Date Received: 2023-09-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account with credit acceptance Corp is inaccurate and completely reporting the wrong amounts 15 U.S. Code 1681i Paragraph 5 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am 7 days late on my car payment. This company has called me over 9 times in the last 7 days. 6 of those calls were yesterday. I spoke with the company on Monday when I was only 4 days past due and they had already called repeatedly and explained that there was an issue with my check and that I would make the payment by the middle of next week at the latest. The very next day I was called again twice. Yesterday I was called 6 times in one day. I told the rep that called me the last time that day that what they are doing is debt harassment and that they are not to call me for at least 7 days after I had spoken to them on Monday. I also told him that I do not want to be called between the hours of XXXX XXXX XXXX Monday through Friday as I am at work during those times. I was called again this morning at XXXX after expressly telling them not to do so. If this harassment continues I will be forced to take legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48060
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23, I disputed the completeness and accuracy of this closed account on my consumer credit report and it has come back verified. I do not believe Credit Acceptance properly investigated this account because there are obviously inaccuracies. The date open, date closed, the payment status, and the date of last activity are all reporting different information to XXXX and XXXX. There are clearly quite a few inaccuracies that are being reported to the different credit reporting agencies. My consumer credit report is an indication of the discrepancies. Credit Acceptance was also contacted and still has failed to properly conduct an investigation and correct their errors. Based on 15 usc 1681i paragraph ( 5 ), it states that any information that is disputed by a consumer that is found to be inaccurate or incomplete or can not be verified that the consumer reporting agency shall promptly delete. Therefore, my question is this, clearly I have pointed out several inaccuracies on this one account reporting to the credit reporting agencies, so why havent this account been deleted from my credit report when Credit Acceptance has willfully violated the FCRA? This matter has been brought to Credit Acceptance attention regarding the various inaccuracies on several occasions especially since I have been disputing the accuracy of this account for the past several months which I have a copy of every single letter to prove it along with the letters from the bureaus stating the account has been verified which I cant see how an account has been verified as accurate with so many discrepancies being reported for the same account to different credit reporting agencies. Lets also take into consideration the date of last activity which is also among the several different discrepancies that is being reported from this one account. One bureau is reporting one date and another bureau is reporting a totally different date. This is a manipulation of the statue of limitations since I can not tell when this account is supposed to fall off my consumer credit report. This is a clear indication that the credit reporting agency was provided with different information on one account. This type of inaccuracy is causing me severe stress and is a financial misrepresentation. I am requesting that the account be removed completely from my credit report due to the inaccuracy and violation of my consumer rights under the FCRA .I believe that addressing these issues promptly is crucial to maintaining the integrity of my credit report and ensuring that my financial history is reported accurately. I appreciate your attention to this matter and look forward to a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. dates XX/XX/2023 for {$8800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-10-01
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 the interest rate
Consumer Complaint: Since XXXX of XXXX I have been charged with late fees on my car note each month and it have damage my credit report so bad. I have talked to people so many time and nobody never responded or call me back. I also was over charged on the car. They wanted XXXX for a XXXX XXXX on a XXXX. I need some type of help with removing the extra charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries of the came company on the same day multiple times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I bought a used XX/XX/XXXXXXXX XXXX on XXXX XXXX. From XXXX XXXX. Financed through Credit Acceptance. The Dealer added extra charges that I did not approve. The Dealer had me sign all paperwork on his Desktop computer. He did not print them and go over them. He lied and said I had XXXX XXXX which I did not. He did not go over the price of the car or anything. When I looked at the Loan agreement. It says I owe {$22000.00}. Which is outrageous. The Dealer added my downpayment instead of subtracting it. Also, on XXXX XXXX. My car was stolen from right outside my patio. Thank God I got it back. By me not have gap insurance. I paid out {$30000.00} to get it out of impound yard, paid {$170.00} for window. I replaced ignition by myself. I want out of this loan and my downpayment back. Thank for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: ON XX/XX/XXXX, I RECEIVED A SLOT MACHINE THEMED PULL-TAB MAILER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX, MI XXXX. BECAUSE I WAS IN DESPERATE NEED OF A VEHICLE, I CONTACTED THE DEALERSHIP, BECAUSE MY MAILER SHOWED THAT I WAS A " GRAND PRIZE WINNER ''. I WAS CONTACTED BY AN XXXX XXXX WHO WAS WORKING AT THE DEALERSHIP BUT WAS " A FLOATER WHO WORKED WITH SEVERAL OF THE XXXX XXXX LOCATIONS ''. HER PHONE NUMBER WAS XXXX. WHEN I SPOKE WITH XXXX, I WAS VERY CLEAR THAT THIS WAS MY VERY FIRST VEHICLE LOAN, MY CREDIT SCORE WAS LOW DUE TO LACK OF CREDIT HISTORY, THAT I WOULD ONLY CONSIDER PURCHASING A TRUCK OR SUV. BUT PREFERRED A TRUCK. XXXX PROMISED ME THAT THIS DEALERSHIP COULD HELP WITH MY NEEDS AND GET ME INTO A GREAT VEHICLE. I WAS ALSO VERY CANDID WITH XXXX ABOUT MY BEING XXXX. AND THAT I NEEDED VERY TRANSPARENT AND CLEAR COMMUNICATION. THERE WERE MULTIPLE TEXTS BACK AND FORTH CONFIRMING ALL OF THIS INFORMATION. ( XXXX STATES THEY DON'T KEEP THE ACTUAL TEXT MESSAGE CONTENTS. BUT I DO HAVE PHONE RECORDS SHOWING THE MULTIPLE CALLS AND SHOWING THAT MESSAGES WERE SENT AND RECEIVED FROM HER ). XXXX STATED THAT I HAD TO COME INTO THE DEALERSHIP WITH MY MAILER TO ENTER MY MAILER CODE INTO THEIR LAPTOP TO SEE EXACTLY WHAT I HAD WON. SHE ALSO STATED THAT THEY NEEDED TO RUN A CREDIT CHECK TO SEE WHAT TYPE OF FINANCING THEY COULD GET ME. ON XX/XX/XXXX, I PROVIDED XXXX WITH MY NAME, SSN, AND INCOME VIA PAY SLIPS. SHE CAME TO PICK ME UP ON XXXX FOR AN APPOINTMENT AT THE DEALERSHIP. IT TURNED OUT THAT I HAD NOT WON THE " GRAND PRIZE ''. BUT INSTEAD, I HAD " WON '' {$2000.00} OFF OF THE PURCHASE OF A VEHICLE. XXXX AND THE SALES MANAGER TRIED MULTIPLE TIMES TO PRESSURE ME INTO PURCHASING A XXXX XXXX. I TOLD THEM FLAT OUT TO TAKE ME HOME AS I TOLD THEM UP FRONT THAT I WOULD ABSOLUTELY NEVER CONSIDER PURCHASING ANYTHING OTHER THAN A TRUCK OR SUV. THE SALES MANAGER XXXX XXXX XXXX, FINALLY TOLD XXXX TO TELL ME THAT THEY HAD AN AS-IS TRUCK THEY COULD GET ME INTO. IT WAS A XXXX XXXX XXXX XXXX WITH XXXX MILES ON IT. THE AIRBAG LIGHT AND TPMS LIGHT WERE ON. I WAS TOLD THAT THE TRUCK HAD AN OPEN RECALL ON THE XXXX AIR BAG RECALL. BUT THAT THE DEALERSHIP WOULD NOT FIX IT. ( DEALERSHIPS DON'T EVEN PAY FOR THE RECALL. THE MANUFACTURER PAYS FOR THOSE. I HAD TO TAKE THE TRUCK TO XXXX XXXX TO GET THE RECALL REPAIR DONE ). XXXX XXXX NEVER PROVIDED ME WITH A BUYER 'S GUIDE. THEY ALSO DID NOT DISCLOSE THAT THERE WAS AN ELECTRICAL ISSUE WITH THE DOOR LOCKS. THE REAR WHEEL WELLS ARE COMPLETELY RUSTED OUT. ( UNABLE TO SEE DUE TO PLASTIC FENDER FLARES ). I HAVE XXXX DIFFERENT PURCHASE AGREEMENTS WITH DIFFERING PRICES. ( NEITHER OF WHICH SHOWS THE {$2000.00} OFF THE PURCHASE PRICE ). THE TOTAL PURCHASE PRICE OF THE TRUCK AS SHOWS ON THE LOAN CONTRACT FROM CREDIT ACCEPTANCE ( AT 22.99 % APY ) IS $ XXXX, WHICH INCLUDES {$1500.00} AS A ( CASH DOWN PAYMENT BUT WAS ACTUALLY THE TRADE-IN VALUE THEY GAVE ME FOR THE XXXX XXXX XXXX I XXXX XXXX ). SO, INCLUDING THE SUPOSSED {$2000.00} OFF THE PURCHASE PRICE I HAD " WON '' FROM THEIR PULL-TAB MAILER IS {$21000.00}. THERE ARE NUMEROUS ILLEGAL STATEMENTS IN THE LOAN CONTRACT FROM CREDIT ACCEPTANCE CORP. INCLUDING STATEMENTS ABOUT ARBITRATION, AND EXCELLERATED PAYMENTS SHOULD I DEFAULT ON THE LOAN. IN A COMPLAINT I SUBMITTED TO THE MICHIGAN STATE ATTORNEY GENERAL, I RECEIVED A REPLY FROM CREDIT ACCEPTANCE STATING THAT THE CONTRACT STATES I WAS ABLE TO NEGOTIATE THE PRICE ( WHICH I WAS NOT ALLOWED ) I WAS TOLD THAT THIS WAS THE PRICE. THE DEALERSHIP REFUSED TO PROVIDE ANY INFORMAITON ABOUT VETERANS ' OR TYPES OF DISCOUNTS. THEY REFUSED TO ANSWER ANY ADDITIONAL QUESTIONS. XXXX EVEN KEPT LOOKING OVER MY SHOULDER WHEN HAVING ME DO THE ELECTRONIC PAPERWORK, RUSHING ME ALONG. STATING THAT I NEEDED TO HURRY AND THAT THIS WAS ALL " STANDARD '' PAPERWORK. CREDIT ACCEPTANCE EVEN STATED THAT THEY CHECKED WITH THE DEALERSHIP WHO TOLD THEM THAT THEY DON'T SEND THESE TYPES OF MAILERS. I HAVE PROOF THAT XXXX XXXX DID SEND THESE MAILERS. THE LENDER PERFORMED PREDITORY LENDING PRACTICES AGAINST ME, AND WORKED IN COLLUSSION WITH THE DEALERSHIP ( LOAN CONTRACT STATES THEY HAVE " AN AGREEMENT WITH THE DEALERSHIP '' ) TO GROSSLY OVERCHARGE ME FOR THE VEHICLE. THE DEALERSHIP ( XXXX XXXX XXXX AND XXXX XXXX ) ALSO PERFORMED DECEPTIVE/AGGRESSIVE SALES TACTICS, TAKING ADVANTAGE OF MY XXXX IN BEING XXXX. REFUSED TO FIX AN OPEN SAFETY RECALL WHICH WOULD NOT HAVE COSTED THE DEALERSHIP A XXXX. IN LOOKING AT XXXX AND XXXX, THE VEHICLE IS WORTH BETWEEN {$2300.00} AND {$5700.00} WITH THE MILAGE ON IT. THE DEALERSHIP ALSO PERFORMED IDENTITY FRAUD BY NUMEROUS ADDITIONAL FALSE LOAN APPLICATIONS ON THE DATES OF XX/XX/XXXX AND XX/XX/XXXX. MANY FOR OTHER VEHICLES I NEVER SAW, HEARD ANYTHING ABOUT, OR WAS AWARE OF IN ANY WAY. THE ONLY VEHICLE I WAS SHOWN, KNEW ABOUT OR AUTHORIZED ANY LOAN APPLICATION BE APPLIED FOR WAS THE TRUCK I PURCHASED. MANY OF THOSE HAD REBUTTLE TERMS SENT BACK BY THE LENDERS WHO DENIED THE TERMS INITIALLY REQUESTED IN THE FALSE LOAN APPLICATIONS SUBMITTED BY THE DEALERSHIP. THE DEALERSHIP ALSO INFLATED MY INCOME AFTER I HAD ADVISED THEM OF MY CORRECT PAY AND PROVIDED PAY SLIPS TO THEM ON XXXX I HAVE TRIED MANY, MANY TIMES TO GET THIS INFORMATION FROM THE DEALERSHIP. THEY REFUSE TO EVEN TAKE MY CALLS UNLESS I CALL FROM A NUMBER THAT IS NOT MY OWN. THEY EVEN AGREED ABOUT A MONTH AGO TO PROVIDE ME WITH AN ADDITIONAL COPY OF THE SALES AGREEMENT. THEY NEVER SENT IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I lost the vehicle in XXXX now its hard for me to continue to pay for it because XXXX on a fix income now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company did NOT honor my request for removal. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A