Date Received: 2021-06-21
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I already have one complaint in process. I received a call from XXXX XXXX ( Regulatory Compliance ) from Credit Acceptance Corporation. She called to let me know that an investigation had started from mynprior complaint. She began to ask me questions that already had documented answers. I have no time to be interrogated because of miscommunication with Credit Acceptance Corporation. Then to make matters more frustrating I received a letter saying that I owed {$150.00}. Please help in resting this issue. I do not wish to be contacted by them again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly ask for proof of this account I do not know any credit acceptance they have been reporting late payments on my credit for a year. I have never had a account with credit acceptance do not know this company when I tried to rectify this account they were not trying to assist with this issue. I need proof of this debt I hav disputed with all three credit bureau and no luck with proof
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
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 paid off my car loan with CREDIT ACCEPTANCE CORP Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect. Credit acceptance sent me a letter that's says the car is paid in full but on my credit report it says, Account paid in full for less than full balance which that appears on all 3 my credit reports. i can not get a car loan with this incorrect accounts that on my credit report also this so call miss payment also. i have all my letter from Credit Acceptance its not making any sense why this showing a charge-off or paid for a less amount Credit acceptance agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my showing on my all 3 of my credit file. I call all 3 credit companies about this issue so many times & they will not fix this account at because Credit acceptance will not update the remarks show as a good account & paid & full & the miss payment delete off. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife name also on this account XXXX XXXX this also damage her credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a older account with Credit Acceptance and was able to pay off as quickly as I could. I called for a good will delete and there being difficult. I paid ahead in the months of XXXX, XXXX and payed off loan in XXXX of XXXX. I now currently have a new loan since XXXX of XXXX and Im current with my loan. Thanks, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my XXXX. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is a auto loan in my name dated back to XX/XX/XXXX Credit Acceptance Corp XXXX XXXX XXXX, XXXX mi, 48086-account number on credit report is # XXXX. I have requested the original documents over and over. With no results only harming calls, they got my number from when I initially called to inquire why they were on my report. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I file a police and FTC report for identity theft and this account is not mine. I don't know anything about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The reason for this letter in dispute of the operating practices, misleading information and fraudulent activity bestowed on me by the Credit Acceptance Corporation. To wit : At or near the beginning of this Pandemic, I contacted this company via telephone, and was informed by a manager, ( named XXXX ) that due to the current crisis they would defer any actions against their clients as it relates to making payments at that time. I was told that " If '' I was able to make even a partial payment to do so. If not they would defer until the crisis was over. I contacted them again in XXXX, to make arrangements to bring my account current, because I had been unable to make my payment ( s ) during the Pandemic. At this time they requested that I pay them {$6400.00} on or before XX/XX/2021. ( See Enclosed Agreement Letter ). I was promised by them that if I was able to make this extremely large payment, my account would be brought current and my account would be in very good standing. I paid them the entire amount that they requested, by the day they requested. XXXX XX/XX/2021 Bill from company. Cleary states " NO PAST DUE AMOUNT ' After doing so and thinking that I had done everything they requested of me. I was appalled upon review of my credit to find that even though they told me. 1. That they would defer the payments until after the Pandemic. 2. That my account was in good standing. 3. There would be no penalties for not making payments during the crisis. THEY STILL REPORTED MY PAYMENTS 60, 90, 120 DAYS LATE. Totally contrary to what they told me or what expected from them. In closing I would request that this company do right by their customers. They should not be able to, on one hand state you dont have to make payments and then penalize a customer for doing exactly that. Then finally when they requested over {$6000.00} I paid it to keep myself and my credit in good standing. But this payment did neither. This company and their praticies should be sanctioned in some manner for misleading and subsequently penalizing their customers for doing exactly what they agreed to allow. And they need to correct " All ' misinformation supplied by them to the different credit reporting agencies.. Please Advise.. Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Sent from XXXX Mail on XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been recieving phone calls for months, they will call twice in the morning and twice in the evening all week long. This is interrupting my life while on other important call, at work, praying, family time. This is completely disrespectful and against the law. I am exercising my rights as Credit Acceptance Corporation has violated my right under 15 usc 1692c subsection ( 1 ) and ( 3 ) I never gave Credit Acceptance Corporation any prior consent to communicate to me. Credit Acceptance Corporation had also violated 15 usc 1692d subsection ( 1 ) by threat of use of other criminal means to harm property of any person. Subsection ( 2 ) The use of obscene language. Subsection ( 5 ) Causing a telephone to ring. XXXX1 was the last day I notified they to not contact me while on the phone I had to let them know it's a violation under 15 usc 1692c.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A