Date Received: 2018-07-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina. 3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.
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: 2018-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: 1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the XXXX XXXX.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon PVM closing. 10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 13. In return, Credit Acceptance accepted a forged fraudulent contract from XXXX that I never executed ( See Attachment ). I never gave {$2000.00}. I furnished XXXX {$900.00} cash. I am confirming that I NEVER authorized a electronic application to be submitted on my behalf ( See attachment ). Credit Acceptance stated and informed me that they conducted an on-site visit to XXXX when they were operating however, Credit Acceptance NEVER provided confirmation of what agent, time and date conducted such a thorough investigation of the dealership XXXX. All documents submitted to Credit Acceptance were electronic forged signatures. Credit Acceptance continues to honor the electronic submission without due diligence and transparency to consumers ( me ) .. Credit Acceptance continues to report inaccurate damages to my credit report in which I have no vehicle to date and can not purchase a vehicle due to Credit Acceptance unverifiable credit reporting based on the dealership ( XXXX ) deception and fraud practices. Credit Acceptance is reluctant to explain in detail my concerns and resolve dealership fraud. I have no vehicle and Credit Acceptance have no clue of where the vehicle is located, but they continue to harass and forward me letters stating I owe $ 4,000+ money to them. From my understanding, all other dealerships would have confiscated the vehicle, sold it, and forward me a judgment for the difference. I have not received nothing to date. I would like to detailed explanation addressing my concerns in detail.
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: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I had a credit loan from Credit Acceptance over 22 years ago and they have taken in tax money over {$3000.00}, but will never report. Will not come off my report, my life has had denial, from any type of loans for over 22 years, for Credit Acceptance continues to have other agencies buy the account since and continue to harass my life, still continuing today XX/XX/2018. Big affect upon my credit scoring and report appearing two times, as of XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.
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: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A