Date Received: 2018-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got an email from my payroll dept regarding a wage garnishment. The company XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Credit Acceptance not only calls multiple times a day, sometimes even twice within the hour, and from two different numbers! If that isnt harassment, I dont know what it. Just today, XX/XX/18 they called back to back, once at XXXX, and again at XXXX. Theyve done the same XX/XX/XXXX, XXXX XXXX from XXXX and XXXX & XXXX from their XXXX number. XX/XX/XXXX XXXX & XXXX from XXXX. XX/XX/XXXX, XXXX called at XXXX, and XXXX XXXX, & XXXX. This is just from the month of XXXX. This list does not show all the times they called in one day, but only when it was repeated in the same hour my two different numbers. They call numerous times a day.There are several other months this has occurred, but now its getting overwhelming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was the principal co-signer for my son on an auto loan with Credit Acceptance. On XX/XX/2018 when I contacted Credit Acceptance they stated the account was delinquent in XXXX. Why wasn't I contacted? I am the prinicipal co signer! Credit Acceptance did not advise me of delinquency on the account. As far as I knew the account was current. Credit Acceptance has a legal obligation to keep me informed especially since I was the principal signer. Credit Acceptance had offered an SFL offer of {$2400.00} valid through XX/XX/2018. We were going to honor that SFL offer and pay before XX/XX/2018. But instead of honoring their SFL offer Credit Acceptance on XX/XX/2018 illegally and unethically closed the account, sent it to collections and plummeted my credit score. I worked hard to build up my credit. In doing so I was going to purchase a car in XX/XX/2018. But since Credit Acceptances ' adverse action on my account, I won't be able to make my much-needed auto purchase. Credit Acceptance failed in their fiduciary responsibility by not keeping me advised of the accounts ' status, closing the account and sending it to collections prior to honoring their SFL offer valid through XX/XX/2018. These corrosive actions are simialr to predatory lending practices which are illegal. I want to be made whole!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Vehicle purchased XX/XX/XXXX.Vehicle was totalled XX/XX/XXXX, 1 car payment had been paid ( XX/XX/XXXX/XX/XX/XXXX ). Insurance adjuster made a settlement ( of {$9100.00} ) with the lender who accepted. The payoff at the time was {$10000.00}, Gap insurance should have covered the remaining $ XXXX.Another car payment ( approx {$260.00} ) was drafted from account, was told that because we didn't cancel autodraft it automatically took out the money and money would be refunded after account was settled and Gap insurance took over. Several phone calls were made to resolve this and refund the extra car payment. Then was told money would not be refunded and we still owed {$15.00} which has now been reported to both our credit reports, and that Gap would only cover {$660.00}, not the remaining {$920.00} at the time setrlement was presented and accepted and bwfore an additional car payment was drafted out of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2018-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, AND XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: XX/XX/2018 XXXX XXXX est Called Credit Acceptance regarding struggles with car payment. Inquired about options available and what I can do. Representative said I can do a " Voluntary Surrender '' Rep. said they pick up the car, sell at auction, $ from sale will go towards my balance. If it pays off my loan then I don't owe them, if the sale does not pay the balance I am responsible for it. I agreed to this option, as there were no other options provided to me by the rep. Furthermore the rep. asked me if the co-owner that is also on the auto loan contract agree with the " Voluntary Surrender '' I said yes ( rep. never asked to speak to the co-owner ) Rep. also explained that they will be calling me the following weak to arrange to have the car picked up! I called back a couple of hours later to make sure that the automatic payment was stopped since I was giving back the car. The rep. that answered said no it hadn't been canceled but that she would cancel it. I also asked if it was set in their system for my car to be picked up and she said " yes ''. XX/XX/XXXX I went to my car to clean in out but, the car was gone! I proceeded to call Credit Acceptance but they were closed however, there was a recording saying " if your car has been repossessed and you want to make a payment '' I now realized that this solution was a very bad solution. Monday was a holiday and they were closed. Wednesday XX/XX/XXXX I received a notice of seizure and personal property inventory in the mail from XXXX XXXX XXXX stating that they on behalf of credit acceptance they have repossessed my car and should I want any of my possessions I would have to pay a storage fee starting at {$70.00} a day.Immediately I called Credit Acceptance and spoke to 3 different reps. with one of the reps. saying that the very first rep. should have to about other options such as deferment, selling the car, and refinancing. However, nothing was resolved between this phone call and the 3 different reps. I contacted the XXXX XXXX XXXX and filed a complaint ID XXXX. I received a response via the USPS mail approximately 7 days later dated XX/XX/XXXX. The letter states that the Rep. explained what voluntary surrender was and that the tow company Summary of facts 1. Credit Acceptance Representative DID NOT explain what is all involved with " Voluntary Surrendor '' A. Show 's as a repossession B. Loan goes into default C. Negative impact on credit 2. Rep. DID NOT ask to speak to co-owner of vehicle. Rep. asked me if co-owner agrees with the surrender I said yes However, co-owner does not. 3. Rep. said that someone will be calling next weak to arrange to pick up car. Car was towed on XX/XX/2018. There were NO MISSED CALLS on my phone nor does my phone call records reflect any incoming calls. Moreover the letter from Credit Acceptance states that the tow company tried to contact me and this is simply not true. 4. Unable to retrieve personal items from my vehicle as I do not have the money to do so. I am sending this complaint to you in the hope that this can be resolved in a timely positive manner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My car was totaled after it was completely submerged under water during a thunderstorm. I had insurance and I was told to leave a signed power of attorney in the front seat of the car and that the car would be picked up. I did as I was told and someone came and towed the car away. Months later I received a bill for {$5900.00} from credit acceptance. I immediately reminded them that the car was covered with my insurance. I was told that the payment was never made and that there was no record that the car was picked up. I repeatedly filed disputes with no success. I finally passed the information over to my mother for help. My mother filed several disputes with credit reporting agencies and contacted credit acceptance to inform them that the car was covered by insurance. My mother was told that her dispute was being worked on and that the account would be updated. We both took this to mean that the credit acceptance error and false reporting would finally be corrected ; we were wrong. Credit acceptance removed the negative reporting from my Fathers credit report but they updated my report with negative information. They are currently listing my account as a Closed Collection account with a balance of {$81.00} and a schedule payment amount of {$210.00}. My mother called credit acceptance on XX/XX/2018 and informed them that I never received a bill for {$81.00} but that I was willing to pay the {$81.00} but the negative information needed to be removed. Credit acceptance informed her that the account had been closed and that my account status would not be removed from my credit report. They also informed her that she was notified on XX/XX/2018 that I would have a balance of {$81.00}. My mother told me that when she called and spoke with the representative about the account her focus was on the fact that the account was being falsely reported and that it was negatively affecting my dad 's credit report ( my dad cos-signed for my car loan ) and my credit report when it should have been covered by insurance. She told me that the representative explained to her that there was nothing she could do because the account was already being looked at due to the dispute my mom filed with the credit agencies. They told her that they would get the insurance information updated into the system. She does not recall them telling her that I would have a balance due after the insurance was paid. She definitely knows that no one told her that the account would accelerate into a legal collections account and close out with a balance due and be reported on my credit report fo the next seven years. Even if they verbally told my mother that I would have a balance, my mother is not ME. And, that does not negate the fact that they never put anything in writing to me about a balance. If I was aware that I owed {$81.00} I would have paid it immediately. During her telephone conversation on XX/XX/2018 with XXXX, A supervisor from credit acceptance, my mother was told that Credit Acceptance was not a collection agency. If they are not a collection agency then how are they legally able to list my account status as collection and are able to say that my account was accelerated into collection? If Credit Acceptance is able to legally list my account status as collection then they must abide by FCRA, Fair Debt Collections Practices Act ( FDCPA ) as well as the Fair Credit Billing ACT ( FCBA ) laws. Credit acceptance has violated the above laws in numerous ways including but not limited to Fair Debt Collection Practices Act which states that creditors can not report false and misleading information such as : Incorrect balance Missing information Incorrect credit limit High balance is lower than owed Late pays after an account was closed Please TAKE NOTICE that my credit report has been listing Credit Acceptance as a late payment since my car was totaled. Also, even after I notified Credit Acceptance, several times, that my account was covered by insurance they repeatedly and knowingly reported me with an inaccurate balance of {$5900.00} for over a year. They also reported my account status as opened and listed it as a charge off when neither of those things were true. In addition to these blaten violations Credit Acceptance violated FCRA law by not notifying me that they were going to report my account with them as Closed with a balance of {$87.00} and list the account status as Collection. In conclusion, I had insurance and I did everything that was asked of me. I should not be penalized for the next seven years because a company made a billing error and has been blatantly violating FCRA and FDCPA laws. All I want is for Credit Acceptance to do the right thing and remove the negative information from my report. If they choose to continue to report false negative account information after receiving my complaint through your company then, my next step will be to go to the Attorney Generals Office, XXXX XXXX XXXX and Small Claims Court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53132
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2018-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I would like to file a complaint against Credit Acceptance. Their collection practices are unfair, and feel like bullying. I am 3 days late ( due to hospital stay and the way payday fell ). It is XXXX XXXX. and they have already called me 7 times. I realize I am high risk or I would not have had to use this company, but I do not feel they should call more than once or maximum twice a day. The reps are very invasive, wanting to know how much your check was and why it was short. Please advise what I can do. I am to the point of wanting to find a lawyer if they don't stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38583
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A