Date Received: 2022-11-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The car was a lemon and when I tried to return it XXXX days after purchase the dealer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to take it back. The car demonstrated the following, the first day of driving it off of the lot the car stopped at a light and did not move so I brought the car back and they changed the batter then after that the car wouldnt start intermittently still, it would shut off sometimes when it did start, there was something hanging from the bottom of the car & after maybe 2 months the car stopped starting completely. I could no longer make the payments so I had to return the packet to the dealer and I can not have a car parked in the street without plates and I didnt not have anywhere else to park the car so the car ended up denting sent to the dealer to figure out what was wrong and it ended it in being repossessed due to non payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2015 CREDIT ACCEPTANCE CORP furnished a loan under account number XXXX with a balance of {$4200.00}. In addition to that, they have violated my FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) consumer rights ( XXXX ) False or Misleading Representations ; I have disputed this account due to their inaccurate reporting in which they were asked to produce an original copy of the document bearing my signature stating that I'm indebted to them and they have not ; in addition to that, the FTC ( FEDERAL TRADES COMMISSION ) stated that abbreviating or truncating information of any kind is considered inaccurate and unverifiable in which the FCRA ( FAIR CREDIT REPORTING ACT ) states an account shall be removed if it is considered Inaccurate, Unfair, or Unverifiable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: These companies. Credit Acceptance XXXX XXXX XXXX XXXX has put me in a financial bind.on XX/XX/2021 I entered a UNIFORMED agreement with XXXX XXXX XXXX XXXX Credit Acceptance. I have multiple complaints about the deceptive acts that was done to me, by these companies. My name was digitally signed without my consent & my co signer who at the time had an above XXXX score, was switched to the Buyer and made me co-signer ( at the time had a XXXX score ) hit us with a high APR of 22.9 %. This definitely an Unauthorized transaction and these wet signature documents copys shows how they fraudulently sign XXXX XXXX name. Also this date was on a Sunday and this company hours are XXXX, me and XXXX wasnt in this dealership office signing paperwork nor on a computer in this business.That finance charge is definitely illegal. this finance charge {$13000.00} ; if interest is 22.99 % then interest should be approximately {$4300.00} of {$18000.00} each month {$110.00} should from the monthly payment of {$530.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit acceptance repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased my vehicle on XX/XX/XXXX and financed it with Credit Acceptance Corporation, essentially right at the beginning of the pandemic. I financed {$16000.00} on a 51 month note at 23 % with my first payment due on XX/XX/XXXX. My monthly payment amount is {$510.00}. I made my first ( 3 ) payments timely ( XXXX - XX/XX/XXXX ) and fell a little behind in XXXX - XX/XX/XXXX, however, was able to catch my payments up entirely in XX/XX/XXXX. Throughout XXXX, I typically made payments in full or payments bi-weekly. Unfortunately, however, Credit Acceptance, is not accurately reporting my payment history on my credit. From XXXX, they did not report any information at all to my credit! It literally states " no data ''. XX/XX/XXXX reflects my payment made on-time, then beginning XXXX XXXX XXXX, which is what has been reported to date, it reflects my payments as not current. This is not accurate whatsoever. In XX/XX/XXXX, my wife and I both contracted XXXX and I was out of work for 3 weeks from XXXX. Then, on XX/XX/XXXX, I was diagnosed with XXXX and had to have XXXX to remove the XXXX on XX/XX/XXXX and was out of work for another two weeks ; through XX/XX/XXXX. I contacted Credit Acceptance about this situation and asked if I could obtain some sort of relief via a forbearance, deferment, etc. and I was advised that they were not offering any help whatsoever relative to XXXX relief. Who wouldn't be respectful to a national pandemic and offer some sort of relief? However, in XX/XX/XXXX, they had me set up weekly payments to auto draft every Friday in the amount of {$150.00}, over the next 6 months and advised me that once those 6 months arrangement was up, my account would be current, and they would report it as such. Mind you, {$150.00} weekly at 4 = {$600.00} / month and is {$83.00} more than what my monthly payment is at {$510.00}. The weekly payments have continued to be drafted from my bank account to date, yet my account status with my credit and according to their records reflect that I owe {$3700.00}, not including my upcoming payment, due XX/XX/XXXX. This would reflect that I am 7.25 months behind on my payments, despite making weekly payments of {$150.00} per week since XX/XX/XXXX, XXXX. Credit Acceptance is also reporting that my current payoff is {$14000.00}. If my payoff was {$14000.00}, that would reflect that I have only made 11 monthly payments on my vehicle since I purchased it 31 months ago. 31 months of a 51-month contract. Even going with the alleged 7.25 months behind on my payments, per their records, my current payoff would be {$11000.00}. There is absolutely no way I am 7+ months behind. I have not received a single statement from Credit Acceptance, EVER. I can not pull up my payment history on their website at all. And have no idea what my true status is! What are they hiding? Credit Acceptance is RUINING my credit. Not accurately tracking my payments and has horrible reviews by many customers! They have 1 star out of 5 stars on XXXX with 73 customers reviewed. 1.15 out of 5 stars with XXXX with 244 customers reviewed. Have had 737 complaints with the XXXX in the last 3 years! As well as 1.7 out of 5 stars with XXXX XXXX out of 101 reviews. With that many negative reviews, it can't all be the customers! This is not right and needs to be corrected before I lose my vehicle that I have invested so much money into, am paying 23 % interest on and have added {$10000.00} in upgrades to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under XXXX XXXX XXXX XXXX l ) to extend credit with Credit Acceptance Corporation to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under XXXX XXXX XXXX ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Credit Acceptance Corporation is engaging in extortion and racketeering activity defined under Title XXXX Chapter XXXX Credit Acceptance Corporation did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates XXXX XXXX XXXX ( k ). Credit Acceptance Corporation is obligated to send written notice including the amount of the alleged debt and the original creditor, which violates XXXX XXXX XXXX. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of XXXX XXXX XXXX. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to XXXX XXXX XXXX ( b ) ( XXXX ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of XXXX XXXX XXXX ( b ) ( XXXX ) ( C ). XXXX XXXX XXXX ( a ) ( XXXX ) states that I have the right to privacy as a federally protected consumer. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX. Federal law states that the consumer report does not include a report containing information solely as to transactions or experiences which means late payments and repossessions are a violation of XXXX XXXX XXXX ( d ) ( XXXX ) ( i ). XXXX XXXX XXXX ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under XXXX XXXX XXXX Credit Acceptance Corporation has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code XXXX XXXX XXXX ( b ) ( XXXX ) specifically documentary evidence under XXXX XXXX XXXX which includes books of account. According to XXXX XXXX XXXX ( p ) Credit Acceptance Corporation does not have actual authority for such use of my credit card defined under XXXX XXXX ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Credit Acceptance Corporation is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to XXXX XXXX XXXX. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy which is a violation of XXXX XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX ( a ) ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below-mentioned things ; 1. Enter your request here ; Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX, and XXXX XXXX be deleted from my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Credit Appentance more then once regarding my late payments from the year of 2020. I explained that I was effected by XXXXThis is not a good company. I will not recommend anyone to use them. When you call the customer service representative is unprofessional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've recently viewed my credit file and noticed XXXX has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Ive purchase a vehicle through credit acceptance corporation on XXXX, which is a XXXX XXXX XXXX they were not clear and conspicous, in regards to 15 USC 1605, 1611. Ive requested Credit Acceptance to validate the debt Per 12 CFR 1006.34, which they have not within the time frame given by law. Which is five days from reciept of service. They are in violation of my consumer rights. From the initial communication I was not made aware of my rights as a consumer in regards to 15 USC 1605 " FINANCE CHARGE ''. They willingly and knowingly Violated my rights 15 USC 1611, and should be held liable civilly and criminally with a fine not to exceed the sum of {$5000.00}. Per 15 USC ALL charges are to be covered through finanace charge as stated in 15 USC 1605, So my insurance was to be included. I've been mislead, frauded, and abused beyond means.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A