CREDIT ACCEPTANCE CORPORATION

2018-08-06

Bay Lake, FL

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 explanation

Timely Response

2018-08-05

IN

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: This company calls me multiple times a day if I am even 1 day late on my payment. I have asked them to stop calling me so many times a day but they will not. They call at least 4 times a day from 2 different phone numbers. Today they have called 4 times in 4 hours yesterday was the same. I have attached screenshots of the phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

Brockton, MA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect, and it's reporting on my credit report with multiple inaccuracies. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CREDIT 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

2018-08-01

Vista Lago, PR

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-31

NJ

Incorrect information on your report

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

Account status incorrect
Complaint: I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-31

Southern Pnes, NC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Please reference case XXXX and credit Acceptance account XXXX. Bi received a letter from Credi Acceptance legal aid XXXX XXXX. As a result we were placed in a do not call list with Credit Acceptance. But they denied any other wrong doing which is expected from such people. The issue at hand is my wife has called two days in a row trying to make the payments and the representatives proceeded to verbally harass and abuse my wife. She started calling 3 days after the due date to make this payment and the recording we have on hand prove the abuse and just downright ugliness we have to endure when calling. Todays date XX/XX/2018 she calls again to make the payment and she gets off the phone in tears from the verbal assault. This is the absolute last time I report this information. Next time I am suing Credit Acceptance because we have the recording now of their abuse Ive nature to people who actually pay. I got on the phone today with a manager named XXXX and she was extremely apologetic. I made the payment and foretold her of the actions getting ready to be against credit Acceptance. They have been sued so many times due to their actions and this time those cases will be referenced and show a history of abussive communications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-31

Mountain View, OK

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-30

Jonesboro, AR

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 explanation

Timely Response

2018-07-27

Baton Rouge, LA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-27

Brentwood, NC

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina. 3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-26

FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-24

Plymouth, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-22

Detroit, MI

Getting a loan or lease

Vehicle loan or lease: Lease

Credit denial
Complaint: I had a credit loan from Credit Acceptance over 22 years ago and they have taken in tax money over {$3000.00}, but will never report. Will not come off my report, my life has had denial, from any type of loans for over 22 years, for Credit Acceptance continues to have other agencies buy the account since and continue to harass my life, still continuing today XX/XX/2018. Big affect upon my credit scoring and report appearing two times, as of XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-22

Brentwood, NC

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: 1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the XXXX XXXX.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon PVM closing. 10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 13. In return, Credit Acceptance accepted a forged fraudulent contract from XXXX that I never executed ( See Attachment ). I never gave {$2000.00}. I furnished XXXX {$900.00} cash. I am confirming that I NEVER authorized a electronic application to be submitted on my behalf ( See attachment ). Credit Acceptance stated and informed me that they conducted an on-site visit to XXXX when they were operating however, Credit Acceptance NEVER provided confirmation of what agent, time and date conducted such a thorough investigation of the dealership XXXX. All documents submitted to Credit Acceptance were electronic forged signatures. Credit Acceptance continues to honor the electronic submission without due diligence and transparency to consumers ( me ) .. Credit Acceptance continues to report inaccurate damages to my credit report in which I have no vehicle to date and can not purchase a vehicle due to Credit Acceptance unverifiable credit reporting based on the dealership ( XXXX ) deception and fraud practices. Credit Acceptance is reluctant to explain in detail my concerns and resolve dealership fraud. I have no vehicle and Credit Acceptance have no clue of where the vehicle is located, but they continue to harass and forward me letters stating I owe $ 4,000+ money to them. From my understanding, all other dealerships would have confiscated the vehicle, sold it, and forward me a judgment for the difference. I have not received nothing to date. I would like to detailed explanation addressing my concerns in detail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-18

MI

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-18

Rochester, NY

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-17

Discovery Bay, CA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-16

FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-11

Montevallo, AL

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Talked to a third-party about your debt
Complaint: I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-10

Moapa, NV

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-09

Black Rock, AR

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I received a letter from yall stating that you were trying to give me my title, never have I had a conversation with Credit Acceptance over a title yall have constantly called me about paying my note which I did all up until no one would give me my tags I had finance in I lost my job, I have to pay XXXX to take me everywhere XXXX $ Ive took the biggest financial lost Im now behind on every bill I called XXXX at the revenue office in XXXX AR right in of their employee XXXX XXXX when she told me something wasnt right because people come in here all the time with checks for XXXX never this little though it was only XXXX XXXX Who answered the phone said Credit Acceptance said no which had me and XXXX puzzled because if yall said no why did I receive a check. Then I call credit acceptance and found out yall did finance my tags in but I still never received them I call yall assured me me you would get me my tags then I never got them. The contract is a void I never signed it nor did I ask them to put a extra extended warranty on my car then XXXX XXXX stated I had to have gap insurance or no deal the day I first contacted yall and asked to be out this contract which was bogus and a void you told me it was up to the dealership Never once did yall try helping me. After that I took a good look at the contract which I never signed I have been working on my credit a year now and I know my credit was not bad but yall finance me at XXXX and I still havent received my credit report but dont worry I will they charge me XXXX for financing. He told me I would only pay XXXX for the car for 28 months as as you can see on the contract cash price XXXX but he charged me XXXX and when Im done paying I will be paying what the car is worth with when it came out then XXXX kept trying to tell me my credit was low that credit Acceptance said I only had the option of two cars a XXXX and a XXXX that came in the day before I picked out and XXXX XXXX XXXX But XXXX said yall told me I couldnt have it because of my credit I was totally taken advantage of everything I built credit wise yall have taken from me then call me everyday a bout a carnote that was voided when you refuse to give me my tags then I tried fixing this problem with the XXXX XXXX XXXX contacted me again stating that weee gon na figure out how to get you your tags then you responded to the XXXX stating you seen a paper I signed for a withdraw from my account yes you did for them to take my paper out each month. XXXX falsified I only got back XXXX in taxes I gave XXXX XXXX and bought furniture from XXXX XXXX with the rest I contacted yall when you overdrated my account twice which raised my car note up to the point that y felt like this car deal has dragged me to my lowest. Neither time did you try to help me when u knew for a fact the whole deal was fraud at its finest but I have a copy of everything and not just me the XXXX Inspector General Attorney General XXXX XXXX Financing fraud, Fraudulent misrepresentations, deceptive practices unethical immoral behavior. When i feel scammed by XXXX and Credit Acceptance, im hiring a lawyer. Someone sign my name on the back of that title too I financed that car XXXX knowing Im on a set income, my daughter SSI my Son only got XXXX in SSI and XXXX in child support thats comes on the first no other day I feel like I was set up up to fail when I left to go pick up my son from school in the middle of financing I can get documentation it was around XXXX thats when I believe that contract was tampered with but at the end of the day I still didnt get my tags he kept saying I had bad credit and my credit wasnt bad he said credit Acceptance almost wouldnt take the deal and I called yall and told you exactly what was going on and not one time did yall try to fix I call yall trying to fix it when I started my job and still no tags so credit Acceptance is just as responsible than XXXX XXXX interest rate paid thats on a XXXX dollars less that what the car is worthThen yall come take the car without offering me My belongings we all know why tho, but XX/XX/XXXX it was already a breach of contract when I never received my contract this whole. I want this off my credit I want my money back, everything I lose will have back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-09

Northside, NC

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/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

Timely Response

2018-07-09

Hickory Hill, TN

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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-07-08

Black Rock, AR

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 put XXXX down on a XXXX XXXX XXXX XXXX XXXX Dealer located In XXXX my payment would be low and so my tags would be financed in because I didnt work but my son and daughter Both receive XXXX at the time which comes on the XX/XX/XXXX of each month and my son gets child support they used those documents to finance meMy contract says XXXX but I only put down XXXX. XXXX Said I couldnt get the XXXX XXXX XXXX because XXXX XXXX said I only had two options A hatchback and that XXXX XXXX XXXX which someone had traded in the day before because of my credit history. I said well if I put my XXXX down finance my tags in because I dont work and I my brother is sick with als I cant go without a vehicle Im his power attorney and they tried charging me XXXX to finance my tags when thats the reason I gave them XXXX and was a great and today the XXXX a at the mileage and good condition the car was in only worth XXXX was upset but they had already ran my credit I wasnt letting no one else, He said he would sell the car for XXXX for 24 months then he told me I could get the car without Gap insurance which most of it goes to his commission which made my payment XXXX wayyyOut Of my budget I was hoping for XXXX or XXXX Im a unemployed single mother of XXXX .. but it was verbal only XXXX XXXX said it took a lot to get You fianc because of my repo and credit history And inquires my scores was wasnt bad when XXXX XXXX sold me a bad vehicle and because I had no knowledge about dealerships and them using shotgun the shot XXXX approached to finance I did blow my credit score up with inquires, I only had 1 repo in XX/XX/XXXX that comes out in XX/XX/XXXX, nothing major and I had been building my credit because after how bad XXXX did me and cause me to lose everything I studied luckily I wrote a letter of revocation and showed proof to the credit unions and had XXXX removed that raised my score, I got approved for a XXXX XXXX credit card, I also got approved for a XXXX account and writing the credit union removing inquires because I wanted the best interest rates, I got XXXX XXXX for XXXX down and my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX me for Mobile Home. After I lost everything I applied for a loan at XXXX and she told me all I needed to do was have a car loan to get my score where I need to be I lock all my credit scores and paid everything on time and I even have XXXX XXXX then and now only thing that looked real bad on my score besides the repo was The inquires I had obtain trying to get refinance XX/XX/XXXX-XX/XX/XXXX before I realize the damage and I turn every dealership into XXXX and a lot of those unauthorized inquiries were taking off I have documentation on everything Ok when I was finishing up XXXX told me to told me to go in the back and finish my paperwork with this guy idk his name but it was a big guy and he said bare with him he dont normally work back back thereI told him I want my carnote to be automatically to be pulled from my account and I signed a consent form because I was trying to do better with my priorities after losing everything he said your first payment will be due on XX/XX/XXXX, I said no Im on a set income and the money want be there on the XX/XX/XXXX checks dont got till the first and Im not working he was suppose to fix it I had to get up and go get my son from school.. I My tags were set to got out XX/XX/XXXX so I went by their early and said I need the paperwork And the blonde lady at the desk said dont worry we will register it for me. I let a lot of things go over my head but I no dealership has every registered my car even Car-today And My last dealership paid for my tags but I still registered it, then one day the same woman called me up there to pick up my check for my tags gave me all the stuff they said my sales tax was XXXX something but the check was only XXXX I thought maybe they paid their half and XXXX at the XXXX XXXX XXXX said something aint right they didnt even pay half of your taxes. She said everyone else that buys from them that come in here have never had checks this small and your paperwork says that were financed in you need to call the dealerships and she whats going on and when I called they told me XXXX XXXX said no. I went back and told XXXX at the revenue office she said said call XXXX XXXX. So I did and made a complaint I said XXXX said yall told them no on financing my tags thats when they told me your tags are financed in and. then I said this whole car deal is bad I want out then the woman said its up to the dealership, she then said gon na see how she can get me my tags and I never heard back thats when I took a good look at the contract and realized no matter how much you study a man needs to go with you cause XXXX did me in they finance my XXXX XXXX XXXX At XXXX the value only XXXX on a good day the interest rate XXXX financed charges XXXX total sale price XXXX it was only worth XXXX when it came out., I lost my job, they the over draft fee when they tried pulling my car note out on the XX/XX/XXXX cause my car note to go up to XXXX. I gave them consent to take out my account but not on the XX/XX/XXXX when I only get paid on the XX/XX/XXXX not one time did XXXX XXXX or XXXX try to work with me and see whe went on. The I turned them in to FTC and. XXXX and a women called me the next day asking what happen I told her I told yall months ago b4 it got this bad calling harassing everyday even if I talked to u the day before, then she said your tags have been registered we received papers as the Lienholder and I still got my paperworker the title paper I didnt register it I got a car outside that I spent all my tax money on I cand even drive I take XXXX everyday and its breaking me Im behind on every bill, I started school XX/XX/XXXX but I got XXXX quit because I cant afford XXXX prices and feed my kids and I cant get my needed documents in I cant take my kids to the park my brother is in his Last stages of XXXX I cant even see him Ive been in the house since my tags went outthe woman never called back but they wrote the XXXX saying I gave them consent to pull out my account yes I did but not on the XXXX why would I do it came be late I never received a copy of my credit score I still dont know who registered my car and why I paid down XXXX for a XXXX XXXX XXXX why I couldnt pick my own car and why my pay paperwork says XXXX that my tags was financed in but I dont have the tags or nor did I pay XXXX this contract should be void Trying to do better I feel like I was set up to fail I wan na know my credit score the day they pulled it I wan na know. Fraudulent Misrepresentation is what you call it Negligent misrepresentation. The Contract is a lie XXXX And XXXX XXXX have cause me huge financial losses XXXX XXXX calls you all day everyday They havent responded backed to XXXX XXXX help me. They had two warrantys on my contact on I never new Of and someone signed my name to the title I ask to be out the bad deal when I first contacted XXXX XXXX. Ive lost everything they came and got the car.. I contacted the CFPB, XXXX, FTC, and applied for legal aid the whole contract is a void I gave them permission to take my payment out monthly on the XX/XX/XXXX not XXXX more dollars to finance my tags I want my money back me and my kids are careless now XXXX said I had to have gap insurance and he also told me my credit wasnt good enough to get the XXXX XXXX or I to get that gap insurance had to couldnt get the car, he also told me the car was only XXXX ... they charge me XXXX to finance my car and at a XXXX interest rate I never received my credit score .... I was taking advantage the contract is a complete void and I never new of the XXXX extended Warranty they overdrafted my accound twice raising my carnote .. I hit a pothole paid XXXX for the damages and still paid my car note and almost lost my home and when they refused to give me my tags and I realize the whole contract was void I no longer could to pay every since I paid for the pot hole damages I been behind on everything this car and dealership has put me in the worst financial situation they bumped my payments up to XXXX .... I lost my job after they refused to gives me my tags someone signed my name to the back of the title I lost XXXX dollars I dont work thats why I asked for my tags to be financed.. Ive reached out to everyone these last 6 months I dont know when but they came and got the car, my only mistake was going to that dealership my myself they lied and scammed me and took my money and car. I had been working so hard to get my credit up Im XXXX out now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-07

North Prosser, WA

Incorrect information on your report

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

Account information incorrect
Complaint: I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response