Date Received: 2016-10-21
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I am once again having a issue with the way that this finance company handles accounts. I have a vehicle loan with this company and it seems that they are more interested in taking car back than assisting customers. I have had this loan and worked very hard to get my account caught up. Once it was caught up I was injured at work and needed to miss payment while waiting for short term payments to start. I called to see if my payment can be deferred to the end of my contract or held for a month until payments started and no one at company was willing to help. The only reply I get from them is that my car will be shut off and picked up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2016-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I am late with my car payment. I called Credit Acceptance Friday XXXX XXXX, XXXX and made a payment arrangement for Friday XXXX XXXX, XXXX. I explained to the repersentative that I had just started woring full time and would get my first check on Friday and I could make the payment. Today I went to drop my daughter off and my car would not start. I called Credit Acceptance and asked if they disable the car and was told they did not. I called 3 times and each time the rep acknowledge that I had a payment arrangement for Friday and asked me if I wanted to make a payment then. I explained why was calling and each time I was told they did not disable the car. The last person I talked to I told her that I had someone to look at it and was assurred it was the realy switch. I was put on hold for about 5 mintues. When the rep returned she said she was trouble shooting but could n't get a response. I was told to have the car towed to the dealer and have them to look at it to see if it was defective. If it was n't I would have to pay for whatever was wrong with the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-14
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... I call that stealing.
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: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have an auto loan with Credit Acceptance Corporation. I advised the company that I am unable to make my payments on the XXXX of each month and needed to change it to later in the month so that I can pay my rent and other bills on time. I was told the due date ca n't be permanently changed but I can request a due date adjustment each month if I need one. I have been adjusting my due dates a day before they are due to ensure payment is receive on the adjusted due date. I recently received a call from the company stating that I have 2 months of late fees for the last two payments I was allowed to adjust. I was advised by the company that even though they allow me to adjust my payments to when I can make them I am still responsible for a late fee if the payment is received after the XXXX of the month. I advised the company that my contract states that if my payment is received after the XXXX a late fee will be assessed. However, the contract does n't state that if my payment is adjusted to a later date with the companies permission that I would still be assessed a late fee. I advised the company that the only reason my payments would be made after the XXXX would be because that is how I am paid by my employer. I also told the company if I am given permission by the company to adjust my due date to a later date that may possibly be after the XXXX of the month depending on how I am paid I should not be assessed a late fee. The company basically blew me off and said " Just make sure you pay on time ''. The only problem with this is if I was allowed to permanently adjust my due date to later date in the month I would n't have to worry about making my payments late. I would also not have to worry about being charged and harassed about a late fee when I was given permission by the company to adjust my payment to a later date. I would like for any late fees to be waived and I would like to permanently adjust my due date to a later date in the month that allows me to pay all of my bills without any issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " XXXX XXXX XXXX XXXX '' )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20019
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I GOT MY CAR FINANCE FROM CREDIT ACCEPTANCE ON XXXX XXXX .I HAVE MADE PAYMENT TO CREDIT ACCEPATANCE ON XXXX XXXX XXXX XXXX 2016 XXXX XXXX 2016 XXXX XXXX 2016 AND RECENTLY ON XXXX XXXX 2016. THEY SENT ME A TRANSACTION REPORT THAT SHOWS MY PAYMENT THAT I HAVE MADE SO FAR. WHICH INCLUDE NEW CAR LOAN SET UP ON MY CREDIT REPORT AS XXXX XXXX 2016 AND PAYMENT THAT SHOWS FOR XXXX, XXXX, XXXX AND XXXX BUT NOT THE XXXX PAYMENT SINCE I MADE A PAYMENT IN XXXX AND THE TRANSACTION REPORT IS DATED XXXX XXXX 2016. ACCORDING TO THE TERM OF MY CAR LOAN. MY CAR PAYMENT ARE DUE BY THE XXXX OF EACH MONTH WHICH I HAVE BEEN MAKING SINCE XXXX OF 2016 AND THE CREDITOR AGREES TO THAT. CREDIT ACCEPTANCE UPDATES MY CAR PAYMENT ON THE 15 DAY OF EACH MONTH TO THE CREDIT BUREAU THAT WOULD BE XXXX XXXX, XXXX AND XXXX. I HAVE DOCUMENTS TO SUPPORT THAT THEY HAVE NOT BEEN UPDATING MY CREDIT REPORT TO XXXX XXXX. I AM MISSING MY LAST PAYMENT THAT WOULD SHOW ON MY XXXX XXXX CREDIT REPORT FOR THE MONTH OF XXXX AND FOR THE MONTH OF XXXX AND WHEN THEY UPDATE MY CREDIT REPORT ON XXXX XXXX IT SHOULD ALSO SHOW THE PAYMENT FOR THE MONTH OF XXXX OF 2016. WHEN CREDIT ACCEPTANCE WHO CLAIMS THEY UPDATE MY CREDIT REPORT ACCURATLY. IVE DISPUTED THIS WITH XXXX BACK IN XXXX OF 2016 AND I GOT THE RESULTS BACK ON XXXX XXXX 2016 THE BALANCE THEY STATE I OWE IS XXXX WHICH IS INCORRECT. THE BALANCE FOR THE MONTH OF XXXX AND ACCORDING TO MY XXXX AND XXXX CREDIT REPORT IT SHOWS XXXX IS THE BALANCE. WHEN YOU LOOK AT THE REPORT I AM MISSING A TRADE LINE FOR XXXX ON THIS REPORT AND IT SHOWS A PAYMENT FOR THE MONTH OF XXXX AND A PAYMENT FOR XXXX. ON THAT REPORT IT STATES AS FOLLOW DATE UPDATED XXXX/XXXX/2016 LAST PAYMENT MADE XXXX/XXXX/2016. SO I AM LOOKING AT THIS REPORT AND I DONT SEE A LAST PAYMENT FOR XXXX/XXXX/2016. ALL I SEE UNDER THE RATING WHICH STATES OK IS AS FOLLOW XXXX OK FOR THE MONTH OF XXXX AND XXXX FOR THE MONTH OF XXXX. SO I CALL XXXX XXXX AND THEY STATE THAT THEY ONLY RECEIVE PAYMENT FROM XXXX AND XXXX BUT THE REPORT DATE STAES AS XXXX/XXXX/2016. ACCORDING TO CREDIT ACCEPATANCE WHICH I HAVE MADE I MADE MY CAR PAYMENT FOR XXXX, XXXX, XXXX SINCE THE OTHER PAYMNET WOULDNT POST YET IT SHOULD BE SHOWING XXXX CAR PAYMNETS AS FOLLOW. XXXX FOR NEW CAR, XXXX XXXX PAYMENT WHICH I MADE ON XXXX XXXX 2016, XXXX I MADE A CAR PAYMENT ON XXXX XXXX 2016 BUT I DONT SEE MY CAR PAYMENT FOR XXXX 2016 BUT THEY SAY THEY UPDATED THE REP [ ORT ON XXXX XXXX 2016 THAT WHEN THEY UPDATE TO ALL XXXX CREDIT BUREAU. ACCORDING TO THE LETTER I RECEIVE FROM XXXX AND XXXX XXXX SO WHERE IS MY PAYMENT. I RECEIVE MY XXXX CREDIT REPORT ON XXXX/XXXX/2016 AND IT STAES AS FOLLOW BALANCE SAME AS EARLIER CREDIT REPORT XXXX/XXXX/2016 XXXX THEY DIDNT UPDATED THIS CREDIT REPORT ON THE 15 DAY OF THE MONTH WHICH THEY ARE SUPPOSE TO DO. SAME AS THE EARLIER CREDIT REPORT DATE UPDATED XXXX/XXXX/2016 LAST PAYMENT MADE XXXX/XXXX/2016 I AM MISSING MY LAST PAYMENT MADE FOR XXXX AND XXXX. LIKE I SAY I HAVE ALSO XXXX XXXX CREDIT MONITORING ACCOUNT AS OF XXXX XXXX, 2016 THE BALANCE STILL REMAINS AT XXXX WHICH STAES THEY HAVENT UPDATED THE CREDIT REPORT AS OF. SECOND WHEN YOU LOOK AT MY PAYMENTS THAT WOULD SHOW ON MY CREDIT REPORT IT SHOWS AS FOLLOW. NEW CONTRACT FOR XXXX LAST PAYMENT MADE WHICH STATES OK IS FOR THE MONTH OF XXXX 2016 AND XXXX 2016. NO PAYMENT FOR XXXX AND XXXX 2016. I AM DISPUTING THIS ACCOUNT ON HOW IS BEING UPDATED. I AM DISPUTING THE BALANCE OWE IT SHOULD STATE THE BALANCE OWE LIKE ON MY OTHER REPORTS NUMBER XXXX I WANT CREDIT ACCEPTANCE TO UPDATE MY LAST PAYMENT THAT I HAVE MADE TO THIS ACCOUNT. AS YOU SEE IT SHOWS FOR XXXX AS NEW CONTRACT AND IT SHOWS FOR XXXX AND XXXX. THEY NEED TO LIST THE MONTH OF XXXX AND XXXX THE SAME WAY THAT SHOWS OK AS IT WAS PAY FOR THOSE MONTHS. DATE UPDATED NEEDS TO REFLEX AS CURRENT PAYMNET MADE FOR XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: this was filed in chapter XXXX and should be removed off credit report as promised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-22
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i called Credit acceptance and advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. ( However the I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigated. finance company verified the account anyhow without my consent ) I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigate. I constantly have to call the finance company about the mattet in which speaking with XXXX today basically stated oh well im stuck with the deal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No