Date Received: 2021-07-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2021 Credit Acceptance reported my payment for the month of XXXX as late when I had a billable credit card on file with the company. The issue is I was directed to put a card on file for automatic billing and I was advised I " could '' use a credit card not a debit card. I followed instructions by placing a credit card on file only to have this form of payment rejected. I was not notified about the rejected payment and or the late payment until after the 30 day period. The issue is that I was told by a representative on XX/XX/XXXX that a " credit card '' was a sufficient form of payment and that it could be added to my profile. My complaint is I now have a late payment on my credit report which ruined my credit and any chances of purchasing a home I already had under contract. I lost the home and the mortgage pre approval and my credit score dropped over 100 points. i reached out to Credit Acceptance via there dispute process and was denied any validation and or correction of the error and consideration of removing the " Late Payment '' in good faith. My payments were current before and after this incident and I have suffered a great loss due to this error on their part. Credit Acceptance needs to post acceptable forms of payment in their online website payment portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX, XXXX on all accounts create d by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I bought a car 2 years a go from a dealer XXXX pa I been having problems from the very 1st day this was my wife anniversary I drop XXXX dollars of my hard earn money so far I have put XXXX dollars in repairs in this car and now its in the shop again this is to much I want to give the car back, but it will hurt my credit I am trieding to rebuild I have call wrote credit acceptance many of times but know one will answer me back are any thing with me ai even ask for a deferred payment they told to me they do not do that I have lots of late payments on my credit report I think they should remove and work with me but they will not they will not even help me out I do not know what to do I have no transportation now and cant get another car because I still own on this one this car have a XXXX on the dash the loan is from credit acceptance.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor CREDIT ACCEPTANCE listed on my credit report were not reporting payments made to the account since XX/XX/XXXX appalled at this error I reached out to the major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor CREDIT ACCEPTANCE along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX XXXX XXXX, Compliance on XX/XX/XXXX she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that CREDIT ACCEPTANCE is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/XXXX XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB observe in the documents also which is a FCRA violation of reporting incorrect information notice the amounts from all three credit bureaus are vastly different I have also attached the proof the the disputes submitted to all three credit bureaus along with the copies of the payments made to the creditor
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( THE FCRA ). Credit Acceptance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28334
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
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 had turned Credit Acceptance in for late payment reporting when I had XXXX and had told them it was dude to covid. After consumer finance addressed credit acceptance stated it was to be corrected. XXXX XX/XX/2020 and XXXX late payments were to be removed marked no report etc. I turned them in on XXXX as it was not corrected there. This was credit acceptance response INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and I need this corrected I'm trying to buy a house and I have fought this 4 months already.
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX Credit Acceptance Co. {$17000.00}. This company is reporting this account that is not mine. They said I cosigned for my daughter and I never did. I provided the police report to them and I was actually sent a letter by this company that they have taken care of the matter and account was deleted from my record. XX/XX/XXXX XXXX XXXX XXXX {$30000.00}. The car was totaled loss after struck by a drunk driver. XXXX paid the vehicle off. They are showing that the vehicle had late payments from XXXX when I no longer had the car. It was paid. XX/XX/XXXX XXXX {$190.00}. I ordered merchandise from XXXX and never received it. I call them to dispute. However, I keep paying bill because I didnt want my credit to go bad. XX/XX/XXXX XXXX XXXX {$9100.00} Collections account. I never applied or had an account with this company. I have contacted them and sent police reports and disputed account. They keep reporting this erroneous information. XXXX XXXX XXXX {$5000.00} Collections account loan. I never applied for had an account with this company. I have contacted them and sent police reports and disputed account. They keep reporting this erroneous information. XXXX XXXX XXXX {$3100.00} Collections account loan. I never applied for or had a loan with this company. Inquiries-XXXX XX/XX/XXXX XXXX XXXX -never applied to this company. I disputed with company. Still reporting. XX/XX/XXXX- XXXX XXXX XXXX-never applied to this company. I disputed with company. Still reporting XX/XX/XXXX-XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XX/XX/XXXX-XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XX/XX/XXXX-XXXX/XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XX/XX/XXXX-XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XX/XX/XXXX-XXXX/XXXX-never applied to this company. Fraudulent applications. XX/XX/XXXX-XXXX XXXX/XXXX XXXX-Fraudulent application. Never applied. XX/XX/XXXX-XXXX XXXX XXXX XXXX application never applied. XX/XX/XXXX-XXXX XXXX XXXX application never applied. XX/XX/XXXX-XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX-XXXX XXXX XXXX application never applied. XX/XX/XXXX-XXXX XXXX-Fraudulent application never applied XX/XX/XXXX-XXXX XXXX XXXX application never applied. XX/XX/XXXX-XXXX/XXXX XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX-XXXX XXXX XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX-XXXX XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX-XXXX XXXX XXXX-Fraud application never applied. XX/XX/XXXX-XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX-XXXX XXXX XXXX-Fraudulent application never applied. XX/XX/XXXX9-XXXX XXXX XXXX-Never applied or had an account with company. XX/XX/XXXX-XXXX XXXX XXXX-Fraudulent applications, Never authorized to pull my credit. XX/XX/XXXX-XXXX XXXX XXXX-Fraudulent applications. Never auhorized to pull my credit. XX/XX/XXXX-XXXX-Fraudulent application. Never authorized to pull my credit. XX/XX/XXXX-XXXX XXXX-Fraudulent application-Never authorized pull my credit. Inquiries-XXXX never authorized any of the inquiries below. XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX-XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX/XXXX XX/XX/XXXX-XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX, XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX XXXX/XXXX Presently all my information is on the dark web and I am unable to get it removed. My file is in consumer affairs and it has been almost impossible for me to do anything.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In 2015 XXXX XXXX who is now deceased and can not face charges stole my identity and my daughters identity XXXX XXXX. He and his daughter pretended to be us and open this car loan with Credit Acceptance XXXX, he tried to open it in just my name until he realized I didnt have a drivers license and I dont drive so he took my daughters information. We lived in a family house at the time and he had access to search and get what he needed to do this when we were gone. Im tired of fighting this. XXXX XXXX is tired of fighting this. She reached out to his wife and she told the truth and made a complaint but Credit Acceptance pretended like they didnt know what she was referring to when she put the account number she was referring to in the report. These people have our names on this signed by someone else and just holding us responsible for something we had nothing to do with. Remove this fraudulent account from our credit report. XXXX XXXX is deceased and not able to deal with consequences of this. He wrote a letter or had his daughter write a letter pretending to be my child. How can you prove thats my child, its a letter that could have been written by anyone. She did not write it. We have no liability for this account and tired of trying to take it on. Credit Acceptance is a money hungry company and dont care who they hurt. When we are explaining to them how this happened and we did not do this because XXXX XXXX signed our names on it its automatically us. No show me us in there signing it. You cant because we were not there. Delete this account from my credit report report and XXXX XXXX credit report immediately. If I had a driver license I would not do business with a company like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 70301
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDITACPT bal. {$12000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A