|
11622865
|
2025-01-19
|
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 |
2025-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Due to XXXX Data Breach Dear Sir or Madam, I am submitting this formal complaint regarding inaccurate late payments reported on my credit report. These late payments were recorded for my account with Credit Acceptance ( Account Number : XXXX ), and they were the result of fraudulent activity caused by the XXXX data breach, in which my personal information was compromised.
The following is a list of the disputed late payments : Creditor Name : Credit Acceptance Account Number : XXXX Late Payments Reported : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am exercising my rights under XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), which allows me to dispute inaccurate information on my credit report. These late payments were caused by identity theft, and I am requesting that the CFPB intervene to ensure that these inaccuracies are corrected.
I have already submitted a dispute to XXXX regarding this issue but am seeking your assistance in making sure these late payments are removed from my credit report due to their fraudulent nature.
Attached to this complaint are the following supporting documents : 1. A screenshot confirming that my personal information was compromised by the XXXX data breach.
2. Payment account records showing the accurate history of my payments.
3. A copy of my credit report, with the disputed late payments clearly highlighted.
I respectfully request that the CFPB investigate this matter and assist in ensuring that these incorrect late payments are removed from my credit report.
Thank you for your time and consideration. I look forward to your prompt response and assistance in resolving this issue.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11832340
|
2025-01-29
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Lease
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
10773292
|
2024-11-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Auto debt
|
| Date Received |
2024-11-12
|
| 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
|
| Complaint What Happened |
I co signed for someone that I was dating years ago that turned out to be a XXXX XXXX so I wasnt going to keep the vehicle and he wasnt willing to pay for it When going to purchase this truck the salesperson never told me the asking price of the vehicle. I repeated the question of how much the vehicle cost and he never told me until after I signed the paperwork. The vehicle was in such bad shape we Kept taking it back for repairs and he would only do just enough to get us off the property and then its back broke again. I spent XXXX of my own money trying to get the vehicle where it was able to be driven. So long story short I ended up giving the vehicle back we parked it on the lot with the keys in it. And the person that was on the paperwork didnt have a valid drivers license.Its been over XXXX years that I havent had this vehicle. Lesson learned never co sign for anyone especially not with a shady car lot. Please help single mother in need .Thank you in advance for this matter. XXXX XXXX shame on you. Smh Helping XXXX salesman, XXXX XXXX hard working citizens. For everyone out here dont trust these people, if they dont tell you the asking price thats a big red flag.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11337607
|
2024-12-31
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2024-12-31
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
| 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
|
|
|
10775524
|
2024-11-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have no debt outstanding with any collection agencies.
I have been receiving unknown calls from creditacceptance, sometimes upwards of XXXX calls per day. When trying to reach them on the phone they ask you to verify your full social security number.
These are the numbers i have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11344352
|
2025-01-01
|
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 |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XX/XX/XXXX SXXXX ran credit for car loan.
Never returned call to give outcome of application.
Gathered my data and guaranteed a car loan.
Never done.
Hard Inquiry remain on credit report with XXXX.
It is over two years old.
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Credit Acceptance Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10812550
|
2024-11-15
|
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 |
2024-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. XXXX and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11610081
|
2025-01-20
|
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 |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11252157
|
2024-12-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
|
|
11667568
|
2025-01-17
|
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 result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11431269
|
2025-01-08
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| 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 |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
| 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 Corporation po box XXXX XXXX, MI XXXX Dear Credit Reporting Department , I am writing to formally address a serious violation of my rights under UCC 9-609 , related to the wrongful repossession of my vehicle, which occurred on XX/XX/year>. It is my understanding that, under UCC 9-609, a secured party may only repossess collateral without a court order if the repossession is conducted in a peaceful manner.
However, in this instance, no court order was obtained, and your actions resulted in a breach of my peace, which is not only unlawful but also entitles me to statutory damages.
To clarify, UCC 9-609 explicitly requires that repossession must be peaceful. The actions taken by your company and Specializied Towing located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX which include the seizure of my vehicle without notice or consent, were not peaceful and caused a significant disruption to my daily life. This breach of my peace, combined with the fact that no court order was obtained, makes your actions a clear violation of my rights under the Uniform Commercial Code.
As a result of this violation, I am entitled to statutory damages under UCC 9-625, and I hereby demand compensation for both the financial harm I have suffered and the breach of my peace. Specifically, I am entitled to : 1. The Full Financial Charge for the Vehicle : The total amount owed for the vehicle, which is {$47000.00}, as a result of your unlawful actions in repossessing the vehicle without legal authorization.
2. An Additional 10 % of the Purchase Price : As provided for under the relevant provisions of the Uniform Commercial Code, I am entitled to an additional 10 % of the purchase price of the vehicle, which is {$2600.00}.
Therefore, I am requesting a total of {$50000.00} to be paid to me as statutory damages for this violation. This amount represents both the financial harm caused by the unlawful repossession and the additional damages for the breach of my peace.
Please respond in writing within 15 days from the date of this letter, confirming your agreement to pay the full amount requested. If I do not receive a satisfactory response within this timeframe, I will be forced to pursue further legal action, including filing a complaint with the relevant authorities and seeking judicial relief through the courts.
I trust you will treat this matter with the seriousness it deserves and resolve it promptly. Please direct all correspondence regarding this issue to the contact information provided above.
Thank you for your prompt attention to this matter. I look forward to your timely resolution and response.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10573740
|
2024-10-26
|
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 |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-26
|
| 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
|
|
|
11072079
|
2024-12-08
|
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 |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| 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
|
|
|
11604471
|
2025-01-21
|
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 |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11745929
|
2025-01-25
|
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 |
Other personal consumer report
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| 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
|
|
|
11715569
|
2025-01-23
|
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 status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
| 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
|
|
|
11744116
|
2025-01-22
|
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 |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11385621
|
2025-01-05
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| 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 |
2025-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A defective vehicle was repossessed and they only wanted a payment in full. I received a summons on XX/XX/year> that I am being sued for the balance after they re-sold it at auction.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11314723
|
2024-12-30
|
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 |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
| 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
|
|
|
11233746
|
2024-12-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Auto debt
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I spoke with a rep and ask for validation of debt. Which I have yet to receive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10720316
|
2024-11-07
|
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 |
2024-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| 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
|
|
|
11199208
|
2024-12-18
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
6773264
|
2023-03-30
|
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 |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-30
|
| 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
|
|
|
6672324
|
2023-03-09
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2023-03-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-09
|
| 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
|
|
|
6640692
|
2023-03-02
|
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 |
2023-03-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have a XXXX used XXXX XXXX XXXX financed through credit acceptance. I got it in XXXX of XXXX.
In XXXX XXXX I had paid 2-3 months at once at they were placed under the interest rate instead of my principal. I started to have difficulties paying on it since I was having health issues, and employement issues due to health related problems. I was unable to work causing me to be behind on payments. They were helpful and understanding with that. I told them multiple times I am not paying it due to not having the previous issue fixed. They have called multiple times throughout the year of XXXX. I have told them several times when they called I wasnt going to pay them until I had what I had already paid to them fixed. Now with the new lawsuit stating that the interest rate that I have of 22 % and people are being pressured into loans like myself. I would like to know what to do about it and how it is going to be fixed. I am due to pay over three times what my vehicle is worth. I am unable to find a dealership or car lot that will even accept it for a trade due to it being overpriced. Currently the trade value being XXXX XXXX and my payoff amount is XXXX my loan amount is XXXX. Just would like to be able to let others know what to expect from this company. Also would like to go by getting out of this loan without hurting my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6550602
|
2023-02-10
|
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 |
2023-02-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my transunion credit report. XXXX XXXX I was never a student at this school or any related institution. Further there shows to be an account showing XXXX XXXX XXXXXXXXThis account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account. CREDIT ACCEPTANCE CORPXXXX Is inaccurately reporting past due balances on all credit reports as being 120 days late. Payment is current and has been reporting payments received and the amount but still showing as if the account is past due.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7302198
|
2023-07-25
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| 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 |
2023-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-25
|
| 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
|
|
|
7187551
|
2023-06-30
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2023-06-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hi it's me again. So when looking at all the documents you sent me when you settled my judgement. I have set down went over them and yalls math does not math. So u have XXXX percent interest rate on a XXXX dollar car. Ok cool so that would be XXXX. However my finance charges were XXXX which is actually closer to XXXX percent which would give you the finance charge of XXXX. That's very deceptive. If I had of made all my payments I would have paid XXXX not including the XXXX I put down. For a total of XXXX for a 2015 XXXX. So if you go by what the interest rate says of 22.99 % the total would have been XXXX plus the XXXX down it would have been XXXX. Which it XXXX dollars less than what yall charged. I should hope that you all eventually quit screwing people. It's not fair for you to hide hidden interest rates. I will provide the copy of what u sent. Also when I would make payments you all would credit the XXXX dollars then reverse the credit for XXXX and add on XXXX to the balance with every payment. This company is shady and should change the way you do things. You prey on people that don't have a choice at the time. Then come after them when you know your hiding fees. It's not right. No I'm not just statified with you canceling the judgement against me because, I was taken advantage of and it's clear in black and white in the paper work. Just a little math and research goes a long way. At the time of the loan I wasn't in a position to math the whole equation out. I was a single mom doing the best I could with XXXX babies to make ends meet and needed away to get back and forth to work to provide for them. Please I beg you to stop preying on people. Please all pages included in the packet.
Because I would have never even known you were literally screwing me had you not sent that response.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7267993
|
2023-07-18
|
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 |
2023-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
You have been furnishing inaccurate information to my consumer report and un multiple occasions you have certified that the information been reported is a accurate and failed to correct the inaccuracies. I have attached a copy of the information been reported such as payment history and account closure date.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6282094
|
2022-12-05
|
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 |
2022-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-05
|
| 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 This company illegally made me put a down payment on the vehicle when I got approved for the loan. I also contacted the agency and informed them that I was having issues paying the vehicle off and the illegally repossessed the vehicle. Ive never received a notice of repossession.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5978245
|
2022-09-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
CREDIT ACCEPTANCE CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2022-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-13
|
| 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
|
|
