Date Received: 2022-10-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Credit Acceptance sent a letter this month stating that they are going to take me off of their Covid 19 Protection Program starting XX/XX/XXXX and that any late payments, fees will be added to my credit report and that we could face repossession. Credit Acceptance took me off their Covid Protection Program back on XXXX of XXXX. They reported a total of 25 late payments and made calls and sent letters threatening to reprocess me and my husband 's vehicle. For 2 years we have struggled to make the monthly payments during Covid and have expressed this to Credit Acceptance without anything being done about it. It was only when I made a complaint to the CFPB back in XXXX of this year XXXX that something was done and they entered me into their Covid Protection Program for a couple months but now they are stating that fees, back pay and other monies are do. That they will be changing the way they report to the Credit Agencies to reflect back pay and could reprocess the vehicle. As a consumer I should be treated fairly. Credit Acceptance should give me the same amount of time in Covid 19 Protection as was given to other consumers, especially since I was initially enrolled in the Covid 19 Protection Program but was taken out by Credit Acceptance. The burden of not being protected from repossession for 2 years has put us behind on everything else including losing shelter. Credit Acceptance needs to grant us Credit Protection for 2 years since we should've been in the Covid 19 Protection Program starting XXXX XXXX. During Covid me and my husband are victims of predatory lending. This is unfair, deceptive and abusive practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section 18 ( a ) ( 1 ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: To whom it may concern, within the timing of the auto repossession it was commonly a surprise to me. Due to the fact Ive had multiple communications with representatives from Credit Acceptance. From XXXX. During, before, and after COVID-19. Communication went as followed Credit Acceptance agreed to remove ALL late payments under goodwill status. Not to mention they also agreed to non-repossession, and non-reporting ANY late payments to third parties. Throughout the year of 2022 Credit Acceptance has reported 11 late payments, and 1 repossession to third party credit bureaus. Credit Acceptance defaulted on their agreement to non-reporting, and non-repossession Pursuant to 18 USC 8, I owe no debt, the company is violating my consumer right to privacy pursuant to 15 USC 168:1 : b2. The company has no permission to report ANYTHING using my info pursuant to 15 USC 168:1:4 On XX/XX/2022 I immediately asked for the credit bureaus to investigate, and remove account from credit report. Credit Acceptance doesnt have the right to make an agreement, and default on the agreement. In which, caused a breach of peace during the repossession, and also deformation of character. Ive lost personal property when the vehicle was repossessed Secondly, the vehicle was repossessed on a personal property behind a closed locked gate. Thirdly I was never informed nor received a message as to where, and how I may collect/retrieve personal items. According to Michigan repossession laws all three reasonings is a breach of privacy. I'm highly upset that Credit Acceptance are partners with XXXX XXXX. As stated by personal experience the company itself has been known for stealing customers personal items. At the time of the repossession I was unable to hold my job due to missing work and lack of transportation. That also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on credit reports. Not to mention Credit Acceptance engaged unfairly failing to obtain refunds for me for add-on products that no longer provides a benefit to me. Credit acceptance has also misled me about the amount of final loan payments after my normal payments were deferred due to financial difficulties largely as a result of the COVID-19 pandemic.
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: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit Acceptance Corporation continues to report inaccurate information on all three of my credit reports XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - XXXX - 149 days past due XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - 120 days past due XXXX - last payment date XX/XX/XXXX - no reported delinquency days - past due 180 days
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: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I want to take those hard pull of my credit report?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of XXXX I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to XXXX or any means of automated verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could. After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed XXXX payments. I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the XXXX payments and begged them to keep me on covid protection. Even though prior to XXXX, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and XXXX of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. Since not being placed on the XXXX XXXX XXXX, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter. My XXXX XXXX was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i was involve with in one credit acceptance law suit where Thousands of Massachusetts consumers, many of them first-time car buyers, put their faith in XXXX to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles, which the state of Massachusetts won and my debt was supposed to be resolved but time i talk to the supervisor is busy and should call again some time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX XXXX XXXX illegal repossessed a XXXX XXXX XXXX. Without any permission, nor notification of where I may retrieve personal items from the car. Credit acceptance also did not notify me of a right to redeem vehicle. credit acceptance currently has multiple compliant filed against the company, As they lie and try to close the compliant so that they can repossessed the vehicle. After findings of multiple illegal repossession. The Consumer Financial Protection Bureau ( CFPB ) is moving to thwart illegal repossessions in the heated auto market. A compliance bulletin issued today reveals conduct observed during CFPB examinations and enforcement actions, including the illegal seizure of cars, sloppy record keeping, unreliable balance statements, and ransom for personal property.The CFPB is concerned that these market conditions might create incentives for risky auto repossession practices, since repossessed automobiles can command higher prices when resold. The timing of auto repossessions often comes as a surprise to borrowers and can cause devastating injury by depriving borrowers of the use of their vehicles. In addition, many people experience emotional distress when a car is taken from them, lose personal property, miss work or lose their job, incur expenses for alternative transportation, pay repossession-related fees, experience negative credit reporting, and have to repair vehicles damaged during the repossession process.
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: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A