Date Received: 2023-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My accounts were involved in a class action lawsuit and I wanted to go about getting it removed from my credit report. The dealership didnt let me know that I was being charged high interest rates because I had a low credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I been paying XXXX normal car payment and im still being charged late fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have two different contracts that I signed for my car loan. One is financing XXXX and the other is XXXX for the same car. I have tried talking to the company to get an understanding but Im getting no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: CREDIT ACCEPTANCE CORP HAS WORKED IN COLLUSION WITH THE DEALERSHIP TO GROSSLY OVERCHARGE FOR THE VEHICLE. THEY ARE DECEPTIVELY CHARGING ILLEGAL INTEREST AMOUNTS OVER XXXX %. CREDIT ACCEPTANCE CORP HAS REFUSED TO PROVIDE THE AGREEMENT THEY HAVE WITH THE DEALERSHIP AND PROOF OF THE PRICE THEY PAID THE DEALERSHIP FOR THE VEHICLE. THEY ARE ALSO CONDUCTING ILLEGAL DEBT COLLECTION TACTICS BY CONTACTING ME NOW 5 TIMES IN THE LAST 3 DAYS AFTER I HAVE TOLD THEM TWICE IN THE LAST 3 DAYS THAT I'M WAITING UNTIL I RECEIVE THE REQUESTED INFORMATION FROM MY CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINTS. THEY CONTINUE TO CALL FROM DIFFERENT NUMBERS MULTIPLE TIMES A DAY BREAKING FEDERAL DEBT COLLECTION TACTIC LAWS. THEY REFUSE TO PROVIDE THE REQUESTED INFORMATION WHICH PROVES THEY WORKED IN COLLUSION WITH THE DEALERSHIP TO VIOLATE NUMEROUS FEDERAL AND STATE LENDING LAWS. ON XX/XX/XXXX, I RECEIVED A SLOT MACHINE THEMED PULL-TAB MAILER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX, MI XXXX. BECAUSE I WAS IN DESPERATE NEED OF A VEHICLE, I CONTACTED THE DEALERSHIP, BECAUSE MY MAILER SHOWED THAT I WAS A " GRAND PRIZE WINNER ''. I WAS CONTACTED BY AN XXXX XXXX WHO WAS WORKING AT THE DEALERSHIP BUT WAS " A FLOATER WHO WORKED WITH SEVERAL OF THE XXXX XXXX LOCATIONS ''. HER PHONE NUMBER WAS XXXX. WHEN I SPOKE WITH XXXX, I WAS VERY CLEAR THAT THIS WAS MY VERY FIRST VEHICLE LOAN, MY CREDIT SCORE WAS LOW DUE TO LACK OF CREDIT HISTORY, THAT I WOULD ONLY CONSIDER PURCHASING A TRUCK OR SUV. BUT PREFERRED A TRUCK. XXXX PROMISED ME THAT THIS DEALERSHIP COULD HELP WITH MY NEEDS AND GET ME INTO A GREAT VEHICLE. I WAS ALSO VERY CANDID WITH XXXX ABOUT MY BEING XXXX. AND THAT I NEEDED VERY TRANSPARENT AND CLEAR COMMUNICATION. THERE WERE MULTIPLE TEXTS BACK AND FORTH CONFIRMING ALL OF THIS INFORMATION. ( XXXX XXXX THEY DON'T KEEP THE ACTUAL TEXT MESSAGE CONTENTS. BUT I DO HAVE PHONE RECORDS SHOWING THE MULTIPLE CALLS AND SHOWING THAT MESSAGES WERE SENT AND RECEIVED FROM HER ). XXXX STATED THAT I HAD TO COME INTO THE DEALERSHIP WITH MY MAILER TO ENTER MY MAILER CODE INTO THEIR LAPTOP TO SEE EXACTLY WHAT I HAD WON. SHE ALSO STATED THAT THEY NEEDED TO RUN A CREDIT CHECK TO SEE WHAT TYPE OF FINANCING THEY COULD GET ME. ON XX/XX/XXXX, I PROVIDED XXXX WITH MY NAME, SSN, AND INCOME VIA PAY SLIPS. SHE CAME TO PICK ME UP ON XXXX FOR AN APPOINTMENT AT THE DEALERSHIP. IT TURNED OUT THAT I HAD NOT WON THE " XXXX PRIZE ''. BUT INSTEAD, I HAD " WON '' {$2000.00} OFF OF THE PURCHASE OF A VEHICLE. XXXX AND THE SALES XXXX TRIED MULTIPLE TIMES TO PRESSURE ME INTO PURCHASING A XXXX XXXX. I TOLD THEM FLAT OUT TO TAKE ME HOME AS I TOLD THEM UP FRONT THAT I WOULD ABSOLUTELY NEVER CONSIDER PURCHASING ANYTHING OTHER THAN A TRUCK OR SUV. THE SALES XXXX XXXX XXXX XXXX, FINALLY TOLD XXXX TO TELL ME THAT THEY HAD AN AS-IS TRUCK THEY COULD GET ME INTO. IT WAS A XXXX XXXX XXXX XXXX WITH XXXX MILES ON IT. THE AIRBAG LIGHT AND TPMS LIGHT WERE ON. I WAS TOLD THAT THE TRUCK HAD AN OPEN RECALL ON THE XXXX AIR BAG RECALL. BUT THAT THE DEALERSHIP WOULD NOT FIX IT. ( DEALERSHIPS DON'T EVEN PAY FOR THE RECALL. THE MANUFACTURER PAYS FOR THOSE. I HAD TO TAKE THE TRUCK TO XXXX XXXX TO GET THE RECALL REPAIR DONE ). XXXX XXXX NEVER PROVIDED ME WITH A BUYER 'S GUIDE. THEY ALSO DID NOT DISCLOSE THAT THERE WAS AN ELECTRICAL ISSUE WITH THE DOOR LOCKS. THE REAR WHEEL WELLS ARE COMPLETELY RUSTED OUT. ( UNABLE TO SEE DUE TO PLASTIC FENDER FLARES ). I HAVE XXXX DIFFERENT PURCHASE AGREEMENTS WITH DIFFERING PRICES. ( NEITHER OF WHICH SHOWS THE {$2000.00} OFF THE PURCHASE PRICE ). THE TOTAL PURCHASE PRICE OF THE TRUCK AS SHOWS ON THE LOAN CONTRACT FROM CREDIT ACCEPTANCE ( AT 22.99 % APY ) IS $ XXXX, WHICH INCLUDES {$1500.00} AS A ( CASH DOWN PAYMENT BUT WAS ACTUALLY THE TRADE-IN VALUE THEY GAVE ME FOR THE XXXX XXXX XXXX I XXXX XXXX ). SO, INCLUDING THE SUPOSSED {$2000.00} OFF THE PURCHASE PRICE I HAD " WON '' FROM THEIR PULL-TAB MAILER IS {$21000.00}. THERE ARE NUMEROUS ILLEGAL STATEMENTS IN THE LOAN CONTRACT FROM CREDIT ACCEPTANCE CORP. INCLUDING STATEMENTS ABOUT ARBITRATION, AND EXCELLERATED PAYMENTS SHOULD I DEFAULT ON THE LOAN. IN A COMPLAINT I SUBMITTED TO THE MICHIGAN STATE ATTORNEY GENERAL, I RECEIVED A REPLY FROM CREDIT ACCEPTANCE STATING THAT THE CONTRACT STATES I WAS ABLE TO NEGOTIATE THE PRICE ( WHICH I WAS NOT ALLOWED ) I WAS TOLD THAT THIS WAS THE PRICE. THE DEALERSHIP REFUSED TO PROVIDE ANY INFORMAITON ABOUT XXXX ' OR TYPES OF DISCOUNTS. THEY REFUSED TO ANSWER ANY ADDITIONAL QUESTIONS. XXXX EVEN KEPT LOOKING OVER MY SHOULDER WHEN HAVING ME DO THE ELECTRONIC PAPERWORK, RUSHING ME ALONG. STATING THAT I NEEDED TO HURRY AND THAT THIS WAS ALL " STANDARD '' PAPERWORK. CREDIT ACCEPTANCE EVEN STATED THAT THEY CHECKED WITH THE DEALERSHIP WHO TOLD THEM THAT THEY DON'T SEND THESE TYPES OF MAILERS. I HAVE PROOF THAT XXXX XXXX DID SEND THESE MAILERS. THE LENDER PERFORMED PREDITORY LENDING PRACTICES AGAINST ME, AND WORKED IN XXXX WITH THE DEALERSHIP ( LOAN CONTRACT STATES THEY HAVE " AN AGREEMENT WITH THE DEALERSHIP '' ) TO GROSSLY OVERCHARGE ME FOR THE VEHICLE. THE DEALERSHIP ( XXXX XXXX XXXX AND XXXX XXXX ) ALSO PERFORMED DECEPTIVE/AGGRESSIVE SALES TACTICS, TAKING ADVANTAGE OF MY XXXX IN BEING AUTISTIC. REFUSED TO FIX AN OPEN SAFETY RECALL WHICH WOULD NOT HAVE COSTED THE DEALERSHIP A XXXX. IN LOOKING AT EDMONDS.COM AND KELLYBLUEBOOK.COM, THE VEHICLE IS WORTH BETWEEN {$2300.00} AND {$5700.00} WITH THE MILAGE ON IT. THE DEALERSHIP ALSO PERFORMED IDENTITY FRAUD BY NUMEROUS ADDITIONAL FALSE LOAN APPLICATIONS ON THE DATES OF XX/XX/XXXX AND XX/XX/XXXX. MANY FOR OTHER VEHICLES I NEVER SAW, HEARD ANYTHING ABOUT, OR WAS AWARE OF IN ANY WAY. THE ONLY VEHICLE I WAS SHOWN, KNEW ABOUT OR AUTHORIZED ANY LOAN APPLICATION BE APPLIED FOR WAS THE TRUCK I PURCHASED. MANY OF THOSE HAD REBUTTLE TERMS SENT BACK BY THE LENDERS WHO DENIED THE TERMS INITIALLY REQUESTED IN THE FALSE LOAN APPLICATIONS SUBMITTED BY THE DEALERSHIP. THE DEALERSHIP ALSO INFLATED MY INCOME AFTER I HAD ADVISED THEM OF MY CORRECT PAY AND PROVIDED PAY SLIPS TO THEM ON XX/XX/XXXX. I HAVE TRIED MANY, MANY TIMES TO GET THIS INFORMATION FROM THE DEALERSHIP. THEY REFUSE TO EVEN TAKE MY CALLS UNLESS I CALL FROM A NUMBER THAT IS NOT MY OWN. THEY EVEN AGREED ABOUT A MONTH AGO TO PROVIDE ME WITH AN ADDITIONAL COPY OF THE SALES AGREEMENT. THEY NEVER SENT IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: Back in XX/XX/2020. My car was repossessed by Credit Acceptance. During this time I was serving in the XXXX XXXX, XXXX XXXX. I understand under the Servicemembers Civil Relief Act ( SCRA ) that I have certain protections and rights regarding a repossession. However Credit Acceptance did not get proper authority or go through proper channels for the repossession. They also failed to give me any notice by phone, email or mail. I did not receive notice of the action taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX, I purchased my first vehicle. A few months after buying the car I had an unexpected job loss and was no longer able to make payments. I contacted the company in attempt to resolve the matter or come to an agreement. I attempted to voluntarily return the vehicle to the company but was misinformed by them, who claimed that voluntary repossession was not an option. Despite this, I willingly returned the car to the company, who then claimed on my credit that it was an involuntary repossession. At the time I did not know my rights and I did not understand that they were making false remarks on my credit. Later that same year, I attempted to contact the company to try and settle the account. Unfortunately, the amount they were willing to settle was outside of what I could afford and I was unable to settle the account at that time. Now, in XX/XX/XXXX I was finally able to contact the company to settle the account. I immediately paid the agreed upon amount the same day I contacted the company. The company assured me over the phone that the account was settled and closed and that this would be reflected on my credit and I would receive a letter in the mail as well. About a week or so later I received the letter in the mail stating the account was settled in full and that the lien was released. In early XX/XX/XXXX my credit score increased, reflecting the paid off debt. Then shortly after this, I received notification that remarks have been changed on my credit indicating that the debt is still owed and that the account with them is not settled which drastically reduced my credit again by XXXX points. I am highly confused by this, as I have the documentation showing the account was settled and I have always done what I could to respectfully communicate with this company and attempt to resolve the matter. I attempted to dispute the remarks with both XXXX and XXXX but they are claiming the company is " verifying '' the information which further shows that after I settled this account the company is still attempting to harm my credit for, seemingly no reason. I do not understand this concept that appears to be common with debt collection agencies to further harm people who have already experienced financial downfalls. Especially when the consumers make all attempts to communicate and resolve matters. This company has been paid and gains no further benefit by changing and adding remarks to my credit to further harm my financial independence. I have attached documentation showing that the company has been changing remarks after the date they were paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to seek clarification and verification regarding the reported late payment associated with my CREDITACPT account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Once again this corporation is fraudulent. I recently submitted complaints with the XXXX attorney General office and CFPB about this. They have failed to send me my car title and down payment back. I also submitted a complaint to XXXX XXXX, a compliance analyst with credit acceptance on XX/XX/2023. This corporation and the car dealership emailed and mailed 5 pages of the contract that I have never seen, acknowledged, or signed. The car dealer had control of the computer the entire time and did submitted and signed the contracts without my consent. All debts are prepaid. Federal Reserve Act 16 section 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Therefore, Credit Acceptance and XXXX XXXX XXXX XXXX. took the application or contract my signature was forged on to and gained lawful money within the contract. The money came from my XXXXXXXX XXXX XXXX, which means this car is paid off in full. I will not be paying you triple the money. You really think consumers are XXXX and don't know consumer law, but unfortunately I know and I will not allow you to take advantage of me. I am the CREDITOR, not you. You have not credited anything to me. I backed the demand for the money you received my XXXX XXXX XXXX, that only I am the beneficiary of. Please strap on your seat belt and be ready for this ride, because I will stop at nothing until I receive my car title and down payment back to me. I submitted a complaint to XXXX XXXX and she and XXXX XXXX have failed to respond within the 21 time frame I gave them, therefore I need that title and down payment sent to me asap at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please see the pdf file i have attached and read it to its fullest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm contacting you in regards to Account # XXXX with the company Credit Acceptance. I submitted a complaint on XX/XX/XXXX with the CFPB about this account, as a result Credit Acceptance agreed to close the account. According to the response on XX/XX/XXXX it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my XXXX account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with XXXX and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and XXXX due to the violation and reporting false information. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14606
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A