Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:06/03/2024

  Type:Billing Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Better Business Bureau,Subject: Formal Complaint Against Magee Financial Regarding Unauthorized Debt Reporting To Whom It May ********* am writing to file a formal complaint against Magee Financial regarding their unauthorized reporting of a debt to the credit bureaus. I want to clarify that I am the original debtor and not a third party disputing this debt on behalf of someone else. Magee Financial inaccurately reported a closed account with account number ******************** as "Paid Charge Off" and "Paid Profit And Loss," despite a $0.00 balance. They categorized the status as "CollectionOrChargeOff" and falsely claimed late payments. Furthermore, I have never entered into any contractual agreement with Magee Financial, nor have I provided my consent or acknowledgment of this alleged debt. Despite multiple requests for documentation to validate this debt, Magee Financial has failed to provide any evidence. This unauthorized reporting has severely impacted my credit score and financial stability. Therefore, I urgently request the BBB's intervention to rectify this matter promptly and ensure Magee Financial complies with all relevant consumer protection laws and regulations.Thank you.

  Customer Answer

  Date: 06/25/2024

   Dear BBB Representative,
  I am writing to follow up on my complaint (ID: ********* submitted on June 3, 2024, against Magee Finance. As of today, I have not received any response from Magee Finance regarding my complaint.
  Complaint Summary:
  Complaint ID: ********
  Date Submitted: June 3, 2024
  Company: Magee Finance
  Address: *************************************************
  Phone: **************
  Details of the Complaint:
  Magee Finance Account (First Instance)
  Account Number: ***************
  Account Status: Charge Off
  Balance: $0.00
  Highest Balance: $1,820.00
  Open Date: December 30, 2021
  Last Activity: January 2, 2024
  Remarks: Paid Profit And Loss
  Payment Status: Collection/Charge-off
  Times 30/60/90 Days Late: 0/0/0
  Reported By: Equifax
  Magee Finance Account (Second Instance)
  Account Number: ***************
  Account Status: Charge Off
  Balance: $0.00
  Open Date: December 30, 2021
  Last Activity: April 1, 2024
  Remarks: Paid Charge Off
  Payment Status: Collection/Charge-off
  Times 30/60/90 Days Late: 2/1/11
  Reported By: Equifax
  Proof of Violations and Inaccuracies:
  1. Inconsistent Reporting Dates:
  First Instance: Last Activity reported as January 2, 2024.
  Second Instance: Last Activity reported as April 1, 2024.
  Violation: These discrepancies in last activity dates indicate a failure to report accurate and consistent information, violating the Fair Credit Reporting Act (FCRA) requirements for accuracy.
  2. Incorrect Payment Statuses and Remarks:
  First Instance:
  Remarks: Paid Profit And Loss.
  Payment Status: Collection/Charge-off.
  Violation: Payment history shows no history available, which is inconsistent and inaccurate reporting.
  Second Instance:
  Remarks: Paid Charge Off.
  Payment Status: Collection/Charge-off.
  Violation: Payment history indicates inconsistent late payments and charge-off statuses, which is inaccurate reporting under the FCRA.
  Lack of Response from Magee Finance:
  Despite my efforts to resolve this matter through the BBB, Magee Finance has not responded to my complaint. This lack of response is concerning and indicates non-compliance with standard business practices and possible violations of consumer rights.
  Request for Further Action:
  Given the lack of response from Magee Finance, I kindly request the BBB to escalate this complaint and take appropriate action to ensure that Magee Finance addresses these violations. Specifically, I request the BBB's assistance in facilitating the deletion of this inaccurate account from my credit reports with all three major credit bureaus: Equifax, Experian, and TransUnion.
  Violations of the FCRA:
  Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy (15 U.S.C. 1681e(b)):
  Defendants failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning Plaintiff's credit.
  Inconsistent reporting dates and statuses between accounts.
  Failure to Conduct a Reasonable Reinvestigation of Disputed Information (15 U.S.C. 1681i(a)):
  Despite Plaintiff's disputes and BBB complaint, Magee Finance failed to conduct a reasonable reinvestigation of the disputed information.
  Failure of Furnishers to Correct and Update Information (15 U.S.C. 1681s-2(b)):
  Magee Finance failed to correct and update inaccurate information.
  
  Damages for Violations:
  Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy (15 U.S.C. 1681e(b)): $1,000 per violation
  Failure to Conduct a Reasonable Reinvestigation of Disputed Information (15 U.S.C. 1681i(a)): $1,000 per violation
  Failure of Furnishers to Correct and Update Information (15 U.S.C. 1681s-2(b)): $1,000 per violation
  
  Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue.
  Sincerely,
  Gkira ****************
  ********************************
  ****************
  **************
  *********************