Date Received: 2015-12-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: 1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2015-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-18
Issue: Improper contact or sharing of info
Subissue: Contacted me instead of my attorney
Consumer Complaint: XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2015-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-13
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I had a car payment with Credit Acceptance Corpration. I was never late for years until I got a job transfer to New Mexico. The Credit Acceptance Corpration did not help me they made me feel I was a dead beat consumer. They finaly repo the car because I didnt want it anymore because there poor customer service and i paid them over {$10000.00} in intrest and fees and I still owe {$8000.00} and the car is only worth {$4000.00} I feel this is unfair and want them to renegotate the terms.
Company Response: Company chooses not to provide a public response
State: NM
Zip: 88007
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.
Company Response: Company chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-09
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2015-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-02
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Company response to previous CFPB complaint, raised additional issue. Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-15
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 49085
Submitted Via: Web
Date Sent: 2015-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector.
Company Response: Company chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes