Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: They didnt nothing about it they told me to call XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Credit acceptance charges a usury interest rate of 23 % that compounds daily. I did not agree to that rate or the incorrect financed amount they claim that I owe
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was out of work at the time because of XXXX XXXX. I was even homeless at the time me and my family. I told the company bout everything that was going on with me. So i try to talk to them bout what was going on with the vehicle. The XXXX converter was mess up and the vehicle had no heat. It was winter and we was in a snow storm with my family in a frozen vehicle move from hotel to hotel. They told me its nothing can do bout it i had to take it up with the car dealership but they was scam artist because they lost the company because of all of the complaints that was sent to them from other people. So i had no other choice but to give up the vehicle because i couldn't pay no more on it. So i choice to let it go because i had to provide for my family to get a home over our head. I really do thank them for help me get a vehicle and im sorry for let it go but my family come first before a vehicle. I just want it to be remove from credit. I understand it was a loan but people do go through hard times and i did go through hard times but XXXX help me to get back on my feet and back to work. I just want to start over with everything. I have even i report them to better business Bureau about the vehicle. If i can get a one time payment offer that isnt to high for me to get off and them off my back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This is documents for bankruptcy for the car loan, That Credit Acceptance day I owe .The car loan its in XXXX.Calvin XXXX got approved for car loan not me he has it in bankruptcy as we seek. It need to be remove off my XXXX credit not my debt. Remove it now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 1. XXXX XXXX is missing XX/XX/2019, andXX/XX/2019. 2. Credit Acceptance Corp. is missing XX/XX/2019 and XX/XX/2019. 3. Credit Acceptance Corp has been paid in full as of XX/XX/2019. 3. XX/XX/XXXX has not raised my credit score accordingly. All consumer fraud and violations of FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX my down payment was {$1000.00} and give {$1000.00} for the trade of my XXXX XXXX XXXX. The first financing was cancelled after XXXX weeks. I had to return to the XXXX XXXX XXXX and was subject to another credit check. I was approved by XXXX XXXX, I then had to put another {$500.00} down and my car payment went from {$200.00} to {$310.00}. I have since been making my payments. I received a letter via mail on XX/XX/XXXX from XXXX XXXX stating they were canceling the contract and returning the account to the Dealership. In the letter it does not give a reason for this cancellation. It states it would be removed from my credit line and that my car payments would be returned to the Dealership for me to pick up. I contacted the Sales Man from the Dealership and he knew nothing about such information. On XX/XX/XXXX at XXXX pm I contacted XXXX XXXX for information. I was advised by XXXX XXXX that a check for {$1300.00} had not been cut as of yet. The checks are cut on tuesdays and that it would be mailed on my behalf to XXXX XXXX. She looked through the notes and it was not stated as to why this was closed. I have since not spoken to finance office in the Dealership. I was advised by another Dealership that XXXX will try to make me pay for mileage and not return my money. I feel this is not fair practice in regards to my contract, as I am not the one the breached or cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The flood damage has compromised the cars computer and safety mechanisms, which poses significant safety hazards to me and my family.The vehicle became inoperable in less than a week with multiple malfunctions ; oil leaks, oil changes, break replacement, tune ups, electrical issues, engine replacement and repairs, temporary/expired tags and now the steering wheel shakes when Im driving the vehicle, and transmission stops and stalls while driving 70mph on the freeway. Due to the known inoperative various defects on the vehicle and the recall not being honored the car was in an rear-ended accident and the airbags did not deploy putting me and my family at risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/2019, I spoke with Credit Acceptance twice regarding my missing car payments XX/XX/2019 thru XX/XX/2019 on all 3 credit reports. They refuse to fix problem they created and violated Federal laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A