Date Received: 2015-08-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Company Response: Company chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Since XXXX 2015 I have been unemployed due to being laid off. During this time I have attempted to make my payments but when you have not income coming in it is very hard to do. I have been talked to very inhumane regarding my account. I am constantly being threatened by my car being deactivated. I am constantly asked if someone can pay for me. If that was possible, I would not be behind. Even though my sister cosigned with me, she does not help me at all with this even though she knows my situation. I am on my own right now. I am daily looking for work so I can get back on track with you all. This is the second vehicle that I have purchased through Credit Acceptance and I had no problem with my previous purchase. I want to keep my car but I need some assistance right now and no one in the organization is willing to assist me or work with me except for demanding that I make a payment. I need a deferment so I can get back on track and not ruin my sister 's credit because that is her main concern right now. I appreciate any assistance you can give me.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-01
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2015-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-31
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have XXXX car loans with the same lender. They have erroneously posted payments to the wrong account, which resulted in the other loan becoming behind by two months or more. The company then began repo activity to repossess the car. I contacted the company and attempted to resolve the issue, they were uncooperative and rude. They refused to correct their error and credit the payments to the correct account. They demanded payment immediately or would repossess the car. I asked for a supervisor but was told that none was available and they would not do anything about the issue anyway. They claimed that payments were not made on several occasions and that late fees had accrued resulting in both loans being behind by {$1000.00} each ( more than XXXX months ). I had contacted the company previously in XXXX 2015 and made a payment to bring the account current, because they had posted payments to the wrong account and refused to correct the error. In XXXX 2015 the company claimed that the loan was {$1000.00} behind, even though it was current the month before, stating that late fees and other penalties had caused the amount to be so much. I could not get anyone to explain the creative accounting method which they are apparently using. The XXXX loan had XXXX or more payments credited to it, that were made to the other loan, in addition to the correct payments that were made to the XXXX loan. The XXXX loan was paid XXXX months in advance at this point, however the company claims that the loan is {$1000.00} behind, due to late fees and penalties, and that the payments that were in excess of the payment due were not credited as future payments, but applied to the principle. Thus having no effect on reducing the monthly payment amount nor being available to credit the overage to the XXXX loan which was behind by several payments because they had made an error. They first said they could not apply the erroneous payments back to the correct account for the reason that they had been applied to the principle instead of a future credit, then later in the conversation they claimed they could not correct the payment error because the XXXX loan was also behind by {$1000.00} due to missed payments in XXXX and XXXX 2015. The missed payments were the result of not clearing the bank, however the payments were sent within a few days of the event, to keep the loan current, and the loan payments were never more than two weeks late. I could not get any explanation of how they had calculated a past due amount of over {$1000.00}, nearly XXXX payments, when the loan had never been behind more than a couple weeks. They claimed it was " likely '' due to late fees and that I should pay my bills on time to prevent this from happening. I advised them that I had the payment history in front of me and that their information was incorrect, because the payment history showed payments every month, with a second payment made whenever a payment had not processed as well as several months with the payment for the XXXX loan posted to the XXXX loan incorrectly. The loan payment for the XXXX loan is withdrawn automatically from my checking account. The payment for the XXXX loan is made manually online through XXXX XXXX and requires the account number to be entered. I have only made payments to the XXXX loan by this method thus I have never entered the account number for the XXXX loan, which would indicate that the error is in there payment processing method and not with my payment method. I spoke with several reps but they all repeated the same prompt, they demanded payment immediately or would have the car repossessed, I offered to make a payment the next day when my pension payment would be available because I did not have the money available until then, they refused any compromise. I believe their business practices are fraudulent, deceptive and in bad faith. My dispute was ignored
Company Response: Company chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-30
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-22
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I feel that I 'm paying more than I should.
Company Response: Company chooses not to provide a public response
State: WV
Zip: 267XX
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-22
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me!
Company Response: Company chooses not to provide a public response
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX
Company Response: Company chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2015-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-11
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2015-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-08
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car
Company Response: Company chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No