Date Received: 2021-04-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I Noticed incorrect information on my credit report involving Credit Acceptance. I financed a XXXX XXXXXXXX XXXX Through Credit Acceptance priced at {$8000.00}. When I attempted to pay the automobile off, I was told that I financed a XXXX XXXX XXXX for {$13000.00} which was incorrect. Next I began to send in documents showing the car I purchased original price alone with vent number. After being ignored by Credit Acceptance and The Dealership I contacted all 3 credit bureaus and submitted a dispute containing a payment history related to my dispute. the payment history balance different from what's shown on my credit report. I was able to make progress with XXXX but not so much with XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.
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: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am claiming lending fraud and to further substantiate my claims of inaccuracies in your credit reporting. First, according to the terms of the contract the APR is 19.99 %, finance charge {$7100.00}, which is the sum of all charges. The amount of excessive illegal interest applied in totality {$12000.00}. ( Refer to Payment History ) This amount far exceeds XXXX usury rates maximum of 21 %. Pursuant to the Truth In Lending Act US CODE1605 ( a ) ( XXXX ) and the FDCPA US CODE1692f ( 1 ) this company is in violation thereof. We were also overcharged for sales tax. XXXX local sales tax rate is 8 % and we were charged above the legal rate. XXXX Refer To The Contract ) Secondly, I received a debt collections letter dated XX/XX/XXXX that failed to mention any accrual of interest or a specified amount of what was owed, pursuant to US CODE 1692g ( a ) ( 1 ) under the FDCPA. ( Refer To The Collections Letter ) Next, the initial balance reported {$12000.00} and according to the terms of the contract the principal amount financed {$12000.00}. There were no transactions, no promises, arrangements, and no payment since XX/XX/XXXX. Since then the account remained dormant. However, on XX/XX/XXXX this company stacked {$6900.00} of illegal interest according to federal law. Then reported the account was 180 days past due with XXXX and XXXX and 120 days past due with XXXX I received written correspondence from a representative of the company stating that they had not reported 120 days past due to XXXX I disputed it with XXXX and nonetheless this company verified the information as accurate. XXXX Refer To Dispute Results ) Pursuant to the FDCPA 15 US CODE1681s -2- and US CODE 1681 ( a ) ( 4 ) your company is in violation thereof. To conclude, Im exerting my consumer rights under the law to demand that this account be deleted from all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Credit Acceptance Corporation never provided me with a copy of the proof of sale from the auction they held to sell the repossessed vehicle. I was never given the opportunity to review whether or not they sold the vehicle for a fair market value as is my right. They are reporting this negative charge off on all three credit bureaus ' reports. I want the account removed until they can prove to me the law was followed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There are negative remarks on my report that are not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95660
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My vehicle got shut down after fixing the vehicle after having an impound in four years straight I was unable to pay car loan monthly payments because of in an out jobs Ive been working for the past five years trying to make ends meet when I got the car I thought I was gon na be able to afford it but I always ran into a financial issue that would not allow me too afford any car payment so ISo I continue to drive the vehicle until it was shut down hi caught multiple speeding tickets and my license got suspended because the cop said that my vehicle was unsafe so theres nothing that I can do to try to fix the situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit Acceptance has been calling me nonstop over the course of three days. Twelve times totalled, five times in one day about a car payment that at the time of the first five calls wasn't even late. Ive attached pictures of my call history for proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Credit Acceptance located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Credit Acceptance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A