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 31
2017-09-04
Greenwich, PA
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: On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-01
Canoga Park, CA
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-01
Bridgeport, CT
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-31
Irving, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-30
NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX, XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor, ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-27
Charlotte, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-26
Dellslow, WV
Confusing or missing disclosures
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-25
Pine Forge, PA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-25
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-25
Flint, MI
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-24
Antioch, CA
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
2017-08-24
Mem, TN
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
2017-08-23
Garrison, MD
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
2017-08-21
Antioch, CA
Written notification about debt
Debt collection: Other 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
2017-08-21
Albuquerque, NM
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-21
Manassas, VA
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 FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX. WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-19
Okc, OK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XXXX/XXXX/XXXX my sister ( XXXX XXXX ) and I went to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a vehicle. We where dealing with a salesman named XXXX. We worked out a deal through credit acceptance was going to finance the car, which is a XXXX XXXX XXXX. They salesman named XXXX informed us we had been approved and we are now going over to finance to finish the deal. We over to finance did paperwork with a man named XXXX. As we were getting finished XXXX told us we still needed our bank statements, but we can still drive the car off the lot. He printed us a 2-temp tag and told us once you bring your bank statements back we can finish the deal and we will give you the 30-day. So XXXX took the statements back on XX/XX/XXXX. They told her there was an issue with her statement so she would need get print another copy and take it back. So on Saturday XX/XX/XXXX which was the day the 2-day tag expired we went back together to drop off her bank statement, they took the bank statement and told ok everything should be good on Monday we will call you. So I asked what about this tag it expires today, XXXX the salesman stated well as long as you do n't get pulled over you should be good. Everything will fall on us. So we left. I went home and I called back because that just did not sound right to me. I spoke with XXXX and asked her if we could get another temp tag or is there something else we can do, because I did n't feel comfortable with my sister driving around all weekend with an expired tag, her response was, it should be ok as long as you do n't get pulled over. So Sunday XX/XX/XXXX left the car parked in the driveway just to be safe. So Monday XX/XX/XXXX I called to XXXX XXXX to see if everything is ready as far as the tag the transferred me to a voicemail. I called back to talk to XXXX, they said he is with a customer. I continued several more times to call XXXX XXXX due to me being at work. No one would return my call or come to the phone. Then finally the lady XXXX called back, and said they talked to XXXX and the we just needed to come in and sign the rest of the paperwork to finalize the deal. So I went first when I got off of work at XXXX. Got there went to talk to XXXX who did the initial paperwork, and he walked me back over to the used dealer side and said the have your file over here. I asked him, Is everything ok? Did the deal not go through? He did n't answer my question he just said her sit here in this waiting area and Ill be right back, never came back I actually seen him walk out of a side door. So I waited about 30 minutes and then I walked towards the front, I saw XXXX to original salesman, and he said what is going on, I told him you tell me they called and told us to come back and now nobody knows anything. So he walked in the office and came back and said there was an issue with the bank statement and XXXX 's income so we cant do the deal you are going to have to return the car. So I called XXXX to bring the car to the lot. She brought the car back we talked to XXXX he claimed it was an income issue even with XXXX ' XXXX and my income. So returned the car and let the dealership on XX/XX/XXXX. On XX/XX/XXXX I got an alert that there was new info added to my credit report. It is showing that we have an open loan with Credit acceptance for XXXX open on XX/XX/XXXX. So I called this company and they confirmed that it was opened for the XXXX XXXX XXXX. I explained what happened to the finance company. They told me the never heard anything from the dealer and that I need to contact the dealer to they can send over the proper paperwork to get this removed from My and XXXX credit report. I called could not get through to any on so I left a message. A XXXX XXXX called back we spoke about the issue on XXXX and he assured me that he would get in contact with the finance company to get everything corrected. I called back to the finance company on XX/XX/XXXX to confirm and the still told me they have not heard anything from XXXX XXXX. I called back to speak with XXXX and left a message. He returned my call a few hours later and that is when I asked him for documentation s well, his first response we have n't we already talked about this? I told yes but I need documentation as well. He took my email address and said he would get something sent over, I have yet to receive it. My complaint, is that this company was misleading, falsified information, and poor customer service. And now due to them false reporting on our credit report, it is hindering us from finding XXXX another car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-17
Washington, DC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I noticed a fraudulent account on my XXXX report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an involuntary repossession. I filed a police report and submitted it to Credit Acceptance as well as XXXX asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from Credit Acceptance. And XXXX continues to tell me that Credit Acceptance has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-14
Jamaica, NY
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
2017-08-11
Alexandria, VA
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: Creditor : Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Name of Original Seller : XXXX XXXX XXXX I am writing in regard to the above referenced account and transactions. This vehicle was repossessed by Credit Acceptance in the Virginia on XX/XX/XXXX, and resold on or about XX/XX/XXXX. The creditor gave me no absolute chance to gain reinstatement of the Chapter XXXX dismissal or relief of the contract. In the letter there is admittance that the dismissal was XX/XX/XXXX, but they repossessed the vehicle within 22 days on XX/XX/XXXX with no evidence of filing to reinstate. However, on XX/XX/XXXX my attorney contacted XXXX XXXX whom represented Credit Acceptance asking why the vehicle was taken prior to the Motion of Reinstatement. Also, the repo company took my personal items and refused to give them back unless I pay a service fee. I never received my personal items back for the repo-company nor Credit Acceptance. Virginia law clearly states that a creditor may not keep or sell any personal property found inside the vehicle. According to the letter it states that my first delinquency which is not correctly documented was XX/XX/XXXX, so it is very in the obvious falsified document Credit Acceptance is in failure of removing the negative information as of XX/XX/XXXX in accordance with the FCRA. Also, payment was submitted to the company by the bankruptcy trustee, proving the creditor was accepting full or partial payments. This is considered to be implied acceptance and therefore, their actions were unlawful. Some debt buyers try to get around this law by reporting an old debt as newer than it really is. But by lying about the age of the account is or the date of any delinquency, the debt buyer violates the FCRA. I have filed several disputes with Credit Acceptance and the CRA as a willful violation. The definition of willful is the failure of being in compliance with FCRA will allow me to seek actual punitive damages for violations of the FCRA. A willful violation does n't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. Also, the creditor has been reporting this on my credit report several time and the results show the determination to conduct collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The false representation of : the legal status of the alleged debt and any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. reporting an account as active when it was voluntarily closed by a consumer reporting information that is more than seven years old misstating the balance due reporting late payments when you paid time notifying every CRA involved that you dispute the debt The term XXXX XXXX military consumer means a consumer in military service who is on XXXX XXXX ( as defined in section 101 ( d ) ( 1 ) of title 10, United States Code ) or is a XXXX performing duty under a call or order to XXXX XXXX under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10, United States Code ; and is assigned to service away from the usual XXXX XXXX of the consumer. Under the laws of Virginia 6.2-2217. Limited recourse ; repossession and sale of motor vehicle. Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. A creditor must give you at least 10 days notice before selling your property. A creditor also cant delay too long before selling your property. A creditor must sell your property in a reasonable way it was sold to a sponsored private auction ( noted on auctioneer website ) at XXXX of XXXX, XXXX ( Enclosure 3 ). This auction provides registered dealers, brokers, automobile manufacturers, rental agencies, as well as corporate and government fleets with a complete vehicle marketing solution in the XXXX XXXX area and Virginia ; so it was not sold in a reasonable way due to the fact that I was uninformed, unable to attend, or participate in bidding. Credit Acceptance is in violation of the FCRA for the impermissible purpose as a creditor on of checking out my current financial activity. It is evident that this was done deliberately due to the recent reporting of old debts as new or re-aged. This practice has been done numerous times with Credit Acceptance in which it falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of the account, such as changing the date I opened the account, last reported, or last made a payment. This has been a problem because when I had applied for a car loan or mortgage, for instance, the bank may thought that I am currently having trouble paying my bills. Unfortunately, it has become apparent and normal for this subprime lendor to have borrowers pay twice the cost of the car, charging past-due higher interest rate, additional payments over the life of the loan of {$5000.00} to 8,000 from the up to 24 % annual rate. Note : Yet Credit Acceptance makes its loans knowing that a large portion of its customers wont have the happy endings advertised in the promotional materials. The company operates on the assumption that it will collect only about 70 percent of the money it lends outwhich means it will end up repossessing an awful lot of cars and suing those customers for the balance. As XXXX XXXX banks clamored for more securities built on subprime auto debt, Credit Acceptance pumped out ever more paper, boosting loan volume by 23 percent in XX/XX/XXXXand 30 percent in XXXX. ( Growth has been slower in subsequent years due to increased competition, notes the companys XXXX annual report. ) In the meantime, subprime lenders have boosted their average interest rate on used cars from 16 percent to nearly 20 percent annually, guaranteeing that more customers will default and end up with punitive court judgments and garnished wages. In XXXX, jurors found that Credit Acceptance had violated state law ; they awarded XXXX {$1.00} million in compensation and damages, to be split with her lawyers. A Missouri appeals court upheld the verdict. The company used its superior position to misrepresent to XXXX that she owed payments under a void sales contract, Judge XXXX XXXX XXXX wrote, adding that the companys conduct was sufficiently reprehensible to justify the large sum. Last year, Credit Acceptance revealed in shareholder filings that it was under investigation by the Department of Justice and the Federal Trade Commission for questionable practices related to subprime lending. The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. I have disputed this matter with both the company and the credit reporting agency, but it has not been resolved to my satisfaction. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-10
Royal, TN
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
2017-08-08
West Newfield, ME
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
2017-08-07
AL
Credit monitoring or identity theft protection services
Vehicle loan or lease: Loan
Billing dispute for services
Complaint: I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-04
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: I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-04
Taft, 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