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: 4288745

Date Received: 2021-04-11

Issue: Managing the loan or lease

Subissue: Loan sold or transferred to another company

Consumer Complaint: I traded in XXXX XXXX XXXX XXXX car to XXXX XX/XX/XXXX. Please update credit report and credit score showing CAR IS PAID IN FULL for CREDIT ACCEPTANCE. Total amount paid was {$20000.00}

Company Response:

State: AL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-04-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4287292

Date Received: 2021-04-10

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor Credit Acceptance be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( Credit Acceptance ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.

Company Response:

State: TN

Zip: 38501

Submitted Via: Web

Date Sent: 2021-04-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4286250

Date Received: 2021-04-09

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

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

State: TN

Zip: 38141

Submitted Via: Web

Date Sent: 2021-04-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4286185

Date Received: 2021-04-10

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: The federal law 15 USC 1605 ( a ) a finance charge is a " 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. So there should have no late payments to be reported on my credit report. I further remind you that you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. I will seek damages from your company for violating my consumer rights under Fair Credit Reporting Act if permitted.

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

State: IL

Zip: 622XX

Submitted Via: Web

Date Sent: 2021-04-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4285385

Date Received: 2021-04-09

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I purchased by vehicle in XX/XX/XXXX during the pandemic. I was told I would be able to push my payments back due to the pandemic and it would not go against my credit but that was false! I've made a few payments on time and there was a couple times I paid a XXXX late. The month of XXXX I was late, but on XXXX XXXX, XXXX I made a payment of XXXX. I would pay the past due and the amount due at that time which would be an " on-time '' payment. My last payment was on XX/XX/XXXX in the amount of XXXX and when they reported the bureaus on XX/XX/XXXX it shows I haven't paid, and I'm behind which is false! They have been damaging my credit for a while now. They never report accurately!

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

State: GA

Zip: 317XX

Submitted Via: Web

Date Sent: 2021-04-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4282080

Date Received: 2021-04-08

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I have/had an account with Credit Acceptance and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.

Company Response:

State: TN

Zip: 38122

Submitted Via: Web

Date Sent: 2021-04-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4273621

Date Received: 2021-04-05

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Alleged Account number XXXX I do not recognize credit acceptance as any creditor of mines!!! When I noticed this alleged repossession claim I was the guarantor of an auto loan on my credit report I immediately sent them a letter stating there was a high chance this account was fraudulent and i need to see all the contracts, promissory notes, Notice of sale letters and most importantly the calculation of surplus and deficiency letter. They received my letter XX/XX/2021 and are yet to mail me any response. I informed that XXXX XXXX XXXX XXXX XXXX states that a secured creditor must send this notice within 14 days of a request by the debtor OR a record waiving the secured party 's right to a deficiency. I am yet to receive a response from this alleged creditor this alleged secured party 's right to this deficiency debt has been waived. This account is inaccurate and needs to be deleted from my credit report

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

State: MS

Zip: 39401

Submitted Via: Web

Date Sent: 2021-04-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4273534

Date Received: 2021-04-05

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: A few times i tried to go to my bank and start a credit card but they told me no on Several occasions because there were too many attempts on my Social Security card so they said I couldnt make an account because someone is attempting to use my Social Security number

Company Response:

State: NY

Zip: 10306

Submitted Via: Web

Date Sent: 2021-04-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4273349

Date Received: 2021-04-05

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

Subissue: Problem with personal statement of dispute

Consumer Complaint: I could not afford my car because of a hardship I gave my car back they sold it at the auction they are willing to settle with an amount of XXXX I made a payment so my new balance is XXXX I have untill XXXX I plan on paying it Im making payments I called because of the hardship I asked if they could remove it when its paid in full they said they cant I would have to reach out to someone else it can be removed I also asked them for pay for removal I was not allowed to speak to the team that removes them I am trying to go through a program to buy a house but its stoping me so I asked them kindly if they would remove it

Company Response:

State: PA

Zip: 17202

Submitted Via: Web

Date Sent: 2021-04-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4273344

Date Received: 2021-04-05

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Credit acceptance XXXX XXXX there was no action taken by me the company attempted to collect a debit it is now on my credit report

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

State: MI

Zip: 48198

Submitted Via: Web

Date Sent: 2021-04-05

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.