Date Received: 2022-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Im harassed by somebody trying to serve me leaving notice to sue on my door every other day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I paid a credit acceptance included and call them the day they supposed to close it and now it's affecting my credit and they need to move me another car
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The auto company credit acceptance corporation is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Was overcharged for vehicle with unfair and deceptive and predatory lending tactics. Was given an APR rate which exceeds the legal state limit. Contract was not explained to me nor was I aware that I was paying hidden fees which sent me into debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
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 XXXX XXXX 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 15 U.S.C 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: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Today as I was trying to apply for a mortgage it was noted that I have late payments being paid to credit acceptance For my Car note I am in a payment arrangement with them but tht are reporting to the credit bureau that my payments are late and it is hurting me with trying to purchase my home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Lost job, unable to pay, had wreck that was was not my fault, car moved to company, outstanding balance to repair, i didnt have any money, amount on credit report XXXX credit acceptance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: They lied and said they did not know where the car is but repoe the car after I gave them XXXX rollers down payment credit acceptance corp and XXXX XXXX XXXX XXXX I got a letter 9 months after the fact they had the car then tried to impersonate me trying to have me pay XXXX for a car in the body shop that wasnt mine they said it did not go straight there the dealer said they were trying to make a quick Buck out of me when I brought up a lawer credit acceptance corp and XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have recently contacted company to get late payments removed from this account. The account is an Ex-boyfriends and due to his pride he did not reach out to me for help when I wouldve been more than happy to help. Credit Acceptance did not reach out either when all my contact information was provided. I reached out to Credit Acceptance on more than one occasion to get a paper mailed to me to ask them to remove it and was never sent that letter. The lady also stated that it should be removed because of the lack of communication on their side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I went to a buy her pay her in XXXX. I had no money down and dealer wanted a deal. He put that I had a down payment of XXXX on a XXXX XXXX XXXX. the payments was XXXX math. was making payments. all of a sudden car starts falling apart. rust and water damage let truck start falling apart start to complain he said I'm not in warranty. I gave them back there car and the auction the car for nothing now. now the want more money ... and it's damaging my credit report. please help remove thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A