Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was affected my COVID-19 severely and wrote to credit acceptance to request that they remove the late payments off my credit report due to me becoming unemployed. They never responded to me nor wrote me back. While reviewing my credit files I discovered that they just put comments on my report " affected by natural disaster ''. Which doesn't help me all, but yet they still reported my late payments. Then they created a program where they would not report payments to the credit bureaus but yet still reported late payments on my credit file. This company is very deceiving and destroyed my credit. Also I contacted the bank recently to voluntary surrender the vehicle they stated they already had a repossession order out for the vehicle almost a month before I called. But stated that it will be reported as a regular repo on my credit. And also failed to contact me in regards to that. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I check my credit very frequently, I noticed the credit reporting agencies and credit acceptance has been violating my consuming rights I check my report and they furnished credit acceptance. This car was repossessed they never told me how much I owe, when it was sold and what the balance was if there was any. I should not have a balance because there was a finance charge that I paid. As pursuant to 15 US code 1605 Determination of finance charge, they already got paid. In addition, I noticed that XXXX XXXX when I checked my report it was reporting that this account with credit acceptance Corp will stay on my record until XX/XX/2022. Then I screen shot a picture from my phone on XX/XX/2022 from the XXXX app. It stated that it shall be on Record until XX/XX/2022. XX/XX/2022 when I went to look if it was still there reporting, the space where they actually inform how long its going to be on record its blank. They are not reporting factual information to my report and they using abusive practice according to 15 usc 1692. The banking system is depending on them for accuracy. This account supposed to have fell off already. I am demanding compensation from XXXX for {$1000.00} for damages and demanding credit acceptance to compensate me for the whole entire loan for the vehicle that's already been paid off. I am looking for them to send me back the price of the whole loan or I will take this to court. According to 15 usc 1692i credit acceptance corp have no legal standing against me the COSNUMER in the courts. I am demanding that this account is REMOVED IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Re : Complaint Against XXXX & Credit Acceptance Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from Credit Acceptance. XXXX is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I recently received a copy of my XXXX, XXXX, and XXXX credit report, and I noticed some late payments posted on my credit report. Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this is in violation of 15 U.S. Code 1681b Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance ( 15 U.S. Code 1681n ) AFFIDAVIT OF FACT In The Matter Of : XXXX XXXX, a man / woman To : XXXX XXXX XXXX XXXX, a woman/man ; Dear Credit XXXX XXXX XXXX XXXX XXXX woman/man, You,, a woman/man, have engaged in multiple violations against I, a woman, without right. I recently looked at my car contract and found many issues that are in direct violation of my consumer rights under 15 U.S. Code 1605 and 16 CFR 433.1d. I am a woman, the consumer in fact it is my understanding that I am going to tell the truth the whole truth in all matters here. Having so qualified my testimony I now take my affidavit and submit it into court record in full and state that everything in my Affidavit is the truth and the whole truth for the record. Made under penalty of perjury. I, a woman, the consumer in fact has personal knowledge of, and asseverate the following : 1. Fact, I, a woman, the consumer know that The Fair Credit Reporting Act 15 USC 1681 was made by congress to ensure accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX. Fact, I, a woman, the consumer knows that on XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX Sedan from XXXX XXXX XXXX through XXXX XXXX. I know that XXXX CFR XXXX is a purchase money loan that is a cash advance which is received by a consumer in return for a finance charge within the meaning of the Truth in Lending Act and XXXX XXXX I was never disclosed about a purchase money loan let alone knowing that it was actually a cash advance that was due to me. The salesman never made me aware of this during the consummation of the contract. Another violation was the withholding or not being disclosed that I was signing this money over to the finance company Credit Acceptance. I was told that Credit Acceptance would be the one who was lending me the money when in fact that was false and a lie and a violation of my consumer rights. Under the Truth in Lending Act and Regulation Z, I was lied to by the creditor because I was really giving them my cash advance, I never knew about from my purchase money loan that was due to me and signing it over to the finance company. As a consumer, I legally have a right to know that my signature is being sold/transferred to another party and the process of the finance charge. The contract is a XXXX XXXX XXXX not a XXXX XXXX XXXX as stated on top which is another lie and violation. The contract was with XXXX, XXXX but somehow Credit Acceptance got involved without me knowing and being fully disclosed on how. How can the dealership transfer/sell my signature and the security interest in the vehicle to another party when the contract I have with them is not even binding because technically their signature is not even on contract because the dealership can not speak nor talk so how do they have any control over what happens to the contract ; they dont. I walked into the dealership to purchase a vehicle under a consumer credit transaction per law 15 USC1602 and I am the original creditor per law 15 USC 1692A ( 4 ) but was not made aware or fully disclosed that my signature and cash advance from the purchase money loan was being sold/given to another party which is Credit Acceptance. This is a violation of my rights which voids the entire contract altogether. 3. Fact, I, a woman, the consumer also knows that 15 U.S. Code 1605 is determination of finance charge which is defined as 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 of payable in a comparable cash transaction. If the finance charge supposed to be the sum of all charges and does not include charges comparable to cash, then why was I required and told by said dealership above and in question that I had to make a down payment in order to get the vehicle. I made a down payment of {$2500.00} cash but was not made aware or disclosed by the creditors XXXX, XXXX and Credit Acceptance on XX/XX/XXXX, that I actually was not required to make said payment because its included in finance charge, but it is also illegal under 15 U.S. Code 1605. Definition of finance is to provide funding for something and in this case the funding was for a vehicle but how can I be given money for a vehicle but at the same time have to give cash in order to get the funding. This is the purpose of truth and lending to fully disclose what my finance charge is and everything that is included and said company above has violated my consumer rights by not doing so which caused me to suffer a financial hardship because the deposit for the vehicle was my savings and I did not want to put anything down towards the vehicle but again was advised by the creditor I had to. 4. Fact, I, a woman, the consumer knows that 15 U.S. Code 1605a explains what a finance charge includes which is interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge, Loan fee, finders fee, or similar charge. Fee for an investigation or credit report and Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. XXXX XXXX and Credit Acceptance, a woman/man, have engaged in violations under this law because I was charged multiple fees such as {$75.00} for dealership fee, extended warranty {$1500.00}, sales tax of {$810.00}, DMV fee of {$180.00}, charges and mounts paid to other in my behalf of {$1800.00} and Emission test fee {$21.00}. I also show an itemization of amount financed for some of these items separately, but I shouldnt because thats more money you are adding on to the finance charge from what you already said I was paying under the finance charge at top of the contract. Again, this is another violation of my rights under 15 U.S. Code 1605 that caused me financial hardship because I had to include more money out of my pocket for these fees which raised my car note even more monthly. This goes against my consumer rights that you have violated. 5. Fact, I, a woman, the consumer knows that 15 U.S. Code 1605 b and 15 U.S. Code 1605c states Life, Accident, Or Health Insurance Premiums and Property Damage and Liability Insurance Premiums are included in the Finance Charge. Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges. During the consummation of the contract, I was asked did I have insurance but never stated that the premium was supposed to be included in the finance charge. I did not receive a statement or disclosure from the creditor stating that I was entitled to have my premium included in finance charge, therefore they withheld this information and lied to me throughout this transaction. I, a woman ... : woman, am not an expert in the law, however I do know right from wrong. If there is any man or woman damaged by any statements herein, if they inform me by facts, I will sincerely make every effort to amend my ways. I hereby and herein reserve the right to amend and make amendment to this document as necessary in order that the truth may be ascertained, and proceedings justly determined. If the parties given notice by means of this document have information that would controvert and overcome this Affidavit of Fact, please advise me In written affidavit form within ten [ 10 ] days from receipt. Provide me with your counter-affidavit, proving with particularity by stating all requisite actual evidentiary fact and all requisite actual law, and not merely the ultimate facts or conclusions of law, proving that this Affidavit of Fact is substantially and materially false sufficiently, to change materially my Status and factual declarations. Your silence stands as consent to, and tacit agreement of, the Claim and factual declarations made herein being established as matters of fact and matters of law. I, a woman ... : woman declare under penalty of perjury, that all herein be true, and will testify viva voce in open Court, that all herein be, true, so help me God.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The CREDIT ACCEPTANCE CORP account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Credit Acceptance place the loan in a temporary forbearance due to COVID. Once the forbearance period was over the creditor placed the entire past due amount on my credit report as of XX/XX/2021 which is {$4300.00} I would like to file a complaint against Credit Acceptance and request some type of payment agreement or place past due amount on the back end of my loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On the date XX/XX/2020 I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Credit Acceptance Corporation. I am the original creditor extending my credit ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraduently finance me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$11000.00} exact but this dealership and financial institution gave me a total sale price of {$32000.00} ( see attachment for Exhibit A ). That is a total of {$21000.00} charged over the sum of all charges this is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX. The letter was a settlement letter requesting me to pay XXXX different amounts to settle the account. I called to ask why I was receiving the letter & that I am not aware of an account with them. The guy on the phone at XXXX XXXX XXXX, asked for identifying factors in which I would not give him. He became irate & hung up. Afterwards, I called Credit Acceptance Corporation, & was informed that they're trying to collect a date from XXXX which is far past the statute of limitations so I faxed a letter to both entities & in total disregard concerning my letter, this morning, I received a call from XXXX & voicemail from XXXX, after I requested for them to not contact me concerning the matter. So I called back & spoke to another person who answered & asked that my number be put on their do not call. She asked me to hold & after 10 minutes I hung up the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
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: Credit acceptance and partners of XXXX XXXX XXXX XXXX collection firm are currently reporting a collection balance of {$2800.00} that was settled in full with the collection office of XXXX XXXX XXXX XXXX for the amount of {$980.00} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX scores ... Each time ive spoken with a representative at Credit Acceptance ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. Credit Acceptance Incorporation committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand Credit Acceptance Incorporation to remove immediately. FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A