Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA ( Fair Credit Reporting Act15 U.S.C. 1681-1681x ), it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove the inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is CRACCEPT/CAC. The Inquiry date is XXXX XXXX. The bureau reporting is TransUnion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: my boyfriend went through credit acceptance ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Affected by Natural or Declared Disaster ( e.g. COVID-19 )
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a loan with Credit Acceptance. I am supposed to pay XXXX every two weeks but since the Pandemic I have been paying it monthly {$270.00}. I lost my job and my home so I do my very best to keep my car. I have my bank statements showing I paid and I am not in the rears and these people call me 5 times a day even after I submitted documentation for them to see. They are harassing me when in fact I am waiting on them to check the information that I submitted. I am submitting my phone records to show how XXXX this is. Thank you
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX Loan in the stated amount of {$16000.00} to purchase a XXXX XXXX XXXX funded via Credit Acceptance , Inc. was accepted by me at the Vehicle dealership. After weeks of communications with XXXX XXXX in XXXX Ohio I purchased a vehicle, a XXXX XXXX. The salesman, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX after several hours sitting there finally found a lender for the purchase. It was nearing closing time when he came back and told me that the lender, he found was willing to do the loan for XXXX XXXX for the vehicle. The vehicle asking price was XXXX. So, I agreed and moved forward with the purchase agreement. After signing 2 or 3 papers directly for the purchase the financial person stated that he would do the rest of the paperwork online and give me a copy. Since it was dark and raining heavily and that XXXX had picked me up at my home I had agreed and did not take the time to read all the documents. I had an hours drive back to Pennsylvania. On XX/XX/XXXX I received my notice for payment due on XX/XX/XXXX. After I sent payment, I received several more notices. The next documents received via U.S. mail noted that the loan for this vehicle was for {$29000.00}. I called Credit Acceptance about this, thinking that there was some mistake especially since the papers that I signed noted that the loan amount was for {$15000.00}, or XXXX. On XX/XX/XXXX shortly after notifying XXXX that there was a problem with the exhaust on the vehicle, I could smell it upon startup of the vehicle when cold. The vehicle burned up on the highway after someone notified me that the vehicle was on fire while I was driving at about 65mph. The insurance, XXXX sent a payoff notice for the loan. Then I received a statement this month, XX/XX/XXXX for a balance due in the amount of {$14000.00} due on XX/XX/XXXX. I need help with this. According to the insurance company the loan was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX the federal protected consumer entered a consumer credit transaction with credit acceptance for a vehicle that had a gas leak I had the vehicle for only 30 days with a voluntary repossession. The car was like an XXXX or XXXX and the credit transaction was worth about {$10000.00} and no finance charge listed at all. They didn't give notification that the alleged debt and they were trying to collect. I used my social security card in this consumer credit transaction used for household and personal use. Credit acceptance has violated me as a consumer in the corporation and needs to held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collections Practices Act and amendments to the Truth in Lending Act or else I will pursue federal litigation if needing re enforcements on the facts of the federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today was my second call within the year to XXXX XXXX XXXX to try to answer some questions and resolve an all-around horrible lending practice from the start. Starting 2013 when I proudly walked into the dealership with {$2000.00} down for $ XXXX vehicle. I was ready to be back on my toes and thought there was no way this couldn't be affordable for me. The " trusted '' sales associate states " Credit Acceptance will not finance without with service warranty & GAP ''. My father warned/said don't buy it but I caved because I wanted to be proud as a XXXX mother of XXXX. Now nothing is how I had planned walking into that situation. Gas prices jump, I drive 70 miles round trip for work, I'm stuck with a vehicle I can't afford that I should have been able to. Shame on me for trusting my friends step-dad ( XXXX ). My insurance lapsed because I can't afford it. I get in a horrible accident, I borrow money from 401k to fix it but I'm still sinking. I finally let it go, I don't defend my judgement bc once again, I believe it will be fair. Only to find out, I was taken for every red cent. Salt in the wound. Years later only to find out that I was misled/lied to from the jump, I didn't have to pay for those things & maybe I wouldn't have sank. I've called XXXX XXXX XXXX XXXX twice. Initially, to see how I can end this haunting experience & move on with my life. The worst part is I'm now third company in ( XXXX, Credit Acceptance, XXXX XXXX XXXX ) and the deceit hasn't stopped. First time calling I would reference the payments made ( garnishments ) and she continued to taunt me stating I didn't make those payments and they were taken under garnishment, refusing to acknowledge that regardless they were total payments. I requested settlement offers, she said I had to give an offer while refusing to acknowledge the garnishments as payments from me. Today I was requesting detail on how a credit was established in my " Explanation of Deficiency '' and was given a big run around. " I'm sorry, I wouldn't know what you were referring to ''. " Remember, we are a law office, we wouldn't have that information ''. " Sounds like something Credit Acceptance sent you ''. When asked if she could get access her response " I could probably try to find it ''. Playing a if the LAW office who presented the judgement to the courts would not have this on file? Deceit. She ended with " So you want validation? '' I said " No, I want clarification ''. It took be 34 years to fully understand my rights. I'm not thrilled that lies & deceit are still being practiced in the debt collection offices. Both times my requests were ignored and tried to construe the requests and make me agreeable to less than I was asking for. Please rectify. I put my life on hold and buying a house because of this mess. Started by one person, to a company who would allow such horrible borrowing practices, to a LAW firm who doesn't care why so many people failed with this type of lending/ company and supports their decision to sue for all {$8000.00} interest on {$10000.00} car and still charges me $ XXXX/day that it's unpaid. Also prior to court hearing, I informed XXXX XXXX XXXX to contact my bankruptcy lawyer going forward, to which my understanding they did not, and continued with the judgement request unbeknownst to him.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 522XX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i try to buy i car when dealer pull my credit show an account dont belongs to me i call credit accepttance corp talk to 4 different agent but not one were able to help also car XXXX not luck as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A