Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit Reporting act Credit Acceptance Corp 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 a 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 and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Sent in certified mail on XX/XX/23 I never recieved a return slip Credit Acceptance also disregarded Tila, stating there are are not liable of what dealership has done
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: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent letters to XXXX on XXXX XXXX XXXXXXXX to validate credit acceptance. I asked for a validation of debt owned and got no response within 30 days XXXX stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXXXXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: XX/XX/2017 I was XXXX XXXX XXXX and was going over motor vehicle purchase contract and found missing information of the vehicle identification number and the odometer. I told them to fix the issues and I would come back and sign the contract. They never called back the vehicle was released to me that day. 2 weeks later I went back and requested the contract and was told it was taken care of. I still to this day have never had a signed contract with Credit acceptance corporation. And by Wisconsin statute trans 139.05 the contract must show include year, make, model, identification number. They also then submitted false statements about repairs made to the vehicle that stated they made repairs but only paid for XXXX dollars of a diagnostic fee from a towing company. And made claims that they made XXXX in repairs and their receipt shows that money was to cover transportation cost not repairs. They used intimidating statements throughout the process. The sheer number of violations including requesting a judgement and repossessing a vehicle without a valid contract as well as damaging that property. This shows excessive unfair sales and consumer violations. They also violated the dot requirements to submit for repossession title and notify the state of any handling of this contract. You will also not the only initial on the contract is arbitration clause and that they voided arbitration clause on filing a summary judgement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations. I, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 use 6802. negligence in removing this account will be result in a civil lawsuit for federal violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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 was supposed to be in Covid protection status and was told and I have the proof that I didnt need to start making a payment until XXXX it is now reporting I am past due and it took a. Hit to my credit I want this fixed as I have paid a payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46516
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I've issued a XXXX to Credit Acceptance on XX/XX/2023, and have been denied my right to see the accounting and general ledgers on all debits, credits etc., but they've avoided showing the books by all cause. They were given multiple opportunities to not only remove the information from my profile in which I did not give them any consent, but to also prove that I owe them anything pursuant to an " alleged loan that they so called gave me according to their representatives. '' They are also committing language fraud by use of certain words when it clearly states in their XXXX and XXXX XXXX XXXX documents at the top that they " DO NOT COMMIT LANGUAGE FRAUD '' but they do just that. It says that they've signed in their security agreement with the XXXX XXXX under 17 CFR 424, that they will not commit language fraud or solicitation. I've also sent to them registered endorsed dividend bond securities that's owed to me as a silent investor, but yet they've kept them indicating they don't owe me anything. XXXX XXXX can contest these events and is willing to be a witness to more than a couple incidents in this regard. They even went as far as telling me in writing that I don't have any rights and verbally as well. We have some of these phone conversations including them telling me that they couldn't accept anything other than a certified Bank check before stealing my consumer household goods. Prior to stealing my household consumer goods without just compensation, I warned them that they were breaking the consumer laws by ignoring my right to rescind any portion of the alleged XXXX sided agreement that I allegedly gave them consent to do. However, I believe that my information and signature may have been copied and pasted on other documents in order to bind us to these XXXX sided agreements by the dealer in which is unethical and fraudulently, including document forgery. I've also indicated to them that no one from their corporation showed up in person to give me any loan or money. Another thing that I've mentioned to them in the Affidavit regarding the rescission of my signature is that I do not want them to sell my information and to opt me out of that, including opting out of all the rights and interest given to them by trickery and usury and they replied that I don't have that right to do that. If this was done with false and misleading practices, then I have every right to take it back. The federal reserve states that banks and financial institutions can't lend on their own money. However, according to a friend of mine who has their own financial institution that lends to other investors, in which indicated that they pool notes from depositors or investors and lend other people 's money on fractional reserve including using certain IRS forms triple dipping. Their actions are contrary to 12 USC section 1431, XXXX and Duties of banks. The most troubling piece to this by far is that I've found out through a third party that they've made millions from my signature recently and my cosigner signature in the past constantly selling the same contract over and over again without even compensating us for the use of our signatures, because without us putting our signature on that document bringing value to it, then they couldn't make any profit or interests. For this matter, I've invoked the IRS for identity theft and tax evasion and how they are moving the money around that they are stealing from consumers. They used my household goods as a way to extort more money from me other than the note ( aka ) security that they received from me. As before and after taking my consumer household goods. They've used both the so-called contract as an asset including my personal property ( aka ) household goods. This is pure greed, usury slavery/peonage, fraud in the factum, deception, racketeering, theft by stealing our interests and putting it all into a pool with other investors while moving it all into trust for their indenture trustee to manage. Charges shall be brought upon all of these criminals and I'm seeking that all of their businesses and personal bank accounts be frozen until investigation is completed. I will be also sending the most recent affidavits that they've avoided to reply upon what was being requested as evidence, including an affidavit of truth for them to sign under penalty and perjury in good faith but was ignored, which validated and indicates their fraud and deception. I've sent them a notice in regards and now they are in default for failure to respond. Tracking # XXXX XXXX XXXX XXXX XXXX Received XX/XX/2023 at XXXX. In regards to the people running Credit Acceptance with the purpose to commit fraud in the factum : to remedy this situation, the only option after violating all of my rights, for identity theft under 5 USC section 522a causing me severe damages, XXXX XXXX XXXX, invasion of privacy, selling private information to third parties without my written consent, with fear of loss of credit opportunities, losing multiple opportunities, completely embarrassing me disturbing the peace when they've stolen my property without just compensation. I'm seeking for them to remove the account from my credit profile. I'm also seeking for the FTC and FBI and IRS to investigate these matters as well for all other consumers. I no longer want to waste anymore time going back and forth with these individuals who are running these fraudulent businesses stealing money and interests from the true creditors. Something has to be done immediately about this because they will continue to violate me and others without any respect to the consumer laws or law in general. They are using Delaware XXXX because they can get away with fraud. Furthermore : I'm demanding that none of their XXXX or XXXX reach me or get involved in these matters because they have no first-hand knowledge of these matters and anything they say is hearsay. My issue is with the people who are hiding behind companies violating my rights by committing fraud in the factum, language fraud, and by deception to get wealthy. If any Attorney/Lawyer continues to help them, then this will only prove that they are aiding these individuals and they are also shall be treated as willful participants as for contributing to these actions. This is due to the fact that they know exactly what these individuals are doing but yet they participate in these illegal and unlawful actions willfully for currency. I refuse to accept anything else including any arguments from any of these people considering the fact that they waved all opportunities to cure these matters and it will only be a stalling tactic as usual. I've never even received an opt-out notice from these individuals, although I've already written to them in writing to opt me out over eight months ago but they refuse to do so. So with that said, I " demanding for the owners, representatives, board members of Credit Acceptance, including the information I've already disputed multiple times with the XXXX XXXX to opt me out : I'm demanding for this company to opt me out under 16 CFR section 313.7 Forms of opt-out notice : ( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Also to remove the disputed accounts from my credit profile immediately. Again, the documents that I've sent to the borrowers at Credit Acceptance, I will be sending the same documents to the CFPB, the Attorney General, the FTC, the FBI, and the SEC, so that charges such as conspiracy against my rights, racketeering, identity theft by misrepresentation of my information and other, extortionate credit transactions, fraud in the factum and more, can be brought up against these people. I urge the FBI and the FTC to freeze both their personal and business assets to investigate this. Furthermore : I have a private company that is doing an audit including accounting as well, so that I remain compliant. I refuse to go back and forth with them because it is a stalling tactic and no one from their company has first hand knowledge of the facts but me. No one stepped up to rebut these statements in good faith under penalty and perjury.
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: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CREDIT ACCEPTANCE CORP Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. This is a breach of contract and an adverse action for exercising my rights. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: Credit Acceptance was not creditor I signed up for. My XXXX XXXX XXXX XXXX. Was signed with XXXX XXXX. I had everything set up on auto pay during the time of the loan when I realized XX/XX/XXXX, that it was through credit acceptance. My contract is not the same with what I agreed to and signed. The car dealership that I had purchased the vehicle from must have done some type of switch with creditors?? I need to have this disputed. This is not the agreement that I signed up for and I ended up having to give the car back because the payments were larger than what I anticipated from what I had agreed to when I signed the contract. This has been false and misleading to me as the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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 regarding their unethical practices, specifically related to bullying, improper use of my credit report, and hidden fees associated with my car loan. I believe that these actions are in violation of consumer protection laws and regulations. I entered into a car loan agreement with Credit Acceptance on XX/XX/year>. Since then, I have experienced numerous instances of bullying and harassment from their representatives. They have resorted to aggressive and intimidating tactics, including constant phone calls, threats, and abusive language. This behavior has caused significant distress and anxiety, affecting my overall well-being. Additionally, I have discovered hidden fees associated with my car loan that were not disclosed to me during the loan application process. These undisclosed fees have resulted in unexpected financial burdens and have significantly impacted my ability to meet my financial obligations. The balance that is being shown on the credit report is very different from what I am looking at when I sign in the credit acceptance app. Im paying for this car two times the amount that I see the advertised price for. The internet price was XXXX. When Im checking after that time I realize I was tricked into being a failure.. Upon checking my recent credit report I see many inaccuracies and I disputed them 3-4 times with the credit bureau XXXX Each time they all came back verified and accurate. I ask for reinvestigation in another dispute and I get the same result. So now Im thinking no one is actually doing anything. Because my report has these errors. I been making a weekly payment and my balance never change each month on my credit report. I also disputed this and it came back the same while Im making these payments. I now regret getting this car and feel manipulated into a trap of messing up my credit worthiness. I have attempted to resolve these issues by contacting Credit Acceptance directly, but their response has been unsatisfactory. They have been uncooperative, dismissive of my concerns, and have failed to provide any reasonable solutions or explanations. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Credit Acceptance. I believe their actions are not only unethical but also in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A