Date Received: 2022-10-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The company is violating my privacy by reporting late payments to the credit bureaus. In XXXX I submitted a complaint to the company about the vehicle, I have drove this vehicle a handful of times. The transmission went 3 times and then the engine. I no longer have their vehicle as it was junked. I never signed MY SIGNATURE on any documents! I have tried to contact the company several times to remove any late payments and lower the amount but instead the only care about adding on fees and charging more money on to the loan. A car that was worth XXXX is now up to XXXX. During XXXX the CARES ACT was provided no company was to report or add on to bills and this company was still adding on late fees and reporting late payments to the credit bureaus when I was not even working and sick. Ive tried to come to SEVERAL AGREEMENTS with the company and so they care about is the vehicle! Im ready to take legal action now because now this has been over 6 years and still adding interest and I have been trying to make payments and yet they do NOTHING to work with people!!!!! I will no longer pay and I will have my attorney fix it unless they are willing to send in to the credit bureaus a letter to fix late payments!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02891
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXi got a letterbf said date saying my XXXX XXXX XXXX due to globle warning the chip is in default .i called XXXX dealership .explained .made an appointment .said ( ( WE CAN TRADE YOU ANOTHER CAR IF ON LOT SAME YR.BUT DIFF.MODEL .UR PAYMENTS AN BALANCE WILL BE TRANSFERED OVER ) ) i get to my appoint .young lady said we just need to do a follow up .can i open my XXXX credit report..45mins later she comes back saying YOU DID NOT QUALIFY FOR FINANCE FOR A NEW.VEC..i never ask for. A new. Car nor fanince..days later in my credit report HARD INQUIRES .with XXXX XXXX all fall under different names.i emailed 3 latters to XXXX ..no respons
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: credit acceptance corp is a lemon for cars. i bought a used card from them its was a LEMON didnt run properly too much work it wasnt even 10 days they told me to return the car n it will not show up on my credit i believe them very gullible young lady they came pu car n reported it as a repossession but i turned it in i paid of the difference credit acceptance it will be removed they Lied its on my credit as CLOSED unexceptable should be REMOVED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with Credit Acceptance and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/XXXX with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from Credit Acceptance Co. mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX XXXX the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XXXX our vehicle was deemed a total loss. Credit acceptance was to provide the payoff amount so the loan could be paid in full. After they provided the payoff to XXXX, there was a remaining balance because of the cancelled automatic payment ; this was I unbeknownst to us. I received no notification that our payment wasnt processed until it was reported as late on my credit report. I called and spoke with them to understand what occurred. After speaking with them about the cancelled payment. XXXX XXXX informed us that they changed the company who was providing their payment processing while we had a pending payment in queue to be processed. This change in payment providers resulted in an automatic cancellation of our scheduled payment. These 2 occurrences were out of our control. We were not at fault for the accident or the late payment but, are being penalized for it. My credit score dropped to an unsatisfactory range and I am no longer eligible for a home loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 15 U.S 1605 DETERMINATION OF FINANCE CHARGE : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. CREDIT ACCEPTANCE CORP XX/XX/XXXX UNTIL XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XXXX, I financed a vehicle, a XXXX XXXX XXXX with XXXX miles on it. My monthly payments are {$920.00}. The field I was in, was able to take care of that monthly payment. But my contract is for 66 months at $ XXXX {$970.00}. In XXXX thats when I got laid off and soon after the pandemic happened. I couldnt find work. And I fell behind on my payment. I still have the vehicle to this day. Ive tried to ask for a deferment so my account isnt in delinquent. I make {$600.00} biweekly payments. During the year of the pandemic I wasnt employed. So I became more delinquent. I would said 10 or 11 months delinquent and I still had the vehicle. Now they call me telling me I have to pay {$11000.00} to bring my vehicle current or repossession will take place. I am struggling. I lost a child during the pandemic and it wasnt easy getting out of my situation. My interest rate is about 22 % or more. I am from the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 865XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I entered into a consumer credit transaction, on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX I realized back in XX/XX/XXXX, I was violated in a few ways, I'm listing here, As I said a consumer credit transaction, ( 1 ) rushed ( robo signing ) ( 2 ) no rescission documents of any kind ( 3 ) no mention of my right to rescind the agreement ( 4 ) Consumer Credit Transaction does not include any payments in cash value ( 5 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A