Date Received: 2017-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I WAS TRAPPED INTO A CAR LOAN BUT WAS NOT ABLE TO APPLY FOR THE XXXX LAW. I KEPT THE CAR DESPITE COMPLAINING TO THE DEALERSHIP ABOUT THE CAR NOT OPERATING CORRECTLY, AFTER I PAID THE CAR OFF TWICE IN PRICE THE CAR STILL GAVE ME PROBLEMS. A SUMMONS WAS ISSUED FOR A COURT PURSUIT IN WHICH THE COURTS RENDERED THE CASE IN MY FAVOR. XXXX IS THE ONLY BUREAU THAT HAS NOT HONORED THIS DELETION
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They put repo on my credit report and I have my vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was in a accident on XX/XX/XXXX where my car was totaled. Because of this my insurance paid XXXX off of the loan on. There was a small amount left XXXX dollars left. I was contacted about the amount by Credit Acceptance which I told them they would be paid but I would need a car to get back and forth to work right away then I would pay them off afterward. I did asked if they could add the amount on to the loan with the new car if not I would have to get car first then pay the remaining balance off soon after. Honestly I could have waited for the settlement from the accident to pay it. It was almost paid off years ahead of time at 23 % interest. Even though I let them know of the accident they have called several times in a week sometimes in a day. They know the situation of me having been out of work for 2 months on doctor 's orders and even though I went back to work I would have to use my pay for the first couple of weeks to buy a car for work. We went to get a car XX/XX/XXXX and we have found out that they sent the balance to collections even though I have paid all the way up to the accident and then the insurance paid most of the balance. Credit Acceptance has been paid almost all of the loan except for maybe the interest by XXXX XXXX XXXX. I feel as a first time credit purchase this company has tried to strong arm into paying off the total balance despite the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2017-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in 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: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
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: 2017-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX, XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor, ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26508
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. Somebody please help me im at my wit 's end. Someone please do something!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A