Date Received: 2024-01-09
Issue: Repossession
Subissue: Company communicating payment assistance or payment extension options
Consumer Complaint: The company is harassing me through emails and phone calls. I am not authorized to pay this company and they are constantly emailing me for a debt I do not owe. Im tired of being harassed for a debt that my deceased husband owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Accordance to the fair credit reporting act these creditor Credit Acceptance and XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy. 15 USC 1681, section 604a section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open and consumer credit plan as late of any purpose. ( 1 ) Credit Acceptance : Shows as if I have not been making payments, payments on time and that Im behind 24 months of payment which is not true. Ive call about this matter. Nothing has not change on my credit report. Credit report shows XXXX of XXXX until now I have not made payments ETC ( 2 ) XXXX : ( original creditor : XXXX XXXX XXXX XXXX ) During this time. I was XXXX From XX/XX/XXXX to XX/XX/XXXX Which shows and means I was a XXXX of the state. All medical and medications was covered and Insurance by the state. Also this is over 2yrs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: So I got a car approved through credit acceptance and I ended up going to XXXX. When I was released I had no car. I found out the car was stolen and wrecked. I later found out some towing company had it and wanted me to pay over XXXX just to get it out. Later found out it was auctioned and yet credit acceptance knew and kept wanting me to pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49048
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I must inform you that the contract you have provided contains several red flags that may indicate fraudulent activity. As a consumer in a common law jurisdiction or a state XXXXXXXX XXXX XXXX, i have certain rights that are protected by law. You have not provided how the car was taken in peace during repossession? And I have provided evidence on how it was not. You have not provided evidence on why you have inaccurate information on my credit account? If a repossession was not taken in peace, and there is no evidence to prove it was taken in peace was it really? Especially if I have provided physical evidence through photocopy to you via email, on how it was not done in peace. . the contract does not provide adequate information about the vehicle being sold. For example, there is no mention of the vehicle 's history, its condition, or any other relevant details. As a consumer, i have the right to receive accurate and complete information about the product you are purchasing, but this contract fails to provide that information. Lastly, the contract includes a clause that allows the seller to assign their rights and obligations under the contract to another party without my consent. This goes against the principle of mutual agreement, as I have no say in who the seller decides to transfer their rights and obligations to. The seller has been sending me improper redemption letter. here are some red flags that suggest the letter may not be in compliance with admiralty law jurisdiction or my jurisdiction of common law : 1. Lack of specific details : The letter does not provide any specific details about the vehicle being sold, such as its location, condition, or any other relevant information. This lack of transparency raises concerns about the legitimacy of the sale. 2. Inadequate disclosure : The letter does not provide a full disclosure of all the information pertaining to the vehicle, including its history, maintenance records, and any accidents or damage it has sustained. This failure to disclose important information could be seen as an attempt to hide potential defects or issues with the vehicle. 3. Unclear ownership : The letter mentions " Credit Acceptance Corporation '' as the entity selling the vehicle, but it does not provide clear evidence of their legal ownership or authority to sell the vehicle. Without proper documentation or proof of ownership, the sale may be considered invalid. 4. Threats of illegal action : The letter contains language threatening legal action against the debtor if they do not comply with the terms of the agreement. This could be seen as coercive or intimidating, and may violate applicable laws prohibiting abuse of process or unlawful threats. 5. Inconsistent formatting : The letter is written in a inconsistent format, with some sections using capital letters and others using lowercase. This lack of consistency could indicate a lack of professionalism or carelessness in drafting the document. 6. Missing signatures : The letter does not include signatures from any authorized representatives of Credit Acceptance Corporation, which could raise questions about the authenticity and validity of the document. 7. No reference to governing law : The letter does not specify the governing law under which the agreement was entered into or the sale is taking place. Failure to identify the applicable law could lead to confusion and disputes down the line. 8. Incomplete or missing information : The letter does not contain all the necessary information required by law to be included in a legally binding contract. For example, there is no mention of the purchase price, payment terms, or any other essential details. 9. Lack of accountability : The letter does not provide contact information. 10. Overall appearance of fraudulent activity : The letter contains several red flags that could suggest fraudulent activity, such as a hasty or uneven tone, vague language, or contradictory statements. These inconsistencies can make it challenging to determine the genuineness of the letter and the intentions of the party sending it. " I, Agent, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, hereby declare that all obligations and agreements entered into with the seller are null and void due to fraudulent activity, and I demand full compensation for any emotional distress caused by DECEPTION by the seller 's,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: It was Good for XXXX XXXX months then all of a sudden we get a bill notice of non-payment and notice of default and it's like every XXXX XXXX now that we're getting this when it's coming out of XXXX bank account but on their end it's supposedly being reversed and they're constantly hitting XXXX with a XXXX fee and they said that they gave XXXX a payment arrangement to where we would pay it off but all of a sudden we're in default and it's still showing that you know we're not doing XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Over 7 years ago my car got XXXX, they sold it and I had a remaining balance to pay. Now after 7 years they come and start garnishing HALF of my checks. I called them and they wont lower the payments. I cant survive with them garnishing half my checks every week for a car they got back long time ago!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50158
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Credit Acceptance Corporation is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that Im XXXX, I couldnt possibly afford a vehicle at that price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was notified that XXXX XXXX XXXX XXXX, Credit Acceptance Corporation, XXXX XXXX XXXX, XXXX XXXX has knowingly and unlawfully committed fraud under U.S.federal law Code Chapter 41 Title 15 Section 1605 and Title 15 Section 1635, Part B. I discovered that the truth to disclose U.S. federal law Title 15 Section 1635 has been violated. I have the right to rescind the contract at any time. I rescind the contract for the sale of a XXXX XXXX XXXX XXXX, white XXXX with date of sale milage of XXXX, stock # XXXX, VIN # XXXX. A down payment was requested, GAP insurance and CPI full coverage insurance. I submitted {$2500.00} cash to complete the bill of sale they accepted. I was notified that no amount of down payment should have been requested and added in the sum of all total charges. The fact listed in US federal law Title 15 Section 1605. Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXX XXXX XXXX, failed to disclose the legal law I could rescind contract and also due to your request to pay a cash down payment and a cash out of pocket purchase of insurance. The fact listed in US federal law Title 15 Section 1635. I am requesting the full refund of the sum of all total charges and return all down payment, finance amount including finance charges and additional insurance purchased on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A