Date Received: 2018-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting me.
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: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan. Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
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 highway 3.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 XXXX 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, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 14. I am currently receiving harassing calls from unknown numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company credit acceptance corporation reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I currently have a payment agreement with district courts in Michigan of {$40.00} a month with Credit Acceptance. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was in a no fault accident. I was hit from behind in a 4 vehicle collision in XX/XX/2018. and the car was not driving as it should have commerce agreed to pay car off in full credit acceptance agreed to communicate with commerce claims to get money for vehicle and commerce is giving me a hard time with paying off car so now credit acceptance taking attitude out on me threatening me to take to court and ruin my credit. I received about 2-3 calls a week after I asked them to please stop CALLING ME I HAVE NO POSSESSION OF VEHICLE. XXXX XXXX agreed to pay off car so they need to deal with commerce I have not had this vehicle since XX/XX/2018. I explained manny times this has affected my health drastically and interference with mental health causing more medical issues because of panic attacks and harassment. I explained I get XXXX social security not working. They are inconsiderate and yell and argue with me like crazy people in Street. Unprofessional and inappropriate customer service. They always say OWELL YOU REQUESTED LOAN NOT US.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: The fees associated with the auto loan in question were not detailed. The amount owed never seemed to decrease through the loan term.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Credit Acceptance lied on several occassions 1 ) Stated dealer would cover repairs XX/XX/18 phone call 2 ) Not mechanical issue and wear and tear my problem even though car sold in such poor condition and unsafe. 3 ) I never contacted them see response XX/XX/18 by credit Acceptance and my attached phone log. 4 ) Lied in second response on when diagnostics received and requested and asked I send via a unsecured network. XXXX email address provided and diagnostics sent. Was told after sending that network not secure. 5 ) Car would not have purchased if a warranty wasnt provided and again warranty had no pre exsisting clauses and implying I had knowledge of issues is also untrue. Dealer agreement with Credit Acceptance reguarding implied warranty being overlooked by Credit Acceptance for this case. Is online to see. 6 ) Last response lied and all capabilities to get information on account status, payoff suspended right after submitting a false respone that is available and current. 7 ) Calling Customer Service and they refuse to answer any questions requarding account and said will only send letters. 8 ) Stated polies and procedures to prevent high mark ups in place but failed to state what and provide system uses to have prevented. Link attached 9 ) Contract never provided and on camera at dealership 10 ) Company retaliation, harrassment for fililing 11 ) States Credit reporring correct and no proff and XXXX XXXX isnt accurate? It is updated in seconds and very accurate. Still mis reporting credit balnces and major increases and decreases prior to any payments. Refusal to update recent payments or discuss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. Company is retaliating for having filed a complaint. Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A