CREDIT ACCEPTANCE CORPORATION


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"Products" offered by CREDIT ACCEPTANCE CORPORATION with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt or credit management - Credit repair services
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Virtual currency
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Title loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 4469379

Date Received: 2021-06-17

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: After my last complaint against Credit Acceptance, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due. When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60626

Submitted Via: Web

Date Sent: 2021-06-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4467876

Date Received: 2021-06-16

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I filed a complaint with this company on XX/XX/2021 and received a response back on XXXX XXXX. The response was from the company Senior Staff Attorney " XXXX XXXX. '' Mr. XXXX responded in the bottom portion of the letter " At this time, we have nothing to suggest that this account does not belong to you. Should you have any documentation that would be helpful to our investigation, we would be happy to review it and investigate further. That being said, we have made a business decision to close your account and you are no longer responsible for the remaining balance. The company then goes back and contradict everything they wrote in black and white and put this account back on my credit report on XX/XX/2021. A month later.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TN

Zip: 37931

Submitted Via: Web

Date Sent: 2021-06-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4467081

Date Received: 2021-06-16

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity this was not done by me.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 19018

Submitted Via: Web

Date Sent: 2021-06-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4464489

Date Received: 2021-06-16

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MI

Zip: 48161

Submitted Via: Web

Date Sent: 2021-06-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4464295

Date Received: 2021-06-15

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: My sister bought a car XX/XX/2020 and instead of this being on her social security number its on mine with her birthday. Ive spoken to the dealership and the credit company multiple times trying to resolve this and I am having no luck. This should not be on my credit. 2 weeks prior to my sister purchasing her car I had purchased a brand new car. The dealership used my social to get my sister financed. Please help

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AL

Zip: 359XX

Submitted Via: Web

Date Sent: 2021-06-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4460401

Date Received: 2021-06-14

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: I contacted credit acceptance last month before my payment was due and explained that I needed to see if I could forward my payment to the end of the payments due to me not receiving my check last month. They told me I could instead pay them {$30.00} fee and they will extend out the payment over next three months after they told me they can not let that payment go to the end. I am in a forbearance with my mortgage already due to COVID and I explained that too them I paid the XXXX dollars and this month I have yet to receive last months due check and now have not received this months check as I have tried to correct this error I had to call credit acceptance again and explain that for the second time now Im last year and a half I have not received my check that I needed an extension or something. They told me not available and that my name and number will be put on the call list. Every day except Sundays for the last two weeks they call with an automatic system four and five times a day leave one message and keep on calling. I asked them to put a check on that since its a bit repetitive and they said they can not control who and when the machine calls out on debts owed. I said well that is a problem and illegal that once a week is more like a reasonable calling pattern. It still goes on four and five times a day. I have a call log on my phone showing times and lengths of messages. Its a bit to much. First you dont want to help out then when I do need a bit of peace and quite I get hounded by a machine calling me several times a day. I am done. I will pay as soon as my check clears my bank and I have actual funds to pay with instead of writing a bad check that cost me even more. As I am writing this they are even calling.

Company Response:

State: IL

Zip: 604XX

Submitted Via: Web

Date Sent: 2021-06-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4458009

Date Received: 2021-06-14

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Credit Acceptance is reporting late notations on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 that need to be removed. Due to Covid, I lost some work that I relied on financially, and that really impacted me. I have an account with them for my auto loan and due to Covid, I called in to see what I could do because I was having some trouble paying the full amount. When I called they told me that I could have a payment arrangement set up for my hardship that would lower my payment by XXXX. I thought that was great until I looked at my credit. They never told me that with this arrangement, my account would be delinquent due to lesser payment, If I had known that I would have late payments, I would have never made that payment arrangement, I would have found a way to pay the full amount instead. So now I am screwed because the rep failed to explain the details of this arrangement. Upon finding out I paid it to bring the account up to date and am now making my full payment instead so it wasn't much of a help.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: UT

Zip: 84057

Submitted Via: Web

Date Sent: 2021-06-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4453969

Date Received: 2021-06-12

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: My credit report is reporting late payments on accounts that should not be late.

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: 2021-06-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4453967

Date Received: 2021-06-12

Issue: Problems at the end of the loan or lease

Subissue: Unable to receive car title or other problem after the loan is paid off

Consumer Complaint: I financed a car back in XXXX with Credit Acceptance Corporation. I called and got a payoff amount and the physical address to send the check to because I had secured refinancing through my credit union. I obtained a payoff amount for {$6400.00} on XXXX XXXX, XXXX. My back mailed a check for {$6500.00} plus dollars on XX/XX/XXXX, which was right in the the 10 day payoff period. The checked was cashed on XX/XX/XXXX. I received a call from a young lady from Credit Acceptance Corporation in XXXX, MI who identified herself as an operations manager. She asked me was it a mistake that a check was sent for that amount. I replied no stating that was the payment amount and they the loan had been picked up by my credit union. She then told me that the payoff amount was incorrect and I owed {$4000.00} more dollars. I explained to her that I had the paperwork from Credit Acceptance with the payoff amount on it. I insisted on giving her my credit union 's number but she said that she could not speak with them and she could only speak to me, which sounded very strange. Can you please look into this matter because they seem to have some subpar business practices.

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: 2021-06-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4450181

Date Received: 2021-06-11

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Okay I want to start by saying I don't understand why this agency consumer finance do not take more legal action against Credit Acceptance they have to have numerous complaints against this company because they deliberately tried to destroy people Credit and report false information on people 's credit report, the lawsuits about this company is horrifying lawsuit on top of lawsuit why is this company still being able to remain open this is horrible I had a car with these people back in 2019 it was totaled I paid on it for a whole year prior insurance paid the value of it I'm not paying them anymore money they keep adding to the balance on my credit report and I feel that it's illegal to keep adding to a balance and you know longer possess their property I thought that this agency handling this was more affiliated with Washington because I just don't think that this agency consumer financing bureau can really do much, all the years that these people have taken advantage of the public something needs to be done to this company to be shut down I want to really take this to Washington because it's apparent something is not getting through, this can't be possibly be right to be treating customers like this and you are still open you can barely find a positive review on these people this is really bad and I'm sick of them posting slight increase after increase on my credit report I have found so many complaints against this company and nothing has been done it's falling on deaf ears upon investigation they have been sued a million times civil lawsuits everything you can possibly imagine and they still remain open something is not getting through to shut this company down after I submit this I want to go to a higher authority because the proper help is not being done against them, this should be against the law to treat consumers like this and for the life of me I'm going to keep posting and posting until something is done about this someone has to stand up against this harassment

Company Response:

State: GA

Zip: 30297

Submitted Via: Web

Date Sent: 2021-06-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.