Date Received: 2016-09-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: This complaint is to accompany my previous complaint regarding XXXX XXXX XXXX here in Wi. In addition to the loan packing and material misrepresentations made during the transaction, I want to make it clear that when I gave my financial information I thought I would have opportunity to do my own application for the auto loan so I could read the terms. Everything was printed up, filled out and decided before I ever entered the finance office. I DID object to the ancillary products but was told the warranty and gap insurance were required by the lender. POINT BLANK. This is evidenced by the fact that I called the next day to discuss cancellation with the dealership. Also, I have a witness to the conversation with the GM at which time he said he was so " sorry '' that the business manager told me I had to have the products to get a loan. That contract should have been re written immediately. XXXX XXXX ( GM ) clearly encourages employees to commit fraud. In addition, the salesman, the GM, the " closer '' ( I do not know his name ) and the business manager all told me they would refinance me after a few on time payments because I balked at the interest rate of 22 % ( which was actually 22.9 % ). While my credit is poor, it 's not like I was in the XXXX. Between the XXXX bureaus the lowest was XXXX and highest was XXXX. I now know that refinancing will only cost more. My loan is based on the rule of XXXX which is outlawed in many states. Apparently the loan was funded immediately which prevented me from payment amounts I had previously calculated, under XXXX per month. It is this type of predatory conduct that put me in this position in the first place. I was XXXX of the first in 2007 to lose everything due to XXXX XXXX, XXXX, etc. My issues with Credit Acceptance Corporation are the following : 1. Ignoring their duty to investigate dealerships they work with 2. They refuse to give me a recalculation after refunds 3. Possible pre payment penalties for products I objected to 3. Added fees for cancellation 4. I was sent a payment booklet with payment and terms as if nothing was cancelled. I was told " It aint gon na happen '' to get an honest recalculation. The rule of XXXX is so confusing even accountants rarely understand it. Everybody lied about everything said and document execution was very shady to say the least. There are only e signatures except for two things ... and those two things were hidden by a hand. I was under extreme duress because the dealership asked to see my check from my insurance company ( XXXX ) and REFUSED to give it back. I did absolutely ask the right questions, I am not an XXXX! My check was misapproppriated and " processed '' before the papers were even signed. This is what I was told and the lender does NOT CARE. It is my opinion that the dealership and this lender are making back door deals that harm consumers. This will put me right back into bankruptcy. I also want to know if there is a disabling device in my vehicle, the lender will not disclose this. How do they get away with this? If this is not conspiracy to defraud I do n't know what is. Please for the love of XXXX investigate Credit Acceptance Corp and XXXX XXXX XXXX. By the way, XXXX XXXX is on a feeding frenzy for people with poor credit according to all the ads and flyers. I found them on a XXXX link and their website calls for people that can qualify with NO CREDIT CHECK. I put myself into the computation ( after my car purchase ) and it seems with no credit check I should have under 12 % interest rate. Hmmm. The salesman told me they had " special loans '' for people on XXXX. That is why I went there in the first place. This is crime after crime and somebody needs to move on it. My loan is bad enough, however, if it is sold into securities who will care that nearly XXXX was refunded to the lender??? My payment book is the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-03
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: In XX/XX/XXXX I voluntarily returned my car to my creditor. I was sent a notice from the redemption department on XXXX XXXX to see if we could work out terms for me to get my car back, we could not come to terms on this matter. I never received any information on when or where my car would be sold or that it would be sold. Then on XXXX XXXX I received a letter of Disposition of Repossessed Vehicle. The letter stated that the car had been sold and that there was a deficiency of XXXX. In there calculations the started with a balance owing of {$9200.00}, and that they sold the car for {$2600.00}, leaving my obligation at {$6500.00}. My dispute is this, on XXXX XXXX I also received a letter from the company that I bought the car from stating that my balance owing was {$5500.00}, and by my calculations when I turned my car in I was at roughly the same amount. If I only owed {$5500.00} on my car if I were to pay it off directly then how can I possible owe {$9200.00} when I turned it in. There seems to be something legally wrong with the way they are calculating amount owed. Does interest on the loan not stop the day I return the car or the day they sell it. How can they have me owing almost {$5000.00} more than the payoff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2016-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-18
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97471
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-15
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-13
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: My husband purchased a car and never received a call from this company for about a year and when he did he was one day late with the payment they immediately threaten to take action and called constantly every hour on the hour when asked to not call on certain days or hours that he was at work. We have filed an insurance claim on our car due to {$800.00} in damage and the day that we left the dealership we had issues with the car they did n't want it back because it was their car. Now we 've had problems ever since. Credit Acceptance has been harassing us since we filed a claim for damage and we have to pay out of pocket for the damage to the car as well as the car payment so now they are threatening to repo it when I purchased the car it was {$7000.00} and I put nearly {$3000.00} down on the car this was XX/XX/XXXX it is now XX/XX/XXXX and I still owe over {$5300.00}. Our payments are at {$250.00} a month and my car is only worth about {$2500.00}. I do believe we were scammed out of money at one point because I remember paying a payment one time at the beginning of the month and about halfway into the month they called me saying I did n't make a payment and I paid the payment twice and they said they did not have it on record what can be done? This company has prevented me trading it in and refinancing a loan. In fact there are multiple recalls on this vehicle which is why I do not understand why the price was so high when I purchased it. The defects were still present when we purchased the car keep in mind it is XXXX Chevrolet HHR and we purchased it in XX/XX/XXXX those defects were already supposed to be fixed when we purchased the car. I really do not want this car and unfortunately neither the dealer nor credit acceptance would give me back my money for this car when I first purchased it and wanted to take it back the next week. I just want my money back and for the harassment and threats to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2016-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a XXXX XXXX XXXX on XXXX/XXXX/XXXX that was sold as a " Certified Pre-Owned '' from XXXX in XXXX XXXX, CO. The only finance company they said would work with us was Credit Acceptance Corporation with an interest rate of 18.99 % but could refinance it after a year. I do n't have enough space on this page to go into all of the fraudulent and horrible things that have been going on with this company but THEY are corrupt and need to be shut down! I needed a car so we did it. I asked for the XXXX and was told they would give it to me once the finance paperwork came back due to having to update me as a new owner but all Certified cars were XXXX owner, never wrecked, and eligible for an extended service contract. By the time we got the financing done it was about XXXX on a Saturday and was told they would have to wait for XXXX to write it up but they would give me my Buyers Order which shows the contract. During this time they told me that XXXX required I have a starter interruption device installed in the car due to being high risk which i was told could be removed after 1 year of good payments and I agreed to do it. I looked everything over and saw that they had charged me a {$25.00} emission fee and asked why that was on there. I was told it was an error because the vehicle is emission exempt and they would correct it when I came back for my completed finance paperwork because the lender would not put that on there. During this time I got a phone call that XXXX would only finish the loan if I added XXXX insurance and an extended service contract but that I had to sign the form it was my choice. I was told that I can refuse it but then they would not give me the loan and I would lose my {$1500.00} cash down plus mileage on the car so I was left with no choice. When I finally got my finance paperwork they had charged me for the emission test too! I asked why and was told that I had to call XXXX to have them remove it. I contacted XXXX who told me that XXXX put it on the loan so the charge was valid. I told them that it was exempt and asked to speak with their legal department. The amount on my finance paperwork is more than the amount on my Buyers Order but they said it 's legal. For over 2 years now I have been fighting the finance company about my loan. I have proof that everything about it is fraudulent including my extended warranty which I canceled and have still not been refunded for. The mileage on the vehicle is not correct according to all of my docs and would speak with " XXXX '' at XXXX who would give me a few days to come up with the proof he demanded or he would close the case. He closed my case about 10 times over the years. I finally sent him EVERYTHING and could not get a hold of him for months at a time and was told he was the ONLY person I could speak with. Once I finally spoke with " XXXX '' he said that he went over everything and there was nothing he could find wrong even though the car does n't show that I am the owner through XXXX or XXXX etc. He told me he was closing the case and if I got the proof that the car was exempt to let him know and he would reopen it. He said its only the dealers fault but they have to check the vehicles they lend for! I went to motor vehicle where it shows it was tested on date of purchase but it was n't so I went to the emissions place to get a XXXX report and the ONLY time it ever had emissions was when I was forced to do it on XXXX/XXXX/XXXX since it showed it in the computer through XXXX.It was reported fraudulently and are charging me for items they can't.I have been calling daily begging them to transfer me to the legal dept to speak with XXXX about this and was told that there 's a note on my file stating they are NOT aloud to transfer me to the legal dept since he closed it! I still faxed the proof with a letter but no return call. I have EVERY conversation on recording as proof too!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They cal upwards of 15 times a day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2016-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes