Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I called the company about up to date the information on payment arrangements so they can send information to the credit bureau to post that I have paid on time and update on the loan amounts should change. When I called customer service and spoke with a lady, she stated that they don't have to update to the bureau until the balanced is XXXX, then they would report it. I did file for dispute with the company twice and no respond. I filed disputes with the XXXX credit bureau which they put my credit score on hold for 30 days, when they responded and stated that they was still waiting for the company to response. I would had to file again. I have the payments conformation statements, and payment arrangements on file. please help so I can correct my credit score to show that I have made payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was a vehicle purchased in my name and I haven't purchased a vehicle in 2 decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is 5ft and I don't buy vehicles because the car payments are two high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is Credit acceptance and I told them it's fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Never heard of this company before never purchase lease or loan a car from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account XXXX have violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I purchased a vehicle through credit acceptance a few years ago and I had to let the vehicle go because of the super high interest rate... I basically paid 4 the amount in 4yrs. And they still have a balance of XXXX showing up on my credit report and this is a XXXX XXXX XXXX which is ridiculous!
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: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Credit Acceptance Corp. regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On XX/XX/year> I notified Credit Acceptance Corp. that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with Credit Acceptance Corp. Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that Credit Acceptance Corp. has continued to furnish my non public personal information to non-affiliated 3rd parties and consumer reporting agencies without my consent. The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that Credit Acceptance Corp complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself. I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by Credit Acceptance Corp. Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The late payments on my credit report from XX/XX/XXXX to XX/XX/XXXX are inaccurate and I would like to see the documentation. otherwise it needs to be permanently removed from my credit report as late and updated to ontime payed on time across all XXXX credit agencies Per 15 U.S. Code 1681e
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: The vehicle was voluntarily repo 'd - They sold the vehicle and they are trying to sue me for what they are saying is still owed. My issue is I was the Co-Signer on the loan. Why is the borrow not listed on the suit as well? The CFPB is already in suit with this particular company for their mishandling of information. Just seems like a fraudulent claim if everyone on the loan isn't being sued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a XXXX XXXX XXXX and financed it through Credit Acceptance in XX/XX/XXXX. I was involved in a car accident XX/XX/XXXX in which the insurance adjuster reported my car was a total loss. After payments from XXXX and Credit Acceptance GAP insurance were made to Credit Acceptance, my file with Credit Acceptance reported a {$0.00} balance on XX/XX/XXXX. Three months later, Credit Acceptance contacted me to indicate I owed a balance for months I no longer had procession of the car as it had been paid off due to a car accident causing a total loss of the vehicle. They said I was still responsible for payments event though I no longer had the vehicle and the insurance had been paid out and I was not informed of this and was negatively reported on my credit. Because of this oversight, they have damaged my credit thus causing hardship as I continue to heal from this accident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Credit Acceptance two weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A