Date Received: 2015-10-06
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22601
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-21
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-17
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: I bought a vehicle from a dealer in XXXX NY, AND they give me a New jersey, plate which was a fake license plate, and l got arrested, And they had no explanation for me, So i tell them i will like to return the vehicle, which I did, Come to find out they were some scam dealers
Company Response: Company chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-13
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2015-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-12
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I BUY DEALER CHOICE IN XXXX CA I TEST DRIVE THEY KNOW ABOUT IT I TEST FRONT SHAKING THINK TIRE I PUT DOWN XXXX AND DEALER PUT DOWN XXXX I ASL FPR WARRTY HE SAY WAIT FINISH SIGEN ALL PAPER LAST MIN ( ASIS ) SHOCK HE SAY NO WORRIED BRING CAR I DID FEW TIME NEVER DID FOOLISH ME I WENT TO SHOP FOUND OUT FRONT FRAME DAMAGE AXLE IFEW DAYS I GO OTHER SHOP FOUR SAME STORY TOLD ME TAKE CAR BACK I DID HE REFUSE TRADE OR MONEY BACK I CANT HEAR WHEN COME OFF U ALL CAN HEAR NOT ME I DO RISK DRIVE PO [ P AND STOP HARD RUN OVER YELLOW LIGHT I CANT STOP LAST MIN BRAKE BAD, COST OALOT XXXX TO XXXX DOLLAR NO WAY I WANT MONEY BACK I TRYING TO GET LOOAN CANT HARD BEFORE TOO LATER KEEP DRIVING HAVE ALREADY CRACK THANK U I DID CALL LET THEM KNOW ABOUT CAR BAD .CREDIET ACCPTANCE MY PAYMENT THEY CANT HEKP ME. I DID CATCH UP PAYMENT WHEN CAR PLMS FIX I AM SO TIRED FOUND OUT FRONT FRAME DAMAGE I NED YUR HELP
Company Response: Company chooses not to provide a public response
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2015-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-02
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.
Company Response: Company chooses not to provide a public response
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-28
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening.
Company Response: Company chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.
Company Response: Company chooses not to provide a public response
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-13
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!
Company Response: Company chooses not to provide a public response
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2015-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No