Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I reviewed my credit report and I noticed that there are some inadequate information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: In XX/XX/XXXX, I trusted this company with that law and rights when agreeing to get this vehicle. I was told that I had to put down XXXX to move car off lot. According to 15 U.S. Code 1662 this company has valid this law. On XXXX XXXX I called the company and ask did they participate in the TILA and stated the law and my rights and to resolve issue in a professional manner. Customer representative stated that I read the law wrong and she proceed to put me on hold, when representative return back to call she then hung up on me. I then called back and spoke with another Customer Representative and stated the law and my rights back to him, his response was I'm not a lawyer so I wouldn't know anything about that. Per federal law finances also includes insurance under code 15 U.S. Code 1605 ( a ) Finance charge defined 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. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an XXXX XXXX Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent. The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am co-owner of a vehicle that I did a voluntary repossession on. The other owner is currently incarcerated. I was told by more than one agent at the finance company that I could do a voluntary repossession. The finance company took possession of the vehicle on XX/XX/21. The day before the car was to go up for auction ( XX/XX/21 ) the finance company released the vehicle to someone other than myself or the other owner. They will not tell me who the vehicle was released to and They are still holding me responsible for this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23113
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My son was involved in a car accident on XX/XX/2021. This was a total loss of this vehicle that was financed through Credit Acceptance in which they were paid in full on XX/XX/2021, however they havent closed out the account which is causing me problems in obtaining a new car auto loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71457
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX at this current moment is submitting a complaint that i currently have Credit Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$13000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Credit Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Credit Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to credit acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g and Credit Acceptance sent a letter back stating that my request/demand is frivolous in which i find to be very disrespectful towards my rights as consumer. Credit Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Credit Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Credit Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Credit Acceptance has committed many violations of my consumer rights under the FDCPA. Credit Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ex husband took out a automobile loan in my name - after seeing it on my credit report he agreed to make all payments. We had a divorce settlement in 2020 which he took full responsibility of the debt. The automobile was financed under my name and social- it appears solely on my credit reports. At the beginning of the pandemic the company sent emails to consumers encouraging to call in and set up payment arrangements if necessary. I called in and asked to extend my due date to the XXXX - not a partial payment arrangement. She said that wouldnt be a problem. I asked her if payments would be marked late- she reiterated that it will NOT as long as it is pod by the XXXX. After years of paying - 4 months ago over 5 late payments appeared on my credit Report in the midst of a mortgage approval and three weeks away from closing. My credit score went from XXXX all the way down to XXXX and I will seek legal action if they dont resolve this. They are claiming that the payment for the XXXX was supposed to be a one time payment and that makes no sense, I record every call between me and this company after a bad experience with them years ago. I would like to upload the recordings along with my dashboard so that you guys can see the timeline of how they have been financially abusing my credit report as well as my loan officer can testify to this that this is complete consumer financial abuse by a company that is known to do this. They have no customer service, their representatives are limited educated individuals trained in collections. The judge ordered my husband XXXX XXXX to take over that and responsibility of this account, I sent in a copy of the divorce settlement and called in over a year ago - their response to me was that they have no department that deals with us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed a {$9000.00} vehicle in repossession on my credit file that was due to identity theft. I filled out FTC Identity Theft Affidavit and the company still would not comply with my request. The company is Acceptance Corp and I asked them about the vehicle and they couldn't give any details to provide validity that the account is mine. ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( 13 ) Effectiveness study. Not later than 18 months after XX/XX/2003, the XXXXomptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I used the lender Credit Acceptance Co in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. Credit Acceptance took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. In XXXX of XXXX Credit acceptance illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, XXXX Article XXXX XXXX, most notable XXXX and XXXX, and State XXXX and XXXX XXXX a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My name is XXXX XXXX I was invited by my friend XXXX XXXX to come down to a dealership at XXXX XXXX in the XXXX Ny so she can purchase a car. This was on XXXX XXXX. They told her she needed a cosigner on the car so she called her brother XXXX XXXX to be her cosigner and I told them if he doesn't work they can use my name. The man who was doing the loan process came back to my friend and told her it was going to be a 3 person loan & that it's through a company called credit acceptance and it's a company that will help build everyone on the loan credit. And then after 3 months you can bring the car back & refinance for a lower interest rate. So she made a down payment of {$1200.00} & gave them the coupon from online that they will pay {$1500.00}. And they told the dealer name XXXX to take her for a XXXXest drive in the XXXX XXXX XXXX after she gave her insurance information paid for it & go the ID cards. I went with her and XXXX to test drive the car & when we came back they had us sign papers & they had to do her paperwork over cuz they kept spelling her name wrong. I should've known something was up when that kept happing, especially since all the income paperwork was in her name and they had her driver 's license also & bank statements. They actually asked for mine & XXXX XXXX bank statements. My complaint is I was sitting at home & a bill came in the mail from Credit Acceptance that was a billing statement & I was like I didn't purchase no car I only make {$800.00} in social security XXXX a month how in the XXXX am I to pay this bill that's not mine. I called them & they said I signed the papers for the car & I said we all signed papers that none of us ever received and I didn't sign for no car loan so take my name off the account. I've been disputing this for a year & they claim I signed these documents & yes I signed documents they said was a cosigner documents and they went to XXXX XXXX house to have him sign documents also. I reported them to the XXXX & they contacted Credit Acceptance and they did a internal investigation and said the dealer and there findings is that the dealer wouldn't have put me in a loan unless I showed proof of income & that I told them I make {$1900.00} extra a month & I'm like were the heck did they get that from, cuz if that was the case I wouldn't had went down to them for a XXXX XXXX XXXX that can't fit my XXXX body. One more thing XXXX XXXX XXXX XXXX sister he cosigned for is the only one that had a income that was more than myself & XXXX each month. They also said signed the registration also I don't know how I pulled that off when I don't have a driver 's license. I would post documents but it's been a year and they still haven't given any of us proof of sale documentation & none of the paperwork that was signed & to this date they still haven't presented them, the dealership keep saying they mailed out the papers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A