CFPB Complaint

Tribal Lending Enterprise, Inc. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-04-11T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter.

I never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid.
In follow-up correspondence that I received, the following information was included regarding the invalid debt.

Customer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower.
My situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX.
I did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.

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Company: Tribal Lending Enterprise, Inc.

State/Zip: MO 630XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 2872280

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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