CREDIT ACCEPTANCE CORPORATION

2019-08-30

Chattanooga, TN

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

2019-08-30

Decatur, GA

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

2019-08-29

Arlington, TX

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

2019-08-29

Oceanside, CA

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

2019-08-29

Glendale, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Brooksville, FL

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

2019-08-28

Euclid, OH

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: My car was purchased XX/XX/2016 and my payment is XXXX a month I called the company to make arrangements do to my pay not being on the XXXX of each month. The rep stated what day will work for u I said no later than the XXXX of the month. The response was it's not a problem. So they started calling me on the XXXX I stated to them I made arrangements to pay by the XXXX and was told it was not a problem the rep on the phone said that no one told me it was not a problem. So this month I payed XXXX on the car and made the XXXX payment on the XXXX now I am being called over XXXX saying it's a pass due late fee and they will take my car I stated to them I was never told I had a late fee and the rep said it's not her problem and I said I will pay it on the next payment due to me having a hard time and she said well we will continue to call u .I said I have been called more than 7 times a day she hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-26

SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have been trying to get verification from Credit acceptance corporation and all 3 credit bureaus about this fraudulent account that is reported on my credit reports and have yet to receive any response 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

2019-08-26

OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: I got a letter in the mail from credit acceptance they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

Memphis, TN

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company Credit Acceptance ( CA ), added repo fees and late payments to my account totalling {$3000.00}. I talked to ( CA ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. CA did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now CA is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to CA to see if something could be worked out concerning this to help me improve my credit and CA refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the{$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

Seneca, SC

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: Every month Credit Acceptance Finance company is reporting to all 3 of my credit reports as if I'm late in making a car payment. The account with Credit Acceptance has been closed since XX/XX/2017, the month and year that they picked up there vehicle. How can they still be reporting to all 3 credit bureaus like the account is still active? They've had there car back since XX/XX/2017 and they still reporting as if I still have the car and I'm making late payments, that info is incorrect reporting to my credit for almost 2 years 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

2019-08-23

MI

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Suv got repo told them to sell and let me know and also was starting bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

LA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I have been disputing this issue with all three bureaus they keep saying the information is correct and accurate from the creditor point of view this is the problem I felt behind on my payments they repossessed my car but before they repossessed it I asked for and extension before I got behind they told me I had to make the full payment then they would see If they could set it up I told them if I had the full amount I wouldn't need and extension then I felt behind they repossessed the car called me and said how much I had to pay to get it back I paid it we talked on the phone and I paid it took three days to get it after I paid the money I agreed to pay XXXX a month until I catch up with the past due payments I did that for a few months and I couldn't afford it so we worked out another agreement that I would pay XXXX by weekly starting my next pay date so I split the payments but they have been reporting to the bureau like I'm not paying at all they have all x, s since the repo and I have been making payments and on some of the balances after the payment it didn't change it went down a few dollars or in some cases after I paid it went up so I even asked if I had any extra fees they said no then I called again and one rep said I had interest I asked how then they hung up I called back they connected me to someone else l keep trying to get this straight and everyone making me feel like I'm crazy like I can't add or see what's going on and they also have on my report that I have 29 missed payments and I would like to have that corrected as well if I would've had that many missed payment they would have repossessed my car again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

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

2019-08-20

Rochester, NY

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: The date was XXXX/XXXX/2019. At that time $XXXX.XXXX which was going to be paid with arrangements that was made. But they came out with no warning they took the car,the morning of the arrangements. Repossessed it. Added extra fees, which I was unable to pay to get vehicle back. Now they are saying I owe even more money, over $1000.00. First of all they were wrong for even taking my vehicle. As I had already made arrangements with different custormer service reps. Wrong fully repossessed car. I'm not able to pay. Thank you. 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

2019-08-20

Austin, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I co-signed for a loan in XX/XX/XXXX. In XX/XX/XXXX my son was in a car accident and the insurance company deemed it totaled in early XX/XX/XXXX. XX/XX/XXXX my son called the lender , credit acceptance , to get payoff status. They informed him it was in a repossession status’s abd there was nothing he could do at this point. I personally contacted the lender. They informed me it was due to not receiving proper documentation from the insurance company. They mentioned they attempted to contact myself and my son numerous times however we both received nothing. I feel they’re being unfair and not willing to assist with this error that was obviously caused by miscommunication. My son has never been late on his payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

Saint Petersburg, FL

Incorrect information on your report

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

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

Timely Response

2019-08-15

Saint Charles, MD

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

2019-08-14

MS

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I have an auto loan with Credit Acceptance a second chance finance company. I get harassing phone calls from them every month. They call the day after the loan is due and I tell them that I will pay this loan on the XXXX Friday of every month. Then the turn right back around and call me every day. I mean every day to ask what day I will be paying the loan and can I borrow the money from someone. That's disrespectful especially to someone whose told you what day the payment is going to be made on. Also, it's just plain old rude as heck. I have even asked if they could move my due date closer to the XXXX Friday of the month so I don't have to go thru this with them. Please help me get some relief from this creditor. I have never been harassed like this before. I pay my bills and I have a set order everyone gets paid in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-13

Dearborn Heights, MI

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-08-13

MI

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Title loan

Complaint: Had a Truck loan with Credit Acceptance Corporation and paid it off in XX/XX/XXXX never received the release of lien for the title letter at that time XX/XX/XXXX. Selling the truck XX/XX/XXXX contacted Credit Acceptance Corporation to have the lien release letter faxed. Was advised fax to arrive within 24-48 hour. Never received Friday XXXX XXXX, XXXX and was advised it was faxed at XXXX that morning never was received. Re-contacted Friday XX/XX/XXXX and was told it would be faxed by the end of the day, never received. Another call Monday XXXX XXXX and was advised the fax would come with-in 15 mins, never received. Call back 2 hours later was advised Title department is closed. Still no fax of lien letter. I'm just continually getting the run around and lack of support, not understanding why they are keeping my lien & Title of a Truck that is rightfully mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-12

OH

Improper use of your report

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

Reporting company used your report improperly
Complaint: There was a car loan open in my name that I didnt approve of nor knew about. Credit a acceptance keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with credit acceptance they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent 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

2019-08-10

Garden City, MI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I was desperate to find a low cost vehicle and planned on buying used. I am having financial hardship. Went to XXXX XXXX. I requested to see car advertised on XXXX. Price slightly less than {$17000.00}. Nothing explained to me before signing agreement with XXXX and Credit Acceptance Corporation. Payment > $ XXXX/month. I told them I can not afford the payment and broke down crying. I expected a ~ {$13000.00} loan. I put {$4000.00} down. The purchase price was listed as {$23000.00}. {$10000.00} more than expected. I was told ; because of my bad credit the only way a financial company will loan me any money is if its above a certain amount ... .to be determined by the lender. I anticipated higher interest rate but theirs higher than anticipated. 22.99 %. I said well if they require more money for the loan I will get a better car. I was told, oh NO you can not do that. I asked why? Because they will add more money to that loan. I asked about a new car for that amount and told they wont finance a new car. I was being told that I had to do this type of financing because of my bad credit and I felt forced into signing contract because they told me I couldnt do better anywhere else. I asked 2 other car loan companies about their financing and they said they dont do that. One company was XXXX XXXX who sent me your contact 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

2019-08-09

West Harrison, NY

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

2019-08-09

West Harrison, NY

Incorrect information on your report

Vehicle loan or lease: Loan

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