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 2

2019-11-11

Montgomery, AL

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

2019-11-11

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

2019-11-05

Wind Point, WI

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Complaint: In XXXX, we filed chapter XXXX bankruptcy in the Federal Courts of XXXX Indiana. After the case was filed, Credit Acceptance pationed the court to have the vehicle returned to them. The vehicle was in the state of California, they were told where the vehicle would be and to pick it up. A week went by and the bank did not pick up the car. The apartment complex where the vehicle was, had the vehicle towed. The company that towed the vehicle tried for many months to contact the bank to let them know he had the vehicle. The person that towed it put a mechanic 's lien against the car for towing and storage fees. After the required time the person that towed the vehicle had the state of California crush the car. Credit Acceptance never made an attempt to secure their interest after pationing the federal court. Now in XXXX, Credit Acceptance brings a debt garnishment suit to the state of Wisconsin and is given said garnishment for a debt that was suppose to be settled in federal court. They are garnishing my check for the balance owed, even though they never secured there interest in the pation that was given in federal court. Our bankruptcy case was dismissed in 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

2019-11-05

WA

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: You falsely advertise that you help consumers. In actuality, you suck every penny that you illegally can from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

San Francisco, CA

Getting a loan or lease

Vehicle loan or lease: Lease

Fraudulent loan
Complaint: I received an email from Credit Acceptance to set up online bill payments on the purchase of a used vehicle. I have not ever purchased a vehicle through their network. I spoke to a representative and he was not able to give me any details on the purchase. I received a reply from their legal depart because of my complaint and they are not able to give me any details on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

WA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: You ignore my statements about the amount negotiated for my loan ( {$4500.00} ) you try to justify your illegal contract and fees that i did not agree to. IT IS STILL AN ILLEGAL CONTRACT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

Alafaya, 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 monetary relief

Timely Response

2019-11-05

San Antonio, TX

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I was told to response and receive by USPS mail a letter from Credit Acceptance. A pre agreed to amount I paid {$200.00} whenever I received letter and I did. This month XX/XX/XXXX the agency reported that I missed a payment and I did not. As per agreed I called in and was on an endless circuit which returned and never connected me to pay so I mailed payment before its due. Therefore I dispute the claim I missed a payment. I want that " missed payment '' corrected since it negatively impacts my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-04

Gloucester City, NJ

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

2019-11-04

Foothill Ranch, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2019-10-31

Rosenhayn, NJ

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: Credit Acceptance placed unauthorized inquiry on credit file. Requested validation of authorization and signature multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Shalimar, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-10-28

WI

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I took a loan out for {$15000.00} approximately in XX/XX/XXXX. The car payments were being made automatically out of my checking account. In XXXX I'm told that I'm being sued from credit acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX I told XXXX XXXX XXXX that I wasn't aware the payments were not being made. Granted I should balance my checking, but I know the amount of money approximately going on so I know I'm safe. I never received any notices from credit acceptance stating they were going to repossess the car so I was confused. XXXX XXXX XXXX set me up on a payment plan for {$650.00} s month. I told them that amount was too much they said that was all they could do. I wasn't able to come up with the {$650.00} however the next month I post dated a check for {$650.00} to catch up. {$650.00} is too much but I was forced that amount for payment. Now my case has been reopened. I wasn't treated right by credit acceptance when I tried explaining the situation. I never received any paperwork from credit acceptance. Upon my own investigation I found out that credit acceptance used my insurance agents address for my address. This would explain why I wasn't getting paperwork from credit acceptance corporation. If I was that far behind on my car payments then I would have received a car repossession. I haven't used XXXX XXXX in XXXX XXXX for my insurance in years. I can't help that the loan was set up with the wrong address. Please help me. It's not right that a company can say they tried contacting you and sent you multiple letters when they entered the wrong address in their system from the start of the loan. Then years later they lie and say they sent me letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Carver, MA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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

2019-10-26

LA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: The wage garnishment is from an auto repo in XXXX from Credit Acceptance Corporation. I had a judgement against me in XXXX. I could not pay as I was back on SSDI. In XX/XX/XXXX I received a letter from an attorney, XXXX XXXX XXXX XXXX, delivered regular mail not certified stating that papers were filed to have my wages garnished. This was the first time I ever heard from this attorney. Around the XXXX of XXXX I received notice again by regular mail, dated XXXX from my employer 's payroll service XXXX stating my wages were going to be garnished for XXXX by deductind 25 % from each check. I never received notice from the lawyer or the Sheriff Office. I have custody of my XXXX grandchildren and I am head of household. There is no way I will be able to pay my bills and provide for our basic living needs. Also, I work for a corporation who subcontracts for XXXX [ XXXX and XXXX XXXX ] a XXXX XXXX who has a difficult background check to pass, which I have not cleared yet. Financial obligations are part of the background check, with that being said I am concerned about being cleared with this wage garnishment. I may loose my job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

PA

Incorrect information on your report

Vehicle loan or lease: Loan

Personal information incorrect
Complaint: Unfortunetly I never signed any of my information on a contract for this vehicle. The owner of the vehicle let someone else sign my 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

2019-10-25

Boston, MA

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

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

Was not notified of investigation status or results
Complaint: I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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

2019-10-24

San Francisco, CA

Getting a loan or lease

Vehicle loan or lease: Lease

Fraudulent loan
Complaint: Identity Theft!!!! Someone used the information I provided on a passport application to take out a vehicle loan and I was just contacted to log into the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Keyport, WA

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: Your instructions to the salesman filling out your usury contract tell him to change the price of the car from what i agreed to pay ( {$4500.00} ) to some {$8500.00} that I did not agree to get a lian loan for. Again, an illegal change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Harrisburg, PA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Houston, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX : Improper Repossession Practices of XXXX XXXX XXXX VIN # Dear Sir/Madam : This is a written statement to notify you of a Violation of the Fair Debt Collection Practices. On the afternoon of XX/XX/XXXX ; I was approached by my neighbor while walking from the mailbox located on the street corner. My neighbor ( female ) who resides at XXXX XXXX XXXX ; stated that she was outside in her yard when she noticed a tow truck driver ( XXXX male ) pulled up and was sitting directly in front of my home located at XXXX XXXX XXXX. She stated because he could not visibly see what cars was at my residence ; due to the garage door being closed. He yelled to get her attention and asked information regarding the residents living in my home and if she saw a grey XXXX XXXX. She asked him what business is it to you, and he told her he had a work order to repossess a XXXX XXXX. She told him that was none of her business and continued what she was doing. She told me he began asking other people outside about the car. She noticed after a few minutes went by the tow truck driver pulled off. My neighbor advised told me to please keep my garage door closed. I immediately advised her that I had nothing to hide and will contact the lien holder on Monday. Therefore, on Monday, XX/XX/XXXX at XXXX XXXX. ; I called Credit Acceptance Corporation at XXXX and spoke to Mr. XXXX at Extension XXXX. I advised him that some tow truck driver ( XXXX Male ) was asking my neighbors about the XXXX XXXX XXXX and had the audacity to state he was repossessing the car. I informed him how humiliating it made me feel to have my neighbors knowing my personal business. I told him if the driver would have knocked on my door ; I would have given him access to the vehicle. He proceeded to take down my statement and assured me he would escalate my complaint to a supervisor and have the vehicle picked up immediately. Furthermore, Im requesting a full investigation into this unethical business practice of this company. As a result of this unethical violation ; Im seeking to have this improper seizure and debt removed off all credit bureaus and seek damages. The creditor did not notify me in writing and/or by phone of the repossession. I was not notified of this debt and/or repossession until after Credit Acceptance received possession of the vehicle and my letter notifying them of this debt. As of this date, my letter has not been responded to by the creditor. I greatly appreciate your assistance in this matter and look forward to your prompt response. Respectfully, 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

2019-10-20

AZ

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: XX/XX/XXXX 1. Credit Acceptance has NOT sent me my lien release for my old car XXXX XXXX XXXX XXXX since XX/XX/XXXX when Credit Acceptance received final payoff of loan on XX/XX/XXXX of {$6300.00}. 2. Credit Acceptance has recorded on all of my 3 credit bureaus ( XXXX , XXXX and XXXX my loan as CLOSED. My loan is PAID IN FULL. FCRA violations. Credit Acceptance by law is to contact all 3 credit bureaus mentioned above -- as paid in full-zero balance. 3. Credit Acceptance has NOT recorded the month of XXXX XX/XX/XXXX payment for XXXX full payment on all 3 credit bureaus. 4. Credit Acceptance has NOT sent me my credits on my old loan. {$15.00} ( see attached ). 5. Payoff for my loan was {$6200.00} per right XXXX and on my finance papers. 6. XXXX XXXX sent Credit Acceptance too much, {$6300.00}. {$110.00} difference due to me. 7. Credit Acceptance stole my {$1600.00} down payment and added it to the cost of my old vehicle-see attached. Auto Dealer Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Blackbird, DE

Communication tactics

Debt collection: Auto debt

Frequent or repeated 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

2019-10-19

AZ

Getting a loan or lease

Vehicle loan or lease: Loan

High-pressure sales tactics
Complaint: AUTO DEALER FRAUD XXXX XXXX, AZ On XX/XX/XXXX, I financed a XXXX XXXX XXXX at XXXX XXXX in XXXX, AZ. At no time did the used car salesman, XXXX, tell me the hybrid battery was out of warranty and over the manufacturer 's XXXX recommended life of battery. The car had XXXX miles. Salesman, XXXX told me, this the only car the lender would give me a loan on for 22.99 %. Usuary is 25 %. High pressure sales. My car died.XXXX stole my {$1600.00} downpayment and added it to the price of the car. The car 's true value was {$6900.00} Dealer charged me {$7900.00}. 15 months later, XX/XX/XXXX, this car died at XXXX XXXX in XXXX, AZ. The battery costs {$4600.00}. Now, XXXX XXXX has NO VALUE!! I traded XXXX in for another car at XXXX XXXX. Now, I have to pay for the deadbeat car from XXXX XXXX-THE SCAM CAR. XXXX had no business selling that car to me or anyone. XXXX needs to reimburse me for my financial losses. {$1600.00} down payment, 15 car payments @ $ XXXX $ XXXX {$5900.00}. Read attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

East Detroit, MI

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


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