ComplaintsforSkopos Financial, LLC

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Initial Complaint
07/04/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This lender openly ignores the *** and the ***** of 1973. This has been the case since we entered into business with each other. In the call logs, the date is listed, however they made 3-4 attempts for each day.
Business response
07/08/2024
acknowledged
Business response
07/12/2024
Please see attached
Business response
07/18/2024
Final Response
Initial Complaint
05/28/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ACCT #: ****** BAL. $16,741.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business response
06/25/2024
acknowledged complaint 6.25.24

Business response
06/26/2024
acknowledged complaint 6.25.24 (please see attached)
Initial Complaint
04/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Description of complaint:To Whom It May ******* at Experian, I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. I am citing specific laws (15 U.S. Code 1681s-2) and *** guidelines pertaining to reporting canceled debt. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. The *** guidelines explicitly state that canceled debt should be categorized as income, not as a debt on a consumer report. This definition, acknowiedged by the ***, contradicts the current way this account is being reported. As stipulated by law (15 U.S. Code .1681s-2), it is your duty to halt the provision of incorrect information to consumer reporting agencies upon being notified of inaccuracies. This communication serves as the required notice, highlighting the inaccurate information that is currently being reported. I kindly request the necessary documentation, specifically Form 1099-C, which should have been issued when this debt was classified as canceled. Kindly forward this documentation to the address provided below. Please understand that continuing to report this inaccurate information violates the law and your responsibility as an information provider. Swiftly addressing this matter and rectitying the reported information are of utmost importance. I respectfully ask for a resolution within the next 10 calendar days. I hope we can work collaboratively to swiftly resolve this issue and prevent any further complications. Thank you for your immediate attention. Sincerely, ************************************************************************) (Email Address: *************************
Business response
05/01/2024
Response and supporting documents attached
Initial Complaint
03/30/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
First and foremost, I want to thank the agent that helped me out last month when my problems were at their worst. She was very professional, reassured me that everything would be ok. She really helped keep me calm. I cannot remember her name now, but she was a guardian ***** indeed. Now to the issue at hand. Over the last few months I've had to have the 2017 Kia ******** repaired not once, but twice, costing me about ******* dollars each. I called them each and every time and tried my best to stay as current as possible, and keep up with my end of the responsibility of communicating with them. Most recently, I made two payments in the amount of $220.00 and $250.00 respectively to keep the account as close to current as I could. A few days ago I got two separate letters, one a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE a CO-SIGNERS NOTICE OF RIGHT TO CURE, the second of which was addressed to my spouse. Str*****y dated for 3/20 and I didn't get either til 3/29, leaving me little time to act. Both had different amounts on them and stated two different actions if I didn't do anything, which is what prompted me to call and make the $250.00 payment and let them know of my intentions. The agent I spoke too asked me what the letters said and told me they were automatically generated, to disregard them, and that as long as I was calling them and trying to make arrangements they'd always work with me. But why send me two different letters with two different verbiage????I am trying my best despite my financial challenges the last few months to keep up, and I've kept up with my end of communicating. I have an autistic child that requires transportation to day care daily and need to hold on to the car and not risk repossession. They say I'm out of extensions, but sometimes emergencies just happen and more often to some people. I'd love if they can work out a break for me and my family, but they seem unwilling to with these letters.
Business response
04/12/2024
We are unable to locate an account for this complaint in our system with the information provided. Please provide an account number for further investigation.
Customer response
04/12/2024

account number # ***********
Business response
04/18/2024
Please see attached response.
Customer response
04/22/2024
What steps can we take then to make this work? I want to stay on track I just need some assistance getting some breathing room.
Business response
05/22/2024
please provide the additional information that the customer provided
Business response
06/13/2024
Please contact our Collections Department at ************** to discuss payment arrangements that are available
Business response
07/01/2024
Please contact our Collections Department at ************** to discuss payment arrangements that are available
Customer response
07/02/2024
I have reviewed the business response and accept this resolution.
Initial Complaint
12/31/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Company not complying with FCRA multiple violations of 15 USC ****
Business response
01/18/2024
Dear ******************,

Thank you for contacting Skopos Financial, LLC. We are sorry your experience with our company has not met your expectations. Customer satisfaction is our top priority.
In your Better Business Bureau (BBB) complaint, you state Skopos Financial is not complying with FCRA 15 USC ****.
We have researched your account and have determined we are reporting true and accurate information based on the payment history and contractual agreement signed on 02/27/2020.
Skopos Financial, LLC purchased a Retail Installment Contract (RIC) dated 02/27/2020 from ****************** ******* in the amount of *********, secured by a 2015 Audi A5.
A total of 16 payments have been completed on the loan.
Your account became delinquent on 02/07/2022.
Your account charged off for non-payment on 06/01/2022.

We have reviewed your account information with all three NCRAs (Experian, Equifax, and TransUnion) and find that the information reported is accurate.

We appreciate you providing us with an opportunity to respond to your concerns.

Best Regards,
Customer Advocacy Department
P. O Box ******
******, ** 75014
**************
Initial Complaint
12/18/2023
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Company said I received several extensions but will not provide me with an address or copy of signatures or a phone number in which the extensions were made. I have asked for signatures but company will not provide.
Business response
01/04/2024
Dear Cherry Cotton,

Thank you for contacting Reprise Financial, LLC. We are sorry that your experience with our company has not met your expectations.
Our Customer Advocacy team is reviewing the information provided to us on 01/01/2024 and conducting a full investigation to resolve your concerns within the next 30 days.
After our investigation, we will contact you regarding our findings. Thank you for allowing us to assist you.
You may contact ** at ************** if you need further assistance.

Thank you,

Reprise Financial
Customer Advocacy Department
PO Box ******
******, ** *****
Initial Complaint
10/02/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Car has been paid off for two months haven't received the title yet can't get any answers why it's taken over two months to get the ******
Business response
10/09/2023
Dear *******************,

We are in receipt of your correspondence to the Better Business Bureau (BBB) regarding your account. Thank you for providing us with the opportunity to respond.
The title was sent via overnight mail on October 09, 2023, to the address we have on file. We apologize for any inconvenience this may have caused you.
Please let ** know if you have questions regarding this letter.

Best Regards,
Reprise Financial
Customer *******************
**************
PO Box 143514
******, ** 75014
Initial Complaint
09/08/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
September 7, 2023 Complaint Letter TO: Skopos Financial, LLC CEO From: ***********************, Acct#*********** Hello,I have been diligently trying to work with Skopos to make my account current, but it is never enough. Despite Skopos assuring me that they would work with me during my time of financial hardship their excessive fees and late charges have kept me from doing so. Even after making payments to Skopos my balance does not decrease. I have been paying on my account since 2019 and at this rate with the exorbitant fees and charges I will never be able to pay this vehicle off. When *** made an effort to request a payoff on their website it just delivers an error message, and the account page does not state the details of my account or any terms that are left to pay off this debt.The Billing and Collections issues I have had to endure with Skopos have been egregious to say the very least. As a committed customer who has suffered a hardship, I am requesting that the late fees and any additional charges be removed so that my account can be made current and that I have a clear path to paying my car off.Sincerely,***************************Better Business Bureau ************************* ****** of ******** Protection Maryland ******** Protection Division
Business response
09/18/2023

Dear ***********************,

Thank you for contacting Skopos Financial, LLC. We are sorry to hear that your experience with our company has not met your expectations.
Our Customer Advocacy team is reviewing the information provided to us on 09/10/2023 and conducting a full investigation to resolve your concerns within the next 15 days.
After our investigation, we will contact you regarding our findings. Thank you for allowing us to assist you.
If you need further assistance, you may contact ** at **************.
Thank you,

Skopos Financial
Customer Advocacy Department
PO Box ******
******, ** *****
Customer response
09/26/2023
I am rejecting this response because: No one has ever reached when I talk to them they act like theyre unaware of the complaint and now Im just being harassed by phone
Business response
10/03/2023
Dear ***********************,

Thank you for bringing your concerns to our attention. In your communication with the Better Business Bureau, you express concerns that we have not worked with you during your personal financial hardship; you are requesting late fees be waived and a billing adjustment.

We have reviewed the account information:
A late fee balance of $1,932.64 has been deferred until the end of your contract; scheduled for 08/16/2025. As of 10/2023, you have exhausted 8 extensions to help resolve your hardships. When contacted by our **************************** on 09/26/2023, you stated you were not able to resolve the past-due balance.

Thank you for the opportunity to respond. Please let ** know if you have questions regarding this letter.
Best Regards,
Skopos Financial
Customer *******************
**************
PO Box 143514
******, ** 75014
Customer response
10/11/2023
I am rejecting this response because:
They are continuing to harass me by phone. Deferring unjust late fees arent helpful. Im asking that they be waived. I will elevate my complaint to the ************************ and ******** ***************************
Business response
12/13/2023
We have no new information to provide.
Initial Complaint
09/07/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I was in a bankruptcy from 2018 until it's dismissal in July 2023. From August 2023 until present time, I contacted my creditors to see if they had the dismissal information so I could resume making monthly payments. On 9/5 Skopos finally stated they had received the information, and had a new balance for me. They stated the balance was ********* in past due retro interest recalculated on the account. Stunned I asked them, can we make a payment arrangement to bring the account to current. They stated no. That I would have to pay the entire ********* by 9/6, the next day. I feel that is unreasonable and would like the option to make reasonable monthly payments to bring my account back current. I feel not giving me the option of a payment plan, at all in unfair and possibly unlawful. If you can assist in anyway it will be greatly appreciated.
Business response
09/18/2023
Dear *************************,

Thank you for contacting Skopos Financial, LLC. We are sorry to hear that your experience with our company has not met your expectations.
Our Customer Advocacy team is reviewing the information provided to us on 09/10/2023 and conducting a full investigation to resolve your concerns within the next 15 days.
After our investigation, we will contact you regarding our findings. Thank you for allowing us to assist you.
If you need further assistance, you may contact us at **************.

Thank you,

Skopos Financial
Customer Advocacy Department
PO Box ******
******, ** *****
Initial Complaint
08/16/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
****** and ********************* surrendered the 2007 ****** Tacoma back to Skopos Financial and they are reporting to the credit bureau that as of August 2023 that we owed them $9,906.00 cause Skopos told bankruptcy that they receive the 2007 ****** Tacoma so how can we paid for a vehicle we don't have.
Business response
08/29/2023

Dear *************************,

Thank you for contacting Skopos Financial, LLC. We are sorry to hear that your experience with our company has not met your expectations.
Our Customer Advocacy team is reviewing the information provided to us on 08/16/2023 and conducting a full investigation in order to resolve your concerns within the next 30 days.
At the conclusion of our investigation, we will contact you regarding our findings. Thank you for giving us the opportunity to assist you.
If you need further assistance, you may contact ** at **************.

Thank you,

Reprise Financial
Customer Advocacy Department
PO Box ******
******, ** 75014
**************
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