Date Received: 2022-05-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I'm a single working mother of XXXX young school age children from XXXX XXXX and I need help! I financed a XXXX XXXX XXXX from a car dealership in XXXX XXXX I financed this car in XXXX. The payment were {$500.00} per month for 72 months. I traded in a car XXXX XXXX XXXX XXXX and {$9000.00} was applied towards the purchase and had I still to come out of pocket $ XXXX was making my payments for 3 month, I got behind one payment ( XXXX month ) they following month I made 2 payments in the amount {$1000.00} to try to get caught up on my payments. I made my payments through Credit Acceptance and the payment were accepted. However, I was current on my payment after paying the 2 payments totaling {$1000.00} and my car was repossessed with all of my belonging inside. I was informed by the car dealership that I would have to pay {$800.00} to the dealer, pay {$250.00} to the towing company and {$75.00} for my personal property before they would give my my car back. I did not have this extra money to pay because I has already given them {$1000.00} and the next day they repossessed my car. The company has since gone out of business and/changed names. This company has place this debt on my credit report and ruined my credit. I believe the new name of this dealership is XXXX. Please, Please Please Help me or direct me to who can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX I reported this company for many issues. Since the report with your Bureau, the company has contacted me but had no resolution, but I requested to be removed from the loan and this still has not happened. To date I was not removed from the loan. All documents for the car ( Registration, Insurance, and title are in the owner 's name ) as it is supposed to be, but I remain on the loan. I am submitting this complaint because I would like to be removed from the loan. There is no reason of why I should be on the loan. The owner of the car has tried to contact the company on many occasions in attempt to ask them to remove me and was unsuccessful. As of date the car has been in my name for six - seven months and I would like to be removed from the loan ASAP. I do not need the company telephoning me to get information, to help them respond to you. I need them to remove me from the car loan they can call the owner for the vehicle, and converse with him. I prefer not to receive any mail on this matter either. They should respond to your company, the owner of the vehicle, and to the credit bureaus only.
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: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: ****NEW AND UPDATED INFORMATION REF XXXX The company has admitted to being willfully noncompliant to the FDCPA and Truth In Lending. I will be addressing multiple violations within the contract and response provided by Credit Acceptance. First, FEDERAL law says you have to RESPOND to my debt validation letter as well as my cease and desist, in which you have failed to do and you are showing that you are willfully being noncompliant with FEDERAL law. Second, Credit Acceptance is a debt collector as defined by the FDCPA, you sent monthly statements to my email implying that I owed a debt.. which is the definition of what a debt collector ; please reread the law. Third, 15 USC 1635 says that the consumer has the right to rescind a transaction in regards to ANY consumer credit transaction. You FAILED to provide me with my right to rescind pursuant to the Truth In Lending Act which constitutes fraud. You have also failed to disclose that pursuant to 15 USC 1605, my insurance could've been included in my finance charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
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 a complaint with u guys about the improper reporting of information on my credit report by u guys and received a response basically ignoring my most important complaints and saying basically its not ur fault. My complaint was not a matter of my account being mine or not. I never once said I'm disputing this account being mine. It's about all the misinformation in my account so you clearly didn't read my complaint. I asked for u to investigate every piece of info on my account and send a pdf with all the improper info.. Now I'm glad to hear that you've apparently investigated the info you've submitted to the credit bureaus and verified it as correct so I can have more proof of complete disregard to the proper reporting of my report to the bureaus. Please review the attached document that I send with my previous complaint with all the highlighted mis matched information on all bureaus which when I call they say its furnished by you guys and that only u guys can change it. You're literary reporting wrong information XXXX cant believe you even said you updated my account as " 180 days past due '' when it's in collections! An account in collections CAN NOT! be past due! You claimed that I haven't made a payment since XX/XX/XXXX. Which is also wrong according to the information you've reported. I haven't made a payment since XX/XX/XXXX according to my report. You don't even have the proper information! What kind of investigation did u conduct? And since my last payment on XX/XX/XXXX, you reported my account late for 15 months till it was finally charged off, closed, and send to collections in XX/XX/XXXX and was being reported as in collection since XX/XX/XXXX to XX/XX/XXXX. Thank you for giving me more proof that you don't even have your information correct and if XX/XX/XXXX is the day I made my last payment which I know for a fact it isn't then you've just given me more proof that you're furnishing wrong information on my report. Either way, you're in violation. How did you do a proper investigation when none of the info on all credit bureaus match? IF u guys did not furnish this improper information, then I need a copy of what the proper information is with proof. you were supposed to investigate all the mis match information reported to all the credit bureaus. The misreported information is Late payment, Payment Status, Worst payment status, account status, times XX/XX/XXXX late, date of last payment, late payments. How did you come to the conclusion that the info on my report is accurate when this information isn't the same on all bureaus? You're the only collection on my report which is not reporting the same info on all three bureaus so dont blame the agencies. I'll list all the violations you guys have made against my account and please explain to me how you haven't done any of them word by word instead of saying your investigation revealed it not to be true. First violation, you went from reporting an account as in collections for three Years since it got put in collections, which Is what you're supposed to do, to then suddenly reporting this account as late payments for 24 months which caused significant financial damage to me and under the FCRA for this improper act I am owed {$1000.00} per violation which is every single month you've reported an account in collection as past due instead totaling {$24000.00} for each month in the 24 months you've misreported it. The only time an account should be reported as past due or late payment, is when an account is open. You are blatantly violating the FCRA. How can you go from reporting my account as in collections to etc days past due? I need a thorough explanation as to why you did that. Which brings me to the second violation, you're reporting this account as open when it is charged off and in collections. Another violation, Under FCRA its a violation for creditors to supply information to a CRA that it knows or ( should know ) is inaccurate. I send a pdf with all the highlighted mis matched information in my last complaint, instead of calling the credit bureaus and fixing these errors, you blatantly ignored it and just informed me that it is not your fault if the bureaus are reporting wrong information when it is your fault as you are the ones furnishing this info to the bureaus but regardless of that, you acknowledged the errors, and failed to act on it by sending proper info to all bureaus and let my report have mis match information which is an extreme violation of my rights under the FCRA and of your duties as a CRA. Word for word in the FCRA. " If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer '' You did not even attempted to update the information on my file with the bureaus in which you report you and I send documentation highlighting every mis match information. I'd love to see how you're going to explain that. I asked for a reinvestigation of every piece of info and stated what's incorrect and you did absolutely nothing about it but blame the bureaus when its your job to report the proper info to them and ensure there no improper info on my report because that makes u liable for violating laws under the FCRA of ur duties as furnishers of reports to cra. The fourth violation, under the FCRA, after a consumer files a dispute, you're supposed to stop reporting all information thats been reported as inaccurate by the consumer till the end of your investigation. Which you did not. Again, I send a highlighted document with all the wrong information and you were still allowing the bureaus to report it. Under section 611, I have the right to dispute information I believe to be incorrect or unverifiable and if the disputed information can not be verified or confirmed then it must be removed. As per your response to my complaint, you acknowledged the reporting of inaccurate information and said you can't control what the bureaus report which you can as its your job to do so and if the info is incorrect, its your job to tell them that. A proper investigation by definition under the FCRA was CLEARLY not done and anyone with a brain and eyes and under the court of law would see that if they saw all the misreporting on my credit report. Now since the violations I stated are wrong, please explain to me with verifiable proof how I am wrong and you are right or remove this account immediately and I am requesting financial compensation for every single violation. I will also be filing a report with XXXX, XXXX and XXXX to ask them for verifiable proof of the information you've submitted to them since it's apprently their fault according to you that their is mismatched information which you cared less about contacting them to fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: hello good morning I am making a report of this car diler XXXX XXXX XXXX I buy this vehicle when they did not have to sell it because i make investigation it is a car that has been repossessed, and I had I almost turned in this car with my daughter we could have killed ourselves by the freaway, since my daughter was nervous because of the accident whenever we go in my car husband she is frightened by any noise the car makes, in the first month it broke down and they do not give me any solution, the diler lied to me, and neither the bank, nor the guarantee give me a solution
Company Response:
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I settle with this company, accordance with fair credit reporting act XXXX credit acceptance corp XXXX violated my rights. 15 u.s.c 1681 section 602 states i have the rights to privacy. 15 u.s.c 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish account without my written instruction. I would like it to be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: 2018. I was a co signer on the car.i did not know this would come back on me.i called after he left my home with the car I called credit acceptance to explain but they had attitude. I asked to locate the and bring it to me I'll will pay XXXX a month.they said no I need to start paying now.this is not my fault seems he is putting this on me.i have been paying on my credit trying to fix it.i never had the car nor drove it.please help me remove.i am now trying to get a car but I can't because of this is hurting my score this is an ex I learned my lesson but he can't do this.i can't work intile I get a car.im a single mother and I'm starting to believe he never cared what damage this has done.please I'm doing everything I can but that alot.i have been trying to fight this on my own I know longer can I need help again this is not my fault I can not believe this is on me and not him.please please no I will not give up cause if u look I'm determined to get a car so I can work I have kids and we don't do anything because of this.please I don't deserve this at all that's alot of money..never will I do it again nor have a co signer for my self ever.ill take my chances on my credit. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 477XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
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 an 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: KY
Zip: 415XX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A