Date Received: 2020-04-20
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: on XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in the amount XXXX including taxes and tags ..the car came with no XXXX in which the dealer website states that they provide you with a XXXX for each car .. on XX/XX/XXXX the XXXX XXXX transmission stopped while XXXX traveled to work ... XXXX the carsaleswomen assured me they would fix the transmission nd I have my car back ... wasn't provided with a rental or loaner car for the duration of the time I needed to travel ... on XX/XX/XXXX I returned to XXXX only of XXXX to explain to me that they still hadn't fixed the car .. so I said to her I had to wait or I can be reimbursed for the other vehicle .she explained that a refund was outta the question and that only option was finance .. I stressed that I didn't want to finance cause I didn't want the headache, I asked for a refund and she refused again. she proceedsto offer me finance options, the pressure was heavy and I was sure because of the demographics I wasn't getting my money back .my back was against ..I noticed the agreement was trumped up the car asking price was XXXX, XXXX reports its value XXXX ... ... however the contract states XXXX I'm guessing she used to get over on person who reside in poverty stricten areas however I feel like my human rights was violated. As well a the proper documentation which would have allowed me time to make a decision ... I also had to repair the tires rotors bearrings, front light bulb and both sets of brakes ... she went into the office with whom ever the owner is and then cam out with scheme I was also told I had to get the warranty upon checking the warranty didn't provide the necessary coverage that was needed .. I then brought the car a few months ago to a side dealer who on XXXX XXXX whom jfixed the timing belt ... after I noticed that when I accelerated the peddle the foul smell of burning rubber would come arise ... I took the car back to the dealer only for here to ask if she could refinance my loan thru the bank to lower the payment and add 2yrs on the the current five year loan she stuck me ... also the person who generated this contract name is XXXX XXXX XXXX XXXX, CREDIT ACCEPTANCE XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Good Evening, my name is XXXX XXXX. I am writing you this evening to let you know that I have contacted Credit Acceptence Corporation today to see if they will be willing to work with me due to currently not working due to the Cornoavirus. I have stated to the lady that I go back on the XXXX of XXXX because my job is opening back up then and I will be able to make my payment once I receive a pay check. I have had my car now since XX/XX/XXXX the 2019 and I currently pay XXXX per month. They are not willing to help me and frankly they were very cold hearted. We are being forced not to work right now due to the Cornoavirus. Can someone please help me? Thank you. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late? I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is going to be kinda vague. I do have XXXX and XXXX. I have a big problem with the financial company I'm using due to my XXXX. To ask simple generic questions is talking over an hour. Before I got coupon book I asked once I make payment if I wanted to pay extra what would I do. I could never get an answer because of protocol. I've asked for help understanding things an they seem not to be able to stay on subjest. I call to set up auto pay and they refused to help me because they wanted me to make a payment first. The account wasn't past due. With my XXXX I usually have to practice how I want to do! Hi ngs if you make me change it won't work. I've even had staff make comments about my XXXX. One person stated she knew someone with XXXX and based on that determined I didn't need help that I was just wanting to cause trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I've never been late on my auto loan with Credit Acceptance. My husband was recently laid off due to XXXX and my hours reduced at my job. I contacted Credit Acceptance to see if they could defer my loan for 2 months until we get back to normal. I spoke wtih XXXX at Credit Acceptance. She was very rude and unwilling to offer any solutions to defer or make payment arrangements. She stated they are not offering those options and that we had to pay something on the loan anyway. She also stated that they would still report to the agencies that the account is late and that the credit agencies would be responsible for updating the account on your credit report. This company is not willing to assist any customers during this hardship. My account information is as follows : Credit Acceptance XXXX XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit Acceptance will not defer one payment and add to end of loan like every other auto loans will do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To date have not received a copy of the settlement agreement. {$4500.00} settlement with monthly payments of XXXX a month until paid in full. I have spoken to several representatives who advised it would be mailed to the mailing address on file. As of XX/XX/XXXX I have not received anything in writing. I have as emailed with no results. I've been making payments since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Both my son and I try to get a loan payment deferred for a month due to layoffs because of the pandemic. In a world where everyone is bending over backwards to help everyone we were told credit acceptance Corp is not offering that at this time. they should be ashamed of themselves
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I didn't purchase item debt they are trying to get money to pay. It was purchased by a Mrs. XXXX XXXX XXXX, residents last known address was XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX, XXXX, GA. Her phone number last known no longer of service, because the vehicle they seeking payment for past balance of was completely in her name. Also, On XX/XX/XXXX in a court proceedings Mrs. XXXX requested courts to award her the vehicle money owed on plus a vehicle which I purchased with cash when I first got out of XXXX XXXX XXXX XXXX and XXXX XXXX from having to have XXXX services in order to walk or take care of myself from a XXXX and a XXXX XXXX due to XXXX in my sleep and I had a XXXX and a XXXX XXXX a wound up in at XXXX XXXX XXXX hospital in XXXX, GA, a XXXX Hospital on XXXX XXXXXXXX fighting for my life on XXXX XXXX until XX/XX/XXXX. I took out a title loan to get the money which I loaned to Mrs. XXXX for the down payment on the vehicle they are seeking money on balance owed which I believe was around $ XXXX {$5600.00}. I talked to them about this issue, but insisted to ruin my credit which was at time when vehicle got repossessed and I couldn't do nothing to make sure Mrs. XXXX made the payments on said vehicle due to the fact on XXXX XXXX I was placed under XXXX for XXXX XXXX XXXX, for pulling a XXXX on a guy who was staying at Mrs. XXXX residence after the guy XXXX XXXX me after just getting out of hospital and was deemed XXXX after I got out if the XXXX facility, due to Mrs. XXXX false statements when guy called the cops on me. I do know that they resold said vehicle for an undisclosed amount, because the dealership told me that it was resold. Also, the creditor sent me a payoff offer to clear up debit to get off my credit FOR the amount of $ XXXX {$900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: I currently tried to resolve this problem with credit acceptance. I submitted a FTC report, and file a police report inregared to this auto loan. I requested this loan to be removed off my credit. I didn't open this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A