CREDIT ACCEPTANCE CORPORATION

2019-02-06

Lancaster, PA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I spoke to XXXX from the customer service from credit acceptance Corp on XX/XX/2018 and I told him that this account was obtained by someone who stolen my identity, Fraud, And This Representative keep calling and calling me every day harassing me asking to make a XXXX dollars payment and they will stop calling me and asking for my bank information,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-03

Phila, PA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-03

Wallington, NJ

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-01

Andersontown, PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-01

Georgetown, IN

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: DEAR CFPB, this company CREDIT ACCEPTANCE, HAS CHARGED ME A XXXX LATE FEE EVERYTIME A PAYMENT WAS MADE FOR THE ENTIRE LOAN, THIS IS ILLEGAL AND WRONG, PLEASE HELP ME GET THIS REFUNDED TO ME ASAP, THIS GAS ALREADY BEEN TURNED INTO THE ATTORNEY GENERAL, THEY ARE NOT WILLING TO GIVE THIS MONEY BACK, WILL YOU HELP ME ASAP,30xXXXX-XXXX, PLESAE HELP ME GET THIS AND MY CAR TITLE TODAY?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-31

Burr Ridge, IL

Attempts to collect debt not owed

Debt collection: Auto 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

Timely Response

2019-01-31

El Cenizo, TX

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-31

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-31

Euclid, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Payments on my five year loan are not documented correctly. The five year loan began in XX/XX/XXXX and would end in XX/XX/XXXX. I missed three payments that I was told I could make up at the end of the loan period extending the loan three months which ended XX/XX/XXXX. The three payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Credit Acceptance Corporation shows on our credit report that we made 25 % of our payments late, Instead of showing three missed payments respectively. We never made 25 % of our payments late. For every month in XX/XX/XXXX it shows that we are 30-90 says late including the three extended months. Credit Acceptance sent me a document showing all months that payments were made on time. In addition, the document shows that the last three extended payments were made on time. Never on the credit report does it state three payments were missed and made up at the end of the loan period. The credit report states inaccurately that we made 25 % of our payments late, which would be after the XXXX of every month. Attached is the payment record from Credit Acceptance showing the dates of each payment. Credit Acceptance says XXXX are responsible for the errors. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-29

Memphis, TN

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the supervisor, XXXX advised that it was a system error. I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-28

Knoxville, AR

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-25

Azwell, WA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-24

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-22

Incorrect information on your report

Vehicle loan or lease: Loan

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

Timely Response

2019-01-22

MN

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-20

Chicago, IL

Incorrect information on your report

Vehicle loan or lease: Loan

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-18

PA

Getting a loan or lease

Vehicle loan or lease: Lease

Fraudulent loan
Complaint: I try to apply for a loan through Credit Acceptance through XXXX XXXX XXXX in XXXX PA I'm trying to own Virtues Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-17

PA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-17

Town Center, NJ

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-15

Blackhawk Village, IA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-15

Newport News, VA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-12

Tarpon Spgs, FL

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

Timely Response

2019-01-12

NJ

Incorrect information on your report

Vehicle loan or lease: Title loan

Personal information incorrect
Complaint: On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-12

PA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-11

Detroit, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response