Date Received: 2016-01-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: making payment on time til job loss. making partial payment with agree ment of company every month, company repo vehicle without notice and the vehicle went to unknown location. repo was on XXXX/XXXX/2016. also please site for harrassing phone calls two and three times a day at least six days a week, sometimes XXXX right behind the other.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-14
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.
Company Response: Company chooses not to provide a public response
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for.
Company Response: Company chooses not to provide a public response
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchased a vehicle XX/XX/XXXX, reason : Old car was totaled which I myself was not at fault. So Knowing im not a people person due to personal issues. I purchased a car from a local dealer. Being a very busy single mom working and in vital need of transportation for myson to a collage prep XXXX school, and most importantly work means I needed a car fast. Went to a dealer I had done business with and trusted he was honest. Boy was I wrong!,!,! First he made an appointment to have me stop by and pick or look at some vehicles. I did they were mostly over priced. And not to clean. Simply not worth what I was willing to put down for a safe decent car with a lower payment and maybe a bit bigger since my children are still growing. I did find a car and was promised he would give me a great deal and {$4000.00} would be sufficient in addition to another {$300.00} which needed to be received by dealer right away. As promised I did all that was asked of me. I even felt with dealing with just men which kinda made me feel like prey. But I got over that and started to stress the lengthy issue and picking my son up on time. Well Later after my purchase I had some kinda issue with the car and could n't figure it found out from advance auto that there 's was a device in my car that would shut the car off if I was extremely late and avoiding them but I did one of that. I had direct payment. Also the first week my boss and auto body noticed small sounds and the drivers seatbelt work sometimes with great effort. In addition to that the sunroof started to have issues and one day I stopped at the dealership asked for or someone to look at the issue, and to my surprise a hooka pen. I do n't smoke XXXX. It cracked the plastic casing and the dealer had someone close it due to winter arriving and the peace that fell off should have been replaced. I started to make complaints regarding these issues .but nothing was done. Also it took a while but I did end up finding the lean holder and thinking that they were true to their mission statement I started to explain what was going on and the amount loaned was too much then my down payment seem to be something that would haunt me in this future. I explained that the car was having issues and also that I was extremely happy to find out who my Leander was because no one explained a thing to me. They did n't even know the small suv had an automatic starter till I expressed to XXXX XXXX. I was also very expressive regarding the machine in the car which could cause all types of strenuous issues especially for a person such as myself. Well long story short I 'm in XXXX and will on a journey to assist the fraud this company has done, The injustice done by signing binding contracts as if they were me .they took my car with my grandmothers vintage rosary and an old wedding bad hanging from my mirror and they also took my emergency kit. And last but not least the work I had done to my vehicle to fix the ball joints, have a new batterie installed fix major work to the AIr conditioner which leaked till I became frustrated and took this vehicle off the road. It seem like a great blessing when someone very close to my family. Notice the wrong that was taking place and how I was paying for a car I 'd driven for about five months. Being bought XX/XX/XXXX and taken off the road XX/XX/XXXX then in the shop being semi repaired due to my budget. But finally the car gets towed home I start to clear the fraud and misinturpitated information that has been used by insurance companies to deny me any insurance. Causing me to depend on fixing the van offered to me while I handle the situation with the XXXX Lincolm mix that I believe has been paid with the work I 've invested also cleaning it after the first day owning there was a devise installed without my permission. Now I 'm looking at contracts with my name signed? confused need help
Company Response: Company chooses not to provide a public response
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This loan has been paid and is only due for XXXX however XXXX and XXXX reports a $ XXXX balance due and it should report a XXXX balance like XXXX . In addition to that XXXX reports the loan " Charged Off '' for XXXX and XXXX. All Credit Bureau reporting across all three credit bureaus are inaccurate. This loan has been taken care of with GAP and a XXXX payoff leaving me with a balance owed of XXXX, which will be taken care of on XXXX/XXXX/2015, all XXXX should report the updates!
Company Response: Company chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes