Date Received: 2022-08-20
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Vehicle was repossessed by company on XX/XX/2022 without notice of default letter & threatening to move and sale car. Especially when I told them I just was released out the XXXX with XXXX. Not allowing a reasonable redemption payment, asking for half the payoff amount.
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: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
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: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2022 Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : ACCOUNT # XXXX To whom it may concern : Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 Sec. 809 ( b ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character If your office can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I am also requesting, in writing, that no telephone contact be made by your offices to my home or place of employment made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c Sec. 805 ( c ). If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. Please supply the information below : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. This is a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of 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: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: After being solicited by a dealership from a " Happy Birthday email '', I secured a deal ; however the warranty listed XXXX months. 3,000 miles were given by the dealership. I took the vehicle to the dealership several times for them to assist and " check '' to ensure no major problems. The service manager reassured me up until a few weeks before the car was diagnosed with a transmission issue. With the dealership being 30 miles away. The car was towed on XXXX XXXX, and has been stored until 2,400 worth of labor can be performed. I purchased the extended warranty for 1,266.00. The company refuses to fix the vehicle at its current mileage which is over 61 miles over alloted. A certified letter was sent to the company directly for a resolution. No late payments were recorded until XXXX ; however payments have been rendered despite the vehicles ' storage at the dealership. As a result of reporting from the loan company ; the chance to trade the vehicle with the dealership was denied. A credit report was pulled by the salesman ( without permission ). The salesman stated he was going to see " what was going on with the vehicle ''. He came back with a credit report check document. No further assistance has been provided nor contact from the dealership. After the vehicle fail I did further research and read customer XXXX reviews ; I noticed several customers had a similar experience, and I learned of a federal lawsuit previously brought forth against the loan company. I did not know that this particular dealership was a : XXXX XXXX " everybody rides '' ad within the email. This particular slogan is on local radio and tv stations with the notion " everyone gets approved ''. In the soliticitation email that ad is not stated. I entrusted the dealership to ensure qaulity sales, and products. The vehicle failed at 9 months almost exactly at the correct amount of mileage exhaustion. I also have enticing, and XXXX XXXX text messages from the service manager ; after it was his determination I was not going to let them manipulate me into beleiving they were being professional since signing. In fact, his actions led more to a situation in validating my opinions of business both inside the office, and inside the service area. During the siging period, I was asked if I was " nervous '', and the statement was made that this would " help my credit alot ''. I was confused because my credit was fair at the time as a widow. I invested almost XXXX into the vehilce before the XXXX XXXX failure. After a 600 mile spring break trip, the car malfunctioned tremendously. I had to probe the salesman and the service manager for the final verdict on the car 's diagnose. Still not clear. They can not answer the question, limiting fair trades with competitor lots in the local area. The car was purchased post COVID SARS II.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I open this account with credit acceptance in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with credit acceptance and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had my identification stolen and someone was able to take out a auto loan by credit acceptance in my name for years ago I tried to dispute it with XXXX by releasing a copy of a police report and XXXX and credit acceptance refused to take the car loan off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I signed a contract with Credit Acceptance to buy a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX found at XXXX XXXX XXXX XXXX XXXX, MN XXXX. It was a very high-pressure sale and i had no real knowledge of buying cars with liens attached. I was easily misled and rushed into signing a contract that i expressed repeated dissatisfaction with. i was clear about my goals and intentions entering into a contract and i even tried to return the car the very next day after purchase. I eventually accepted my situation and continued to make my payments on time every month. I have been looking through my contract and found a couple of issues. in light of section XXXX MN statues XXXX XXXX the APR cap for MN would be 21.75 % and I currently have a 22.99 % APR on my auto installment agreement which is also above the XXXX of XXXX percent tolerance for accuracy pursuant to 12 CFR 226.13 ( G ). In addition to this Billing Error, I was never given the opportunity to purchase Bodily Injury and Property Damage insurance though Credit Acceptance. in accordance with 15 USC 1605 ( a ) and ( c ) this would be inaccurate as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On Friday, XXXX XXXX, 2022, my home was struck by lightning which started a house fire. As a consequence of the fire, my family and I were left XXXX and living at a XXXX. On Monday, XX/XX/2022 at XXXX XXXX EDT, I spoke with a representative of Credit Acceptance and explained the situation. I told them I would make a payment as soon as practicable. Later that day, robocalls and direct voice message calls began occurring from Credit Acceptance. On XX/XX/2022, I was advised to monitor calls made by Credit Acceptance and note the time and date. I was also advised to inform them again of my situation and clearly state that with regard to the Fair Debt Collection Practices Act, they should not contact me again for at least seven consecutive calendar days and to note the time and date of this conversation. Between XX/XX/XXXX and XX/XX/2022, Credit Acceptance placed thirteen calls to my phone, twelve of them occurring between XX/XX/XXXX and XX/XX/XXXX. I spoke directly to a Credit Acceptance representative on XX/XX/XXXX at XXXX XXXX EDT, once again explaining our current hardship situation. Calls began again at XXXX XXXX on XX/XX/XXXX, less than 48 hours later. On XX/XX/XXXX at XXXX XXXX XXXX, I placed a call to Credit Acceptance and notified the representative that Credit Acceptance was violating the Fair Debt Collection Practices Act by willfully harassing me through sheer volume of calls, as well as placing repeated calls well within the seven-day window following a discussion about the debt. The representative stated that I would continue to receive calls until I paid the debt because it was how their system was set up and that it was company policy. I informed the representative on the recorded line that if I received another call in fewer than seven days, I would be lodging a complaint against Credit Acceptance. On XX/XX/XXXX at XXXX XXXX, I received a call from Credit Acceptance. I notified the representative that the call violated the seven day clause of the Fair Debt Collection Practices Act 12 CFR 1006.14 ( b ) ( 2 ) ( ii ) and that I would be filing a complaint immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022, I made a XXXX report because this company has fraudulently doctored account ledgers, added more payments to my account that I dont owe and have been falsely placing things on my credit. They told the XXXX I missed a payment for XXXX but the last 3 reps Ive spoken to in the last 2 weeks minus tosay, have all said I missed XXXX & now theyve stuck to XXXX anytime I did speak to someone about this issue. They provided the XXXX with a payment ledger they only provided me after weeks of asking and what they have does NOT match my bank statements from when Ive made the payment. The XXXX got the proof of payments Ive sent and when I tried to fight it, they said I didnt have a claim. Ive reported credit Acceptance to the 3 bureausXXXX XXXX XXXX and XXXX and all 3 bureaus REFUSE to validate the account and say that its accurate even with me proving proof that its not. I have been unfairly harassed by the people in this company and they have been falsely putting late payments on my credit. Theyve called me 6 times today & its only XXXX as of XX/XX/2022. I want this harassment to STOP immediately. I want NO contact with this company. They are CONSTANTLY calling me from different numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A