Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: This was my first loan a XXXX XXXX XXXX purchase in XXXX with over XXXX miles. My payment is very high {$470.00} and I have had this car for over 4 years and I still owe {$8000.00} for this I pay very high predatory interest because I was young and unaware. ( I even traded my used car in for this vehicle. ) The dealership knew this was in an upside down loan with this card in less than two years of having. I still have loan documents. Even when I built my credit they offered no better credit options for me but a refinance and I would had to go to another company. Please assist I can provide all past documents and present documents. I have paid for this car three times over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XX/XX/XXXX I totaled my XXXX XXXX XXXX I had full insurance and I also had gab insurance and there still trying to say that I owe almost XXXX dollars on the car when I paid XXXX dollars a few days after the accident to bring my account in the good and there trying to say that the gab insurance that I was being charged for didn't cover the rest even though nobody was at fault for the accident
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43725
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I sent Credit Acceptance a " Debt Verification Letter '' by Certified Mail # XX/XX/23, asking for detailed " accounting information according to U.S.C Title 15 1692, U.C.C. These are some of the question I asked to be verified : Where is the contract, where me and you signed? Credit Acceptance ( YOU ) signed saying, said money was given to the debtor and by what form was the Federal Reserve Notes ( CASH ) attained by the borrower? Was the money ( CASH ) deposited into consumers bank account? Provide the date and time of the banking transaction? Who is the original Creditor on the account? XXXX. TENDER OF PAYMENT ; ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. And ( c ). I have given Credit Acceptance my instrument signed, endorsed and paid to the order of them which they did not accept. Any time I receive and instrument " bill '', a negotiable instrument, addressed to me with my information by law I am the " holder in due course '' and I can pay to the order to anyone per CFR 328, U.C.C 3-301. I have sent their Indenture Trustee ( Computershare Trust N.A ) My instrument with my correct endorsement per the Fiscal Department with a 1099A, 1099C and I just e-file 1099A with the IRS, to the correct person. I have sent letters demanding that their communications be through certified mail as all my responses and correspondences are. I have done an Accord and Satisfaction no response per 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. They charge me a down payment of {$1500.00}. they will not give it back. they refuse to send me a copy of my full contract. I have been asking for several months now. They kept deny me for a loan on a car and ran my credit score down so they could place a higher interest rate. The sticker price on this car was {$10000.00} and they charged me more on the car because of my credit score and the amount of inquiries that had hit on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act the creditor " Credit Acceptance Corporation '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing. 15 USC 1666 B A creditor may not treat a payment as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: We had fallen on hard times, due to my health issues, tried to work things out but the numbers kept changing drastically and without true explanation other than this is what we have. The repossessed the car and sold it and yet we are still paying full price for it again...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit Acceptance Corporation Subject : Demand for Return of Vehicle and Refund of Funds Dear Sir/Madam, I am writing to bring your attention to a matter of utmost importance regarding the retail installment contract I entered into with Credit Acceptance Corporation . It has come to my attention that there have been serious legal and ethical violations in the execution of this agreement, which necessitates immediate action to rectify the situation. First and foremost, I must assert that I never received any monetary funds from Credit Acceptance Corporation as stipulated in the retail installment contract. No checks or funds were disbursed to me for the purpose of purchasing the vehicle in question. This raises serious concerns about the legitimacy of the contract and the actions taken by Credit Acceptance Corporation. Upon further investigation, it has become clear that Credit Acceptance Corporation engaged in fraudulent misrepresentation by acting under the color of law. I was led to believe that I was signing a contract to obtain a loan for the vehicle, when in reality, I unknowingly signed a contract as a surety or accommodation party. This fraudulent inducement deprived me of the opportunity to make an informed decision and violated my rights as a consumer. By creating a fraudulent debt in my public name, Credit Acceptance Corporation has engaged in a form of identity theft, which is a serious offense under UCC 3.419. This action has caused significant distress and financial harm to me. I demand that you immediately cease all collection efforts related to this fraudulent debt and take immediate steps to rectify the situation. Therefore, I request the following actions be taken : 1. Return of Vehicle : I demand the immediate return of the vehicle that was unlawfully obtained from me. The vehicle 's details are as follows : - Make XXXX XXXX XXXX Model : XXXX - XXXX - Vehicle Identification Number ( VIN ) XXXX XXXX. Refund of Funds : I insist on a full refund of any and all funds that Credit Acceptance Corporation has received from me, as I did not receive any monetary funds as per the terms of the contract. 3. Cessation of Collection Efforts : I expect that all collection efforts related to the fraudulent debt associated with this contract are immediately halted. This includes contacting me, reporting the debt to credit bureaus, or engaging any third-party debt collectors. 4. Acknowledgment of Liability : I demand that Credit Acceptance Corporation formally acknowledge its liability for the fraudulent actions and misrepresentations that have occurred in relation to this contract. I expect a prompt response to this letter and a resolution to this matter within 30days from the date of your receipt of this correspondence. Failure to comply with these demands may leave me with no choice but to pursue legal remedies available to me, which may include filing complaints with regulatory authorities and seeking legal representation to protect my rights. Please be advised that I have retained copies of all relevant documentation, including the retail installment contract, for my records and potential future legal proceedings. I trust that Credit Acceptance Corporation will take this matter seriously and act promptly to rectify the injustices that have been committed. I look forward to your prompt response and a satisfactory resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The removal of the security interest, seeing there is no lien on the property in which they repossessed. I am asking them to remove this account from my credit profile as it is a violation of my privacy and I have not consented to them reporting my private information to a third party CRA, or if they can provide the proof of me agreeing to consent to them reporting my private information. It also has come to my attention that the CFPB has filed a class action lawsuit against CREDIT ACCEPTANCE for the predatory lending and the misrepresentation of the cost of credit and tricking its customers into high-cost loans. They're reporting this collection is having an adverse reaction to my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XXXX Credit Acceptance Corp worked along with XXXX XXXX XXXX, XXXX to provide financing for my vehicle purchased on XX/XX/2019. There were undisclosed fees and services added to my contract which I did not request nor did the dealer disclose. When I was able to obtain a copy of my contract which someone other than myself electronically signed I saw the additional charges and addressed this with the dealership and Credit Acceptance. A service Contract fee of {$1700.00} was added and a debt cancellation fee of {$580.00} was also added and other charges and amounts paid itemized at {$2400.00} yet no explanation of what these charges are. I asked the dealership to confirm the additional services were removed and asked for a revised contract and my calls continued to get ignored. Credit Acceptance who funded the loan told me they could not do anything about it. I was eventually able to obtain the Service Contract information through XXXX XXXX XXXX and was advised by the company there was no active policy showing for my VIN or under my personal information provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A