CREDIT ACCEPTANCE CORPORATION
Consumer Complaints
There are over 1389 complaints on file for CREDIT ACCEPTANCE CORPORATION. Dated between 2019-12-08 and 2012-10-02.
Complaints Page 10
2019-04-17
Charlotte, NC
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with signing the paperwork
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-17
Dupont, IN
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-14
Lowell, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: WE HAVE A XXXX XXXX AUTO LOAN HELD JOINTLY, THEY WERE REPORTING TO ALL BUREUAS, AND NOW WERE DELETED IN ERROR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-12
La Vergne, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Bourbonnais, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
Georgetown Township, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-08
Arlington, VA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sales Consultant : XXXX XXXX XXXX XXXX XXXX So I was trying to go through a fresh start program with XXXX XXXX XXXX.. I received several phone calls and text messages stating that the program was and income based program and no credit check was involved. I was told that I had to be in XXXX by XXXX XXXX ...
I have given this company all of my personal information. My identity is now at risk for this fraudulent advertisement. They are trying to legally steal my identifiable information.
Someone please stop this company from stealing peoples indenture.
They ran a hard inquiry on my credit after saying that the program was not based on credit. They came back and asked me for tags, titling and processing fees after telling me that the program was 100 % financing.
They have wasted my money for travel to there office and my time. I asked them several times if I needed to bring any cash deposit and I was told no.
Im a service connected XXXX and they would not give me my information back. I want this company sued and for them to release every customers information back to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-08
South Bend, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I had a car loan through Credit Acceptance when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. Credit Acceptance is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-07
Toledo, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-07
TX
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: In XX/XX/2017 an auto loan was taken out I found out through credit report and thorough XXXX.The car was Registered in XXXX.bith states I don't live in or ever have.i showed police the ID used after getting copy from dealer vs my license.This individual has a few social and id they have been using to obtain goods and services.i provided proof of residency to this company along with multiple police reports showing this was not my loan, nor do I live where this took place. I do not have an account number.my last 4 of my social are XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-03
Wallington, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-03
MT
Problem with customer service
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: To whom it may concern, Hello my name is XXXX XXXX, I am writing you in reference to a situation in which my affiliation through the auto finance company called Credit Acceptance Corporation has persistently dropped my credit score and caused me financial hardship. After much effort to correspond respectfully and amicably, with honest and genuine intentions of coming to an agreement that would remidy the negative information reported to all three credit bureaus. On XX/XX/2018, my employment contract ended as a pilot and there was a three month period in which i was unpaid before my first check from my current place of employment was received. After my payment in XX/XX/2018, I contacted Credit Acceptance Corp. to explain and warn them of my empending and inevitable situation, in an attempt to come to some polite agreement that would eliminate the possible late payment from hitting my credit score and possibly paying more in XX/XX/XXXX to catch up in good faith. To no avail ; I was rejected, and told that late is late, and there was no options for me. I paid them late one half the full payment, and struggleing to pay half, I was able to scrape the money up to pay half, after paying half the full monthly payment they reported to the bureaus that I was 60-90 days late a full payment which is incorrect. I have opted to submit a complaint with the CFPB in an effort stop the situation from worsening. I have called and on all three occasions been rudely turned down put on hold for as long as 45 minutes only to be told that whats done is done and there is nothing that I nor they could, or would do to reverse or rescind even lessen the impact of my late half of one payment. I am an upstanding, morally sound, honest American that I believe contributes positively to society. The customer service phone number is XXXX headquarters located in XXXX, MI. I am asking for help because I am unable to catch up on late bills with even the smallest consolidation loans with my current credit score impact, I have no where to turn for help, moreover the longer it negatively affects my credit, the longer I am unable to improve my situation or my dignity.
Kind regards, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-02
Wattenburg, CO
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Credit Acceptance Corp is reporting incorrectly on XXXX a collection for the amount of {$12000.00} account number XXXX. ( Please see page 39 of the attached credit report. ) This account is not mine. I do not know who Credit Acceptance Corp is and I do not know how this account got reported to XXXX and ended up on my credit report. This incorrect reporting is harming my credit score. I have contacted XXXX to fix this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-02
AZ
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: XX/XX/XXXX Please refer to my previous complaint # XXXX against XXXX XXXX.
XXXX XXXX over charged me twice the value of the XXXX XXXX XXXX XXXX-12 year old car with high mileage.
I want a refund. {$280.00} x 10 payments= {$2800.00} plus {$1600.00} down payment is {$4400.00}. I have paid and over paid for the car is not fully loaded and no full tank of gas.
The car is only worth {$4300.00} for fully loaded on XX/XX/XXXX.
I want a re-write of the car loan at a lower rate of interest.
Auto Dealer fraud. Unfair business practices. I have been robbed.
The car loan is invalid.
I have not heard from the dealer. Dealer has not responded to the AZ Attorney General.
Please read attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-01
Blackbird, DE
Took or threatened to take negative or legal action
Debt collection: Auto debt
Sued you without properly notifying you of lawsuit
Complaint: Hello My name is XXXX XXXX I financed a car back into XXXX from credit acceptance XXXX, in XXXX I lost my job and husband in the same year and became behind on my payments. They came and took the car and they never sent me itemized bill or any options to get the car back. Some time in XXXX I was notified about this and I asked for an itemized bill or a statement for what for what owed them since the care was sold. At the end of XXXX I lost my job and now was looking for new employment. In XXXX and XXXX, I started to received threatening calls from a man but would never identify himself. He sounded like a scam or someone who was trying to scare me in to giving my information out. The calls stop and about 6 months ago they started again. I found a new job and have been working on my life and now my credit. this debit is 11 years old. I never had a chance to fight it or see if they cost was true and now because I am working again and working with agencies to help better my credit they have are now going after my wages ..This debit is 11 years old. This is a lot of money coming out my check and I don't believe I should be responsible for the full amount they are asking if any.. How long will this debit haunt me.. I am trying to get ahead and just like that i am pulled back down for a 11 year old debt. Is there any help for me.
thank you for any assistance XXXX XXXX XXXX is the Attorney for credit acceptance XXXX. When I called them they said they will have to go to a storage and pull my file since it is old.. '' Ya think XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-01
Charlotte, NC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-31
Daytona Beach, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-30
Detroit, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-30
IN
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: Continued calling daily 4-5x 's even on Saturday & Sunday from 2 different numbers regarding a {$51.00} balance as early as XXXX, spoke with rep on a Sunday who stated agency has a right to call. I informed rep of the FDCPA the calls stopped for that day. The following week the calls came in every 3hrs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-30
Detroit, MI
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: I had first got the 2011 XXXX XXXX for a couple days I was took it to a car shop for a oil change and the mechanic ask me where I got this car from. So I've told him and he told me to take the car back and tell them I have a engine problem can they correct it. I went up to car source and told them the situation and they said they don't fix engine 's call credit acceptance. I called them and they said that's not their problem after what I've told them where I got the car from. I couldn't keep up the payments I couldn't make it to work due to my engine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-29
San Antonio, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: On more than one occasion my payment cleared my bank and was not credited toward my loan. This caused payments to fall behind. I would catch up and then another payment would not be applied. I have provided the company with the bank statements showing the payment clearing in hopes they would correct the account-to date they have yet to do so. I make bimonthly payments every month to complete a full payment and the account continues to show past due with an unbelievable about of late fees and interest due. I would not be past due if the missing payments had been applied. Unfortunately, I am not in a position to pay the additional fees and payments again but have and will continue to make my $ XXXX monthly payment ( payment is {$570.00} XXXX. I contacted the company lasts month to discuss the possibility of adjusting the due date to bring me current in hopes of saving money in fees, I was told that since they were a second change lender that would not be an option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-28
Northside, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I filed an identity theft report, with the Federal Trade Commission, against Credit Acceptance for a loan for a vehicle that I do not own. I mailed the letter from FTC disputing the account on XX/XX/2019. The company calls me every day at least 3 times per day, I answer and they hang up without saying anything. They also mailed me a letter dated XX/XX/2019 stating the vehicle would be sold on XX/XX/2019 and to call them to learn the exact amount owed on the account to get the property back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-28
Washington, DC
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: On XX/XX/XXXX I contacted my auto loan creditor, Credit Acceptance, in order to have them send the necessary paperwork to the XXXX DMV for new vehicle tags as I had recently moved from XXXX where I had originally financed the vehicle.
On XX/XX/XXXX I attempted to register for new plates, after verifying the documents from Credit Acceptance had been sent to the DMV. The staff at the XXXX DMV notified me that the required documents were in fact, not sent to them. But instead, the Title Department apparently decided a non official document was equivalent - an assertation they maintained throughout all my communications with them until the end of XX/XX/XXXX. I was issued a temporary tag from the XXXX DMV which expired on XX/XX/XXXX.
Pre-empting the pending expiration of my temporary tag, I contacted Credit Acceptance yet again. The Title department insisted they had sent the correct document, and hesitantly I decided to attempt the XXXX DMV yet again. The manager on duty at the XXXX DMV showed me the unofficial document which they would not honor, and said there was nothing that would be done until the proper document was received. So on XX/XX/XXXX I contacted Credit Acceptance yet again and received the same excuse " we were never sent the proper document from XXXX, this declaration should work. '' This was now the second time I had requested they obtain the proper document, but this was never acknowledged, nor was it acted upon by Credit Acceptance.
On XX/XX/XXXX I applied for another temporary tag, and was issued it due to extenuating circumstances.
On XX/XX/XXXX I contacted the Titles Department at Credit Acceptance and demanded that they obtain a new copy of the Notice of Security Interest Filing. I was told that the request was noted in my file and would be handled by the person assigned to it.
On XX/XX/XXXX I paid for a copy of my part of the XXXX title ( hoping this also sent a new copy of the Lien Holder 's part to my creditor ). I received my copy within the week, and also inquired with the State of XXXX Department of Motor Vehicles if my transaction also sent new documents to my creditor. They answered within the same day that it did not.
On XX/XX/XXXX I contacted Credit Acceptance yet again, to verify their progress as I had received no communication from them. I discovered that nothing from my previous request had been recorded or acted upon. I had at this point now been paying for a car I was unable to use for over a month. It was at this time that I informed them I would not make another payment until they fulfilled their legal obligation in this matter, and provided the level of service which credit contract implied. I was assured that, the proper steps would be taken. I requested communication at the time of their receipt for the new Notice of Security Interest Filing from the State of XXXX, as well as a tracking number when they shipped the document to the XXXX DMV.
On XX/XX/XXXX I called Credit Acceptance yet when asked the status of the Security fillings document, they still did not have it - although they now claimed that they were waiting for it from XXXX.
I am now on my second month of paying for a car that I can not use due to either the apathy or ineptitude of the lien holder for my vehicle. In addition to having my access blocked to the property for which I have been paying. I have also been sporadically fined for failure to show current tags on my vehicle by the XXXX Department of Public works. I have now amassed over {$600.00} in fines. Spent over {$100.00} for temporary tags and title copies. I have lost over a dozen hours of work while waiting at the DMV to try to solve an issue that I am currently powerless over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-27
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: The lender continually Twix my account as delinquent when it's paid and continually charge me extra payments cuz they do not keep track even though I show them proof that I paid they continue to give me late payment and charge me extra money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation