Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company is reporting that the account is 60 days past due when it is not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not a duplicate complaint. My name is XXXX XXXX XXXX and I am submitting this without any influence from a third party or agency. Please see attached documents as it contains my full complaint and requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. I contacted credit acceptance on XX/XX/2022 for a debt validation response however credit acceptance failed to respond back to me. attached is the letter. I also contacted XXXX with multiple debt validation letter in which on XX/XX/2022 XXXX stated my account was properly investigated from the dispute of Credit Acceptance Corporation XXXX XXXX XXXX In which i submitted the debt validation verification on XX/XX/2022 but how is that possible if the open date is inaccurate, the last date reported is inaccurate, the date last active is inaccurate, the date of the last payment is inaccurate these are multiple violations and this is a ground my removal under my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : according to fcra any furnished info can not be used without my written instructions. Also the credit acceptance and experian is taking or took more than 30 days to my debt validation investigation letter from that I submitted to Credit Acceptance Corporation and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
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: I filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On July 29 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. The vehicle broke down the same hour I pulled of the lot and was diagnosed by XXXX XXXX the following day and was determined that the transmission needed to be replaced for XXXX! The warranty company came out and denied the claim saying that the dealership must have know about these pre existing transmission issues. The dealership has refused to give me my money back and has provided no assistance whatsoever!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have a 2011 XXXX XXXX finance by credit acceptance I went to trade this car in for a newer model car but they wouldn't take the car as a trade in I called credit acceptance and ask them could I make a lower payment to keep the car cuz I didn't want a repossession on my credit score so they agreed to let me pay less than the monthly amount due because now I have two car payments but they're not reporting it to the credit department that I'm paying them anything so I look like I'm just in default payment for {$9000.00} when I've been paying on it weekly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the Fair Credit Reporting act XXXX CREDIT ACCEPTANCE Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions this account is reporting open and closed at the same time, how can that even be possible account is report 120 days late and also 180 days late at the same time, how be that be this you your violating my rights Account is reporting inconsistent and inaccurate information you are alleging the negative claims still yet have NOT provided proof of truth, correctness, timeliness, and or else wise adequate COMPLIANCE to all laws protecting consumers. I HAVE CONTACTED THIS COMPANY NUMEROUS OF TIMES TO RESOLVE THIS PROBLEM AND THEY KEEP CHANGING MY CREDIT REPORTING EVERY COUPLES WEEKS BUT NOT SOLVING THE PROBLEM I HAVE ALSO REACHED OUT TO ATTORNEY GENERAL PLEASE REMOVE ENTIRE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: On Saturday XX/XX/2022 Credit Acceptance Corp contacted me via email and via website at XXXX in attempt to collect a debt. That is a violation under 15 USC 1692 c ( a ) ( 1 ) and 15 USC 1692d and is a fine of {$1000.00}. I have screenshots from Saturday XX/XX/2022 at XXXX of the time the notifications via email and the message sent via website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit Acceptance is mistakenly reporting payment history and a balance on my credit. A settlement was fulfilled and has not been updated properly. Please update and delete this account from my credit please. Please see the attached proof of payment and settlement offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XX/XX/XXXX, I finance a XXXX XXXX XXXX through the Credit Acceptance Corporation. By XX/XX/XXXX I had called the Credit Acceptance Corporation to request that they come and take the vehicle because I would no longer be able to make payments due to ongoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance considered the vehicle surrendered and subsequently put the vehicle up for auction where they sold the vehicle for roughly {$1800.00}. In the summer of XXXX I got a letter from Credit Acceptance stating that they were going to report to the credit bureaus that I still owed {$5000.00} on the debt and the XXXX would remain reported to my credit report in default as a collection until it was paid in full or until it was too old to be reported to the credit bureaus. Between the years of XXXX and XXXX I contacted the collections department at Credit Acceptance in writing to explain the situation as to why I had to surrender the vehicle like I did and I asked the Credit Acceptance Corporation to take a deeper look into the processing of my loan application and approval for the loan to determine if I was actually eligible when I was initially approved for the loan of the vehicle. I also made a complaint to the FEC to be able to determine whether Credit Acceptance had ethically " vetted '' me for an auto finance loan under federal law and regulation. Credit Acceptance responded to two different inquiries regarding the status of my loan in collections by writing. In the letter that Credit Acceptance sent to me in regards to the complaint made by me to the FEC, Credit Acceptance was adamant as of the Year XXXX that the only time that the debt would be considered satisfied is if I paid the {$5000.00} in full or the age of the collection item was too old to continue to be on my credit report and at such time it would end up falling off of my credit report. In XXXX I was working with XXXX XXXX on credit repair and it was noticed that the {$5000.00} being reported by Credit Acceptance between the years of XXXX and XXXX had been removed from my credit report. Based on the correspondence from Credit Acceptance itself that I had received in writing, and based on the age of the delinquency of the {$5000.00} that Credit Acceptance alleged I owed them, it was believed that the item fell off my credit report because it had remained on my credit report for 7 years. In XX/XX/XXXX, I received a notice from the IRS stating that in XXXX, Credit Acceptance had reported that they had forgiven the {$5000.00} of alleged debt and the IRS is now proposing that I pay taxes on the alleged forgiveness of the {$5000.00} alleged debt that was allegedly forgiven by Credit Acceptance the same year it was due to fall off my credit report because of the age of the collection, XXXX ( 7 years ). I tried to contact Credit Acceptance and ask them about this because I never received a 1099 form or any other information pertaining to any alleged forgiveness of the {$5000.00} in debt. When I asked a collections representative at Credit Acceptance for all written records and correspondences between myself and Credit Acceptance between the years of XXXX and XXXX, I was told that I would have to put that request in writing and send that request via social Service to Credit Acceptance headquarters. I believe that Credit Acceptance acted unethically. In their own writing to me Credit Acceptance detailed that the debt would be removed from my credit report only if I paid the alleged XXXX owed in full or until the debt was too old to be on my credit report. It is a shock to get a notice in XXXX that Credit Acceptance reported to the IRS that they forgave {$5000.00} regarding the XXXX XXXX XXXX that was repossessed by Credit Acceptance in XX/XX/XXXX. I have launched a XXXX XXXX XXXX complaint against Credit Acceptance for this and I have also contacted my local Vermont Department of Legal Aid. I have also contacted the office of United States Senator XXXX XXXX whose office has taken interest in this issue and the ethics & legality of this matter and the issue of whether a corporation can forgive a debt, even if the debt has already been reported your credit bureaus for 7 years and has exhausted is right to report to the credit bureau as a delinquent debt. I ask that the Consumer Protection Bureau look into the matter to see if Credit Acceptance acted in a predatory manner in regards to how they allegedly forgave the debt and reported it to the IRS in XXXX, and whether it was legal for Credit Acceptance to forgive the alleged {$5000.00} that was suppose to fall offy credit reports due to the fact that the alleged that a XXXX was on my credit report for 7 years. Can a corporation have its cake and eat it too? In other words, is it legal and ethical for a corporation like Credit Acceptance to take a very delinquent debt that is supposed to fall off a credit report due to the age of the debt and just before the stroke of midnight or after the stroke of midnight, they " forgive '' the debt right before the debt falls off the credit report of the consumer- and the consumer is left holding the bag after their credit has been ravaged for 7 years by the debt already? Thank you for taking the time to look into this matter. I will provide as much documentation as I can if requested. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A