Date Received: 2024-02-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is a continuation to my original complaint XXXX. The company, XXXX, was notified by your department on XX/XX/XXXX and I was called by XXXX on XX/XX/XXXX and spoke with a woman who claimed to be an " investigator '' for my claim. We discussed the loan and I expressed to her that the final amount owed was double the pay off amount. The pay off in XX/XX/XXXX was ~ {$13000.00}, and the company was charging me {$24000.00} on my credit report.She said she would investigate that amount. I also requested through a verbal " Goodwill letter '' that the derogatory marks on my credit report be removed. She said she would look into that. She said that she would follow up with me and call me the week of XXXX XXXX. As of this day, XXXX XXXX, I did not hear back from her. It is quite obvious that this company is not serious nor making any concerted effort to resolve this issue amicably. Just as they have shown in the past 11 months. I am not going to waste my valuable time dealing with a party that has no true intentions in settling this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received an order of service process of garnishment on XX/XX/XXXX for a loan dated XX/XX/XXXX. The company is credit acceptance corporation through an attorney XXXX XXXX XXXX XXXX. I never received anything to come to court or dispute it. I have lived at the same address since XX/XX/XXXX. Actually, the car was repossessed. The amount that stating I owe {$11000.00}. I can't even remember the type of vehicle it was or the amount since it has been many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36067
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The car was totaled in an accident and the insurance company was to pay this off and it is still reporting on my credit. No one has responded to my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: SURRENDERED VECHILE AND GOT SETTLEEMNT LETTER ENLOSED, CREDITOR NEVER FURNISH LETTER AND IS FALSELY REPORTING AS REPOSSEION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments Credit Acceptance not given authority to submit any personal information regarding any history without my consent. 15 USC 6802
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries from this company that I didnt make this is Fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XXXX XXXX I called the company to see how much it was to release the car after it was repossessed they told me XXXX and XXXX XXXX I paid about XXXX to get it out of repossession. I asked to speak with a supervisor they put me on hold and went voicemail I left a message no one contacted me as of yet. Looking for a clarification and a solution was so overwhelmed with that number I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Credit Acceptance Corp does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: UCCC 3.301 ( 1 ) states that the financing of an automobile by a bank is not an consumer transaction where the bank was only the Assignee of the automobile taking Security in Addition to the Purchased Automobile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A