Date Received: 2018-06-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX FOR THE CUSTOMER SERVICE DEPARTMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Vehicle was damaged or destroyed the vehicle
Subissue:
Consumer Complaint: On XX/XX/XXXX we went to XXXX XXXX XXXX in XXXX Va to get a reliable used vehicle for our extended family since I was XXXX. The tire pressure light was on, a weird smell was in the car that we assumed at the time was a new car smell when the car is on u can smell a burnt residue from oil or something under the hood. By Thursday XX/XX/XXXX check engine light comes on. Cars rpm goes close to red which is over 4 by only driving 30 mph. And continuously increases as gas pedal is applied. Ran self diagnosis shift solenoid a stuck on ( permanent ) code p0752. Transmission control system ( malfunction indicator lamp request ) pending. Code p0700. Cylinder 1 misfire detected pending. Code p0301. Dealer takes car back until XX/XX/XXXX. Their resolution was to change spark plugs and coil pack which they denied receiving any solenoid or transmission codes and I have pictures of the codes. So they allegedly replaced the coil pack and plugs did not give a work order when requested. By Tuesday XX/XX/XXXX we got the car back the night of the XX/XX/XXXX because my husband works. Check engine light came back on immediately after driving the car to work 30 miles on the XX/XX/XXXX. Emailed XXXX XXXX XXXX and did a self diagnosis check again. Code p0420 catalyst system efficiency below bank 1 threshold. Current history mil. And code p0989 : transmission fluid pressure sensor switch e circuit low history. Car performance was the same as before. I was scared to have my kids in the car that was supposed to be our relief car. Rpm continues to shoot to red and this time car wo n't drive steadily or efficiently. Dealer determines catalyc converter is the solution and decides to replace it. During this time period I had a XXXX at XXXX XXXX of my XXXX XXXX from a XXXX XXXX. And I had no time to be emotional just to worry about this car. And Again no work order for the to give car is returned to us on XX/XX/XXXX, 16 days later. Upon getting the car back the front right headlight is out. Oil service light was on it was yellow with a wrench warning light instead of the normal red oil warning light. When my husband started the vehicle the front hood was smoking and smelled like burning residue. They offered a complimentary oil change and to replace headlight. On the XX/XX/XXXX my husband and I took the car to XXXX on a weekend marriage retreat so the car was parked the whole time at the hotel. Everything appeared to be running well. By XX/XX/XXXX the check engine light is back on gas light is on tire pressure light still on oil service light so multiple service lights on. Rpm shooting to red again car will not travel more than 45 mph and rpm steadily increases as gas is applied. As of XX/XX/XXXX we had the car a total of 11 days out of 31 days. So on the 12th day the same problem still existed. Took it to our mechanic before calling XXXX XXXX XXXX and he states exhaust problems and transmission solenoid. Called XXXX XXXX to take the car back they refused. I said I would call the finance company which is credit acceptance corp and he calls back immediately telling me they will cancel the extended warranty that is on our vehicle if we call them and nothing will get fixed and since it was past 30 days that they couldnt help. I explained to XXXX from XXXX XXXX we have only had the car for 12 days and he said it didnt matter but scheduled us to come meet him at XXXX XXXX XXXX at XXXX XXXX on the XX/XX/XXXX. He arrived at XXXX and sent us to XXXX XXXX in XXXX va to get the solenoid fixed. They have known it was the solenoid since week 1, but they pay the XXXX dollar deductible since the extended warranty had just kicked in and gave a loaner. Car was ready on XX/XX/XXXX. Requested paperwork from XXXX XXXX and they couldn't give us a work order either I dont understand why but they did inform us when they went to the XXXX dealership to plug up before fixing thr solenoid that the car had prior transmission problems which was not in our XXXX. Took car back Friday evening it was rough coming home and it was hissing. Called XXXX XXXX they sent us back to XXXXXXXX XXXX in XXXX and we deternined the hiss to be low power steering fluid and the roughness of the car was the transmission readjusting since they had to reset the computers. We went home. On XX/XX/XXXX I went to XXXX XXXX for the complimentary oil change we were promised and XXXX was not there XXXX his financial associate sent me to XXXX XXXX which they are affiliated to get it done. They didn't notice a leak or anything to my knowledge on that day. I started to notice oil blotches underneath where we park our car. Wednesday XX/XX/XXXX when my husband was off I decided to check all of the fluids and the oil dipstick was dry. So just 5 days after the oil change I took the car to XXXX to see what was wrong. They give me a paper saying oil leak. Front crank seal oil pan gasket and timing cover needed to be looked into. Idk how that happens in a 5 day period unnoticed but again the dealership works with XXXX they also do all of their inspections. So I call XXXX XXXX and they tell me its covered in my extended warranty and I told them I read that it was not. XXXX still insisted that it was. So I call XXXX XXXX in XXXX and he tells me it is not covered but of common courtesy he would check it out for me and he verified what XXXX had told me about the front crank seal tried to call XXXX XXXX back and XXXX never returned our call. So I made a XXXX review of every problem I have had and am currently going through on XX/XX/XXXX. XXXX calls me telling me that I'm a liar none of this ever happened and that my husband and I are both very bad people and kept on at me. And after everything I have been through within the last month I hung up that is not what I need to hear from anyone. My husbamd contacted the attorney general about this problem on XX/XX/XXXX. And the problems keep arising. Our other car does not run very well so I monitored the oil to take this same car to work didn't make it a mile from my house on Saturday XX/XX/XXXX at XXXXXXXX XXXX and all of the warning lights in the car flashed on and off and beeped 3 times like my car was about to shut down. I turned around took it home and I am scared to drive it. I was planning on fixing the crank seal this week but now I don't know what this new problem is so I have to put the money in my old car just so my husband and I can get to and from work. We are now paying for a car that we can not drive and even if the warranty would be eliminated after calling the credit acceptance corp it makes no difference at this point. It was a holiday weekend so my husband is planning on calling them today and hoping for the best. All we seem to get is bad news.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The vehicle was repossessed by XXXX XXXX XXXX XXXX, I paid the XXXX dollars via XXXX XXXX refference number XXXX and when I attempted to call in with the necessary info I spent an hour and a half on hold until they closed, now they will sell my truck and keep my XXXX I don't think that credit acceptance should get away with this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47714
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
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: Re : XXXX, credit acceptance ... ..XXXX, cfpb ; all reference appears to be in the co-signers name, XXXX XXXX instead of the " car owner 's '' name..reidun creamer, my daughter . quite clear is the premise of XXXX 's credit report, and quite clear is the company 's reporting to the credit bureaus ... .however, since CAC ( credit acceptance corporation ) is a high risk consumer acceptance company with 21 % or higher interest rate in Colorado to XXXX, with XXXX as co-signer ; and since duplication of any notices to either parties sent, minus any telephonic inquiries to either party wondering or stating that possibly an error in account numbers may exist and why would reidun buy this car with {$1600.00} down and make no payments whatsoever causing a repossession. If CAC would find presence and premise to show relief from reporting this account as a repossession on XXXX 's account, he can go forward with a VA home purchase. if the negative reporting remains, then both XXXX and XXXX may have no recourse but both filing Chapter XXXX bankruptcy, not using the CAC account as credit going forward. We do believe errors on both side exist, and possibly a solution can be seen to rectify and reward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2018-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: We purchase the XX/XX/XXXX XXXX XXXX last year in XX/XX/XXXX. The vehicle did not have the warranty so we brought a extended warranty. There have been several recalls on this vehicle. I ask them can we trade the vehicle and get something else which can even out the difference. They told me that I could purchase another vehicle and they said I would get another car so they appraise it and they assure me that I would not have put anything down. Then the next day they told me that I had to come up with some money, but you told me that I did not since you had all of these rebates. I feel this is bad business practice and that they knew this XXXX XXXX had no warranty but yet it was out on the parking lot for sale. We only had this vehicle for a year and put XXXX down as they down payment and it still has had 2 recalls within the past year. Also I want to add this we purchase the vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ten XXXX phone number is XXXX. The website is XXXX. This company is not providing the needs of the customer if the product is defective. I will have to wait several days in order for them to find out what is wrong with my vehicle but what is the vehicle breaks down ... I have to call them to find out if they have availability, yet the vehicle runs like a piece of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: My social security number was stolen from me to open fraudulent accounts under my name while I was in the Military. I lost my wallet with my social security number and do not know who open the fraudulent account in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Credit Acceptance account XXXX, have reported in my credit that i voluntary repo, i didnt my estranged husband jump on me and took my car in XX/XX/XXXX and i havent seen it since, ( call police and they told me it was his property as well even though he wasnt on the loan ) until one day he call and curse me out saying haha i turn ur car in, but when i call credit acceptance i was told that they didnt have my car and that i need to file a report, so a few days later the police confirmed that it was a voluntary repo, but wasnt by me about that time i finally got the company to admit they had it, it was sold and never was given any info how much it was sold for until seen on my credit, they havent reported since XX/XX/XXXX, this is and repo on my credit that could have been avoided if they wouldve admitted they had my car and i paid to get it out, but they didnt, now this bad Mark on my credit they just have here no updating just there, i tried to reach out to them plenty times with no help this is unprofessional and really dont care now since it been almost 5 years they lied to me that they didnt pick up my car i never volunteer them to do that as they report on my credit .. please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A