Date Received: 2015-05-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}
Company Response: Company chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!
Company Response: Company chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-15
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! XXXX
Company Response: Company chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2015-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX.
Company Response: Company chooses not to provide a public response
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2015-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-11
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.
Company Response: Company chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: OK back in XXXX XXXX i purchased a XXXX XXXX from Credit Acceptance for the amount of XXXX. Well now on XXXX XXXX they are trying to say i owe them still XXXX and here the problem they sent me a payment history sheet and i have added up all my payments and that has came out to be XXXX which that is XXXX more then what i was suppose to. Which i feel the XXXX is coming from the late payments they have added on which they were XXXX of those which that came out to be XXXX. Which they were XXXX of the late payments which they are XXXX a late fee. I have brought this to XXXX attention from Credit Acceptance again and she acted like it wasnt a problem.
Company Response: Company chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2015-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-05
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX, My vehicle was remotely disabled automatically. I did not know until XXXX XXXX morning I was on my way to go to church. My car would not start. I want to file a complaint against Credit Acceptance corporation regarding this matter. I want to be compensated for the loss that I suffered regarding this matter. I was not able to go to church nor was I able to deposit my payroll into my bank account. In addition, I was not notified in advance by Credit Acceptance. Credit Acceptance did not notify me in writing, nor by telephone, nor in person of their actions. According to my knowledge, I set up automatic electronic payments for my car payments ever since XX/XX/XXXX. Why, they have not taken out the funds I do not know. Credit Acceptance made no contact to me regarding this matter. If there were an issue I was not informed by no one from Credit Acceptance. Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2015-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-03
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help
Company Response: Company chooses not to provide a public response
State: NY
Zip: 13210
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-22
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I went to XXXX XXXX in XXXX, AZ to purchase a vehicle. I previously purchased a vehicle 8 years ago when it was XXXX XXXX. But, I did not have a good experience with a recent purchase. The salesman, XXXX XXXX, was misleading in the information he gave me about the financing and refinancing of the vehicle. The vehicle was more than XXXX XXXX XXXX value as confirmed by my bank and another dealer. I could not get alternate financing for the vehicle because of it. Now I am in a vehicle with extremely high financing rate and payments that I can not afford. I told XXXX several times I wanted to wait to get things straight with the bank and was pressured to move forward with the deal based on information he told me about the financing and refinancing of the vehicle. The purchase was made on XXXX/XXXX/15 and when we called on XXXX/XXXX/15 and went there we were told that the Manager ( who I assume is XXXX XXXX ) would not approve of taking the vehicle back. The circumstances and dealings with XXXX XXXX are shady and not very honorable. I have contacted the finance company which is Credit Acceptance as well as the Office of the Attorney General to file a complaint. There was also hidden damage on the vehicle under the front license plate. This was not seen since they had their dealership plate covering the damage. XXXX XXXX uses Credit Acceptance as a finance company for their sales. They force deals on you with Credit Acceptance by doing the " verification '' process and they receive direct funding in day as stated by XXXX XXXX who ( owner/salesman of XXXX ) and is a " featured dealer '' on the Credit Acceptance website for advertising purposes. They asked for my bank statements. pay stubs, etc. that very day so they could get paid immediately and the deal is funded. This completes the verification process and assures that XXXX will be paid immediately on their deal regardless if they have misrepresented information or used predatory sales/credit practices. Credit Acceptance 's " Portfolio Program '' that XXXX participated in allows them to receive an up-front profit and to share in collections. The owner/salesman XXXX XXXX will do everything possible to close the deal to the point of falsifying most everything he can to put you in a car with the highest interest rates he can because of the funding he receives from Credit Acceptance. I have contacted Credit Acceptance on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 with regard to this situation. No one has returned my calls ( including XXXX XXXX -- XXXX ). I sent a complaint also to Credit Acceptance 's customer service to get this resolved and have not received any contact. My bank, XXXX, has temporarily issued a credit for the deposit that I put down but that is until they complete their own investigation so it may not be permanent. XXXX XXXX was stalling on the deal to with me telling that he had already been paid/funded ( XXXX/XXXX/15 ). There was nothing I could do about it because the Credit Acceptance contract would not cancelled/revocable once accepted. We tried again on XXXX/XXXX/15 to return the vehicle and was told by XXXX that he would have it towed if we left it there. I have contacted my financial institution, Credit Acceptance, XXXX, FTC, AZ Attorney General, and a local TV station to assistant with this situation to get an acceptable resolution.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2015-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes