Date Received: 2018-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The nature of the problem is that I feel that credit acceptance took advantage of me. In XX/XX/XXXX, I went to XXXX XXXX to purchase a XXXX XXXX XXXX. I was paying {$290.00} on it and within a month, the car stopped and they told me they could not fix it. So I had to fix it myself. I believe they sold me a car that was auctioned off somewhere because it had a crack in the window and it started acting up as soon as I got it. I believe they deceived to think that they checked the car completely before they sold it to me and I also placed GAP insurance on it. After a few months from automatic withdrawal, they started adding on fees when I was late. Every time I was caught up, they added on more fees and they repossessed my vehicle twice. The first time, it was after hours around midnight which is against the law. It was suppose to be around business hours. I thought my car was stolen, so I filed a police report. After I had to pay {$500.00} plus the car note and extra fees, I was then able to get the car back but my nightmare wasn't over. They harassed me every single day from XXXX to XXXX and when I answered, the representatives were very rude and stressed me out even more. The second time they took, I voluntary gave it to them because the stress I had endured with giving them everything I had made me give up. I have a witness they will testify to all of this. Their practices are illegal and they do not inform their customers on procedures and terms of the contract once it has ended.They sold my vehicle for {$2500.00} and sued me for {$12000.00}. They started a garnishment in XX/XX/XXXX without any warning or notification to me to respond to the garnishment. It was placed on me by default, which I'm pretty sure they knew they would win. Because I was unaware of the garnishment about to take place, I was unable to answer and they won on default. My wages started getting garnished in XXXX and still getting garnished. I've been faced with getting evicted from my home, delinquent bills, no vehicle because of what they placed on my credit report. They have taken over {$6000.00} of garnishment from my paycheck. Based on the principal balance, I have paid off the balance that was explained that I had to pay. They told me XX/XX/XXXX, that I will not be able to have it removed from my credit report until attorney fees and interest is paid and that it wouldn't be done until after 60 days instead of 30 days based on the FCRA. This was not discussed to me when I was signing a contract with them when I purchased the car. They are getting over on me and have made my life a nightmare. I'm a single mom with XXXX kids, no car, and I desperately need justice for what they out me through. I'm seeking a resolution for distress and financial turmoil. According to my credit report, my balance is the only thing that is showing on there that had to be paid before it will be removed. Now, they are talking about attorney fees and interest and they are doing this because they won a judgement that was unfairly granted to them without my response to anything. I believe it is against the fair credit reporting act and against proper procedure of reporting the right amount for the debt to be removed from the credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Finance Company : Credit Acceptance Complaint : Alleged payment plan agreement date via company and repossession within a 30 day payment applied. Due to having a XXXX I was unable to handle normal business affairs of which my spouse assumed the responsibility of doing so. As a XXXX in XXXX XXXX I take my financial obligations most seriously but due to this unfortunate life event I became XXXX on my XXXX XXXX and XXXX XXXX XXXX. Upon stay at the hospital my truck was repossed on XX/XX/18 due to a due balance of {$340.00}. The company was contacted immediately on XX/XX/18 to obtain information as to why the truck had been repossessed of which they explain the {$340.00} past due. The truck has never been repossessed before. On XX/XX/18 my spouse money gramed {$800.00} to Credit Acceptance of which we are still trying to understand why {$800.00} for a past due balance of {$340.00}. My husband paid this amount and was told there was still a remaining balance that could be included in his monthly payment 's raising the payment from {$550.00} to {$600.00} for a total of 12 months which is still in error being a representative stated after that payment the balance due was {$150.00}. On XX/XX/18, Less than 30 days from the most recent possession the same company, XXXX XXXX visited our home to repo the truck again at XXXX XXXX of which we were clueless as to why and the repo driver knocked on our door stating he was confusing being he had picked the truck up prior less than 30 days and was very courteous. My spouse had planned to pay the newest payment on XX/XX/18 of which normal payments are not due until the XXXX of each month. On XX/XX/18 the company was contacted and the following staff were spoken too : XXXX ( rep ) XXXX ( supervisor ), XXXX ( supervisor ), XXXX ( supervisor ) and finally transferred to a manager XXXX whom we left a detailed message. All who indicated that repossession hadn't been reported and we should call the authorities to report the incident. This company alleges that my spouse agreed to make payments on XX/XX/2018 of which he disputes and has record of the actual recording. Why would a consumer pay {$800.00} plus on XX/XX/18 and then agree to pay XX/XX/18 on a holiday and less than 30 days from the last payment. I am disputing this alleged date agreement of XX/XX/18 and feel that the next payments should have fallen on the XXXX as normal. We were told a payment was expected on the XXXX as well as the XXXX which is a total discrepancy. The company is now stating that we owe {$800.00} dollars again to take possession of the truck which again has been less than 30 days. The desire and plan upon my retirement last month was to pay this vehicle off in XXXX but the repor of this company as a valued customer is diminished. We feel this was an error on behalf of Credit Acceptance and should be rectified. The only thing we should owe is the note to be paid with no additional feels added. We are furthermore inclined to believe that this company is over charging customers and possibly embezzling additional monies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased a XXXX XXXXXXXX XXXX on XX/XX/XXXX from XXXX 's XXXX & XXXX in XXXX, Texas. The vehicle was financed by Credit Acceptance at 22.01 % for {$22000.00} total amount of payment. On XX/XX/XXXX, Hurricane Harvey hit XXXX, Texas and I had to travel through floodwaters to make it home where I was trapped. I called Credit Acceptance on XX/XX/XXXX to report XXXXXXXX XXXX was in floodwater. I had full coverage insurance through XXXX XXXX and extended warranty protection through XXXX XXXX ( XXXX XXXX ), however, for FEMA disaster assistance, I was advised not to file a claim with the insurance companies. The XXXX XXXX trouble indicators lit up the dashboard. I took the vehicle to a local XXXX dealership, XXXX XXXX XXXX on XX/XX/XXXX, and diagnosis indicated Multiple DOC 's. I requested letters for both XXXX XXXX and XXXX XXXX in applying for Fema assistance stating I did not file a claim. I received a letter from XXXX XXXX stating they do not cover vehicle damaged by floodwaters. Credit Acceptance informs I had to file a claim with the XXXX XXXX because of Hurricane I missed the XXXX payment. XX/XX/XXXX XXXX XXXX agent XXXX XXXX in a recorded conversation total XXXX XXXX and was going to send a tow truck to retrieve the vehicle from my residence immediately, however, I requested paperwork to provide to lien-holder Credit Acceptance and was told to wait on XXXX XXXX agent for documents. XXXX agent XXXX XXXX read invoice from XXXX XXXX to determine months later the vehicle did not suffer from flood-water damage but needed a catalytic converter. XXXX XXXX provided a check in the amount of {$200.00} to cover my deductible for vehicle repair, stating they will cover the cost for the catalytic converter. I took the vehicle to XXXX XXXX XXXX XXXX on XX/XX/XXXX, and before they release the vehicle I had to pay out of pocket expenses in the amount of XXXX and the following Monday Credit Acceptance repossessed the vehicle. from my job
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2018-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On Friday XX/XX/XXXX at approximately XXXX Credit Acceptance Corp withdrew an unauthorized amount of {$390.00}. Again, on Friday XX/XX/XXXX at approximately XXXX, Credit Acceptance withdrew an authorized amount of {$500.00}. I called the customer service line at XXXX on Saturday, XX/XX/XXXX and was told by XXXX there was " nothing she can do for me to refund then near unauthorized {$900.00} taken '' from my bank account. XXXX proceeded to make me feel as though I was trying to scam the company, claiming " someone in your house processed two payments '' ( which I told her was not the case. Nobody was on the computer at this time ) and refused to help on the matter. XXXX then advised me to call my bank to dispute the charges as " there is nothing she could do ''. I proceeded to call my bank, XXXX XXXX, who were both surprised and alarmed Credit Acceptance would not assist me in the unauthorized payments. XXXX XXXX processed two disputes on both payments. I fully expect Credit Acceptance to accept these disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car. Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.
Company Response:
State: IN
Zip: 47304
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: My wife and I entered a contract to purchase a XXXX XXXX XXXX financed by Credit Acceptance ( housed near XXXX, Michigan ) on XX/XX/2018. As of today ( XX/XX/2018 ) we still owe {$27000.00} on the car, it's worth according to XXXX XXXX XXXX as of the same date is nearly {$20000.00} less than what we owe. I believe this contract is unlawful, fraudulent and unconstitutional. I do not believe it is legal to charge people nearly $ XXXX over the course of 5 years for a vehicle that is valued under {$10000.00}. In only five or six short months we have already paid nearly {$3000.00} in monthly payments, never late. These payments are in addition to the {$2500.00} down payment we paid at the time of purchase. We called Credit Acceptance to renegotiate the terms and we were met with rude remarks and disrespect. Surely our original agreement is illegal. There are loan sharking usury laws in place in this country and interest can not be astronomical. Please help. After further investigation it seems that XXXX and XXXX are subject to much higher interest rates on car loans due to discriminatory crediting practices. If my wife and I were a XXXX couple, we would have received a much better deal. This contract is illegal on many grounds and should be revamped or abolished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47304
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Not Liable, Car Was A Lemon, Repossessed. And Auctioned! Unfair And Illegal Interest Rate 24.99 % NYS! Requesting Credit Acceptance Corps To Delete and Cease To Exist Their Predatory Damaging Information On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX! First Formost Violated My Equal Credit Opportunity Act As A Consumer. And So Far Violated NYS ... Ucc Law 9 - 610, General Business Law 349, Gen. Oblig. Law 5 - 501 ( 1 ), Banking Law 14 a ( 1 ) And NYS Lemon Law In June/2012 In need of a car for work. I walk into one of Credit Acceptance Corps car dealership XXXX XXXX XXXX XXXX in XXXX NY with {$2200.00}. The car was {$12000.00}. They said they help me finance the rest at 14 % Interest. Unaware of loans and interest and there persuasionion tactics they had me sign papers for the car. I left the Car Dealer with two documents. # 1 Document ... Retail Purchase Agreement a break down taxes, registration and sevice contract, totaling {$14000.00}. # 2 Documents was registration and inspection papers.The car was a Severely Corroded and a Mechanical Lemon ... corroded undercarriage, transmission clucking noise and hard knocking in the engine. No one would honor the service contract because of the severe mechanical issues. I contacted Credit Acceptance Corps and XXXXXXXX XXXX XXXX XXXX the car dealer about the issues with the car to no avail they suggested that im responsible to get it fixed. Four years later XXXX i got sick missed a monthly payment. Without notice Credit Acceptance Corps Repossessed the car and auctioned it without giving me notice. In XX/XX/XXXX i recieved a collection notce from a law firm hired by Credit Acceptance Corps to collect some balance. That collection notice came with a # 3 Document i signed but was never given to me when i first recieve the other documents when leaving with the car XXXX. That third document had the true finance break down including the interest rate they charge me with which was 24.99 %. Once Again And Keeping It Briefly ... Requesting Credit Acceptance Corps To Delete and Cease To Exist All Their Info On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX. Not Liable, Car Was Lemon, Repossessed, Auctioned ... NOT LIABLE! PS ... NYS Consumer Affairs, NYS Attorney General, NYS Civil Suit and NYS Criminal Law ... ( Penal Law 190.40 ) Thank You CFPB!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A