05/25/2023

  Please advise when this has been sent and a tracking number if available. Thank you!

  Business response

  05/30/2023

  NCEP is sending the necessary Release of Lien document to *************************************************************; ***** by Fed-x tracking number ************ with delivery on June 1st.  NCEP hopes that this resolves this issue for this customer.

  Customer response

  05/30/2023

  Thank you! I will advise when this has been received. 

  Business response

  05/31/2023

  You are welcome.

  Customer response

  06/02/2023

  I received the document via Fed Ex and have requested a replacement title to be mailed to my current address. Thank you so much for your assistance with this!

  Business response

  06/02/2023

  You're welcome.

  Customer response

  06/02/2023

   
  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

  08/15/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I was recently discharged from ch. 13 bankruptcy. My vehicle loan was thru Santander Consumer, but was then transferred to NCEP, LLC, who received the final payment on 6/29/22. Since my car loan was paid in full under the completion of my bankruptcy, I should have received the title of my car (2007 Jeep Compass). I have found no contact information for NCEP, LLC in order to resolve this. I would like for them to issue a release of lien to the Indiana BMV so I can receive my title.

  Business response

  08/16/2022

  Please accept this as the response of NCEP, LLC ("NCEP") to this complaint.  NCEP is a passive account owner and all servicing is done by third parties.  In this case, the servicer sent the referenced title by Fed-x with tracking number ************ delivered on 7/18/2022 at 5:22 p.m. to the address:  ************************************************** 46032.  We assume that this address was provided to our third party servicer by the customer or her representative but we do see that the address reflected in this complaint is different.  Please try to retrieve this title.  If this is not an address that the customer can access and obtain the title, please advise.

  Customer response

  08/16/2022

  Any mail was suppose to be forwarded from that address (277 pokagon) to my new address (listed below). The package from ***** was never forwarded. Please send another copy of the title to the following address:

  1372 ***********

  *********, ** 46040

   

  Thank you

  Business response

  09/06/2022

  We are sending the requested Release of Lien to *************************************** at ***************************************************** **  46040.  This will be sent by Fed-x with tracking number **** **** **** **** so please look for the delivery.

  Customer response

  09/07/2022

  Hello,

  I tried the ***** tracking number (**** **** **** ****) multiples times, but the website states there is no record of it. 

  Please confirm the correct tracking number for my release of lien. Thank you. 

  Business response

  09/09/2022

  Enter **** **** **** on the ***** website to obtain tracking information for the package.  The package was delivered on 9/8/22 at 1:50pm and signed for by C.  Ryder.  

  Customer response

  09/09/2022

   
  Better Business Bureau:
  I have received the package from the company. 
  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

  06/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I had a car loan with Sandtander Consumer USA which was sold to NCEP. I am attempting to obtain my car title. The car note was paid in full with my Chapter 13 BK filing. I contacted Santander Consumer USA - they gave me NCEP name and phone number. I called the number and a recording came on the line stating that they would not reopen until October 20. Please assist me in getting my car title. Thank you.

  Business response

  06/24/2022

   

  Please accept this as the response of ******* Acquisitions, LLC ("*******") to this complaint.  The customer makes reference to "**********************" which is an affiliate ******* of ******* but ******* is the actual account owner.  Please be advised that the referenced title was mailed to the customer on or about October 7, 2019 per instructions to the attention of one "*************************" at ****************************************************************************** 89128.  If this title was lost, then the only thing we can do is start the process of a Lien Release for that the customer will be able to take to the local DMV to obtain a new title clear of the lien.  Please let us know if the title that was sent can be retrieved or if the Release of Lien is going to be necessary.

  Customer response

  06/24/2022

  Thank you - the original title was lost in the mail between myself and my BK attorney in 2019.  I am requesting that a Lien Release process be started so that I can obtain the Title.  Please note my address has changed since 2019 - it is now ************************************************, **  89145.  

   

  Thank you.

  Business response

  06/30/2022

  A release of lien was delivered to ****************** at 101 ************ #***, *********, **  ***** on 6/28/22 via ***** tracking number 777235166599.  Please advise if any further assistance is needed.

  Customer response

  06/30/2022

   
  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

  05/16/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On April 20th ****** Spivok and *******, LLC (hired by NCEP LLC) received a check to pay off a debt they were collecting This was confirmed by a "paralegal" by the name of ***************************. My bank accounts and the money being held in them were supposed to be released, this was also confirmed by ****************. I followed up weekly. The company never sent the paperwork to the courts confirming the debt was paid in full and therefore the money from my account was never released and instead was sent to NCEP LLC. I have a copy of the check sent to them from my credit union. They have made no effort to refund the money. They have over $300 above the amount due to satisfy the debt.

  Business response

  05/20/2022

  NCEP, LLC (NCEP) is filing this response to Complaint ID ********.  ************************* submitted payment for the subject account on or about April 18, 2022 and a satisfaction of judgment was subsequently filed with the court.  After the satisfaction of judgment was filed, the court received a garnishment check for $333.00 on or about May 13, 2022.  Those funds have not been forwarded to NCEP.  The satisfaction of judgment was again submitted to the court and, now that the court recognizes that the judgment is resolved, our understanding is that the court will return the garnished funds to the garnishee.

• Initial Complaint

  04/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Ive filed for bankruptcy about 9 years ago and Santander Cunsumer sold the lein in which the car fell under this bankruptcy, so it actually should have been repossessed then. So i have been sitting with this car. I've been trying to contact this business and I'm never able to speak with anyone except once and asked them to pick up the car, no one did. Now recently the voice recording states their office will reopen on October 20th. I've been wanting this resolved and unsuccessful.

  Business response

  04/11/2022

  Please accept this response from Wollemi Acquisitions,LLC (Wollemi) to ***** Pitzricks BBB complaint.  Wollemi apologizes to ******************** for any difficulty in contacting Wollemi about this vehicle. Please be advised that the original vehicle title has been requested from storage and, upon receipt and processing, it will be mailed to ******************** with any liens released at ********************************************************************** 54481. 

• Initial Complaint

  03/29/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I filed Chapter 13 bankruptcy in 2016. It was a 100% plan, meaning all outstanding debts would be paid. A car loan through Santander was a part of this plan. Apparently, they sold the debt to NCEP. I made all my payments and my bankruptcy is now complete. The final payment was made on this particular debt in July of 2018. Currently, it is March of 2022. I have now moved to another state (FL) and I need to transfer my title, but I don't have the title. Since the car and all debts associated with the car are paid in full, I should have received my title 4 years ago. Instead I received nothing. Now that my bankruptcy is complete, I definitely should have received my title. Still, nothing. Their Customer Disservice number hangs up. Nothing to be gained or accomplished there. So, here I am. Not because I'm the complaining type, but because they have failed to deliver on their business obligations and cannot be contacted via any conventional means. Will I get my title now? Probably not. More nothing from them because that's all they seem to deliver.

  Business response

  04/04/2022

  Please accept this as the response of NCEP, LLC ("NCEP") to this complaint.  NCEP currently owns this account as successor to Santander Consumer USA.  Our records indicate that there have been consistent payments on a monthly basis with the last payment received being in January of 2022.  Our records also indicate that a discharge of the Bankruptcy proceeding has not yet been entered.  However, as a courtesy to this customer, we have requested the title and, once processed, we will send it with the lien released to the customer at the address showing on this ******************** complaint.  Please contact me at your convenience if more information is needed.

*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. ↩