Date Received: 2019-03-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have a fraudulent auto loan reporting on my credit that I did not sign for under any circumstances. This matter has been lingering around for sometime on my credit causing great hardship. My financial freedom has been limited for almost the past decade. I have no idea how this could have taking place without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This has been my third year trying to get credit accepance corp to remove a debt that is not mine. They have never provided me with any documents and proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit acceptance keeps reporting my account as delinquent, this account has been current as of XX/XX/2019. A {$820.00} payment was made on this day. A {$190.00} payment was made on XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: 1. XXXX did not show me the sticker price on the car. XXXX picked out a car and said, this is the only car we have for you to finance. 2. On XX/XX/2018, XXXX only gave me {$100.00} credit for my car. At that time my car was worth {$350.00}. On XX/XX/2018, XXXX gave me the Kelly Blue Book Price piece of paper ( attached in my complaint ) of {$6600.00}. 3. XXXX took my {$1500.00} down payment and {$100.00} for my car {$1600.00} down payment. 4. XXXX overcharged me {$1300.00} for car. XXXX inflated the cost of my car {$1300.00} and stole my money. 5. XXXX overcharged for extended warranty. XXXX charged me {$1700.00}. Those warranties are about {$350.00} a year. XXXX overcharged me {$1000.00}. 6. Letter from Credit Acceptance response to Consumer Financial Protection Bureau complaint says " As an initial matter, Credit Acceptance is an indirect financing company and DID NOT RECEIVE YOUR DOWN PAYMENT ''. This is my {$1600.00}!. 7.XXXX charged me 22.99 % interest on loan from Credit Acceptance. Usury. 8. My credit was not that bad. 9. XXXX refused to show me my credit score. 10. XXXX refused to give me a copy of the repairs- XXXX did before I bought the car. 11. XXXX refuses to correct all these scams they did against me. 12. XXXX took advantage of me big time. 13. I was robbed by XXXX. 14. XXXX defrauded me. Consumer Fraud against me the consumer.
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: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I received an auto loan from Credit Acceptance Corporation. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by Credit Acceptance on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with Credit Acceptance Directly, yet additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and Credit Acceptance is one of them. After looking into the payment history, I realized that Credit Acceptance has multiple 30, 60, 90 day late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with Credit Acceptance and that was in XX/XX/XXXX. I have tried to call CAC directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am writing to DISPUTE the balance of this loan. I am asking that i get the original signed contract to VALIDATE this loan is actually mine. I do not agree with the balance listed after repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After disputing an auto account from Credit Acceptance they continue to verify the account as mine even though I have submitted the police report that outlines the account as not my liability. The reporting of this account is causing damages to my credit rating and my image. I will continue to take necessary steps to have this account removed from my credit reports and my responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I brought a car from a car lot on XX/XX/2016. I have never had an original contract with Credit acceptance with my signature that I signed with them. This company keeps reporting the same balance of {$9200.00} to my credit bureaus since XX/XX/2016. I have asked them to send me a legal contract I actually signed with their company they can not produce it. I do not want the contract with the dealer I want the legal contract with my signature and date with Credit acceptance. They are rude and has never updated my updated amount. The company I purchased the car from said the car was {$10000.00} when I looked over the paper work it is for {$19000.00}. This company needs to be removed from my credit report I do not have an original nor new contract with them. I tried calling to discuss this matter but they are rude and do not allow me to talk. I have asked for the oringinal contract also payment history and they will not send me this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2019-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A