Date Received: 2018-09-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchase a car for son from XXXX XXXX used car I was finance with credit acceptance for amount that I was not aware about and now I can not afford it I try over and over to refinance this balance but unable to please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
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: I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Loan is from XX/XX/2010, car was returned to creditor, loan was discharged. Tradeline should have fallen off credit reports because the debt was too old to be reported according to credit bureaus. Credit Acceptance has continued to update the debt to reflect a more recent delinquency to avoid removal from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I submitted payments of {$800.00} dollars to Credit Acceptance Corp in regards to a loan I aquired on a used car. The monthly car note is that of {$520.00}, and I made the initial {$800.00} payments as a safety net for if I came upon financial hard times. As of XX/XX/XXXX, I have been unable to make the {$520.00} payment, so I contacted Credit Acceptance and asked that the initial over payments of {$800.00} be applied to the car note currently due, and I was informed by Credit Acceptance that those initial {$800.00} payments were deffered back to the account from which the came. Credit Acceptance Corp has not provided me with any proof that those payments were deffered however, and are currently charging me late fees that have succeeded my monthly car note, placing me further in debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2018 I paid off my existing collection account with Credit Acceptance in the amount of {$190.00}. My account number is XXXX. When I paid this account off in full I was told that all three ( 3 ) of my credit reports would reflect that the account was paid and closed and would do so XX/XX/2018. Well that is not the case because I checked all three ( 3 ) of my reports on XX/XX/2018 and Credit Acceptance reported to XXXX, XXXX and XXXX that I still owed a balance and charged off. I called Credit Acceptance to resolve this and the CSR told me it would be fixed. Credit Acceptance has yet to fix my credit reports with XXXX and XXXX to show this account paid and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have made arrangements through Credit Acceptance 's attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. Instead of reporting that the account is paid with a XXXX balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. I have emails from Credit Acceptance 's attorney as well as all other documentation that we agreed before payment was made. This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I am a XXXX, so I often spend periods of up to 9 months out of the country while I am on a ship. While I was at sea, I wanted to fix my credit, so I paid everything outstanding off. When I got back to shore at the end of 9 months I went to buy a car. In XXXX I went to XXXX XXXX of XXXX Mississippi and bought a used 2013 XXXX XXXX. They said that although I had nothing negative, and a {$2000.00} down payment, I didn't have enough positive credit to finance a used car. I said there must be something they can do, so the car dealer called Credit Acceptance. First of all, I believe the loan amount is not what I agreed to pay. The car itself was around {$4000.00} on the lot, and the financed loan amount according to Credit Acceptance is more than {$13000.00}!!! OK, so I called and told Credit Acceptance about it, and they said it would get straightened out and in the mean time I should continue making payments. Every time I would call and let them know that I thought the financing amount was wrong. They accepted my payments, and accepted my payments. I even paid a bit extra trying to pay down the loan. This continued for several months until one month I went to go pay and they wouldn't accept my payment - they said they were no longer handling my loan anymore and provided no additional information!! They didn't contact me, they didn't tell me who I needed to start paying, they couldn't tell me my payoff amount or anything - they just said they were no longer handling my loan. Not only that, they said the amount I paid early they had made a check and sent that back to the dealer, XXXX at XXXX XXXX!! I called the dealer, and they said that Credit Acceptance had sent them a check for the difference in my payments! They didn't say how big the check was, or if the car was paid off. I emailed the dealer trying to get something - anything - in writing, and I got nowhere. I can see on my credit report I have a XXXX point drop, as I was trying to refinance at the time and was completely unaware that my loan was being sold. I am very upset at Credit Acceptance for selling my loan, sending the DEALER back my " overpayment '' and not notifying me AND doing nothing to straighten out the wrong loan amount. I would like to OWN the car but at this point I don't even know who to pay!! Although I once talked to XXXX on the phone, he said to email him, so I emailed him and he never responded - I have tried to call repeatedly and not gotten through to XXXX again. Another issue is I was charged a title transfer fee and I believe I was charged twice - once at the dealer and then again when the same amount was rolled into the financing. I am currently at sea, and can't even drive the vehicle and very annoyed that they sent my " overpaid '' money to someone and won't even tell me the amount or how close I am to paying off the loan. This situation is outrageous! Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/XXXX I bought a car XXXX XXXX XXXX XXXX XXXX ) from ( XXXX XXXX ) a dealership in Maryland , the car was financed by CREDIT ACCEPTANCE. I asked for the price of the car but was not told. The dealer only told me my monthly payment. He said the total Im financing was {$17000.00}. With a monthly payment of {$530.00} which was scheduled for a spilt pay of XXXX every two weeks. First I was told I will not pay until after a month, which my account was debited only one week after, this took my bank account to overdraft. This was the first fraudulent action From CREDIT ACCEPTANCE. I called to question this action, this was when I was told that my balance is {$29000.00} for a XXXX XXXX XXXX. I object and they said there was nothing I could do about it. That I already signed up for it. I told the associate that I never signed a single paper. Everything was done on their computer, it was late at night, I couldnt read the whole long text. I just trusted the auto giant associate who was explaining to me. Since XX/XX/XXXX Ive been making this rigorous payment and Im earlier this year I was out of job for one month which made me had a past due and I got into my car one morning and my car has been shot down. This was the first time I found out that CREDIT ACDEPTANCE had a tracker on my car without my consent. I called them and it was remotely turned on after I made a payment that morning. I missed my job and was totally messed up. This year alone my car has been turned down 4 times. My grieve right now is that I was told as at purchase that I will be eligible for refinancing as at purchase. I called them XX/XX/XXXX that I want to refinance and they said I cant that they dont do refinancing. This was absolutely different from what I was told upon signing. So Ive been paying XXXX XXXX monthly on this car without the opportunity of refinancing. They stock me up with this killing rate and with all this rigor, Ive been assulted and embarrassed by credit acceptance associate on several occasions. Theyve taken so much aggressive action on my turning down my car without notice or warning. Today XXXX of XXXX, Ive been seeing call from credit acceptance the whole day but couldnt pick up because I was at work. At the 5th time of calling me consecutively I was forced to pick up. And this lady was very rude, disrespectful and uncultured to me. Ask me to be quiet 4times in the conversation. I tried to pour out my concern to her but she never listen. She called me saying I have past due and my car will be turned down. I explained to her that I just made a payment as scheduled for me to pay on the XXXX XXXX which was a day before this day. She said a new bill has rolled over and I said Im aware but Im telling you I just made a payment yesterday. How do you call me to threaten me to turn down my car if I dont pay today when I just paid {$300.00} yesterday. All effort to convince her was abortive because she will not listen. I like to emphasis that this will not be the first time Ive been harrassed by credit acceptance associate. And I demand a review of my payment or cancelation without charge or report on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A