Date Received: 2015-06-27
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working. We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX. I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.
Company Response: Company chooses not to provide a public response
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2015-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Company Response: Company chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY
Company Response: Company chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have a huge complant against this company ... .They allow delarship to sell cars that arent any good ... .i bought a XXXX BMW XXXX it has given me nothing but problems ... i spent over XXXX dollars getting the car fixed the first month of getting it ... the dealership refused to help pay and credit acceptance refused to credit my account for this ... since then within the lasts year over XXXX dollars have been spent fixing this car ... thats a WHOLE new car..my only resolution for this company is that im asking them to lower my pay off amount to XXXX to pay this vehicle off so i can be atleast see some of my omoney back ... i was unable to pay bills trying to get my car fixed being that i needed my car to get me back and forward to work.. i had to hustle other small jobs to help get this car fixed ... i do have copies of all the reciepts of how much was payed and credit acceptance refused to drop even XXXX dollars please hlep me with this ... this would help me sooooo much or we can settle we the past due amount im willing to do whatever to pay this car off this week.
Company Response: Company chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 ; I was involved in an automobile accident involving property at my apartment complex. I contacted the manager of the development and contacted the XXXX County police Department to file an report. I contacted XXXX XXXX XXXX XXXX to file a claim to have the damage estimated and repaired. After provident the agent with details ; an adjuster completed the estimate, and the vehicle was declared total loss. I was contacted by XXXX XXXX ( total loss adjuster ) whom attempted to take possession of the vehicle without ever offering me an opportunity to retain the vehicle as salvaged. I then proceeded to contact the lien holder ( Credit Acceptance Corporation XXXX to provide the claim number, phone number, name of adjuster and details to the accident. Over the next several weeks I was contacted repeatedly by the towing company assigned to the claim ; at which time I informed the driver that my intent was to retain the salvaged vehicle. The driver stated that he would inform XXXX XXXX of the information and removed my name from his list. After returning the requested document to XXXX XXXX, I received a telephone call stating that she would not be able to pay off the loss with that single document. She also informed me that I needed to contact credit Acceptance Corporation because there was an order of repossession placed on the vehicle. After contacting Credit Acceptance Corporation ; it was alleged by XXXX representatives in which the conversation was said to be recorded ; that Ihad stopped my automatic draft payment on XXXX XXXX, 2015 ( prior to accident ). I then contacted XXXX XXXX ( financial institution ) and spoke with a customer service representative who examined my account to confirm that I had not processed an order to stop payment or block the merchant known as Credit Acceptance Corporation. ( see attachment : establishes that a payment was processed to Credit Acceptance Corporation on or around the date of XXXX XXXX, 2015 ) The XXXX XXXX representative instructed me to contact Credit Acceptance Corporation and offer the opportunity to conference via XXXX way ( XXXX XXXX, Credit Acceptance and Myself ) and they would provide information that I did not stop payment. After contacting Credit Acceptance Corporation ; I was informed that was something they do not do and asked if I wanted to make a payment on the balance which has accrued to {$1000.00}. I then asked if I would be able to make a partial payment, and told no. I informed the representative that the stoppage of payment was a result of Credit Acceptance Corporation 's own actions. ( see attachment : Notification of Retained Vehicle stating that the insurance company has paid a total loss claim for the vehicle identified. XXXX Mercury Grand Marquis, and notified DMV that it did not acquire my vehicle as a result of the claim. Therefore I can not understand Why XXXX XXXX insisted on taking the vehicle. ) I was informed by Credit Acceptance Corporation that the company would deal directly with the insurance provider if the vehicle was repossessed. I have GAP coverage on the vehicle so there should not be any discrepancy of the lien holder receiving the figure asked for payoff, or cause an issue of financing a balance on a salvage. During the time in which Credit Acceptance Corporation claims I stopped payment ; I have not been contacted in regards to the issue. The vehicle is equipped with devices warning of time of payments and have not been utilized ; as has been in the pastChat Conversation End
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-06
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. Thank you for you time!
Company Response: Company chooses not to provide a public response
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2015-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!
Company Response: Company chooses not to provide a public response
State: OH
Zip: 44857
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-03
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I purchased a vehicle through Credit Acceptance Corp for XXXX with a 25 % interest rate that i have paid over XXXX dollars on and they are stating that i still owe XXXX dollars on the balance and are threatening to repo it. I was out of work for XXXX weeks with a XXXX and collecting XXXX of XXXX per week and still made my monthly payment. XXXX week returned to work to come out of work and find my car gone. they demanded XXXX dollars to get my car back which i payed them. Only to get a call stating i was XXXX behind in my payments and are threatening to repo it again, after just XXXX weeks of paying the XXXX to get it back.
Company Response: Company chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: On XXXX XXXX XXXX, 2015 early morning about XXXX or XXXX My vehicle was repossed by my loan company CREDIT ACCEPTANCE. I called on that same day and was advised by XXXX of their representatives that my car was take by XXXX XXXX. I did advise the representative that I would recover my car on Friday XXXX XXXX, 2015. She gave me the balance and said she would note the system as such. The representative never told me that I had to contact XXXX XXXX to get my belongings. Nor did your company advise that there would be a fee to recover my belongings. Yet another inconvience and more money out of my pocket. Why would the company have the car cleaned out that was going to be redeemed the next week. I feel that you should have at least a week to redeem your car back before further actions are taken. Credit Acceptance actions and protocals are all wrong. I feel that they dont want consumers to redeem their vehicles if so they would not have to go thru such drastic measures. On Friday XXXX XXXX XXXX week later I called Credit Acceptance office to make payment. I have never felt so mislead in all my life. None of their representatives were helpful nor friendly. I was first told to pay the money and my car would be released the same day. That was a lie. I then paid the money thinking that XXXX XXXX still had my car. When I called them they advised that they only removed my belongings from the car and my car was taken somewhere else. I understand that Credit Acceptance does not want comsumer trying to redeem their vehchiles from their auction yards however this situation could have been better taken care. It is very poor communicaiton on theirr behalf to me as the consumer. Creidt Acceptance says to be best company to work for but you are treating your consumers second hand. I felt that my entire Friday was a run around. When I finally got in contact with XXXX to redeem my car she told me I needed to schedule an appoitment which they were all booked on Friday yet another inconvience. They are not open the weekends. So I had to scheduele my appointment for Monday XXXX XXXX, 2015. Not to mentionthat this place was XXXX mins from where I live. Yet another inconvience. When I arrive to get my car I went to do an inspection on it and there was several things wrong with it my front bottom bumper is damaged assuming from the pull to the tow truck the front corner panel driver side was damaged as well. When I called Credit Acceptance to make an complaint about my car I was told that I would have to contact SRS Recovery. And that they were not responsible then whom is. Yet anohter inconvience. When I called the EXTREAMLY RUDE COMPANY SRS RECOVERY they advised me that the contract with CREDIT ACCEPTANCE states that they are not responsible for any damages done to the car while being repossed. How is that fair to me as the consumer? When I CREDIT ACCEPTANCE back the representative yet again said I had to called XXXX XXXX. Now CREDIT ACCEPTANCE nor XXXX XXXX wants to take responsibility for the damages done to my car. All CREDIT ACCEPTANCE wants is payments on the car not concerned about the consumer at all. I am very upset with this entire encounter of me redeeming my car.
Company Response: Company chooses not to provide a public response
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt
Company Response: Company chooses not to provide a public response
State: CO
Zip: 81501
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No