Landlord Credit Reporting Services

Auto repair, credit and debt issues top consumer complaint list

Credit card billing and fee disputes and aggressive tactics to collect credit card and other debts remain among the top complaints of American consumers, despite new initiatives to protect cardholders, according to a survey released Wednesday by a coalition of government and private consumer advocates.

The comprehensive survey of 31 state, county and city agencies, located in 18 states across the nation, found that the practices of credit card companies, debt collection agencies, credit "repair" firms and other debt-related entities represented the second most common consumer grievance, close behind the perennial No. 1 gripe: transactions involving auto purchases and repairs.

"Given the lingering recession, it is not surprising that credit and debt complaints remain second only to auto problems," said Anna Huddleston-Aycock, president of the North American Consumer Protection Investigators, one of the survey's sponsors. "Many of the complaint examples that agencies provided were related to the difficult financial situations that consumers and businesses faced last year."

In addition, debt-related complaints topped the list of worst complaints, a category based on the number of such complaints, the amount of loss, the vulnerability of the affected consumers and a certain "outrageousness" factor.

Bogus collections An example cited in the report: The North Dakota Attorney General's Office received many complaints about threatening calls from people demanding payments for payday loans. "In most cases, the consumers did not owe the money," the report found. "They had either already paid off the loans they had gotten or did not have a loan as they did not complete the online loan application process." Nevertheless, when the consumers refused to pay, the callers threatened to arrest them or kidnap their children or extradite the consumers to the Dominican Republic.

Debt-related complaints also ranked high -- claiming third place on the list of fastest-growing problems. This also comes as little surprise in light of the nation's slow economic recovery and stubbornly high unemployment rate.

"Consumers who are deeply in debt and are unable to borrow money from traditional lenders to dig their way out may be tempted by online offers for personal loans, but they could end up even worse off than they were before," the study concluded. "Some of the fastest-growing complaints, such as credit and debt problems and store closings, are probably linked to the tough economic times.

Credit Report Check For Landlords — ganga-japan.com

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