CREDIT ACCEPTANCE CORPORATION

2017-11-03

Detroit, MI

Attempts to collect debt not owed

Debt collection: Auto debt

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

2017-11-02

Detroit, MI

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks 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

2017-11-02

Cheverly, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I am to pay on the XXXX of every month to Credit Acceptance, there is no grace period so on the XXXX and up until I pay my payment they call me at least 7 times a day starting from XXXX Est. time till sometimes XXXX. When I fell 2 months behind maybe close to 3 which I do n't know they do n't send no kind of statements or no paperwork of any kind out about the loan the came and repossessed my vehicle. I made arrangements to pay on it to get it out and an amount of {$510.00} on the XXXX of the next month well I tried to explain to them before I okay that arrangement I only get paid twice a month so my first check go to my rent and utilities I can pay on the XXXX but they would n't go for it, so before the XXXX came I called and said I will be late and told them I will have it paid on the XXXX they were like ok thanks for calling us this is breaking your agreement but we will note it. The XXXX come and they started calling my phone again up to 7 times or more a day. I think that is outrageous and I have asked them to please stop calling so much where I work I ca n't answer my phone to leave a message and they wo n't I gave them my Fianc number but they wo n't call her either. Can you help me with this harassment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-29

Detroit, MI

Confusing or missing disclosures

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

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

Timely Response

2017-10-28

El Paso, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and 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

2017-10-26

Ft Myers, FL

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2017-10-26

Phila, PA

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

2017-10-26

Smyrna, SC

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Credit Acceptance Corporation ( XXXX ) failed to honor a reaffirmation on my auto loan following a XXXX bankruptcy filing ( dischargedXX/XX/XXXX ). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects DFD/DLA of XX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting 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

2017-10-24

OH

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: My checks are being garnished by an attorney whom I 've not signed an agreement to pay, nor was I contacted regarding a court date to defend the debt. I have also requested written confirmation that I owe Atty XXXX XXXX XXXX. That information has not been afforded to me, neither has notification of original dates for court. Now 7-8 years later I am contacted. Ohio law states that 6 years is the limit to take legal action. Please help me if you are able.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-23

Long Neck, DE

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

2017-10-21

Austin, TX

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

2017-10-20

Colo Spgs, CO

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Complaint: Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-20

Charlotte, NC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-19

Columbus, OH

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: THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. I PURCHASED THIS VEHICLE IN 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

2017-10-18

Irvington, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2017-10-18

Brooklyn Heights, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-16

Grosse Ile, MI

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Leominster, MA

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

2017-10-11

Philadelphia, PA

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: Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX credit acceptance and XXXX we on my report. Number one I XXXX XXXX XXXX because I have XXXX XXXX so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

Vernon Hill, VA

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: The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX XXXX in XX/XX/XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-08

MS

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is: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

2017-10-08

Banks, MS

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Erwin Heights, NC

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

2017-10-05

Charlotte, NC

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

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

Problem with personal statement of dispute
Complaint: This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Baton Rouge, LA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response