Date Received: 2018-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquires ran without consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received an initial written letter via mail regarding a debt I owe from XXXX, XXXX, and XXXX dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXXof each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95351
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have auto inquiries on my credit score that I never gave my consent to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A