Date Received: 2023-03-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit acceptance. Was my lender. When I would make a payment they would send me letters saying I was behind on my car loan threaten to take my car several times hardly ever did they post a payment when I would make a payment making it look like I was always behind.. Ended up trading it off just to get out from them and they refused to send the carl lot the title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Repossessed car in 2019, the company sold the car. The repossessed car loan was XXXX. The company adds charges to the loan to this day and says I owe XXXX for the repossessed car 4 years later. Fraudulent reporting to credit bureaus. Fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of fraud I have 21 hard inquiries That I did not approve of -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ACCEPT CORP/CAC ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I dont know the exact time frame but after I purchased the vehicle the dealership said I could refinance after 6 months to get a better price. Well I got denied not once but twice. I barely make the payments monthly. Its XXXX a month. So rn I am on a payment plan for XXXX a week. I just want my payments lowered and affordable And I just read that there is a lawsuit against them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Gor misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Had our vehicle repossessed and in order for us to get it back Credit acceptance said all we have to pay for late payments and repo fees was {$650.00}. So we did on XX/XX/2023 and picked up the vehicle on XX/XX/2023. Now they are saying we owe all these of around {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit reporting act XXXX act # XXXX, has violated my rights 15 USC 1681 section 602 : states I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor my not threat a payment on a credit card account under an open end consumer credit plan as late for a purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Credit acceptance corp has sent me a summons and also bankruptcy attorneys have sent advertisements but to my boyfriends parents house, somewhere I have never lived, and this is someone I dont have contact with. I dont owe these people money but after going to court connect I see a lawsuit for me, they have the wrong addresses, I have never lived at XXXX XXXX XXXX I have never even used that address for anything. They have never sent me anything personally, this was a loan taken out by my ex husband in XXXX and that was XXXX XXXX XXXX which is beyond the statute of limitations, as far as I know, no payments or even communication have been made with this company, sending my personal information to people I am not even related to is beyond a breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My car was stolen on XX/XX/2022 I contact the insurance compamy XXXX XXXX who denied the XXXX but also submited the claim to XXXX XXXX due to having Gap Coverage throught XXXX But XXXX is stating XXXX XXXX is the Gap insurance and they process ther'er own claims whi is unfair proctice procedure to the consumer becuse if insurce denies a claim they don't pay the balance off leaving you with a bace even though you've purchased a gap policy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Just got the vehicle and was on the verge of getting insured and everything then I got t-boned by another driver and the car was totaled. It was difficult to get it insured and fixed being that I just started my job at the time. Which was in XXXX of XXXX. It was a XXXXXXXX XXXXr and the payment was about XXXX a month. They still put the repo on my credit and now it's preventing me from getting a house. When the pandemic started that made it that much more difficult to try and pay the car off even tho I wasn't driving it anymore. Need help with trying to get that off my report so I can move and get to another phase in my life
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A