Date Received: 2017-02-17
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had my auto loan set up on auto draft since the time I opened my account. Apparently in XXXX of 2016, Credit Acceptance started having a problem with my auto draft. They did not notify me of the problem until XXXX of 2016. By that time, my auto loan had reported 4 straight months of delinquency. I immediately paid them all of the payments, and we corrected the auto draft problem together. Now, Credit Acceptance will not correct my reported pay history, even though they did not even notify me of a problem with my payments being processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 XXXX???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-09
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on my CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-04
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2017-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-26
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes