Date Received: 2018-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 1 ) Credit Acceptance Keeps Increasing, decreasing and a third time increasing loan balance 2 ) Credit Acceptace is reporting that I've made 3 payments on loan when I never made 1 payment on loan due to a ongoing dispute. Loan date is XX/XX/XXXX, 1st payment was due on XX/XX/XXXX bunt never made payment due to dispute, yet they keep moving numbers around by saying I made payments or missed a payment Also disputed status not reported either.
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: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: This is a counter response to Credit Acceptance Corp made onXX/XX/XXXX Complaint ID XXXX 1 ) Credit Acceptance was aware of issues with car based on XX/XX/XXXX email from dealer, XX/XX/XXXX and XX/XX/XXXX diagnostic done by XXXX and finally a denial from warranty company. 2 ) Failed to disclose car was for rental use while discussing XXXX XXXX ran XXXX but left detail of rental use history. Is why I believe possible salvaged title. 3 ) Refused to acknowledge car sold way above market value and why only bank that would approve such a price. Terms were can only use Credit Acceptance with that dealer. 4 ) Dearler owned dates, sold to me dates and prior history owners not reflective on Title. XXXX XXXX ran not provided only verbal. All of XX/XX/XXXX my complaint was ignored despite several emails requesting complaint status. Only thing told was they are trying to get dealer to pay for repair cost. Was asked to provide car Diagnostics only a few days ago not giving me time to send. Instead stating I wouldn't send them. They are aware that I only have a few hours between work and that I would provide. Again only asked 4 days ago gave me 4 business days to send on an investigation that began XX/XX/XXXX. Credit Acceptance is falsely putting words in my mouth omitting an email onXX/XX/XXXX to dealer and dealers response ( They have had since XX/XX/XXXX ) which clearly shows I had no knowledge of issues with car other than what was described by dealer as wind roof rack noise.. wasn't until after sale and driving on the highway was it apparent something is seriously wrong. And it was!! Wheel Bearings. Wheel bearing noises are mostly heard when driving car at high speeds not the 35 MPH test drive speed. Email from dealer, XXXX Diagnostics all sent via email to Credit Acceptance Corp and despite all of that wants to blame me. Credit Acceptance Corp also attempted to convince me that a wheel Hub bearing and Hub Assembly is Normal wear and tear??? Should last the life of the car per XXXX. Is another reason I strongly feel their is more history to car not being disclosed and possibly salvaged. Warranty controled solely by Credit Acceptance and I have no rights to a denial, appeal or even cancelation of such a bogus warranty. I filed directly with FTC requesting to pick up complaint. All knew they sold me an Unsafe, overpriced vehicle with a interest rate not allowed in Michigan?????? Or Is it Florida??? Company has implied they are investigating in actuality they are only passing the buck. Attached Diagnostic of wheel Bearing failure XX/XX/XXXX from XXXX with Mileage well below the 1513 miles Credit Acceptance stated I drove before discovering. Clearly was discovered the evening of sale and on XX/XX/XXXX. Attached is the additional diagnostic done on XX/XX/XXXX, email to and from dealer, copy of warranty contract with no pre exsisting clause implied, picture of car still for sale by dealer on carguns website and that was way above value,
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: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan company said they did not receive payments. They were made! I was never notified of late payments! I want to know what happened to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61021
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX consumers. It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, XXXX, & XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX sold a XXXX XXXX XXXX to myself with a co-signer XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, they claim that I would have to sign a NEW CONTRACT and a NEW PROMISSORY NOTE ( # 2 ). We both resign the contract and I noticed that the original creditor never signed to contract anywhere. I tried to endorse the NOTE " Pay to the Order of the United States of America without Recourse '' originally but the resign was all electronic so i was not able to make the endorsement of the NOTE as I am the MAKER and Owner of the NOTE. The account was sold to CREDIT ACCEPTANCE CORP. I sent DEBT VALIDATION DOCUMENTS demanding that they validate the DEBT and they have failed to do so to this date. The COLLECTION AGENCY admitted that they didn't HAVE THE ORIGINAL PROMISSORY NOTE and I concluded that they do not have the RIGHTS or STANDING to collect the debt. On XX/XX/XXXX, CREDIT ACCEPTANCE CORP tried to ILLEGALLY REPOSSESS THE VEHICLE, resulting in myself hiding the vehicle until they can legally VALIDATE THE DEBT. I have recorded conversations with COLLECTOR where they claim they have a signed contract between myself, co-signer and CREDIT ACCEPTANCE CORP and have failed to produce any proof of a VALID AGREEMENT AND/OR CONTRACT. They are in DISHONOR!
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: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called XXXX XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I began a vehicle loan with Credit Acceptance aroundXX/XX/XXXX. I have never missed or been late on a payment. At the start of my agreement, the dealership setup my account with Credit Acceptance for auto pay ; The dealer entered the incorrect account numbers. I called credit acceptance consistently for 1 week to find out why the money had not been withdrawn from my checking account. Once they advised that the payment was returned I paid immediately using my debit card. InXX/XX/XXXX Credit Acceptance upgraded their website with actual account holder information ( previously you could only make payments and it was done through XXXX XXXX ). With their upgrade, when I went online to make my monthly payment, it shows my balance being almost {$1000.00}. I was shocked and outraged, when I called Credit Acceptance to inquire what was happening, the rep ( who was really nice ) advised me that my account has been reporting past due from the very first payment and that I have accumulated a multitude of late fees. After our conversation, I immediately checked my credit score and it was decreased by 150 points. I am outraged!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A