|
11455688
|
2025-01-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11498632
|
2025-01-13
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11551218
|
2025-01-15
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11372672
|
2025-01-03
|
Credit monitoring or identity theft protection services
|
Vehicle loan or lease
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Received unwanted marketing or advertising
|
| Sub Product |
Loan
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This issue is regarding the company CREDIT ACCEPTANCE CORP. They call me while working business hours after I told them I can not take personal calls at work. They call me XXXX times a day for XXXX days a week. While at work I can be on ladders making it dangerous for me to check my phone, and the vibrations in my back pocket make me feel like I can fall off a ladder. Ive told them about this issue and they just brush it off and tell me how much I owe them. They will keep calling me no matter what even if I say put me on a do not call list. They still say people will call you. Im sick of the pain and suffering I have to hear/see when I see their number pop up on my phone everyday. The XXXX in XXXX rule is a big thing and they do not follow all laws regarding to the fair credit reporting act.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11164145
|
2024-12-15
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2024-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6425863
|
2023-01-11
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2023-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
6261523
|
2022-11-30
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Credit acceptance closed this account on my credit report then opened it back as late payments this information is incorrect and is illegal on how it is posted on my report. I have wrote them a certified letter twice asking them to remove this with no response for over 60 days.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6276325
|
2022-12-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Back in XXXXXXXX XXXX XXXX someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with Credit Acceptance and XXXX several times and attempted to get this issue resolved with No result. Ive asked several times for a Letter of Validation from both Credit Acceptance and XXXX and havent received one although I was told it was mailed to me. I have done everything I was asked by both Credit Acceptance and XXXX with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both Credit Acceptance and XXXX refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against Credit Acceptance. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and XXXX stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5063045
|
2022-01-03
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Lease
|
| Date Received |
2022-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10739239
|
2024-11-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4250815
|
2021-03-27
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3820316
|
2020-08-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted Credit Acceptance corporation 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3279600
|
2019-06-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Credit acceptance will Not Remove this.
They are crooks
|
| Consumer Consent Provided |
Consent provided
|
|
|
3764087
|
2020-07-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I had an account go into collections over 2 years ago and recently it now on my credit report as an open account and missed payments are being marked and the balance for the account is increasing, I did not give permission and had no knowledge of it be reopened. My credit score is constantly going down now because of payment history and missed payments Saying I am 180 days passed due from this account that was placed for collections on XX/XX/2018. My reasons ; one it resets the life of the account/debt so takes longer to age off credit, it holds the consumer back not able to open new accounts/credit due to credit score and payment history, Old debt looks like new debt. Hurts consumers credit making it almost impossible to raise credit score without paying off old debt. It makes consumer feel pressured, harassed, held back, oppressed, and unable to succeed. Some jobs like the one I am going to be applying to after I finish XXXX XXXX in 6 months check credit scores therefore making it harder to get a job that would help me pay off debts that I may owe.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3609431
|
2020-04-16
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2020-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late?
I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
480426
|
2013-08-05
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2013-08-05
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-08-09
|
| Consumer Consent Provided |
N/A
|
|
|
2414271
|
2017-03-31
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2017-03-31
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-31
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4200939
|
2021-03-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On approximately XX/XX/XXXX my identity was stolen and used to purchase a XXXX XXXX XXXX by XXXX XXXX XXXX and someone else from XXXX XXXX and Credit Acceptance. The account now shows up on my credit reports and is inaccurate. After {$1200.00} was taken from my XXXX XXXX XXXX Account I opened a investigation and after my bank investigation with XXXX XXXX they found that the money was fraudulently taken from my account by XXXX XXXX XXXX and a unknown person and the {$1200.00} was credited bank to my account. I have done showing that transaction as well as a police report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7807551
|
2023-11-06
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2023-11-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3285987
|
2019-06-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2019-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
2724357
|
2017-11-08
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I looked on my XXXX credit report and noticed a repossession from a company called Credit Acceptance, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it
|
| Consumer Consent Provided |
Consent provided
|
|
|
7149327
|
2023-06-21
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2023-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
When I purchased my car the only information that I was shown was the monthly payment. My monthly payment is XXXX, {$350.00} is going to pay the interest. My interest rate is 16.8 %. I have made 7 on time payments since purchasing my car and no one will refinance the car due to the loan amount of XXXX and the worth of the car being XXXX. I have contacted XXXX XXXX and they will not renegotiate or refinance the car loan. When the loan was proposed to me I was told this was the only company who would finance me and I had a co-signer. I was not shown the interest rate and only asked what amount I wanted to pay monthly. I told the dealer that since my rent was XXXX my car payment should be half of that. I was also told by the dealer that the car, a 2019 XXXX XXXX was the only car on the lot I could be financed for.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3844946
|
2020-09-12
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information is incorrect
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2020-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8109975
|
2024-01-05
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2024-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I went to a dealership in XXXX, it was XXXX XXXX XXXX dealership. I was approved by Credit Acceptance Corp. For a {$13000.00} loan for a XXXX XXXX XXXX . When they approved me I was living in a XXXX XXXX house and I had just gotten a job at XXXX XXXX in XXXX Indiana. I had only been working there for 2 weeks. They asked me for direct deposit records and bank statements. I told them I did not have a bank account but I had a XXXX account. So I gave them my XXXX statements for the previous month and showed them I had only been working for 2 weeks. They approved me for {$13000.00} and some change for a used car. When I got the car within the first week all of the motor mounts broke and the rotors went bad. I took the car back to the dealership because it was under warranty. I called the warranty company and they said that all of the things broken were covered under warranty. The dealership said that these things were not covered so I ended up paying {$700.00} and some change for them to fix everything. I got the car back and it broke down 3 or 4 more times soon after and I ended up just leaving the car in a parking lot and I don't know what ever happened to the car. I just left it there and never looked back. I was over the thing breaking down all the time. Within a month I lost my job and ended up getting a court case against me for the remaining balance of {$12000.00} and some change. I was trying to see what I could do to dispute the case because I was never able to afford it in the first place and I feel they took advantage of me. I was an XXXX in XXXX and had only been working long enough to get one check and they knew all of this. I told the creditor that I was an XXXX XXXX XXXX XXXX XXXX house and was trying to turn my life around and that my work history was terrible filled with gaps in employment. I feel that I was taken advantage of and now I am trying to fix my credit score and the company took me to court and the judge filed in favor of Credit Acceptance Corp. So now I owe them almost {$13000.00} I need help dealing with this please. I am really struggling with all of this and I don't know what to do. I would appreciate any help you can provide.
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| Consumer Consent Provided |
Consent provided
|
|
|
7352738
|
2023-08-04
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I purchased a car and used credit acceptance as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me.
The car has been reporting 120 days late since XXXX of 2019. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right.
This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.
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| Consumer Consent Provided |
Consent provided
|
|
|
7083934
|
2023-06-07
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2023-06-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was told I was getting the car for XXXX or so but the paperwork that was sent to me by credit acceptance was way over XXXX or so .. and they will not work with me on my payments they will not refinance to help me get my payment monthly down.. they have called after I was late on one of my payments saying they would come repo my car... I have told them that there is over 5 recalls on this car and I have been waiting for over 4 months to get the parts so the XXXX people can fix it .. and two of the recalls are on my airbags they are nonfiction at this time and that my traction and stabilization unit is not right so therefore whenever it rains the car tends to want to slide to one side or another and it tries to pull to one side or the other .. very dangerous.. they still said they couldn't help me or let me try to get another car that does not have dangerous recalls on it..
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| Consumer Consent Provided |
Consent provided
|
|
|
10155146
|
2024-09-16
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
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| Sub Product |
Loan
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| Date Received |
2024-09-16
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| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hello my problem is i was talking with a dealerchip to buy a vehicule but hi ask me for somany documentation and i geave him all, and the price hi said for the car is not, and when the finance aprouve the contract he just signe without telling me the price and i alwas aak him for the final price he never want, and the last time he calling i was in my work job, and after i sow i contract for, XXXX time the price, when i call the finance to explain then they allwas don't take care after they said the need to investigate after a long time thaey told me i have to pay, and i said no the try to broke my credit, i ask them to cancel that or change the car they fo n't want and the car i never try it, so i was calling credito reclamo they geave me the website to talk for that, just need your help please
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| Consumer Consent Provided |
Consent provided
|
|
|
8030534
|
2023-12-20
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2023-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9876560
|
2024-08-21
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
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| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account reinstatement or redemption after repossession
|
| Sub Product |
Lease
|
| Date Received |
2024-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I been XXXX out to this company for over a year now an they are refusing to communicate With My Mail Notices to this company. I need them to validate this debt That I Owe! Punishing borrowers with repossessions : Credit Acceptance Corp demanded borrowers pay for coverage they did not need or else face delinquency, additional fees, and repossessions. Credit Acceptance Corp conducted repossessions of vehicles when the delinquency was caused by the bank charging unnecessary and duplicative coverage. XXXX XXXX XXXX XXXX is where I got the vehicle from has refuse to give me Bank information on My Retail installment Contract tell me my bank is Credit Acceptance Corp an that is inaccurate! I been scam Into a XXXX XXXX XXXX XXXX XXXX! An XXXX Initials Are Invalid On this contract! illegally loading up auto loan bills with excessive charges, with almost XXXX of families losing their cars to repossession! Out in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANCE CORP has XXXX XXXX XXXX and charged illegal fees by forcing loan borrowers into unnecessary and duplicative coverage policies! I had got A letter from credit Acceptance corp asking for XXXX or XXXX XXXX, I had reach out asking for the XXXX XXXX XXXX XXXX an This company Refuse to Comply and tell me they don't except Bond Only Cash when they stated it in the Letter! Giving me a hard time to setoff this debt to the XXXX XXXX XXXX XXXXXXXX XXXX! Also they Use My Name on my SSN # an so I know in Fact They are Using My Account To Pull CREDIT! I never Gave them A Middle Name Only First An last Only! Also the Purchase Price Don't Match My XXXX PURCHASE PRICE! Also the contract Dont Give Full disclosure Of the State Of XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6681573
|
2023-03-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
8071091
|
2023-12-28
|
Identity theft protection or other monitoring services
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Identity theft protection or other monitoring services
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem with product or service terms changing
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2023-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
financial ruin by tricking into unaffordable, high-interest auto loans while cutting backroom deals with dealers to increase their own profits! Scam into a fraud Contract.
Also I went to the dealership an The Rep I spoke with I had To file a complaint After emailing to come into the office for high interest Rate on my contract an when I got there they couldn't help me due to A lot of people are in my situation.
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| Consumer Consent Provided |
Consent provided
|
|
