Date Received: 2017-12-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. And continue to call before XXXX XXXX local
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: 2017-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeatedly call 7days a week all day and night XXXX balance I informed them I had been sick.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: In XX/XX/XXXX three separate payments were deducted from my bank account - for the monthly car loan payment of {$200.00}. XX/XX/XXXX, {$220.00} was withdrawn from my account twice on that date : XXXX XXXX had GPS locator on my car plus the ability to lock it soI couldnt start the car - until I paid them the amount they demanded. On two other occasions in XX/XX/XXXX, they came to the parking lot where I was grocery shopping and proceeded to toll my car - they insisted that it would be tolled unless they got their money right then. also they said if I couldnt pay to call a relative or friend and they would have to have the {$200.00} submitted through XXXX XXXX by with a bank debit card - not a XXXX Credit card. the last time they came to the place I was staying early in the XXXX Around XXXX and put the car on the toll truck - with the strong warning that if the payment wasnt submitted right then - my car would be tolled and repossessed - so they did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account was open without my authorization Identity fraud. This account Must be Removed Fraud. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2017-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Credit Acceptance Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX account information : XXXX form : XXXX date : XX/XX/2015 I XXXX XXXX totally disagree with this charge, espcially with Credit Acceptance reporting {$3300.00}. I never receive a form from them, I been trying to fix my credit, I believe this is for Car loan that I never had, I had file a dispute a year ago to get this of my credit report. This Credit Acceptance are charging the wrong person, or someone had use my Social Security number for this, by all means I entitle CFPB to investigate in order to remove this account from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XXXX/XXXX/XXXX I went to XXXX XXXX because I needed a reliable car. I spent approximately 6 hours at the dealership that day, at one point leaving to pick up my XXXX XXXX XXXX at preschool and returning. I still had not seen the XXXX XXXX XXXX that I was informed would be the only car I would qualify for. At 7 pm, desperate to get out of there, go home and fee myself and my son, I was told the paperwork was ready to sign and I would be on my way. I had no idea what I was getting into, who the loan was through or even what the car looked like!! I felt like i had no other options at this point so I signed the papers and went out to see the car I had just agreed to pay $ XXXX for 48 months@29.9 % interest rate. I was sick to discover this car was going to need new tires among many other things. I felt like there was nothing I could do so I did my best to make the payments but it was impossible. On XXXX/XXXX/XXXX I contacted Credit Acceptance to explain what was going on and try to get lower payments by removing some of the add on packages that are very unnecessary. Unfortunately, instead of being able to do anything I intended, the woman was extremely rude and wanted to know where I was, where the car is at, what times I leave because they 're looking to take my car. I was told that if I could not come up with over {$800.00}, my car would be gone. She then suggested I borrow the money. I have no one to borrow money from so she said I needed to come up with at least {$410.00} by the end of the day. I ended up overdrawing my account to avoid my car being taken away while I was grocery shopping. I was transferred to another woman who wanted to withdraw another {$410.00} in 3 days. my requests to lower the payments, remove packages or anything to help make the payment affordable were just flat out ignored, not even acknowledged. They are completely unwilling to hear why I am unable to pay an outrageous amount for a car that is not even close to being worth that. They want to repossess the car and that is it. I want to keep the car, pay for it and improve my credit but this company is definitely not helping with that in any way at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A