Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 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: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am requesting a copy ( dated ) of every communication that was sent via mail and email to me on the alleged debt. I would like verify the validity of the this debt, any corresponding charges and ledger on this account. I would also like a copy of ALL documents related to the signed contract for this debt and any contract between the collector and the company who performed the repossession. These documents will need to be dated with the address to which they were sent. This company has provided me nothing, filed lawsuit and pursed garnishment without providing me the opportunity to validate any of this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52402
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XXXX I canceled products that were I were told were needed in order for me to receive the car loan from XXXX XXXX XXXX ( Warranty and Gap ). The products were cancelled to bring the loan up to date and during the process of waiting for Credit Acceptance to receive the money they came and repossessed the vehicle and took the money from the cancellation fees. They never called me and told me where the vehicle was and my possessions were never returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I cosigned for a used vehicle un XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who used Credit Acceptance Corporation after 1,2 or 3 months XXXX XXXX of not making the payment Credit Acceptance continued to allow them to get further behind until it was XXXX behind once the XXXX XXXX XXXX was repossessed i retrieved the car & have not missed a single payment since however since then I have learned how they targeted a low income family by selling them a used car at a new car price they also have been charging an unfair interest rate late fees and they have also settled 3 class action law suits in New York Michigan & Missouri for the exact same reason they also charged XXXX to email paperwork from XXXX XXXX to Credit Acceptance Corporation bringing the financed price from XXXX to XXXX i would also like to add i never seen the car before signing however I honestly believe it was possible only worth XXXX or XXXX XXXX there is so much to say however i will stop here for the moment Thank You XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74501
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit Acceptance, Regard : Overpayment. {$10000.00} ( not including interest ) My first contact with Credit Acceptant regarding overpayment was on XX/XX/XXXX, sent to the Board of Directors for review. I did not get a response. Addressed to XXXX XXXX. The dates are as noted, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received an update on my previous request to reduce the payoff amount and interest rate, due to overpayment. I am forced to be under a new payment plan. I have kept up with my payment agreements, and I would like to ask that you reduce the vehicle 's payoff due to the vehicle 's worth being around {$1500.00} and the high interest rate is at 23.02 %. I suggest that the vehicle 's resale value is less than the payoff of {$8700.00}. It should be reduced, along with my interest rate, monthly payment, and payoff value. I am looking forward to your immediate positive response to my concerns regarding my overpayment several times. I have provided you all with ample proof of the overpay. I have mentioned overpayment, and it was ignored in XXXX, several letters were sent out and no one would address it ( XXXX XXXX of XXXX ). XXXX XXXX, no one at the organization could reach out to you today when I returned your call. I would like my account to be resolved by Friday, XX/XX/XXXX. XXXX XXXX, there is nothing on the website that states to email the BOD. Please forward this to all management. I also, hope that you have addressed my concern regarding XXXX behavior. Per your request, you asked me to find proof of the vehicle 's value to show that the vehicle was not $ XXXX. As I stated the cash value was down to $ XXXX. I do have proof of the attachments to show that my vehicle was paid up. I did question the document and it was stated that was the financed option. Please fix my account as promised. As I have discussed with you regarding my conversation with XXXX XXXX, she stated that she did not get the fax on XX/XX/XXXX, and secondly, she needs more " proof '', that I have requested a review for overpayment in the initial stages of the loan. Although she stated I did not need to resend the information that she did not get, she would need more information. My response was that I had provided you with everything. XXXX XXXX XXXX stated that XXXX of her calls that we reviewed. I was asked if I needed any other assistance. According to her, my response was no. Why would I have to repeat an already escalated dispute that a lower-level employee would not be able to address? I am requesting my overpayment ASAP! Thank you for allowing me to continue my request since XXXX XXXX is no longer employed. XXXX XXXX XXXX, I am due for a refund and quick repair to my credit report. I have provided all the information required. I did the work for the CA staff. If they had addressed my concerns at the inception of the loan, at the purchase of my vehicle and I sent emails to XXXX, and no response. I sent several letters stating the contract was incorrect. You stated that If I find proof you all could fix it. So am asking you to fix it, please. Immediately. I am attaching proof. Make note payment arrangements were made as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are the individuals that I have spoken to regarding my account. Rep Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am writing this complaint because Credit Acceptance is taking advantage of my rights. They keep calling and harassing me and placing my car into repossession. I am facing hardship right now and advised the company of my situation and they still placed my car under repossession. I also looked on my credit report recently and noticed that they are illegally reporting information on my credit report, and it need to be removed immediately. Under 15 USC 1681e ( b ) it states this ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) treatment of inaccurate or unverifiable information. This information needs to be deleted from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: After being fraudulently entered into this car loan which I informed credit acceptance of, Credit acceptance continued to proceed with the loan and its terms. Persuant to 15 USC 1635 your company have violated multiple laws required by your company such as, Disclosure of the consumers right to rescind a contract in which a security interest is or will be retained. Providing Rescission forms for the consumer to successfully rescind a contract if he/she so desires. Many more finance requirements that were not explained or disclosed that will be added to my civil suit. Persuant to this section of the law you are required to rescind this fraudulent contract and refund all moneys paid out including, but not limited too any down payments made. The law also states in section ( g ) of 15 USC 1635 : ( g ) Additional relief In any action in which it is determined that a creditor has violated this section, in addition to rescission the court may award relief under section 1640 of this title for violations of this subchapter not relating to the right to rescind. 1640. Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; As a second time Credit acceptance customer Im 1000 % positive that I can prove a pattern of violations on credit acceptance behalf, as you guys even repoed my last car after it was paid off according to the law, that classifies as theft, being that our whole contract was fraud. With pain and suffering from this vehicle almost killing me and my children, because of it being an unroadworthy vehicle. Breaking down twice since taking it off the lot, the first time being the same night of purchase and never working pass 15days. Having to lose my job due to not having a vehicle and using all of my savings to take my children back and forth to school in XXXX and on the City bus, Im sure a jury would be very generous in there verdict. I have sent this letter to XXXX XXXX as I am suing them also for violations, fraud, deception, breach of contract, etc, Just As I am filing civil charges against your company. I am including a notarized affidavit of truth from the gentleman I informed your company ( Credit acceptance ) of that XXXX XXXX asked to sign the loan agreement in my name when I stepped out of the building to get separate insurance from their personal insurance person. Which reminds me of another violation as the insurance was not included in the Sum of all charges amongst other things Dear Credit Acceptance, Persuant to 15 USC 1635 I hereby exercise my right to rescind the Finance contract that was fraudulently entered into between XXXX XXXX XXXX, Finance company Credit Acceptance, and Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Hereby revoke all of my signatures that have been placed on any documents. I demand that you Cease and desist all actions pertaining to myself XXXX XXXX and your company. You have 14 days to respond as I will be swiftly filing my complaint. Sincerely, XXXX XXXX XXXX : CFPB Cc : Michigan Attorney Generals Office Cc : XXXX I have XXXX mailed all of this information on notarized documents to credit acceptance headquarters. I will upload the postal receipt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX, any financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX, CREDIT ACCEPTANCE, XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit acceptance is a fraud company, they used lemon car companies to add extra charges. I returned car after 30 days due to motor blowing and they have put entire car price on my credit. They have been sued multiple times for these very same practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX i made a payment. Payment was reverse. I made a payment on XX/XX/XXXX to correct the payment that was reverse. Creditor still reported payment late on my credit report. These four dates are showing late on my credit report. I did a payment arrangement with creditor they fail to let me know that the arrangement was going to affect my credit report. I paid each month that creditor and I agreed on. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A