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 7
2019-07-15
PA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: My wife applied for a car loan from XXXX XXXX XXXX and needed a co-signer which I agreed to do. However, the dealer put this loan in my name which I did not authorize. I didn't sign anything and wasn't even present during this deal. The car they sold us was a lemon which explains why they were trying to rush this through.
The loan, which started on XX/XX/XXXX, is through Credit Acceptance. They and the dealer have acknowledged that this is an illegal loan and told me to return the car to the dealership which i did on XX/XX/XXXX. The dealer has since relisted the car. I contacted Credit Acceptance multiple times to get this illegal loan out of my name and they are telling me they can't until the dealer releases the loan. Why does a bank, who's financing this, need to wait dealer to terminate the loan? And if this loan is still technically in my name, how is it that XXXX XXXX XXXX has it relisted for sale?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-15
Charlotte, NC
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-15
Georgetown, IN
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: on XX/XX/2019 I went online Credit Acceptance Corp to obtain my payoff amount and received an online quote of {$15000.00}. On the website it shows different ways that I can use cash to pay. I elected to use XXXX, I went to the nearest XXXX station was tried to send the whole balance of {$15000.00} and customer service rep told me that I couldnt send that much to them they had a cap amount. I sent {$5000.00} due to that being the cap amount. That evening at XXXX I contacted Credit Acceptance and explained to the customer rep that I was trying to pay it all off and that I could only send {$5000.00} she told me to wait an hour and try again. I went back to XXXX and was informed that I had reach the limit for the day and that I had to wait not 1 hour that credit acceptance told me but 24 hours.
OnXX/XX/2019 I went online again and got another payoff quote showing the {$10000.00}. Since it hadnt been 24 hours that I used XXXX Credit Acceptance Corp had XXXX XXXX as an option and I elected to use them. I sent another {$5000.00} to them at XXXX.
On XX/XX/2019 I went back on line and did another online payoff quote showing {$5600.00} I again elected to use XXXX XXXX and sent another {$5000.00} to them.After this payment I was showing a payoff balance of {$680.00}.
On XX/XX/2019 I went online to get another payoff quote and it was showing {$980.00} a total of {$290.00} difference. I called Credit Acceptance and noone could explain how I accured {$290.00} in less than 24 hours. Both the customer rep and the manager kept saying that the computer calulates the interest.
I asked what day their interest due dates fall on beginning or end of month and the manager told me daily. But couldnt explain how from XX/XX/XXXX to XX/XX/XXXX I accured {$290.00} in interested. I asked to speak to another manager when she stated that it could take 3 business days for a manager to call me back. I tried to explain to the manager that I was trying to pay it off since XX/XX/XXXX and they were aware of this but failed to educate me that they only allow a borrow to send {$5000.00} at a time using the different payee sources they have listed on their website.
I requested that they adjust my balance to the {$680.00} because that is what was showing on XX/XX/2019 and that they knew on XX/XX/2019 that I was trying to pay the complete balance off. I requested that they show me how the {$290.00} interest was calulated on my account in less than 24 hours and the manager said she cant show me that. I explained that I had my screen shots of where it stated from XX/XX/2019 to XX/XX/2019 what my balance was and they refused to adjust it to the remaining {$680.00}.
I have since paid the {$990.00} and closed my account out with them but I request that I be reimburshed for the {$290.00} On XX/XX/19 payoff quote was {$15000.00} On XX/XX/19 payoff quote was {$15000.00} a difference of XXXX in 24 hours On XX/XX/19 payoff quote was {$15000.00} a difference of XXXX in a 4 day time period.
On XX/XX/19 they told me my pay off quote would be {$15000.00} a difference of {$290.00} in a 24 hour period and noone could explain to me how we went from accuring XXXX to XXXX cents a day to {$290.00} in 24 hours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-07-12
Arlington, TX
Attempts to collect debt not owed
Debt collection: I do not know
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
2019-07-10
Memphis, TN
Took or threatened to take negative or legal action
Debt collection: Auto debt
Sued you without properly notifying you of lawsuit
Complaint: On XX/XX/2019 I sent Credit Acceptance and XXXX XXXX XXXX Company a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX.
On XX/XX/2019, I contacted Credit Acceptance Attorney who is representing them by the name XXXX XXXX XXXX. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at XXXX and XXXX via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to Credit Acceptance requesting the repossession information that's supposed to be provided to the consumer by law.
We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at XXXX and XXXX who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information.
They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}.
This is the second attempt and Credit Acceptance have failed to send me the information requested pertaining to the repossession listed on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-09
Maxwell Afb, AL
Struggling to pay your loan
Vehicle loan or lease: Lease
Loan balance remaining after the vehicle is repossessed and sold
Complaint: Credit acceptance! Repo my car after I told them that my checking account was overdrawn however they want me to pay a certain amount to get my car releases I never been late making car payments They are big scammers and have XXXX customer service attitude
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-08
Rincon, AZ
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
2019-07-06
Mandeville, LA
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
2019-07-04
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TXXXX XXXX XXXX. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. CREDIT ACCEPTANCE CO . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX 11.XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXXXXXX 17.CREDIT ACCEPTANCE 18.CXXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.XXXX XXXX XXXX XXXX 23.XXXX 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
2019-07-03
Savannah, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: My automobile loan on my 2012 XXXX XXXX is through Credit Acceptance. I had already being paying on the loan at a 26 % interest rate with all payments being on time when I called to set up auto pay in an attempt to pay extra each month towards paying my loan off early. When I called I was told by the person answering the phone that I would have to provide proof of income before she could help me. I told her I already have a loan with them and was attempting to pay an additional amount each month in an effort to pay it off early. She continued to insist that I immediately provide her proof of my income before she would help me. I hung up and called back and spoke with someone else who told me I did not need to provide proof of income on a loan I already possessed. A few days ago, I received another call telling me I owed additional fees. I asked how that was possible since I pay extra each month anyway. The person was unable to provide me with the reason and continued to threaten to turn me over to collections and lower my credit score. I told them I was going to report them for harassment and extortion and they hung up. Today I began getting calls again for the same reason. I asked them to pull the recordings of the previous calls and was told they could not do that. I then asked why the pre-recorded message said " this call may be monitored for security purposes '' and again, they were unable to give me an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-02
Montgomery, AL
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
2019-07-02
City View Heights, OH
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
2019-07-01
Hinkley, CA
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Per the letter sent by collection agency sent previously the date of expiration should have been XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-01
OH
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: On XX/XX/2019 i noticed fraudulent accounts on my credit report and challenged them. The accounts were removed by XXXX & XXXX because evidence supports my accusations. XXXX was the only company to not take my claim serious enough to remove it from my report that's what brings me to this report. I have accounts on my reports that do not belong to me and i'm having to suffer. These fraudulent accounts are hindering my growth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-30
E Massapequa, NY
Credit monitoring or identity theft protection services
Vehicle loan or lease: Loan
Billing dispute for services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-26
Liverpool, TX
Threatened to contact someone or share information improperly
Debt collection: Auto debt
Contacted your employer
Complaint: After i filed a complaint on XX/XX/2019, credit acceptance Called my work llace on XX/XX/XXXX and XX/XX/XXXX. Isnt it illegal to contact consumer at their work place?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-25
Detroit, MI
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 five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from credit acceptance/CAC, On XX/XX/2018 come credit acceptance/CAC, on XX/XX/2018 from credit acceptance/CAC, on XX/XX/2018/ from XXXX XXXX XXXX and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-25
Blackbird, DE
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: Credit Acceptance provides users with incorrect account information on their web portal leading to additional fees and credit history damage. When pointed out they would not remove the marks on credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-25
Sanders, KY
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: I bought a 2017 XXXX XXXX in XXXX of XXXX. It was in a car wreck on XX/XX/XXXX and the car ended up being told out. My insurance payday loan someone money for the damages and for it totaled. I had gap insurance to cover the rest of the payment that would have been left over that my insurance did not pay. They are still calling me for money. They are on three all three credit bureaus and say I owe XXXX and something on dollars when I know for sure that this was taken care of and paid off. I had gap insurance for the remaining balance that my insurance company did not pay. They continue to call me and harass me on a daily basis. I would like this removed as soon as possible. As for I no longer owe this debt.Please fix immediately. I would really appreciate it.
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
2019-06-24
Liverpool, TX
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: Unknown account. On top of that, there are Inconsistent information reporting on my credit report on all three bureaus : XXXX reports XXXX balance while two other credit bureaus report a balance of {$6500.00}. Also, there is no indication on which company this account originated from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-22
Irvington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have an auto loan with Credit Acceptance. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor Credit Acceptance own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
MI
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: This company failed to comply with FCRA regulations and notify me that they have/would be/or could report derogatory information to all three consumer reporting bureaus. Despite having an address on file, references on file, an email address on file and an additional authorized third party on file they made no diligent efforts to notify me of this prior to the damages being caused. Their failure to uphold their responsibilities caused me to lose a house I was set to close on valued at {$190000.00} in addition to appraisal and inspection fees. Not to mention, they continuously attempted to draw on a closed checking account and I incurred expenses with my financial institution as a result. I attempted to see if they would remedy this by a good will gesture as I have never been in default before and this was an isolated incident but they replied with " they tried to call me and its my own fault ''. I further explained to them the circumstances surrounding the breakdown in communication and they would not reasonably reach a civil conclusion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-20
Temple, TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: The finance company for my vehicle, Credit Acceptance, has been repeatedly calling me and my co-signer daily. In the attached files are examples of the frequency to which they call. They even contacted our salesman to harass us. He called and text us. His name shows as XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Worcester, MA
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
2019-06-19
KY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Credit acceptance will Not Remove this.
They are crooks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation