American Credit Acceptance, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 782XX	Web
NOTICE OF SELF REPRESENTATION IN LEGAL PRECEDINGS & ARBITRATION : Plaintiff : XXXX XXXX XXXX Date : XX/XX/XXXX Defendant ( s ) : 1. XXXX XXXX, CEO 2. XXXX XXXX XXXX XXXX XXXX. 3. XXXX XXXX, CFO XXXX. XXXX ( Name not provided ) Supervisor of XXXX Department 5. American Credit Acceptance , LLC Statement of Plaintiff : I borrowed around {$44000.00} around 18 months ago. I traded in a car and got {$2500.00} trade in value and I also deposited {$3000.00} with my debit card. I should have had {$5000.00} in equity from the start. I have sent in {$18000.00} in monthly payments on top of the {$5500.00} I put down. All funds paid towards the vehicle add up to est. {$23000.00}. Which is more that the original amount borrowed. I got behind in payments in XX/XX/XXXX and had been making payments as much as I could and communicating with the loan company as much as I could. There were even times I only sent in {$250.00} because that is all I had. I begin catching the account back up in XXXX. On record I have made a payment since XXXX at least every 30 days or so. I paid {$2000.00} in XXXX to catch up. I paid {$1200.00} in XXXX and I also paid another {$1200.00} on XX/XX/XXXX. Yet they kept trying to repo the car even though I was making payments. I tried to get out of the loan in XXXX and tried to trade the vehicle in. I was told I couldnt trade it in because I owed {$43000.00} and the trade in on the car is valued at {$21000.00}. I would have to roll over more than {$20000.00} to trade in the car. I called and tried to get explanations on where my money had gone and how it was misappropriated. Nobody would help me or explain or fix my account. They just kept calling me every day at XXXX harassing me. Texting me every day harassing me and sending tow trucks to hunt for me. I was having conversations with the Settlements Department the week of XX/XX/XXXX th. I had made arrangements at XXXX to go get the car evaluated and sending that evaluation to the Settlements Department. On Monday XX/XX/XXXX, I called back to speak to Settlements I was told the only department I could speak with was XXXX. When I talked to XXXX I was informed that the reason I had legal action taken against me was because of 3 precise reasons : ( A ) I criminally threatened the tow truck drivers ( B ) I have not been communicating with them ( C ) I have NOT been making my payments. I asked XXXX when my last payment was and she quoted XX/XX/XXXX. I asked her when the last record of communication was. She stated Friday XX/XX/XXXX. I told her that her accusations for why this legal action was taken is unfounded and inaccurate. She disagreed and stated as a fact. That I DID in fact threaten the tow truck drivers. I argued the legal definition of the word Threat, and stated that I never threatened I simply quoted my rights and asked where my {$23000.00} was that was stolen. I told XXXX that ( A ) I never threatened anyone ( B ) I literally have been communicating every week on record ( C ) I literally made a full payment less than 30 days ago. Despite me begging, pleading, asking to make a payment, asking to dispute your process I was simply told to pay the {$4700.00} or surrender the car. I then stated if I did not get justice and correction I would sue XXXX personally for her actions and false accusations and requested here email, employee ID and last name. All of which was denied. END STATEMENT Self-Representation Notification : I will hereby be representing my case as my own attorney. I have spoken to XXXX XXXX XXXX ( Appellant Vs. American Credit Acceptance , LLC. I have also spoken to the XXXX XXXX XXXX who is suggesting arbitration. Both of which are willing to take my case. Pending negotiations I will consider whether to hire them or not. Notice of Intent : I intend on working this out fairly with your legal team. I intend on filing 5 separate Civil Lawsuits in XXXX XXXX XXXX XXXX XXXX against 5 team members of American Credit Acceptance , LLC. As well as the Capital Fund itself XXXX XXXX XXXX XXXX XXXX. I will file each lawsuit for {$10000.00} totaling {$50000.00} in damages. Once filed, I will not lower my demand or settle for less. Claims/Damages : Falsely Reporting XX/XX/XXXX payment to credit agencies You wrongly reported a late payment on my credit. I had to get XXXX ( manager ) to send me a letter of credit report altering and send to all 3 credit agencies. Resulted in damaged credit and lost time. Falsely Calculating and Inaccurate Billing Records- {$43000.00} was borrowed 18 months ago. {$23000.00} was paid within 12 months of initiating the loan. You are now claiming I still owe {$43000.00}. Libel/Slander Claim that Plaintiff made criminal threats of harm against tow truck drivers resulting in legal action to be taken against plaintiff Abuse of Process Placing plaintiff in Replevins due to false claims of criminal threats even though a full payment of {$1200.00} was paid XX/XX/XXXX. Abuse of Process Falsifying records and abusing the repossession system Conversion Theft of clients funds Misappropriation of funds Misusing and stealing monthly payments and not investing funds into agreed upon usages. Negligence Not providing reasonable defense for client when false accusations were made and intentially causing harm by avoiding due process Civil Conspiracy Between American Credit and tow truck companies UDAAP Laws & Deceptive Trade Practices Violations Inserting hidden, and secret interest charges in the contract and civil conspiracy between dealerships and American Credit Acceptance. Demands : XXXX XXXX seeks monetary relief, including legal fees. As well as credit history corrected and all late payments corrected to paid on time. Complete statements of accounts Copies of all signed contracts Full records of internal notes, and voice recorded calls and Plaintiffs account records {$50000.00} in damages Cease and desist of all collection and repossession efforts Last name and address of XXXX XXXX of XXXX for legal proceedings Recorded Call XX/XX/XXXX @ XXXX With XXXX XXXX : In 3 recorded calls with XXXX she states precise reasons why my account was in XXXX even though I have made a full payment on XX/XX/XXXX. XXXX was filed on XX/XX/XXXX. You filed XXXX even thought the account had a full payment 30 days prior. XXXX claimed she personally listened to a call where I threated a tow truck driver with my XXXX. She stated that was the main reason the legal actions had been taken on my account. Definition of Threat from Webster : A statement of an intention to inflict pain, injury or damage. XXXX ( Supervisor/XXXX ) Statements : XXXX XXXX your car is in XXXX because you threatened our tow truck drivers with your XXXX. XXXX : XXXX, I never threatened anyone. I simply stated my rights as a United States citizen and the XXXX XXXX. I stated that ( if you illegally try and take my property my XXXX is in my car and I will defend myself. XXXX : Yes, XXXX XXXX that is a threat. XXXX : XXXX the legal definition of the word threat is a statement of intention to inflict pain, injury or damage. All I did was state that you have not calculated my payments correctly and if you try and illegally take my property, I will defend myself as I have under right of constitution. XXXX : XXXX XXXX, I am not going to speak with you about this anymore. You can either surrender the car or pay us the {$4700.00}. XXXX : XXXX, I will make a full payment right now here is my debit card. But I did not threaten anyone and the actions being taken against me are actions based upon false allegations. I demand a process of dispute and complaint. Let me talk to your supervisor. XXXX : I am the supervisor. There is not anyone else you can talk too. I am the one who listened to the calls and investigated the threat. XXXX : XXXX, do you know what libel or slander is? XXXX : XXXX XXXX is there anything else I can help you with sir? XXXX : XXXX, XXXX is when you state in writing something damaging against someone else. A threat is a criminal offense. If I threatened you, why did you not file a police report? XXXX : XXXX XXXX, I am not going to discuss this with you any longer. Do you want to bring the account current or surrender the vehicle? XXXX : XXXX, I am telling you that the false claim of a criminal threat is libel. Especially with it caused legal action to be taken against me. You know that I can have the internal records of your company regarding my account subpoena? XXXX : XXXX XXXX am not going to discuss this with you any longer. END CALL - Response Requested : Respond to XXXX XXXX XXXX as legal representative. Please respond via phone or email. Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ENDING NOTES : I have collected 15 recorded calls so far of your customer service team providing inaccurate billing inquires, making false accusations, refuse to provide employee IDs, refusing to allow me to speak to higher authorities and denying me customer service. Providing a direct phone number to XXXX department that goes straight to a voicemail. The calls collected add up to over XXXX hours of recorded content. Along with bad customer service, poor or no follow up, lying team members, reporting false information on my credit report, falsifying reports eventually leaving me with bad credit, lost time and almost no place to go regarding protecting my consumer rights. You have over XXXX bad complaints to the XXXX in the past 3 years. All of which are for the same occurrences. SIGNED : XXXX XXXX XXXX : ______________________________ DATE : XX/XX/XXXX END
03/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85353	Web
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act [ 15 U. S. Code 1692g ] regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : Pursuant to [ 15 U. S. Code 44 ] PROVIDE DOCUMENTARY EVIDENCE. 1 ) An authentic signed contract between you and XXXX XXXX showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX XXXX XXXX is claiming owed. In pursuant to [ 16 CFR 433.1f ] 2 ) An authentic invoice for goods and/or services you provided. [ XXXX ] AUDIT 3 ) Statement, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and a judges inspection should there be a trial to contest these matters. b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt. c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party. d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action. f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim. g. You will prove that you are the original creditor, if in fact you claim to be, and that the United States , Federal Reserve nor any other entity besides your organization originated these funds. 3 ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 4 ) Under the Truth in Lending Act pursuant to [ 15 USC 1601-1667j ] ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 5 ) Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the XXXX my loan is bundled with. 6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action. 7 ) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. ARTICLE 3 3-301. 9 ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 10 ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. Please provide me the following : 1. A statement admitting whether you are the holder in due course or whether you are a servicer. 2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 4. The CUSIP number under which my loan was securitized to. 5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect XXXX XXXX XXXX to do the same. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that XXXX XXXX XXXX has in fact purchased evidence of debt in this matter. I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment. I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all XXXX credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these XXXX major credit reporting agencies immediately. Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Included please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of XXXX in the amount and at the interest rate of your invalidated alleged and now illegally collected debt.
11/29/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WI 534XX	Web
On XX/XX/XXXX I had just been released from my employer XXXX XXXX XXXX in XXXXXXXX XXXX that i was cleared to return to work that following day. That day i got a call from my friend asking since i was cleared was I able to go to the mall to help her finishing off the shopping for her bridal shower I stated that I would pick her up in XXXXXXXX XXXX I picked my friend up from her home where she guided me to which ways to go due to the fact I only work in XXXX I currently live in XXXXXXXX XXXX so i have no clue how to get to certain places and this was the reasoning of picking her up. We arrived at the XXXX mall in which i believe was called XXXX XXXX XXXX at about XXXX we stayed there for a very brief time maybe 30-45min then headed over to XXXX XXXX she stated to me to park in the XXXX parking structure I believe in which i did when we arrived we went into the mall got the things she needed and headed out closer to around XXXX. when we arrived to the parking structure my friend stated to me " XXXX were is your car? '' I just figured we had went to the wrong structure and she stated no this is the structure I park here all the time. So after looking for my car for a great deal of time we call the security number and a lady states to my friend " did you guys lock the doors? '' she stated " yes '', the security lady asked me what type of vehicle do i own i stated " XXXX XXXX XXXX XXXX '' she placed me on hold and stated she was dispatching someone to take the report because she didn't notice any suspicious activity. A gentle-man pulls up in a security truck goes over the same thing i stated to the lady security officer on the phone he dispatches back in and then as I'm standing by the truck I can hear the same security lady stating to the gentle-man that my car was towed for repossession. And I'm wondering 1st how does she know its for repossession and # XXXX why was she not honest with my friend and I when we 1st called the line. I explained to the gentel-man that this is none-since do the fact I don't live in XXXX I live in XXXX XXXX how am i supposed to get all the way back home. He stated to me that XXXX XXXX has some sort of deal of some sort with repossession towing companies because they sit in there parking lots all day long and drive around and around looking for and towing autos. At the time there was a towing truck circling the lot the security officer said go ask the tow truck driver did he tow your vehicle because according to the footage im looking at he towed your car around XXXX. I asked the driver he stated no and he drove off. The security officer stated to call my loan carrier I called American Credit Acceptance around XXXX spoke to a live agent who was trying to setup a plan for me to get caught back up on my loan I stated to her that I was told by mall security that my car was repossessed by them and she paused and stated to me that according to her records to what she was looking at my vehicle was not repossessed by them and I stated again that the security at the mall called another number who asked me my name make and model number of my car and told me that XXXX had your vehicle repossessed and I asked " I don't understand why they are saying you guys XXXX repossessed my vehicle and I never received a notice in the mail stating my car was up for repossession? ' That was when she re-interated that according to her records i was not in repossession status but to call back and ask to speak to the recovery department to see if they can see something that she couldn't. XX/XX/XXXX I called XXXX who told me the same thing the rep told me the day prior my auto was not repossessed and not in default mode even though I was pass due I asked to speak to someone in the recovery department and this is where I was told my auto was repossessed. I spoke to a rep that spoke with a accent and he stated to me that I needed to pay {$6000.00} to recover my vehicle I stated to the rep that I have been off of work for awhile with no pay due to XXXX and was just allowed on the XXXX of XXXX to return to duty XX/XX/XXXX and that I had to call in because my vehicle was repossessed, there is no way I can come up with over {$6000.00} right now. I asked the rep is there anyway i could pay a lesser reasonable amount and I will pay as much as I can every 2 weeks he put me on hold for about 5 mins came back and stated I could pay {$2200.00} ( I cant remember the exact amount but its around that amount ) I stated to him I could get that I would call the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and withdraw a hardship loan could I call him back with final approval and how to send it he stated yes i asked for his name he stated I didn't need it I could do it with any rep over the phone I stated ok that I would be calling back within 5 mins or so he stated ok. I got the approval from my XXXX XXXX and called back spoke to a different rep who told me " No, you have to pay the full past due amount plus towing and storing fees '' I stated to the new rep the last gentle-men stated to me that I could pay the amount that we discussed the new rep stated " and who was this rep? '' I stated " he said I didn't need his name I took that as he notated it in the account '' new rep stated there was no notes and he couldn't locate whom I was speaking to and then that was when I got really irritated because I felt like he was doing this to me personally and asked to speak to his boss and that was when he places me on hold and instead of transferring me to his supervisor he located the rep that made the agreement with me and when returning to the line he stated that I must have misunderstood the previous rep and I stated no I heard him very clear then he stated " what he stated to you was that you would pay the ( around amount ) {$2200.00} until the total pass due and towing fees were paid then once that was paid off then the car would be release to you. '' I stated " that was not anything close to what he stated to me why would I apply for a hardship loan from my pension if the car wasn't going to be released to me? '' and the new rep just sat in silence then I asked is there anyway you can help me out he stated to me " don't you think we have helped you enough? '' and I just started crying and he stated " Is there anything else I can do for you today? I asked him when is the last day I have to pay this buy? He stated you have until XX/XX/XXXX to pay the past due and towing fees and to remeMber after paying that I will have another payment that needs to be made on the XXXX for the orIginal car payment amount. '' he stated if you don't have anymore questions XXXX XXXX have a nice day. '' And as I was talking to someone they asked me had received notice my car was going to be repossessed I stated no and I started to look through my mail to see if I had looked over some and there was nothing sent to me through mail. I get informed delivery through the XXXX XXXX and noticed that back in XXXX on my informed delivery account XXXX had created a certified repossession letter that I was supposed to receive XX/XX/XXXX tracking number ending in XXXX but according to my informed delivery recordes XXXX created the label but never sent out the certified letter that disclosed my car was in repossession default ( in which I have attached copies of ). Also on the letter I got after the repossession it stated that by XX/XX/XXXX by paying us all amounts past due I could retrieve my auto. How would I have retrieved my auto by XX/XX/XXXX if the letter XXXX sent out dated XX/XX/XXXX and 1st delivered certified mail on XX/XX/XXXX was the first attempt? I was given a date on a letter to have all moneys to get my auto back by a date that had already passed not to mention was repossessed without any initial warning or letter stating that I need pay pay this or that amount to not be in repossession default? XXXX sent several repossession notices through my email one I rarely look into at this time in life right now. Not one time did I ever receive a letter in the mail stating my was in repossession default.
01/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 37209	Web
This occurred on XX/XX/XXXX I am writing you because you broke laws against me as a consumer. Your company is legally supposed to uphold the Truth and Lending federal law. Per the law 15 U.S.C 1662 Advertising of down payments and installments : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified down payment is required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount. 15 U.C. code 1605- Determination of finance charge : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof. ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. ( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable. ( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. ( 2 ) Fees for preparation of loan-related documents. ( 3 ) Escrows for future payments of taxes and insurance. ( 4 ) Fees for notarizing deeds and other documents. ( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports. ( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended. This law states that it was not required for me to pay a down payment to obtain the car. You are not supposed to tell me what I am supposed to pay for a down payment to obtain the car. I can offer or tell you what I can put as a down payment. That is not what happened and that being that the law was not followed, my consumer rights were violated, and you broke am Federal law. I am demanding the full refund of my down payment in the amount of {$6900.00}, and the remaining balance of the loan in the account of {$12000.00}, plus the {$5800.00} that I have paid in car notes for the XXXX XXXX XXXX XXXX.
09/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NV 89032	Web
I entered a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. A completed application with my personal information, my drivers license, and my social security number which is my credit card pursuant to 15 USC 1602 ( l ) was required to acquire a XXXX XXXX XXXX XXXX. That same day XXXX XXXX XXXX XXXX XXXX, XXXX knowingly used my completed application, furnished a fictitious contract, and sold it to AMERICAN CREDIT ACCEPTANCE without my written or oral consent. Since then, AMERICAN CREDIT ACCEPTANCE has used the fictitious contract to fraudulently collect an alleged from me. I sent AMERICAN CREDIT ACCEPTANCE a Cease-and-Desist Order ( Green receipt # XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX after my property was unlawfully repossessed in XXXX of XXXX and I became aware of their deceptive debt collection practices. AMERICAN CREDIT ACCEPTANCE did not respond to the letters I sent, but they responded to a complaint I submitted. In their response they admitted that XXXX assigned the contract to them and denied all my claims, stated that they will cease calls only, stated that I still owe the alleged debt and attached the contract and all cash payments they have taken from me. After reviewing the attachments, I sent a second Cease-and-Desist Order with a debt validation letter pursuant to 15 USC 1692g ( a ) attached on XX/XX/XXXX ( green receipt # XXXX XXXX XXXX XXXX XXXX ). In my Cease-and-Desist Order I demanded AMERICAN CREDIT ACCEPTANCE respond to the attached debt validation letter with any and all exhibits, cease any and all payment collections for this alleged debt, and cease any and all attempts of repossession. AMERICAN CREDIT ACCEPTANCE confirmed they received both letters by placing stamps on them dated XX/XX/XXXX, and they responded via mail on XX/XX/XXXX, by sending a response letter stating they believe they have enclosed all relevant records which establish the existence and validity of the debt and its assignment to AMERICAN CREDIT ACCEPTANCE. They also sent back the documents I originally sent stamped and dated XX/XX/XXXX, the completed credit application I submitted with XXXX that they were not present for, the fictitious contract that XXXX illegally sold to them, and a 2-page list of cash payments they took from me since XX/XX/XXXX. Also, since then, they have continued to use false and deceptive debt collection practices to harass, oppress, and abuse me and my family for payment towards the alleged debt. They have ignored my demands and continue to contact me as well as shared my information to multiple third-party companies without my consent. On XX/XX/XXXX, a third party sent on behalf of AMERICAN CREDIT ACCEPTANCE tried to unlawfully repossess my property for a second time while my family was inside of the vehicle. The third party embarrassed me and my family outside of a XXXX parking lot by hooking our vehicle up to their tow truck, causing a disturbance, making threats towards me and my family, and calling the police on us because we refused to exit the vehicle. This violates the Cease-and-Desist Order I sent on XX/XX/XXXX demanding that AMERICAN CREDIT ACCEPTANCE cease any and all attempts of collection/communication and any and all attempts of repossession. On XX/XX/XXXX, another third party sent on behalf of AMERICAN CREDIT ACCEPTANCE showed up at my location at an inconvenient time, did not state who they were, had all my personal information and threatened to repossess my property. My spouse let the agent know that he will not allow for repossession because it is unlawful and that the agent is in violation of federal law for communicating after numerous Cease and Desist Orders were sent to AMERICAN CREDIT ACCEPTANCE. After several attempts of unlawful repossession and realizing I was refusing to give up my property and that they have violated federal law, on XX/XX/XXXX, AMERICAN CREDIT ACCEPTANCE suddenly removed their tradeline from my consumer reports. Deletion is admission. I have demanded for AMERICAN CREDIT ACCEPTANCE to send validation pursuant to 15 USC 1692g ( a ), to provide proof that I in fact am obligated to pay them the alleged debt. They have only provided the contract which has false, misleading, and deceptive information listed throughout and has no benefit to me as a consumer. Pursuant to Federal law this makes the contract null and void. After AMERICAN CREDIT ACCEPTANCE failed to send validation, any documentary evidence pursuant to 15 USC 49, and continued to harass and abuse me and my family I sent them a third Cease and Desist Order with an Affidavit of Truth, exhibits to support all facts that I stated in my Affidavit of Truth, and an invoice Bill of Particulars via certified mail with green receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. In my Cease and Desist I demanded that AMERICAN CREDIT ACCEPTANCE grant me my title lien free and pay the attached invoice Bill of Particulars for violating me under the FDCPA. I received a response from AMERICAN CREDIT ACCEPTANCE via mail on XX/XX/XXXX, with a letter dated XX/XX/XXXX, stating they removed their tradeline from 4 consumer reporting agencies and my Cease-and-Desist Order stamped with the date they received it. Unfortunately, they are still in violation of the FDCPA because they were served a Cease and Desist and confirmed they received it. The FDCPA states in 15 USC 1692c ( c ) that when a debt collector receives a Cease-and-Desist Order they may only contact or communicate with the consumer to state that their further efforts of collection are being terminated and they are invoking the specified remedy the consumer demanded. On XX/XX/XXXX, I sent AMERICAN CREDIT ACCEPTANCE a Notice of Fault and Opportunity to Cure, a fourth Cease and Desist Order, a second Affidavit of Truth, exhibits proving all facts I stated in my Affidavit of Truth including new ones showing how they have violated me again, another invoice Bill of Particulars with new violations and late fees, and copies of all the documents I previously sent on XX/XX/XXXX. In my Cease-and-Desist Order I demanded that AMERICAN CREDIT ACCEPTANCE grant me my title lien free and pay the attached invoice Bill of Particulars. I did not enter a credit transaction with AMERICAN CREDIT ACCEPTANCE and for the past 4 years they have continued to coerce me into paying on a debt that I do not owe them, harass, oppress, and abuse me and my family, caused us emotional damage, defamed my character, harmed my credit worthiness and reputation, and knowingly committed unauthorize use of my credit card, fraud, and aggravated identity theft by taking payments from me, mislead me to think I had contractual obligation to pay them, and furnishing information on my consumer reports without any of my consent. This matter needs to be resolved immediately and I am demanding that AMERICAN CREDIT ACCEPTANCE be held liable for violating me and ignoring the damage I have stated and proved that they have caused me and my family. I have given them plenty of chances to resolve this matter and instead they continue to ignore my demands.
02/12/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	NY 125XX	Web
American credit exception gave me a loan to purchase a used vehicle however they or the car dealership did not give me any information as far as opting out of my information go to a 3rd party I put them on notice letting them know that they can not put any late payments or any of my credit information on my credit report because that is misleading information due to the fact that 15 usc 1681a Definitions ; rules of construction ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; consumer ( c ) The term consumer means an individual.person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So according to the law ACC is violating my rights as a consumer consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title .consumer reporting agency ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. This is hurting my credit this is causing me to Denied of a loan and it's also causing my family and I to suffer we are not able to purchase another vehicle or even Rent an apartment this is the privately of my rights as a consumer and I am being violated I also asked them about their opt out Policy if they could send me the paperwork so I can start the procedure they let me know that they do not participate in this and I let them know as a business especially dealing with money before under consumer laws they let me know that this was not concerning them and they are going to put this information on my credit report and send it to the credit bureau and I told them that was against them all as well they are not allowed to do that and I put them on notice with that as well And they still Decided to violate my rights and break the law ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of titlenonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. So now you're sending me a letter in the mail telling me that you're going to report my information which I still did not agree upon Them to do that and I clearly let them know several times and they're still violate my rights as a consumer So they're willingly and knowingly holding information from me and giving me false and inaccurate information Even though I pointed out all the laws to them that what they're doing Is violating my rights as a consumer now I am reporting this to you guys because they do not want to stop this is Not right because the law clearly shows them and I have clearly put them on notice I have the certified letters to show that they receive it they just choose to ignore it and by doing such thing this become identity theft because I did not give them permission to do any of this So I'm asking you to please step in and let them know if I know what they're doing is wrong and they can not do that I did Rescinding my contract with them as well Forgiven deceptive Faults and inaccurate information They also wanted {$3000.00} as a down payment in order to give me the loan when I asked them about they said they did not say that that came from the dealership so between them and the dealership they're both Violating my rights as a consumer I asked them to please put that in writing that they did not ask for a {$3000.00} down payment To purchase that XXXX XXXX XXXX that I have They told me yes over the phone but I never received it in writing as And I did put them on notice and they seems to don't care and don't respond to some of my letters so I'm asking you guys to step in please I did report them to the FTC I am waiting for a reply from them but however they're taking long so I need you guys to step in as well I asked them can they please show me paperwork of where I gave them permission and show me the law of where they have permission to Give my information to a 3rd party they still did not send any letter showing me the law that they can do this or showing me where I gave them the right to do this
08/23/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 915XX	Web	Servicemember
Complaint regarding American Credit Acceptance Account # XXXX XX/XX/XXXX- I called American Credit Acceptance to make a payment arrangement. I had fallen behind due to a Student Loan Garnishment that was taking approximately {$1200.00} a month since XX/XX/XXXX. The agreed to arrangement was that I would pay {$50.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX, and then I would be eligible for a double deferment, bringing me completely current on the loan. Since I had not had a deferment for two and a half years, I was eligible for two deferments. I was advised to call back after the payment posted on XX/XX/XXXX to set up the second payment on XX/XX/XXXX. I was also advised that the vehicle would NOT be repossessed. XX/XX/XXXX- My vehicle was repossessed. I called after my work hours at XXXX, however, the repossession department was closed as they are on Eastern Time. I requested to speak to a supervisor to make a complaint. The supervisor stated that there was nothing they could do. I would have to call the repossession department the next day. XX/XX/XXXX- I had to take time off and leave my work site during the day to call as it was a lengthy phone call ( Over a period of 2 calls, I was on the phone with them for over 2 hours ) and the repossession office was on Eastern Time. The supervisor did listen to the last recorded conversation as I had requested she do so. After finding that the vehicle was wrongfully repossessed, she released the vehicle back to me, stated that I would NOT be responsible for any repossession fees, and put back in place the terms of our original agreement. I contacted the Repossession Yard immediately upon American Credit Acceptance releasing the vehicle. However, because it was a Friday afternoon, they would not release the vehicle until Monday. I went without my vehicle for a total of 5 days. XX/XX/XXXX- My appointment was at XXXX to pick up the vehicle, however, I had to wait all day. My vehicle was not physically released to me until XXXX. The location was a 45 minute drive away one way. I lost that entire work day. Furthermore, I noticed that the gas tank I had filled up the night my vehicle was repossessed was now on empty. When I made a complaint, and they noticed the discrepancy in the mileage, I was told that when the vehicle is repossessed, they may drive it instead of towing it. So I also lost a full tank of gas. XX/XX/XXXX- My payment of {$50.00} was processed and cleared. XX/XX/XXXX- My payment of {$1000.00} was processed and cleared. XX/XX/XXXX- It is my understanding that the terms of our agreement is fulfilled since I fulfilled my part and I was advised that the double deferment was to be automatic if I did so. I had already been read the terms and agreed to it on a recorded line. I believed I was current on my account and that the next payment was due on XX/XX/XXXX. XX/XX/XXXX- I received a statement in the mail, applying my payments of {$1000.00} to the repossession fees charged ( {$570.00} ) to my account and interest only ( {$420.00} ). None of that money was applied to the original loan. Furthermore, no deferment had been applied to my account. XX/XX/XXXX- I contacted XXXX XXXX XXXX to correct this matter immediately as I was in fear of my vehicle being wrongfully repossessed again. I was advised that I was 81 days past due. I was also told by a supervisor that I needed to have {$1.00} charged to my debit card to hold the account until XX/XX/XXXX, as she forwarded this account to the management department to be corrected. She stated that the {$1.00} hold would ensure that it was not repossessed again. She also said that she would contact me on XX/XX/XXXX. XX/XX/XXXX- I had not heard anything yet so I contacted American Credit Acceptance again. I was advised I was now 116 days past due. When I asked how is that possible when I just spoke to them less than a week ago, I was told that a {$1000.00} payment was reversed on XX/XX/XXXX. They confirmed that the {$1000.00} payment from XX/XX/XXXX was cleared as I had proof from my bank statement. Yet, they could not explain where this {$1000.00} payment was reversed from or why. I was told by the supervisor that he would escalate this account to higher department to be resolved. I was also advised that the vehicle would NOT be repossessed. I then began to question all the transactions on the account from the past as I had not closely watched them these past 4 years, trusting naively that they were being honest. Who is to say that they havent made these horrific mistakes in the past costing me thousands. I then requested a complete history of every transaction on this account be emailed to me. I also advised them that I had done my best to go to XXXX XXXX XXXX directly to resolve these matters before seeking assistance from an outside agency, but at this point I needed to file a complaint with the Consumer Financial Protection Bureau. It seems to only get worse as I allow American Credit Acceptance opportunities to correct their mistakes. The costs for me are becoming increasing as time goes on : My vehicle was wrongfully repossessed I lost one full day and two hours of work I did not have a vehicle for 5 days I lost a full tank of gas {$570.00} in Repossession fees charged to my account Interest continues to accrue on the balance Credit is adversely affected And now, I am being cheated {$1000.00} that they can not account for or explain why I am fearful that they may mistakenly repossess my vehicle again Furthermore, the loan is a bad loan to begin with As I begun to do more digging, I found that the Original Loan amount was {$24000.00}. The amount of 39 Payments I have paid thus far is {$29000.00}. The Current Balance of the loan is {$22000.00}. That means that after all these years, I have only paid {$2000.00} towards the original loan and {$27000.00} in interest! That is ridiculous! Please Help! I continue to make payments to stay afloat and keep the vehicle from being repossessed, however, because I am behind, the balance never decreases. It is now XX/XX/XXXX. I scheduled a payment for a check to be withdrawn on XX/XX/XXXX for one payment. Today is XX/XX/XXXX and still nothing has cleared my account. I havent received one phone call or letter either. My fear is that due to another one of their mistakes, the check was never processed and they might show up at my door again to repossess the vehicle again. I really need a bigger solution to get out of this bad loan that I have already paid so much into.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 707XX	Web
My XXXX XXXX XXXX XXXX financed by ACA ( American Credit Acceptance ), was totaled. It was towed to XXXX in XXXX XXXX, LA. Upon talking with XXXX ' Claim Adjuster, XXXX XXXX XXXX she informed me that she had initiated the paperwork on the claim and would be sending her appraiser to the tow yard to get the appraisal on my car. When her person went to the tow yard on XXXX and again on XXXX, they were advised the vehicle was not there. XXXX XXXX XXXX XXXX via phone and email to check information on tow yard was correct. I contacted tow yard via phone on XXXX, and was informed, vehicle was towed, possibly by lienholder and was given name and number of company who picked up vehicle. It was XXXX XXXX. I called them and was told they had an order from ACA to go pick up vehicle from XXXX XXXX. Meanwhile, XXXX informed me they no longer had my vehicle. It was towed from their yard by XXXX. I was given number to XXXX and called them. I spoke to XXXX. She informed me that XXXX said it was a repossession and they are acquiring title and are going to sell vehicle at auction. I asked how do I stop it because it is Not a repo but a total loss. She said I couldn't and only person that could was ACA. I immediately hung up with her, called XXXX XXXX XXXX XXXX her of ACA 's actions. She, also had discovered what ACA had done. She talk to XXXX XXXX, Team Lead in Loss Mitigation Dept to get the situation corrected. XXXX XXXX, did, in fact, admit it was a mistake and it was not a repossession and vehicle was a total loss. XXXX XXXX XXXX who and why this was coded as a repossession and XXXX XXXX said XXXX did not know. She then immediately sent a release to XXXX giving the possession of vehicle to XXXX, XXXX, so vehicle would not be sent to Auction. On XXXX, I called ACA ( did not get name of representative but the calls are recorded ). I was told my car loan account will be reported to all credit bureaus as paid in full, total loss and closed at the end of the month ( XX/XX/2023 ). On XXXX, I contacted ACA and spoke to XXXX. I informed her that my online account shows the payment from XXXX XXXX was applied on XXXX and a separate payment was applied on XXXX and asked about account status. She said account bal was {$0.00} and I will get the paperwork in the mail for the closed account. Also, will be reported to credit bureaus. On XXXX, I checked my credit report and ACA still hadn't reported anything about my account. I talked to XXXX. He put me on hold and went to ask a supervisor. He came back and said he had to send a request upstairs to the department that does the reporting. He said it would take XXXX business days before I hear back. On XXXX, XXXX reported my account as closed, paid, charged-off and Act of God. I immediately called ACA because that is not what I was told. I spoke to XXXX. She said they were experiencing system issues so she was limited on what she could help me with. I asked for her supervisor. Her supervisor, XXXX XXXX, verified system was partly down but would help me as much as possible. She also stated the Total Loss Department deals with the credit reporting issues and they did not work on XXXX, so Id have to speak to that dep on Monday. She said, because I did not pay the XX/XX/2023 payment, my account was reported as a charge-off instead of paid in full. I expressed that couldn't be correct or legal because no one that I spoke to since my vehicle was totaled said my account would be reported as a charge-off if XXXX payment was not paid. Also, why would it be a charge-off if they were paid in full? It shouldn't matter if the money came from me, insurance, XXXX, the government or someone random, its paid in full. She said nothing. She advised me to call her back in an hour or later in hopes system would be back up and she look further at my account. I expressed to her that reporting is unfair to me and I would not be able to obtain any financing with them saying my account is a charge-off. I agreed to call back. I also explained to her I ws recovering frm a major XXXX and this situation was putting more strain on me while trying to recover because now I'm worried I won't be able to get finanacing fir another vehicle. I waited several hours. I checked my credit and the previous reporting by ACA was removed! My credit score plummeted XXXX points! I was distraught. I called ACA back and got XXXX. I explained that the floor supervisor, XXXX XXXX asked me to call back and she would speak with me about my account. XXXX put me on hold to go get supervisor, XXXX XXXX. She came back to the line and said she was unavailable. I asked could I hold. She said, honestly, she is refusing to come to the phone. I told her what happened with my credit report and had questions about my report changes. She said the only thing she could do was advise me to call back on Monday and talk to someone in the Total Loss Department. I remembered I had XXXX XXXX email address soI emailed her to seek assistance. I knew ftom what the sup told me earlier that the persons in Total Loss supposedly did not work on XXXX, but she would get email on Monday. I never received any reply from her. On Monday, XXXX, I called XXXX 's Total Loss Dept. I spoke to XXXX. I explained what had happened on that Saturday and ask for a supervisor. She put me on hold. She came back to the line and said when the payment check was applied, the account was considered a charge-off but couldn't explain why that was. She never gave me a supervisor or anybody else to talk to. She said I had to send a dispute in writing and gave me an online address. I said to her again, I wanted a supervisor. It didn't make any sense that my credit report went from 30 days to paid and closed. Nothing about a repossession. She still did not acknowledge. I thanked her for her time and ended call. On XXXX, XXXX then reported to XXXX my car loan account was closed and charged off as bad debt. On XXXX, XXXX reported car loan account as a charge-off to XXXX. On XXXX, ACA, then reported I had 100 % paymen history. They never changed the charge-off status to paid in full, total loss. On XXXX, I attempted to get vehicle. All the lenders denied me based on the charge-off staus on my credit reports. The finance Mgr @ XXXX XXXX XXXX explained, even though I had all my pap showing it was not a charge-off, no one wanted to extend me credit. One company finally agreed but the interest rate was really, really high and I woyld be able to afford the note.
09/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 754XX	Web
During XX/XX/XXXX I bought a vehicle with XXXX in Illinois, in which I was proposed a contract agreed by both parties. The contract indicated the total amount of interest and principal that I would be paying for a period of 72 months, not 75 months. The contract stipulated that the first payment was due on XX/XX/XXXX and that I have an additional 10 days of grace period. Later on, change to the day 15 because I lost my job and have difficult making the payments. When the contract was signed, they told me that I have to pay {$450.00} for each month for the next six years, until XX/XX/XXXX. They calculated and presented to me in their computer the amortization table of the Principal and Interest amounts to be paid for each month, and if I paid late, I will get only a late fee charge of 5 % or {$22.00} for each {$450.00} not paid. Also, that I will be paying at the end of the six years a total of {$15000.00} at an annual rate of 24.65 %, not more than that because they calculated in advance all the interest to be paid for those 72 months. The total amount financed, or Principal was {$16000.00} and the finance charge or Interest was {$15000.00}. So, if you sum {$16000.00} with {$15000.00}, I will be paying only, not more, at the end of the six years or 72 months, a total of {$32000.00}. For each payment made, they must apply a percentage to Interest and Principal. Not all of it to Interest and nothing to Principal. The loan was financed by American Credit Acceptance and they must comply with the contract signed, but they did not. They violated the contract from the beginning for their own benefit. They should not be licensed by the government to do business because they always take advantage of their customers in different ways. They are using a method of awarding the monthly interest charge that is not stipulated in the contract that I signed with XXXX. They applied the first five payments to interest only and nothing to principal, and eventually they did the same with three other additional payments. There is no harmony in the allocation of the portion that goes to the interest and of what goes to the principal. It is a general knowledge, that for each monthly payment, they must distribute with a harmony between the principal and interest month by month. The process of allocation should have only a single break-even point, not multiples, between the interest and the principal. After passing that equilibrium point, the allocated portion to the principal must be greater than the interest and in this way the contract can be fulfilled at the end of the period of 72 months. But, through their system, they intentionally provoke a remnant of the debt at the end of the 72-month period that was in the original contract. When they applied all of it to interest and nothing to principal. In my case, I did all the 72 payments, not 75, and allegedly I still owe them. Sometimes making double payments and more than one monthly in order to accomplish the goal faster. I presented evidence that you will see that the supposedly amount owe was steal at the beginning when they wrongly applied it all of it to the interest and nothing to principal. Also, with their system they forced me to make several payments in a single month in order to lower the interest, if I dont do it they will charge me higher interest and at the end I will still owe them a lot. Even though I paid a year in advance they still charging interest. It is like paying a single month and they still charging interest for that month that its have been paid. There is no closing in the interest process for each month, when they are supposed to apply the amount of principal and interest already stated at the contract for each month and thats it. Also, with their system they never honor me the ten days of grace period. Because they also charge interest during the grace period. Its like paying double or triple interest for a month that XXXX XXXX already computed. They should apply each month the stipulated amount of interest already taken when I purchased the car, but they never give me a billing statement because they never did it. Even though, in their website they said that they can provide it. But as evidence, you will see that always is unavailable. Although I paid sometimes late because I was unemployed, at the end of the process there will always be only 72 payments, not 75. You can not invent additional payments because those allegedly owe months have already been paid. If they count the total payments, they will see it. To achieve this, several double payments were made, along more than one in a single month. You can imagine the amount of money they can steal from their clients if they have thousands of customers with the same problem as mine and out of ignorance, they paid it. They refuse to help me and reconcile my account since supposedly the entire adjudication process does it automatically once the person pays. I proved that their system is not correct when they allocated the payments. Please help me and protect me so they can cancel the allegedly amount owe with the {$990.00} that I proved that I paid more without a reason, plus the payment fee of {$460.00} ( {$6.00} each payment ) that never deduct the principal. The car has been paid in full today XX/XX/XXXX and I am afraid these people still, however saying that I still owe them. After that, they should give me the XXXX XXXX with a letter that the loan has been paid in full. Help me resolve this situation as soon as possible as if you do not act urgently, they may add more interest to the allegedly amount owe. The file that I attached with this complaint need to be uncompressed. If you have any questions you can contact me at XXXX XXXX XXXX XXXX or email me XXXX. A consumer who needs help, XXXX XXXX XXXX
08/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMERICAN CREDIT ACCEPT bal. {$47000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29605	Web
I state under penalty of perjury that the foregoing is true and correct. I am the consumer writing this thisand there is no third party involved. I am asking for the CFPB help in investigating this account. I determined that I was targeted in a predatory lending scheme. The entities mentioned in this complaint to my knowledge should be required to comply with all applicablelaws and regulations.In accordance with 15 USC 1692d, a debt collectorin collecting a debt, may not harass, oppress, or abuse any person.The actions of the entities mentioned in this complaint has caused instability in my marriage, also causing me to have more XXXX, XXXX XXXX, and XXXX More importantly, these actions mentioned in this complaint violated my right privacy in more m ways than one. I sent. American Credit Acceptance, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and any affiliated, nonaffilliated parties that have nonprivate personal information without my consent are coercing me into paying a fraudulent debt. I initiated a transaction for a XXXX XXXX XXXX XXXX on or around XX/XX/XXXX. XXXX seized my property a second time about two weeks ago. Causing me to lose me and my children 's medication, causing me to have more XXXX, and causing me to lose wages. I demand, American Credit Acceptance cease and desist any and all collection activities. I wish to deal with this matter in writing by way of the US Postal Mail. I withdraw any consent I have given with respect to the subject matter knowlingly or unknowingly. Any contract I have with XXXX is null and void due to the face that XXXX, and the other entities mentioned took advantage of my incompetancewhen I initiated a transaction with XXXX. They are all coercing me into paying a fraudulentfinance charge. After speaking with an attorney, I understand that XXXX targeted me in a predatory lending scheme. XXXX and XXXX charged me XXXX XXXX interest on an unenforcable contract. XXXX was not even present at any aspect of the transaction. XXXX sent me a contract that is not even identical to my original contract. The contract XXXX sent does not include the Security Interest clause or even the POA. The account furnished to my consumer report does not reflect my original contract. And lastly, XXXX has not filed a MRS with the department to charge in excess of XXXX XXXX in the state of South Carolina. I attached proof of this named Auto Dealer XXXX. This all leads me to believe I was racially targeted and discriminated against. I've been evicted twice, lost so many jobs I cant even count due to the overwhelming dollar amount and monthly payment and I am sure that XXXX and XXXX knowingly implied this burden only to repossess the automobile. If that is not enough, I also feel that the way these entities ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and American Credit Acceptance ) worked together to seize my property is a major invasion of my privacy. Ever since thefirst time my propertywas seized, I have weird numbers contacting me and XXXX truck following me around. This has gone on long enough only to find out I was racially discriminated against the whole time and the transaction was done in bad faith. How did XXXX XXXX XXXX of NC even know where or how to locate me or my property. If these companies have been tracking me theentire two years I have maintained my property without my knowledge I will pursue litigation on this matter. STOP harrassing me. Every time I look at my phone ACA is calling me. Sometimes as much as 5x a day. Then you know where I am at any time. The harrassment includes my consumer report. In accordance with 15 USC 1692c ( c ) I refuse to pay this debt. Cease and desist all communication with me except by postal mail., communication defined is the conveying of information regarding a debt to any person thorughANY medium.. This is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802b. In my closing I would also say I feel that XXXX, XXXX, XXXX and any other National reporting agency with my no public private information are also coercing me into payment due to the fact they did not recognize that this was a predatory scheme and proceeded to furnish this to my consumer reports making it impossible for me to obtain credit for my family. My current XXXX report states that I have only paid -3 of this transaction. How is that even possible? They are required to furnish accurate information as the banking system depends on accurate reporting. How could they not spot this error in this contract before me? The Acts put in place by Congress were violated by these entities. Here is a few, FCRA, FDCPA, Consumer Protection Act, The Privacy Act, Truth In Lending Act, Equal Credit Oppurtunity Act, CARES ACT, RICO Act, and Chapter 2 of Title 37 of South Carolina. And there is more to name. I am writing to claim all rights, titles, and interest.provide me with an audit trail of this account, including all accounting details and contracts related to me with all affiliated and nonaffiliated entities that you have shared my nonpublic private personal information with. Please include names and addresses of each. I state under penalty of perjury that the foregoing is true and correct.
06/11/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 337XX	Web
I have made 69 payments including Gap insurance and a maintenanceI have made 69 payments including Gap insurance and a maintenance plan starting XX/XX/XXXX of the agreed upon $ {$460.00} thru XXXX XX/XX/XXXX for a used XXXX XXXX XXXX XXXX XXXX 26.81 % WHICH IS OVER THE FLORIDA USARY CAP. On XXXX I received a summary of charges on account XXXX for {$11000.00} due on XX/XX/XXXX good thru XX/XX/XXXX. This would bring to a total of {$42000.00} for a vehicle that was {$16000.00} 3 times the agreed upon amount I feel this is extremely predatory and this company ACA has a proven history of these types of predatory practices by many class actions filed against them over the years. Massachusetts has one for {$27.00} million in settlements to customers and there is one presently filed in NY by the Attorney Genral file on XX/XX/XXXX I am a single parent of XXXX children with a full time job with the XXXX In XXXX XXXX and can not work or care for my i children 's needs with out my vehicle which I feel have more than paid for 3 times over I had my car repossessed during covid ( XXXXXXXX XXXX XXXX ) once because a payment made was delayed in transfer ( there words ) That ended up costing {$3000.00} to get back because of deceptive dates and times of pick up and holding facility which ACA was not even aware of until I called to ask if it had been repossessed. I have tried several times over the last month with an attempt today XX/XX/XXXX with XXXX a supervisor in management of the collection department at XXXX but she said I had to talk to the settlement Previous which would be available on Monday XX/XX/XXXX for some type of equitable settlement I would like this loan notated as paid in full and the free and clear title give to me with the vehicle and no further action by ACA or myselfXXXX XXXX of the agreed upon $ {$460.00} thru XXXX XX/XX/XXXX for a used XXXX XXXX XXXX XXXX XXXX 26.81 % WHICH IS OVER THE FLORIDA USARY CAP. On XXXX I received a summary of charges on account XXXX for {$11000.00} due on XX/XX/XXXX good thru XX/XX/XXXX. This would bring to a total of {$42000.00} for a vehicle that was {$16000.00} 3 times the agreed upon amount I feel this is extremely predatory and this company ACA has a proven history of these types of predatory practices by many class actions filed against them over the years. Massachusetts has one for {$27.00} million in settlements to customers and there is one presently filed in NY by the Attorney Genral file on XX/XX/XXXX I am a single parent of XXXX children with a full time I have made 69 payments including Gap insurance and a maintenance plan starting XX/XX/XXXX of the agreed upon $ {$460.00} thru XXXX XX/XX/XXXX for a used XXXX XXXX XXXX XXXX XXXX 26.81 % WHICH IS OVER THE FLORIDA USARY CAP. On XXXX I received a summary of charges on account XXXX for {$11000.00} due on XX/XX/XXXX good thru XX/XX/XXXX. This would bring to a total of {$42000.00} for a vehicle that was {$16000.00} 3 times the agreed upon amount I feel this is extremely predatory and this company ACA has a proven history of these types of predatory practices by many class actions filed against them over the years. Massachusetts has one for {$27.00} million in settlements to customers and there is one presently filed in NY by the Attorney Genral file on XX/XX/XXXX I am a single parent of XXXX children with a full time job with the XXXX In XXXX XXXX and can not work or care for my i children 's needs with out my vehicle which I feel have more than paid for 3 times over I had my car repossessed during covid ( XXXX of XXXX ) once because a payment made was delayed in transfer ( there words ) That ended up costing {$3000.00} to get back because of deceptive dates and times of pick up and holding facility which ACA was not even aware of until I called to ask if it had been repossessed. I have tried several times over the last month with an attempt today XX/XX/XXXX with XXXX a supervisor in management of the collection department at XXXX but she said I had to talk to the settlement Previous which would be available on Monday XX/XX/XXXX for some type of equitable settlement I would like this loan notated as paid in full and the free and clear title give to me with the vehicle and no further action by ACA or myself with the XXXX In XXXX FL and can not work or care for my i children 's needs with out my vehicle which I feel have more than paid for 3 times over I had my car repossessed during covid ( XXXX of XXXX ) once because a payment made was delayed in transfer ( there words ) That ended up costing {$3000.00} to get back because of deceptive dates and times of pick up and holding facility which ACA was not even aware of until I called to ask if it had been repossessed. I have tried several times over the last month with an attempt today XX/XX/XXXX with XXXX a supervisor in management of the collection department at XXXX but she said I had to talk to the settlement Previous which would be available on Monday XX/XX/XXXX for some type of equitable settlement I would like this loan notated as paid in full and the free and clear title give to me with the vehicle and no further action by ACA or myself
02/10/2021	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	AR XXXXX	Web
I purchased a XXXX XXXX XXXX XXXX ) and financed it through American Credit Acceptance in XXXX of XXXX. I made my first payment on this vehicle in XXXX of XXXX, and have made payments every month since then until now on the XXXX of each month ( including XX/XX/XXXX ). All payments have been on time. Last XXXX I noticed that the loan was not showing on ANY of my credit reports ( my wife and I pay to monitor all 3 monthly through XXXX and XXXX ). Upon further investigation, it was showing on my wife 's at the time ( she is the co buyer on the car ) but not mine, so we reached out to American Credit Acceptance and began this process by notifying them of the issue in XXXX ( Yes it's been over 120 days ACTIVELY attempting to fix this ). I was originally told that a ticket was created and I would expect to see it reflected on my credit report next time they updated the account with the bureaus. This never happened. Having to call back, explain, be transfered etc was frustrating but finally it was escalated to their credit dispute department back in XXXX and I was promised the issue would be resolved in 2 weeks. I never received ANY UPDATE OR ANY RESOLUTION. Every single time we have to call it is such an ordeal and there have been times where it has been mentioned how often we are calling in a such condescending way .... I am trying to buy a house and am fast approaching a year of on time payments on a vehicle the loan company hasnt reported to a single bureau as OPEN OR CURRENT OR ANYTHING! Now we have been dealing the EXECUTIVE RESOLUTION TEAM since late XXXX. I have dealt with 3 separate mangers in that department that have literally stone walled me or promised a follow up and every single time they have failed tremendously to follow through. No one ever follows up as promised. Not knowing what else to do, I attempted to contact the credit resolution department beginning around XXXX. Everytime I have to fight to get transfered and explain EVERYTHING OVER AGAIN and now they are telling me there is no way for them to even call their credit dispute department, they have no wy to transfer me and that EVEN they can only contact them via email so the responses regarding my account are very delayed, yet ironically this is irrelevent because they have never given me a single reliable update. It ought to be illegal that they will not provide a number to the department nor have anyone contact me from this team. It is the same story each time. Now they are telling me after XXXX XXXX, they have to hire a THIRD PARTY COMPANY TO ATTEMPT ( YES THEY SAID ATTEMPT!!! ) TO CREATE THE TRADELINE AND HISTORY!!! THAT WAS OVER 5 WEEKS AGO! NO FOLLOW UP!!! Here is an example of the latest conversation with their support team via their web based chat.. XXXX How can we help you today? XXXX I need to probably speak to the executive response team in regards to where you guys are at in getting this tradeline created with the three credit bureaus - You XXXX XXXX You are now connected to XXXX XXXX XXXX XXXX XXXX i have made all these payments and you guys have not reported this account to any of the three bureaus yet - You - XXXX XXXX Good Afternoon, My name is XXXX XXXX I speaking with XXXX XXXX? XXXX XXXX - XXXX XXXX so i havent heard from anyone on the XXXX in over 2 weeks. yes. i have no other recourse but to seek legal representation in this matter if we cant make any real headway soon. ive been at this for well over three months this is ridiculous You - XXXX XXXX Can you verify the last 4 of your SS, please. XXXX XXXX - XXXX XXXX XXXX You - XXXX XXXX I understand your concern. Allow me to review your account. XXXX XXXX - XXXX XXXX ok. You - XXXX XXXX I do see there was manual request submitted however there is not current update at this time. XXXX XXXX - XXXX XXXX yeah this problem happens everytime since XXXX of last year. do you understand how ridiculous this is? can you get me a better answer than that? I am going to forward this conversation to the consumer protection bureau this is ridiculous. have someone from your XXXX contact me or my wife. thanks. You They have never followed up as promised and getting tossed around and having to fight tooth and nail WEEKLY to get to someone who can only give false hope and empty promises ought to be fined. This company is engaging in unbecoming practices with their accounts and I am almost to the point of turning this over COMPLETELY to a legal representative. WE ARE TRYING TO PURCHASE A HOUSE AND THIS HAD OUGHT TO BE ILLEGAL THE WAY THEY CONDUCT BUSINESS. WE HAVE BEEN AT THIS WEEKLY SOMETIMES DAILY SINCE XXXX OF LAST YEAR WITH NO RESULT!!! PLEASE! ALL I ASK IS TO HAVE THE TRADELINE CREATED AND ACCURATELY REPORTED TO ALL THREE BUREAUS ASAP!! NO MORE DELAYS NO MORE EXCUSES THIS IS CAUSING MY FAMILY FINANCIAL STRESS BECAUSE IT IS PREVENTING US FROM PURCHASING OUR FIRST HOME. I NEED THIS TRADELINE HISTORY ON MY CREDIT REPORT!!!!! 5 MONTHS ALMOST ON THIS ISSUE IS RIDICULOUS. I PAY EVERY MONTH, REPORT THE ACCOUNT AND PAYMENTS TO THE BUREAUS!!!
06/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 605XX	Web
Hello, We have had an ongoing issue with American Credit Acceptance. This past month, on XXXXXXXX XXXX XXXX with no notifications or anything, they had taken our car into repossession. We have been making our payments diligently and we believed we were caught up. Being that they do not update our credit information until I send in a dispute through XXXX XXXX, we were not aware of any sort of delinquencies. We had issues with them starting in XX/XX/2015, I had just started a new job and we had the vehicle for about a year. I ended up needing emergency surgery for XXXX, which according to the doctor, I almost died from. My husband was under stress and duress with the situation and knew we had a payment coming up and contacted them to see if we could make a payment later in the week. In this phone call they told him as long as he paid {$300.00} they could defer the payment. Our payments are {$460.00}. He made the payment to them. I was in the hospital from Thursday to Saturday, came home Saturday afternoon. Sunday was ok then come Monday the car was gone. They had repossessed it. We had gone through a lot to get the car back, spending {$2300.00} in repossession fees, over {$300.00} in cab fare to get me to and from work since I just started the job and could not take time off. At that time we worked hard to get the car back. A year later, even though we are making payments, the car was taken again and again we paid all the repossession fees, towing fees, cab fare, and rental car fees ( to drive out of state to pick up the car from the auction house in Indiana ). Then it happened again just a few months after that even though Mr. XXXX XXXX gave us a 2 month extension, they didn't give us enough time to recoup our losses. We have been fine for the past 3 years. We've made our payments with no issues. This past year, we haven't received any letters, notifications or even billing letters. Their website is hard to navigate when trying to find out how much is paid off. They do not have any rhyme or reason to how payments are made. This current repossession that happened on XXXXXXXX XXXX XXXX was unwarranted. I feel that this company is predatory and knew that we had made arrangements to spend a large amount to get the vehicle back. At this time, it is at a loss and they have already auctioned the vehicle. During this time, I had contacted the XXXX XXXX XXXX. When Mr. XXXX would reply to them with his comments, he would give " round about '' answers, and would not give the correct information. He stated we were 100 days past due but we have been making payments all year long, paying more than the allotted amount. After the car was taken, we THEN received one phone call each ( my husband and myself ) but no answer was left for our voicemails. ACA claims they sent a letter in XX/XX/XXXX but we never received anything but they waited until XX/XX/XXXX to take the vehicle? There was never a certified letter sent. If there was, we would have contacted them to find out what was going on since we ARE making payments. Back to the XXXX, when I would decline Mr. XXXX ' replies, they would purposely update our credit report. I do have proof of this. Then a second time I had email Mr. XXXX trying to figure out what is going on, they had updated our credit yet again and I have proof of this as well, with an email from the XXXX and about an hour later I received a notice from XXXX XXXX stating there was a change. Mr. XXXX knew we were in the process of trying to find a new apartment ( our property manager, XXXX love her, had been so patient with us through this whole ordeal but now has no choice but to terminate our lease because of ACA ). Mr. XXXX is trying to strongarm us into dropping these complaints by playing on our situation as us being parents. Our XXXX year old daughter is in XXXX XXXX classes at school and my husband is under a doctor 's care. He knows our history and he is purposely preying on this. I do truly hope you can help us. We are not the only ones they have done this to. There are many reviews on this company by other customers who have had the same thing happen. We are not deadbeat customers. We have paid our dues. We have been making our payments for 5 years now and the total that has been paid off is {$4000.00}?? The claim that in order to get the car back ( which is already auctioned now ) we would have to pay {$17000.00} when we have already paid well over {$32000.00}. Please, I beg of you to help us with this. This is not right. This is not ethical. They are seriously wanting to make an XXXX year old girl with XXXX XXXX and her family homeless. P.S. I do have many email messages, screenshots of our credit report along with the email notices and documents that I can send you if needed.
06/30/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 21042	Web
I bought that car before filling for bankcrupcy. At {$11000.00} in XX/XX/XXXX. I had to deposit {$1000.00} to XXXX to get a car for me and my little one. As my ex disappear and does n't gave me enough to survived I had to go to XXXX XXXX to get food stamps. As my credit score was bad because my ex took all the money and went to XXXX I could not pay my debt. That is why I filed for chapter XXXX bankcrupcy. I called and talked several time to American Credit Acceptance To lower the APR as I have no job and waiting for my trial next month against my ex for contempt to pay the arrears of alimony and child support. The company told me they ca n't do anything to help me and will repossess my car if I do n't pay!! They always send me letters about repossession. How can you help me? Please to stop them and lower the APR and get lower amount each month? Please. The worse is that I paid more than {$7000.00} just in INTEREST.!!! I could had paid my car by now. I really need help please. You can see below also all the payments I made while struggling. Thank you!!! XXXX Here all the info about me and the company. Borrower : XXXX XXXX Home Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Vehicle Make : XXXX Vehicle Model : XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) XXXX Contract Detail : Payment Information : XXXX per month APR : 24 % Payment Amount : {$360.00} Bal as of XX/XX/XXXX : {$10000.00} Late Charges : {$140.00} Other Charges : $ XXXX Days Delinquent:9 Total due amount : {$900.00} as of XX/XX/XXXX Account Information as of close of business : XX/XX/XXXX View Account Information by selecting any of the options below : Welcome XXXX XXXX Account Summary Account Payment History If your account was not originally funded and/or serviced by ACA LLC your payment history may only reflect those made to ACA LLC . Show Transactions for : Calendar To Calendar Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXXLate Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Payment Received. Thank you! ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )
12/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
02/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77304	Web
My name is XXXX XXXX. I have a joint account, along with my wife, with American Credit Acceptance ( ACA ) for a XXXX XXXX XXXX. On or about the 1st week of XX/XX/XXXX, I called ACA to make a payment toward my account. At that time the payment I was making was going toward the previous month 's bill which was a few weeks behind, but still within the 30 day period. The new month 's bill was going to be due soon and I was offered by the representative to take advantage of a deferred payment option that I was eligible for. I accepted the offer and provided all the info needed ( email address ) to get the necessary documents sent to me. I asked how long will these documents take to arrive and I was told 48 to 72 hours. I waited and the documents never arrived. I called back multiple times and every time I called I was told that my request was not accepted because I had not returned the documents in time. This happened several times and every time I informed ACA that I had not yet received the documents. At this point it is early XXXX and I received a notification from my credit report that my payment was now late and that it was negatively impacting my credit score. I called ACA once again and I was told that since they report every 30 days, to the credit bureaus, it would be impossible for me to receive that notification because they would not have reported that yet. However they were wrong and I now had a late remark. I then requested these documents once again and once again they did not arrive. I called and complained several more times about this and finally demanded that someone stay on the phone with me while the documents were emailed ( a request previously denied ). At that time I received the documents while on the phone. I immediately filled out the paperwork and faxed it to them 10 TIMES intentionally, and also mailed it to them directly! In XXXX I made ACA aware of the faxes and mail and called in periodically to make sure they received it. At this point it was mid XXXX and I received another notification of late payment on my credit report. I called ACA again and asked to speak to management and after many demands for accountability, I was told that my document was received 2 weeks earlier on XX/XX/XXXX! The manager I was speaking to could not explain why the account had not been updated and was, " looking into it ''. I was then told that I would receive a call or email when the account was updated and I never got that call or email. I called them back in XXXX to check up on the account and still it was not updated. Once again I was irate. I demanded the account be updated immediately and it was, but my credit was still showing 30/60 days late. Thru all this time I was in the process of purchasing a home. There was earnest money put down on a home. Due to this ongoing issue with ACA I lost the opportunity to purchase the home and have been trying to retrieve my earnest money back ( $ 2k ). The account internally with ACA shows NO LATE PAYMENTS. However they have not reported this to the credit bureaus. This " mistake '' has lowered my credit score and my wife 's credit score over 400 points collectively, over the course of 5 months. In one instance my score dropped a whopping 84 points due to this very negative report. This is not only frustrating but it is hindering my family from receiving better interest rates on loans in the future and more importantly pushing my home purchase ability further back. I also know that companies like this use these kinds of tactics to ensure return customers who may need bad credit loans in the future. I need ACA to make the necessary changes on my credit file IMMEDIATELY! I was completely misled when the original offer was made to me. I did not request the deferred payment myself. Furthermore in an effort to deescalate the situation I was lied to multiple times about how their reporting to the bureaus is done. I was lied to multiple times on how the documents would be sent to me and I called them out on their misleading comments. This is completely unacceptable and now in XX/XX/XXXX, it continues to affect my credit and my wife 's credit with ACA not doing anything to correct the issue.
04/19/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	UT 84032	Web
American Credit Acceptance LLC. XXXX XXXX XXXX XXXX Fl XXXX XXXX, SC XXXX, And ACA XXXX XXXX XXXX XXXX XXXX, Business Manager XXXX XXXX and XXXX rates this crooked high interest Company A+ is very vag..Phone XXXX This company we got loan from them in XX/XX/XXXX as of XXXX XXXX in XXXX Utah supposed had us finance in XX/XX/XXXX ... We thought that we least got 8 % rate..Because XXXX Dealership had us sign Blank contract saying they get us finance from 3 % -30 %, well ACA hit us with 28 % on 5 year loan ... We made complaints because we send off 2-checks one for payment other for Principal only..We been paying {$480.00} Check # XXXX, plus {$69.00} check # XXXX = $ XXXX.every month from our XXXX XXXX XXXX..We been sending out payment on XXXX of every month because due on XXXX.Our Balance {$16000.00} but XXXX we sent two checks on XXXX USPS like always, due XXXX is Sunday.Well Monday XXXX they said we are late, and as of today XXXX late Daily % 12.39 now balance owe {$16000.00} 4days late.They must have checks and Holding on them..Because I made FTC, XXXX, Complaint.Now they want me to pay {$770.00} for being late ... My account # XXXX Office code : XXXX my user name : XXXX for XXXX XXXX XXXX had XXXX miles worth only {$5500.00} XXXX told us this month they XXXX never gave us XXXX say it was never wreck.Now they told us its been wreck twice.We tried trading it in for Newer auto the finance guy said that's all the car is worth.Thousands of Massachusetts Drivers to Receive {$7.00} XXXX in Relief on High-Interest Auto Loans from Two Lenders AGs Office Has Now Recovered More Than {$12.00} Million for Consumers Relating to High-Interest Auto Loans XXXX Two national auto lenders have agreed to provide a total of {$7.00} XXXX in relief to thousands of Massachusetts consumers over allegations they charged excessive interest rates on their subprime auto loans, Attorney General XXXX XXXX announced today. The AGs Office has now recovered more than {$12.00} million for consumers in the last several months in settlements relating to high-interest auto loans. There are protections in place to ensure that consumers who take out auto loans are treated fairly and not forced to pay illegal and excessive interest rates, AG XXXX said. Our office will continue to make sure that these protections under state law are applied properly so that consumers are not exploited by predatory practices. Under the terms of the assurances of discontinuance, filed Tuesday in XXXX Superior Court, American Credit Acceptance , LLC ( ACA ) and XXXX XXXX XXXX XXXX ( XXXX ) have agreed to eliminate interest on certain loans they purchased that allegedly included excessive interest rates due to the inclusion of so-called GAP coverage. The lenders have also agreed to forgive outstanding interest on the loans and reimburse consumers for the interest they have already paid on the debts. The Attorney Generals Office has identified approximately {$1.00} million in relief for ACA loans, and approximately {$5.00} million in relief relating to XXXX loans. Under the settlements, additional audit work will determine if other loans are also subject to refunds. More than two thousand Massachusetts consumers will benefit from the settlements. On average, the settlement will provide each consumer with approximately {$3000.00} in relief. Under the settlements, the lenders will also pay {$220000.00} to pay for implementation of the agreements. Consumers in these cases were overcharged because of GAP fees. These fees caused the effective interest rates on the loans to exceed the 21 percent state interest cap. GAP is a product that is intended to limit the shortfall between the payment on an auto insurance claim and the amount the borrower owes on a car loan in the event the financed vehicle is totaled. GAP is sold by car dealers as an add-on product and is often financed in the auto loan. This case is part of an ongoing subprime loan review initiative by the Attorney Generals Office. Previously, as part of this initiative, the Attorney General announced a {$5.00} XXXX settlement with XXXX XXXX XXXX XXXX also relating to GAP fees and excessive interest.
06/29/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23059	Web
I submitted the following complaint to the CFPB on XX/XX/XXXX. Complaint number : XXXX. The company American Credit Acceptance refused to provide a response to the complaint and based on the information contained in the complaint, I was unable to have the State where the vehicle was left, to removal the vehicle. I was advised that the vehicle was no longer present. American Credit Acceptance has refused at every point to contact me in writing as requested from the beginning of my issues with them. They refuse to respond to the CFPB as well. The company has removed the vehicle, made false and defamatory accusations about me, and recently sent me an unsigned ( no wet ink signature ) notice from XXXX XXXX ( Chief Operation Officer ), demanding payment for the balance of the loan. I signed into my online account with them and while I have confirmation that they received my records update request to place my email on my account, the account does not reflect that change. American Credit Acceptance refuses to respond to the CFPBs contact and I am requesting an escalation and review of my account by every applicable regulatory body / federal agency. I have no option at this point other than to file a personal bankruptcy due to my inability to meet the demand of a balance in full payment nor to pay for a broken vehicle sold under a predatory deceitful loan. Due to their willful negligence and refusal to provide responses, I have no choice but to file a CFPB complaint for every interaction I have to have with them because they do not respond to emails, nor secure messages on their customer portal system, nor correspondence to their corporate address. Please advise ACA of my notice to file bankruptcy. I already mailed a cease and desist for any contact from American Credit Acceptance, their agents, or third parties. They are prohibited from contacting me and continuing their verbal aggressive harassment towards people I know or people they have traced with a known association to me, from ACA and its asset recovery company in house and contract ; via phone, postal mail, nor electronic correspondence. They demonstrated their refusal to comply with the law and I refuse to allow them to bully me as they have other customers. Both the bankruptcy notice and cease and desist notice should be forward to their internal and external collection agency partners should they attempt to short sale the debt in order to attempt to deflect or absolve themselves of the responsibility of the suit to follow. Given their record of non-communication in writing related to my account, I have to make a formal complaint and filing each time I need to contact them for my own protection. They are an abusive company who actively breaks regulations in order to cause their customers harm. Additionally the class action suit I intend to file on behalf of any other affected Virginia residents by the predatory lending scheme by American Credit Acceptance will include requests for all records ; to include credit reporting records, phone records from ACA and call recordings, interoffice records to include electronic records, correspondences and instant message system software related to my account as well as the accounts of any other plaintiffs in the suit. My case against them is not an isolated incident, and every intentional abuse or violation of the state and federal laws in place to protect customers, which ACA willfully ignores is going to be heard for all of the affected customers. The company has refused resolution. - This is a request for escalation of an investigation into the company as well as their open and pending lawsuits related to predatory lending, financial crimes against their customers, as well as investigation into my current complaint and the previous complaint. Complaint number : XXXX. I was never told that 100 % of my second car payment to ACA on XX/XX/XXXX ( {$820.00} ) would be applied to interest and nothing to principal. If a person was properly explained the crimes and predatory aspects of how ACA structured the loan, they would not sign on bad loans for cars with them, defective nor otherwise.
01/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33130	Web
American Credit Acceptance is in many violations of the federal law in 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION! 1. American Credit Acceptance is in violation of 15 USC 1692e ( 4 ) & ( 10 ) because they are trying to repossess my car and that is illegal. 15 USC 1692e states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt : ( 4 ) The false representation that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person. ( 10 ) states The use of any false representation or deceptive means to collect or attempt to collect any debt 2. American Credit Acceptance is in violation of 15 USC 1 because Every contract, combination in the form of trust Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation. This contract became a trust, I am the Beneficiary to the trust, American Credit Acceptance are the trustees in this fiduciary obligation is supposed to operate in my best interest and a repossession is not in my best interest so this is fraud and a crime. 3. American Credit Acceptance is in violation of 15 USC 1692a ( 4 ) Because The term creditor does not include any person to the extent that he receives an assignment of a debt in default solely for the purpose of facilitating collection of such debt for another. American credit Acceptance was assigned my contract from XXXX XXXX XXXX. XXXX XXXX XXXX can no longer be the creditor so American Credit Acceptance Is now operating as a debt collector but Im the creditor by giving an security interest and using my credit card ( SOCIAL SECURITY CARD and IDENTIFICATION CARD ) Pursuant to 15 USC 1602 ( l ) credit card means ANY CARD existing for the purpose of obtaining money, property or services oncredit & ( g ) Creditor in the case of an open-end credit plan involving a credit card are the card issuers and my 2 cards were issued to obtain an extension of my own credit using my open-end credit plan. 4. American Credit Acceptance is in violation of 15 USC 1692d ( 1 ) & ( 2 ) because ( 1 ) The use or threat of use of violence means to harm the physical person, reputation, or property of any person & ( 2 ) The use of obscene or profane language. American Credit Acceptance threatened to repossess my vehicle, which is theft, if I do not pay and they stated my car has been assigned to a local repossession agency to steal my car. I have also sent American credit a cease and desist in XXXX & to send me the contract that says the words that I am OBLIGATED TO PAY American Credit Acceptance and to provide Authorized Signature of American Credit Acceptance and they failed to do that within 30 days. 5. American Credit Acceptance is in violation of 15 USC 1692j because it is It is unlawful to furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditor ( Im not the creditor because it has been ASSIGNED from XXXX XXXX XXXX ) is participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I never gave American Credit Acceptance written consent to furnish a credit report on me. 6. American Credit Acceptance is in violation of 15 USC 1692b ( 2 ) notstatethat suchconsumerowes anydebt & ( 5 ) not use any language or symbol in the contents of anycommunication or that thecommunicationrelates to the collection of adebt. 7. 15 U.S. Code 1692k - Civil liability ( a ) any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.
08/26/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MN 55024	Web
Issue 1 : FAILURE TO ACCURATELY REPORT PAYMENTS TO CRAs and CONTINUING COLLECTION ACTIVITIES AFTER LUMP SUM REPAYMENTS On XX/XX/XXXX, I entered into a contract for {$17000.00} for the purchase of a XXXX XXXX XXXX. The contract amount included precomputed interest. On XX/XX/XXXX, the vehicle was stolen. I notified ACA, XXXX ( my insurance ), and the GAP insurance provider of the theft. On or about XX/XX/XXXX, ACA received a rebate check for my extended warranty in the amount of {$2200.00} On or about XX/XX/XXXX, the XXXX PD recovered the vehicle On the date that XXXX notified me of the recovery, I notified XXXX and ACA and GAP On or about XX/XX/XXXX, XXXX insurance issued a check to ACA for {$11000.00} Prior to the issuance of the check, I spoke with XXXX XXXX concerning my desire to retain the vehicle and pay the remaining balance once calculated. We agreed that I would pay the balance and on the day after this conversation, but no new contract was entered into. Ms. XXXX agreed that they could not " continue '' to charge interest on the loan and advised me to ( 1 ) let the GAP insurance provider know that I was going to retain the vehicle to get a refund from GAP or payment toward the balance from GAP. Prior to speaking with MsXXXX XXXX, ACA agents continued to tell me that I had to pay the entire balance ( which included the precomputed interest ), and I repreatedly expressed to ACA agents that I would make payments toward the balance but that that they could not collect on a XXXX loan when over {$14000.00} was paid within the first 12 months of the loan. ISSUE 2 : Furnishing erroneous information to Credit Reporting Agencies Nevertheless, I continued to make payments on the vehicle, which ACA failed to report. Rather, they furnished information to the CRAs for approximately 9 months that my loan was " affected by a disaster. '' ACA failed to report the XX/XX/XXXX payment of {$2200.00} to the CRAs and continued to report the balance due as over {$17000.00} ACA failed to report the {$11000.00} payment from XXXX that they received on or about XX/XX/XXXX, and continued to report the debt as $ 17,000+ to the CRAs On XX/XX/XXXX, I emailed Ms. XXXX and requested that she cause the correct amount due to be reported to the CRAs. No action was taken on my request. On or about XX/XX/XXXX, I called ACA 's Loss Mitigation Department and spoke to an agent named XXXX. XXXX escalated the credit reporting matter and approximately three weeks later, my credit report was corrected to reflect a balance of about {$1300.00}. On XX/XX/XXXX, I paid ACA {$1300.00}, which paid the balance in full. On XX/XX/XXXX, ACA sent a lien release to the State of Oklahoma and to me. Ultimately, I paid five years ' worth of unearned interest and was dunned by ACA despite the fact that the loan -- without the improperly charged interest -- was paid in full. ISSUE 3 : Furnishing erroneous " late payments '' the three months before I paid the car off ACA reported that in XXXX, XXXX, and XXXX ( the month that I paid the car off ) that each of these months ' payments was late. This caused a drastic drop in my credit score. I called the ACA office again the first week of XXXX and was told the matter would be escalated. Two days later, an ACA agent called me and told me that " the payments WERE late '' and that they would not change the information that ACA reported to the credit bureau. ACA is Required Under South Carolina Law SECTION 37-3-210 to refund the unearned interest. ACA is headquartered in South Carolina. Under South Carolina law, a lender shall refund all prepayments upon payment in full of a loan with a precomputed interest rate. A CA has not done so. DEMANDS 1. Provide the CFPB a verified, full accounting of my account 2. Refund to me all monies ACA collected for interest on the loan that it did not earn 3. Delete the three derogatory entries from all CRAs this information was furnished to.
05/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	KS 662XX	Web
I reached out to American Credit Acceptance on XX/XX/XXXX to discuss settlement options regarding the vehicle loan I have with my ex-husband for a XXXX XXXX XXXX. I was advised that if I went to a dealership to have the vehicle appraised and sent the appraisal to American Credit Acceptance, that they would review the appraised amount and determine what they are willing to accept as a settlement amount. My ex husband took the vehicle back to XXXX which is where the car was originally purchased XXXX years ago. He received an appraisal for $ XXXX. I sent that appraisal to ACA and I was advised later the following week that the settlement was approved for $ XXXX from ACA. My ex-husband signed the paperwork and gave the vehicle to XXXX on XX/XX/XXXX. Fast forward to XX/XX/XXXX, when ACA sent myself a notice that the account was past due. When I call ACA, I was advised that no payment was received from XXXX. I call XXXX and I spoke with a representative in the Business Office who advised that XXXX paid ACA on XX/XX/XXXX. XXXX check was for {$16000.00} and the other was for the extended warranty cancellation of {$860.00}. So I proceed to call ACA back only to find out after speaking with the supervisor XXXX in Settlements that ACA wont accept the payment of the extended warranty as part of the settlement. On Monday I spoke with XXXX in the Settlement department of ACA and was advised that ACA would consider a new appraisal at the {$16000.00} if XXXX would present it. On Tuesday, XX/XX/XXXX, after speaking with XXXX @ XXXX Corporate Escalations, I went to the XXXX in XXXX KS, where the vehicle is located currently and has been located since XX/XX/XXXX. I spoke with the sales manager XXXX and after discussing the situation, he went to the Business Office and upon return, I was advised that they were already working on sending ACA the remaining {$860.00}. The next two days I tried to reach XXXX @ ACA Settlement team, to see if she had heard/if any funds had been received, with no success in reaching her. Today, XX/XX/XXXX, I tried reaching the Corporate Escalations team with XXXX and multiple calls to the store, with no success. I just sat on hold. So I emailed the email address used during the original process of having the appraisal sent to XXXX, in hopes to have someone from the store call me back. After sending a couple of emails today, I received a call from XXXX or XXXX, stating he called ACA and they advised the payoff was $ XXXX and that they wouldnt release any info to him since he isnt authorized. I then called ACA and spoke with the supervisor XXXX again. I advised of all the attempts to have XXXX rectify the situation and the frustration with trying to work with ACA and XXXX to resolve this issue. XXXX said she would notate my account with the approval to release information if XXXX calls them. In the interim, I emailed XXXX back to advise that the approval for them to speak with ACA was placed. I also tried to call the XXXX locate store in XXXX KS again. The representative that answered stated he was in another state and after hearing the story, he tried to reach someone locate. After holding, he advised he emailed the BUsiness Office manager, XXXX XXXX XXXX XXXX KS XXXX and advised to have her call me.I have since heard from an individual from XXXX from XXXX email I sent to XXXX email, who has stated ( unknown individual, no signature or # reach them ) that they reached to ACA to discuss the issue and were advised that there is no authorization to speak with XXXX on my account. I called ACA and spoke with XXXX in Settlements that stated she would have XXXX call me and also that XXXX did note the account that I release authorization for ACA to speak with anyone from XXXX. As of this request, no one with ACA or XXXX has reached out to me to resolve this, outside of someone from XXXX responding to my emails and stating that no one at ACA will talk with them.
10/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 323XX	Web
The Banking System is dependent upon the Consumers Signature, I am only stating a claim because commerce is supposed to be based upon integrity and honesty because without the consumer theres no commerce, I filed a claim because I feel my contract is unethical, such as providing individuals who lack understanding regarding contracts and how they work can lead to circumstances such as these and when you lack understanding you bind yourself to obligations that may not be best for you but because of the need and the integrity of the commerce world we do so with the understanding the banking system follows ethics and equity and the consumers best interest will be put forth, however thats not the case. The responding party to my claim feels as though their company has not done anything wrong, they feel even though I have made over 35 plus payments which in equitable business the obligation of the cost of the car is paid off. I am doing my due diligence and researched how the commerce system works on how negotiable instruments work etc. and I know there has been some unethical business practice done, I am aware there is no money, Paper Money is simply a put a promise to pay a debt. The banking system is created by the money bank debt which does nothing for the poorer communities while debt is only being accumulated and the bank is the only one who prospers. I have filled claims with Attorney General 's office of Delaware, South Carolina and Florida, I have filed claims with the BBC, FTC, FCC as well CT Corporations which is American Credit Acceptance Agent and letter sent to Executive Officer at American Credit Acceptance XXXX XXXX which should have delayed any late payments should not be reported and therefor removed due to the nature of my ongoing claim. American Credit Acceptance is based on FRN, so no payments have never been made only discharge of debt. American Credit Acceptance did not loan me money I issued a security in the form of a negotiable instrument, the bank then recorded this in an account and that accounting, the amount of funds is the amount owed to the public which is a debt from the bank not my debt, I have made numerous of requests for the bank to provide me with both on and off ledger accounting information and was advised by one of their agents that they had no idea what I was talking about which Is why I then requested information be sent to those who would have that information. Even under this guise the bank with these types of methods will always be in place to win because they have insurance that pay them for their losses. Banks have a private side and a public side I demand to see both If I am going to be held liable for this debt. I understand this loan is a simple interest contract, however it doesnt mean that individuals who may have to resort to subprime lenders that were not entitled to our method of contract banking should not be treated in the same manner of someone who may not need to go through a subprime lender. Claims have also been made and cases brought up by other low-income consumers stating These methods, according to a Consumer Reports review of regulatory filing and legal documents, sometimes start with lenders working with dealers to markup cars sold to low-income borrowers more than they do for customers with better credit, or to upsell them into pricier cars they cant afford. Lenders are also accused of structuring the loans and their arrangements with dealers in ways that all but guarantee a profit even if borrowers ' default. But its a perilous model for low-credit consumers. The sky-high interest rates, with terms often stretching 72 months or longer and monthly payments eating up a significant portion of their income, make default likely. This is not equitable banking business. This is consumers being taken advantage of which can and will affect commerce.
01/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	VA 22902	Web
To : American Credit Acceptance From : XXXX XXXX Original Creditor/Investor XXXX XXXX XXXX XXXX XXXX Va XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL AFFIDAVIT OF TRUTH XXXX. On XX/XX/2022, as the original creditor, private investor I extended credits to you for the applicant/principal, consumer based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report. 2. 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit. 3. I received a letter from you on XX/XX/2022, stating you denied the consumer/principal extension of credit based on the consumer credit report. This is misconception and deceit, as the private investor I was under the impression I was extending credit only based thoroughly on all information in the credit application. 4. 15 USC 1681a ( I ) ( 2 ) ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. As the Original creditor/private investor I extended credits based on the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits. 5. 15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, you are fully in violation of the consumer rights. Therefore, you now hold civil liability for willful noncompliance. 6. 15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. 7. The damages caused in your incompetency I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes mental illness, and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ). The damages are in the total amount of {$100000.00} XXXX. My XXXX in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time, labor to respond to your adverse action is valued at {$10000.00} and I should be fully compensated. The first Amendment of the U.S. Constitution protects my right to work. I have a right to work and contract my labor, my time, and my skill, and my life as I see fit. If I am not fully giving all demands to restore faith and trust within this credit transaction, I will take civil actions for all damages caused by your negligence. XXXX. I declare under penalty and perjury under the laws of XXXX that all is true and correct to the best of my knowledge. Void where prohibited by law, however it does not change the rest of the Truth! XXXX ; XXXX
11/21/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	TX 75154	Web
On Wednesday XX/XX/XXXX I spoke with a rep from American Credit Acceptance from my work phone and cell phone to advise that I wouldn't be able to make a payment till Friday XX/XX/XXXX to pay for my past due payment and I wanted to make sure my car would be in repossession status.I was prompted to reach out to the company because of emails I received on XX/XX/XXXX and on XX/XX/XXXX that may vehicle was being assigned for repossession.So I reached out to inform them that I didn't get paid till that Friday, and the individual I spoke advised me she couldn't set up a promise to pay but I should be okay to make payment on Friday XX/XX/XXXX and my vehicle will not get repoed. I also tried to go online to make a promise to pay for XX/XX/XXXX but wasn't able to do so. I understand that I was late on making my payments but to wake up and my vehicle be repoed the next two days when I was told that everything should be okay because she would notate account to avoid repo happening. On Thursday XX/XX/XXXX I woke up and got ready to leave for work and my car was gone. I contacted American Credit Acceptance and they advised me that my car has been repoed, and I informed the rep that I spoke to someone on XX/XX/XXXX he informed me he didn't see any notes of any conversation, and then he transferred me to the reinstatement department were I spoke with a lady regarding the process on getting my car back. She also informed me that since there wasn't a promise to pay and my car was going to get picked up regardless. My car was parked in the front of my garage of my home if I felt that my car was going to be repoed or it may be a chance they would be getting my car I would have parked it in the garage not outside my home. I felt that I was okay I trusted what was advised to me, but these unfair and deceptive actions violate the Consumer financial protection act. Also after picking my car up when I got in it from the repo company Total Collateral Adjusters a sensor light was on stating malfunction with a triangle warning light on. Ive drove the car and the sensor keeps coming on and now my car is making a squeaky noise like something is wrong with the brakes and my car wasn't doing that till now. I also filled a affidavit with the repo company regarding this matter and was told to drive my car more than 75 miles which I did but the triangle warning sensor is still on and my breaks are still making squeaky noises. From what my manual book is advising for my car is that the safety brake has been malfunctioned. Also I was informed by multiple reps at the repo company that I wouldn't be charge a repo fee I received three messages stating that and then when it came to the day for my appointment to get my car I received a text message same day that I need to pay XXXX when I was verbally told not once or twice but on three different occasion that I didn't need to pay anything. I feel that in this process of getting my car back I've been misleading and provided incorrect information please see following pics to support my concerns. Also the reinstatement letter its very misleading because it informs you that the office closes at XXXX and is open Monday thru Friday XXXX to XXXX XXXX but its misleading if your planning on getting your car back because you try calling the XXXX you press 1 regarding your vehicle being towed you have to leave a voicemail no one returns your call in a timely matter I had to keep calling the number and try different options once I finally got help I still had to wait another day because I had to make an appointment. So there's a lot of misleading information on both parties in and again I was told I didn't have any fees, and was told by XXXX at the repo place that they didn't put final charges in till today.
10/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 23228	Web
I am writing because I purchased a used XXXX XXXX XXXX XX/XX/19 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Down Payment {$3400.00} As Is. Sales Representative XXXX. The vehicle was financed through American Credit Acceptance XXXX XXXX XXXX XXXX IN XXXX. I was advised this vehicle had not been in any accidents by the representative. When I spoke with the Finance company they asked me if there was any issues with the vehicle I told them no everything was fine. I had already discussed the AC belt with the other sales Rep XXXX which he was going to have put on at a later date due to his mechanics office was closing for the weekend. My daughter in law and I took a road trip to XXXX the evening of XX/XX/19 for a family event. While driving on the highway the vehicle started stalling and Errors started appearing on the screen Engine Malfunction Reduce Power, TPM Malfunction, the vehicle started losing power and jerking I needed to pull to the side of the road in the middle of no where on a pitch black road. I did not have funds to get a tow after waiting for a while I tried to start the car again and it started no codes came up on the screen so I continued to drive again after driving sometime the same thing happened about 4 more times. We finally made it to XXXX the afternoon ofXX/XX/19 upon arrival at my Daughter in Laws place the vehicle started stalling again and I parked the vehicle in front of my daughter in laws house and have not been able to drive it since then, I had to get a ride back to XXXX. I was very upset that I had to get a ride back home when I just purchased a vehicle. I feel I was sold a lemon. I contacted the Finance company to advise them to pick up the car. I was not paying for a vehicle that does not work, and that I was very upset about the issue with the Vehicle. The finance company advised me that I am not responsible for repairing this vehicle, and that they have already paid the Car Lot for this car. The rep with the finance company said the car lot is responsible for towing the vehicle back to XXXX and repairing it as I have not had the vehicle for a month yet. he asked why I had not contacted XXXX XXXX XXXX about the issue sooner, I told the finance company I was advised that there is no way this car should not be working within 30 days of purchase and even though I purchased it As Is. I went to the Department of Motor Vehicles to check on tags and plates for the vehicle due to not receiving them yet and was advised the vehicle was not registered and that Taxes were still owed and had to be paid before I could get the tags and plates. The finance company emailed XXXX XXXX XXXX to advise them of their responsibility to tow and repair this vehicle and for me to call them and make sure I let XXXX XXXX XXXX know that they were sent an email from the finance company. I contacted XXXX XXXX XXXX and spoke with Sales rep XXXX and he advised me that he was not going to tow car back and that I will have to get car back to XXXX and he can have his people repair vehicle at his costs. The rep said that he know or trust any mechanics in XXXX and he can have the repair done for much less than a XXXX XXXX would charge. XXXX XXXX XXXX said they will not reimburse me for towing the vehicle back from XXXX. I am at a total loss at this time. I feel that I was completely taken advantage. I am out of a vehicle and Money that I can not get back for being sold a Lemon. I called back to the finance company and spoke with different representative that had no compassion, or acknowledgement of the extensive inquiry and conversation I has with the previous representative. She threatened my credit more than once and never acknowledge the complaint I had in process.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Servicemember
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on XX/XX/XXXX, knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with AMERICAN CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with AMERICAN CREDIT ACCEPTANCE. for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 30 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
10/26/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 75071	Web	Servicemember
XXXX XXXX, XXXX XXXX XXXX General Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear, XXXX XXXX On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX. I made this purchase at the XXXX XXXX used department with the assistance of your sales associate XXXX XXXX. Unfortunately, the vehicle that I purchased fifteen days ago has not only been a disappointment, but an endangerment not only to myself but also the life of my daughter for the following reasons. Exactly seven days from the original purchase date of the XXXX rogue, I began to experience mechanical issues such as, loss of power, loud knocking, and even a complete engine shut down while in the center of an intersection with my XXXX year old daughter in the back seat. I immediately had the vehicle brought directly back to the used department, as I would no longer desire to purchase the XXXX XXXX and select a different vehicle after utilizing the proper procedures. Needless to say that was completely infuriating, and dangerous on all accounts. Following these events the morning of Saturday XXXX XXXX, I was forced to request a loaner vehicle due to the inconvenience along with needing to attend my daughters birthday celebration that afternoon. I was issued the most disgusting, substandard and mechanically unfit XXXX XXXX as a loaner vehicle, which had major alignment and engine overheating issues. To make matters even better I was issued this XXXX XXXX with less than a quarter of a tank of gas, and had to immediately rush to the nearest gas station. Unfortunately due to the untimely, and lackadaisical effort exerted by the used department management I was unable to fully attend my own daughters birthday celebration. Shortly thereafter being completely mistreated with the first loaner and not yet having any communication regarding the XXXX XXXX being returned and exchanged, I requested an alternate loaner. To My surprise I was somehow met with an even worse vehicle. I received a XXXX XXXX XXXX on XXXX XXXX, XXXX, which had over 210,000 miles which when coupled with the transmission gears skipping issue, and also no gasoline upon receipt I was at a loss. So due to my vigorous work schedule I was unable to return the XXXX XXXX immediately, and when I called the Used department management staff to inquire about an exchange I was told we will have your salesman contact you on two separate occasions. By XXXX XXXX, XXXX I had still had zero communication about the XXXX XXXX, but I couldnt operate the XXXX XXXX any further. So I drove it directly to the used department, and after the help of XXXX XXXX after remaining in the waiting area for 4 & 1/2 hours the very best vehicle I was able to receive was my current loaner the hail damaged XXXX XXXX XXXX that was loaned with the actual gas light on! To the credit of XXXX XXXX he stated Im very sorry about there being no gas, but if we can get you into another vehicle I will get you a full tank which was the best customer serviced I had even received in the time I had been dealing with the Used department. As it stands the XXXX XXXX has yet to be appraised for trade value or even communicated to me by anyone in the entire used car department what the next step is in even getting me into another vehicle. To resolve this entire problem, I would appreciate your immediate assistance in acquiring a NEW vehicle, and no longer purchasing any vehicle with the XXXX XXXX used department entirely. Attached are copies of all Buyers Tag receipts listing all dates on the previously mentioned loaner vehicles. I look forward to your reply and a resolution to this situation. I will wait 1 Business day from the date of this letter before involving a third-party.
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20735	Web
CC : Attorney General Office CC : The Office of the Commissioner of Financial Regulation This letter is to inform American Credit Acceptance that I am filing a formal complaint to you regarding the inaccurate information listed with XXXX, XXXX, and XXXX I'd like to resolve this improbable matter without further justification between Myself and American Credit Acceptance. I called to pay my car note on XX/XX/2021 I spoke with a representative, and she said that I had a balance of {$1900.00} due immediately I questioned, what is this balance about? She said it was for a deferred payment arrangement. I asked her if I could continue paying my regular payment each month until the balance was {$0.00} I can't settle the balance at once. The representative stated to me that she would get this agreement authorized due to my payment history on the account she did not see any reason why this should be a problem she would send me a confirmation email regarding our conversation. I confirmed with her the email XXXX. The following month I called in again to pay my car note and was told that I had to pay {$1800.00} due immediately I then stated that I spoke with someone last month, and she authorized me to continue paying my regular note, and she was going to email me confirming our agreement I never received the email. I wanted to continue to pay monthly this was more convenient for me. The representative then stated that I would need to sign a form to set the agreement to be valid I confirmed my email with her at XXXX and told her to stay on the phone with me, and she said it would take 24-48 hours to receive the form I made a note to look for this form within 48 hours which would have been on a Wednesday. I never received the form. I called back after Wednesday and spoke with a representative and told her that I never received the email she said that she would take care of this for me, and she confirmed the email XXXX. I never received the email now we are well into XXXX I called in and paid my car note each month I spoke to someone every time I paid, and they said they were going to send me the form I verified my email each time XXXX and continued to pay my car note each month until the last balance was {$760.00} on XXXX I paid the last of the balance and was told that I would receive my title in 30 days. Not only that, but I then went onto my credit reports and have been working on all 3 at least 2 days out of the week and there was not any charge off bad debt. However, on XXXX, I received a notification from XXXX XXXX that American credit acceptance flagged my account with a bad debt charge off. After I repeatedly called and spoke with several representatives, it was noted in your system. I even let go of the fact that you stated I was late in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX even after I continued to call and follow up with numerous representatives in your office every month when payment was submitted to you. I also had another account with you, and you reported that one is in good standing, I am not understanding why you would report false information on this account. However, Once I received a notification I was livid and emotionally upset, and drained with American Credit Acceptance I called in and spoke to a representative on XXXX I was very broken and nervously tearful I explained to her everything I stated in this letter, and she told me that they were not going to remove this from my report, and she kept placing me on hold. I finally said you know what I think I will get legal help and take my actions further she then placed me on hold again and transferred me to XXXX who stated she was a Manager ext XXXX she read back the not
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20735	Web
CC : Attorney General Office CC : The Office of the Commissioner of Financial Regulation This letter is to inform American Credit Acceptance that I am filing a formal complaint to you regarding the inaccurate information listed with XXXX, XXXX, and XXXX I'd like to resolve this improbable matter without further justification between Myself and American Credit Acceptance. I called to pay my car note on XX/XX/2021 I spoke with a representative, and she said that I had a balance of {$1900.00} due immediately I questioned, what is this balance about? She said it was for a deferred payment arrangement. I asked her if I could continue paying my regular payment each month until the balance was {$0.00} I can't settle the balance at once. The representative stated to me that she would get this agreement authorized due to my payment history on the account she did not see any reason why this should be a problem she would send me a confirmation email regarding our conversation. I confirmed with her the email XXXX. The following month I called in again to pay my car note and was told that I had to pay {$1800.00} due immediately I then stated that I spoke with someone last month, and she authorized me to continue paying my regular note, and she was going to email me confirming our agreement I never received the email. I wanted to continue to pay monthly this was more convenient for me. The representative then stated that I would need to sign a form to set the agreement to be valid I confirmed my email with her at XXXX and told her to stay on the phone with me, and she said it would take 24-48 hours to receive the form I made a note to look for this form within 48 hours which would have been on a Wednesday. I never received the form. I called back after Wednesday and spoke with a representative and told her that I never received the email she said that she would take care of this for me, and she confirmed the email XXXX. I never received the email now we are well into XXXX I called in and paid my car note each month I spoke to someone every time I paid, and they said they were going to send me the form I verified my email each time XXXX and continued to pay my car note each month until the last balance was {$760.00} on XXXX I paid the last of the balance and was told that I would receive my title in 30 days. Not only that, but I then went onto my credit reports and have been working on all 3 at least 2 days out of the week and there was not any charge off bad debt. However, on XXXX, I received a notification from XXXX XXXX that American credit acceptance flagged my account with a bad debt charge off. After I repeatedly called and spoke with several representatives, it was noted in your system. I even let go of the fact that you stated I was late in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX even after I continued to call and follow up with numerous representatives in your office every month when payment was submitted to you. I also had another account with you, and you reported that one is in good standing, I am not understanding why you would report false information on this account. However, Once I received a notification I was livid and emotionally upset, and drained with American Credit Acceptance I called in and spoke to a representative on XXXX I was very broken and nervously tearful I explained to her everything I stated in this letter, and she told me that they were not going to remove this from my report, and she kept placing me on hold. I finally said you know what I think I will get legal help and take my actions further she then placed me on hold again and transferred me to XXXX who stated she was a Manager ext XXXX she read back the not
05/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA XXXXX	Web
On XX/XX/XXXX my XXXX XXXX XXXX was completely total by a XXXX XXXX who kept backing up and hitting the XXXX this was all on video, my XXXX XXXX XXXX bad off the XXXX. with through the motions, then i went XXXX in XXXX XXXX i was approve through this company call American Credit Acceptance on XXXX for a XXXX XXXX XXXX interest rate was only going to be XXXX i left with the vehicle on XXXX and notice that the driver tire was damaged and the rim and the front bumper was not right took this vehicle back the next day XXXX after sending the photos to the car sales man that sold me this vehicle, then they called on me i came in and sure enough the tire was bad and they told me the rim was damaged they had to order and the front bumper as well then the tech came out and said the XXXX XXXX transmission fell out, i was argery and i wanted my money back. so the XXXX XXXX manager came out and said here is my top assistance manager to help me and to give them a chance to make things right so they showed me a XXXX XXXX with XXXX miles on and cave it to me at the same price and interest rate, they gave me the papers and i said i did not sign any thing then when i got the paper work in my email the short version they robo copied my signature and being in IT this is a security and fraud, i went back and confronting them and they said to bad i am stuck with the car and i notice the interest rate was 28 % making the vehicle XXXX a month for 74 months and i was like what i put XXXX down on the 1st car it transfer to the XXXX XXXX so now i am stuck. I have paid on this vehicle for two years and payments have not dropped it was like i was paying only the interest only i called American Credit Acceptance and they were like to bad. then the unforeseeable happened XXXX XX/XX/XXXX i lended up at eXXXX XXXX XXXX as a code 1 I was diagnosed with stage XXXX XXXX unspecified they found a XXXX in my back XXXX was done i was still in the hospital i called American credit acceptance and told them i could not make anymore payments and if they can deliver payment for at least two months and they said no they were rude to me and i told them i have stage XXXX XXXX they told me they did not care my last payment to them was XX/XX/XXXX they kept harassing me sending nasty emails etc. I told them several times to big up the car instead they have been making my life a living XXXX telling i will go to jail, they will break into the house if i cant pay and i was like come get your car till this day they have not come to get the XXXX XXXX XXXX XXXX XXXXXXXX XXXX line but they keep saying XXXX XXXX passat so i my concern was this car vin number wrong?? but i had to change my number i could not take it anymore with me having XXXX XXXX, doing XXXX, XXXX XXXX nothing but harassment sending emails every day... so i was looking for a consumer lawyer and her name was XXXX XXXX [ XXXX ] the XXXX XXXX XXXX in XXXX, IL ... i told her what was going on and she emailed me on what to do she said this XXXX XXXX XXXX has over XXXX major law suits committing fraud and are predatory lending and to see if i can reach out to the Georgia Attorney General for assistance with this issue as well. my grandson left college in CO gave up his scholarship for football as well to come take care of me my life space from XXXX XXXX is 5 yrs with treatment and possible remission XXXX XXXX is not curable. I have XXXXXXXX XXXX XXXX working on my ssd and ssi we are at XXXX XXXX to go before a judge so i can be approved my file has been pushed to the front of the list.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92376	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RE : XXXX To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) 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. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 1. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. In addition, I demand to have a copy of my updated consumer report once the following changes have been made. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
12/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28210	Web
American Credit Acceptance is a predatory auto-lender that offers high interest auto loans to consumers with low credit scores, with the intention of them defaulting and then charging excessive penalties and interest. In XX/XX/XXXX, I was literally recovering from being homeless. I had finally resumed work, and needed a vehicle to get to and from work. Although I knew that the 20 % interest auto loan was predatory, I was told I only needed to make timely payments, and then I could refinance at a lower rate. After several months of perfect payment history, I called and requested a chance to refinance. I was told the company simply " doesn't refinance. '' Because of the predatory interest rate, I already had negative equity in the vehicle, and finding another lender to underwrite an auto with negative interest while trying to rebuild my credit was not possible. I continued to make timely payments until XX/XX/XXXX, when the Coronavirus pandemic hit. Due to my family situation ( I remained employed, but my family which I support, did not ) I called and requested assistance from American Credit Acceptance. I was told I would have to mail in a request. When I told them that I resided in a county and state which was currently under mandatory stay-at-home order, and thus could not visit a printing store to send printed letter, and instead requested the ability to file a request by telephone, email, or other electronic means. I was told they wouldn't accept any emails, that a paper letter was the only request they would accept. Unable to do so because of the coronavirus and other world events, I simply had to accept their predatory behavior. Unfortunately, they used the coronavirus pandemic as a means to extort me as a consumer. Despite my calls and requests for assistance, they pursued collection actions. In XX/XX/XXXX, On the day my payment was due, I walked outside to see that they had repossessed my vehicle in the middle of the night. I got an email at XXXX that morning, saying that I should contact them immediately because the car was in danger of repossession. Since the car was already repossessed, they clearly contacted a towing company ahead of time to take the vehicle on the day the payment was due, BEFORE sending the warning. During the time leading up to the repossession, they did not send a single email, letter, or make a telephone call. I contacted ACA to attempt to retain my vehicle, and was astonished to understand that they had a " Vehicle Recovery '' Department, suggesting that quick and illegal repossessions are course of business for them, so they can charge exploitative fees. I was subjected to over {$2000.00} in fees ( fees for the repossession charged by ACA, a " research '' fee, a reinstatement fee, and then had to pay additional fees to the tow company ). I paid all of these fees, including the past due balance, and was able to take back custody of my vehicle. However, the next month, ACA continued to add fees related to the repossession. They add these fees to your principal balance, which means any new payments you make, you are constantly behind payments, which they use to continue to threaten another repossession, in addition to dinging your credit for " past due '' payments, so you are unable to seek help with another lender. They simply have you trapped. I implore the CFPB for any assistance they can provide to me, and to warn other consumers of these exploitative and predatory tactics.
04/24/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 78250	Web	Servicemember
I made a payment to American Credit Acceptance on XX/XX/2018 at XXXX prior to their company opening. At this point I was 77 days past due, and they have always accepted partial payments via XXXX XXXX and as long as the payment covers 30 days and brings the account below 75 days past due their company policy which I verified is still in tact is to remove the customer off the repo list immediately to submit this request. I did not call this time when I made the payment because during the normal course of business they would see any auto pays customers drop and post to the account accordingly, however they left my account on the repo list and the repo rep from XXXX XXXX XXXX that they contracted with still came to my home and attempted to repo my vehicle WITH ME IN IT BACKING OUT. This XXXX repo man hooked my vehicle when I was in motion, thats totally illegal in my state. Not to mention this man sat in my yard with me still in my vehicle for almost 4 hours, prevented my from picking my child up from school and any members of my home from leaving. I have a XXXX parent who needs attention and care around the clock, my mother who is also a senior came outside and told the man she would pay him, he just stated no sorry Im taking the vehicle. I refused to get out of my vehicle the entire time while on the line with American Credit Acceptance executive offices speaking with XXXX who coldly told me there was nothing he could do I need to give up the vehicle and they wil turn around and give it back to me as soon as the payment I already made posts to my account and brings me to 50 days behind. Completely unacceptable and in humane and down right humiliating. My daughters friends walked home from school crossing our yard and jumping over the hook as he was blocking traffic completely on one side causing the kids to have to cross in front of his vehicle all the way in the street or in my yard in between the car. Well eventually neighbors called our local police department and IMMEDIATELY when the police officer arrived he advised the man to drop my vehicle due to safety issues thats not a legal repossession in the state hes in you can not have a car hooked with the person inside the vehicle. I stepped out of my vehicle, they man dropped my car and drove away from my home without the vehicle. This company had the audacity to place REPO fees on my account for a REPO that did not occur. I am obtaining a police report for that day as proof that my car was not repossessed and has not been since and these fees are completely unjustified and this company is attempting to defraud money from me knowing my current situation. This company is EVIL and I am working on seeking legal counsel to sue this company for all unnecessary harassment contacting me 5-7 times daily at my cell number, not leaving messages, refusing to work with me after agreeing to work with me in previous calls. This company is highly predatory and I have had nothing but problems from them since the very beginning. I want this company to remove any and all repo fees from my account because that Is totally false no repo ever took place. The times this company reposessed my vehicle I paid the fees with no problem, but in this case a repo did not occur and I REFUSE TO MAKE ANY further payments to this company until a real executive resolves this as well as every other issue with this car loan.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92040	Web
American Credit Acceptance is not reporting the balance or transaction history correctly on my credit report. I am being told by American Credit Acceptance that my payoff amount is {$8500.00}, however, balance that is being shown on my credit report is {$10000.00} and that amount has remained the same on my credit report for over 1 year with one exception. Two or three weeks ago, I noticed that American Credit Acceptance reported my account as closed with a {$0.00} balance on XXXX XXXX, but did not report the same information through XXXX. This account was never closed, nor do I have a {$0.00} balance. I filed disputes through XXXX XXXX and XXXX to attempt to resolve the issue. The disputes were closed, but the report was put back to the way it was before I filed the dispute ( with the {$10000.00} balance ). I have filed a dispute with these two agencies in the past to have it fixed to no avail. Them not updating things correctly has caused me so much trouble financially, because while I haven't been the BEST borrower, I still have paid almost everything I've owed them and it's affecting me from being able to open other credit accounts because it looks like I'm a worse borrower than I actually am. This includes utilities, personal loans to repair the vehicle that I have had numerous issues with since I bought the car, and refinancing the loan with a different company. I have missed payments, but American Credit Acceptance is missing entire years worth of data and it makes it look like I don't make any payments on time. All of XXXX is missing, 9 months of XXXX is missing, all of XXXX is missing, and all of XXXX is missing. I did have a repossession in either XXXX or XXXX, however, I did redeem that and I paid all fees associated with the repossession and the past due balance that I needed to pay in order to redeem the vehicle. I was never told that I needed to pay anything else and that my vehicle was back in good standings. In XX/XX/XXXX, I spoke to a representative of American Credit Acceptance over the phone regarding my loan maturity date, which is XX/XX/XXXX. I was then and ONLY then informed that I still had the balance of {$8500.00} that is owed by XX/XX/XXXX. I was never once told why I had such a high balance after opening the account in XX/XX/XXXX. I also asked the representative for a copy of my transaction history. I noticed today, XX/XX/XXXX, that my balance increased after I received my vehicle back from repossession, even though I had paid all fees and owed charges in order to redeem the vehicle. I was never informed of this change via email, letter, writing, phone call, text message, or any thing else. Additionally, My APR is over 30 %, but I don't ever remember signing a contract with that rate. I remember 28 %, which is still high but not as high. I have included a copy of my transaction history to this complaint. EDIT : I actually just looked back at my transaction history and noticed that some of the payments I have made have strictly gone to just interest and not both interest and principle. My balance has increased almost back to my original loan amount several times. This loan is extremely predatory and meant to make it so that I was never able to pay it off in the first place. I will be pursuing legal action if a resolution is not reached within a reasonable amount of time.
02/16/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NV 89119	Web
Buyer Name : XXXX XXXX XXXX XXXX Phone # XXXX Company Name : American Credit Acceptance Purchased of vehicle XX/XX/2021 Repossession of vehicle Date : XX/XX/2021 Allegedly Acct ending in # XXXX annual percentage rate : 28 % finance charge : {$31000.00} amount financed : {$28000.00} total payments : {$59000.00} total sales price : {$62000.00} downpayment : XXXX 15 U.S. Code 1635 ( a ) ( b ) ( g ) ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. ( g ) Additional relief In any action in which it is determined that a creditor has violated this section, in addition to rescission the court may award relief under section 1640 of this title for violations of this subchapter not relating to the right to rescind. I
06/22/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21212	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : AMERICAN CREDIT ACCEPT XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
03/02/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 454XX	Web
On XX/XX/XXXX I called American Credit Acceptance Corporation to establish a payment arrangement to bring my the delinquent loan current. The young lady who was setting up the arrangement was setting up two payments. One payment for {$240.00} for XX/XX/XXXX and additional payment for {$390.00} scheduled to come out on XX/XX/XXXX these two payments would bring me current and the next payment would be due in XX/XX/XXXX. The young lady then provided me with two confirmation numbers, I questioned how she was able to do that for a scheduled payment and she advised that is how their system works. I was skeptical but took her word for it. One hour later I received an alert that both payments had cleared my account, I was furious and called American Credit Acceptance and spoke with a supervisor who advised he would listen to the call and contact me the next day. I advised it is the holiday and I needed those funds back immediately. He advised they would overnight if the call revealed I was correct. He never contacted me so I called back and there were notes on my account that indicated I was correct, so they agreed to refund the money, two day overnight which meant i would not receive it till XX/XX/XXXX. I was furious but there was nothing I could do. In the month of XX/XX/XXXX I noticed that the payment they were supposed to take per the agreement was still in my account so on XX/XX/XXXX I contacted XXXX XXXX XXXX and was advised that my account was 98 days delinquent, I could not understand why. I was advised that the pay arrangement had broken, due to the fact that the young lady took two payments in error, they never reset the arrangement. I advised I would pay the agreed amount over the phone and the representative said he could not honor the original agreement, so I asked to speak with someone who could as this was not my error. He advised no one to speak with at the time, so I asked if I should call back in the morning and he said yes. So on XX/XX/XXXX I called in and asked for a manager, I spoke with XXXX I believe and she advised that they have been trying to contact me. When I asked when and how, she stated we have been calling you a couple of times a day for the last few weeks. I asked did you leave a message for me to contact you? And she stated no. So I asked how would I know that you called, when the name of your company does not show on my called ID? It's just a toll free number. As the conversation went on I was still trying to get someone at American Credit Acceptance to honor the agreement, XXXX refused as well. As we were talking I realize that the repossession company had picked up my vehicle. I was completely outraged, this was not my error and I did everything I could to rectify it. XXXX tried to lay blame on me again, and advised me I would need {$1100.00} ( 2 payments XXXX ) to redeem my vehicle. Additionally I had to pay XXXX to the two yard for admin fees and my vehicle was there for less than 3 hours. American Credit Acceptance Corporation are not knowledgeable about the FDCPA or the rules the govern debt collection. I have tried reasoning with them to resolve this and they simply refuse, their organization needs to be audited not only in their collection but lending practices as well, it boarders on predatory.
10/29/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MA 02048	Web
Took out a car loan in XX/XX/XXXX with American Credit Acceptance not fully aware of the history of the company or gainful knowledge that the rate of 21 % with a credit score at that time of a XXXX was astronomical. Unfortunately, unforeseen circumstances took place that hospitalized me from XX/XX/XXXX to XX/XX/XXXX. Upon discharge I contacted the bank immediately, making them aware of the circumstance and requested options of what could work in both of our favors and nevertheless there weren't any options available to me. Due to the hospitalization, I couldn't attend work as I intended so all I could do was make ends meet but by XXXX my car was REPOED! I never received a phone call, email correspondence Anything stating this could happen. Never experiencing this process, I was not sure what or where to begin so I reached out to an organization that was kind enough to help me out of this mind. As a woman of XXXX, upon arriving to XXXX XXXX 's lot which was the company that towed my car I could feel the airiness of gentlemen 's not so kind thoughts that I was in his establishment not only 20 minutes late but prepared with questions of why I was being charged {$600.00} for a metal key that didn't safely allow me to alarm my car when exiting it. At that time, he snarled and told me I could get the **** out of his place with all the questions and come back when I was ready to pay the {$600.00}. I kindly walked out the front door and contacted ACA to ask why I would be sent blindsight and I was advised that the key was supposed to only be {$240.00}, and they requested that the fee be waived. Besides asking to waive the fee XXXX didn't have any other information besides, they don't deal with that XXXX XXXX directly and contact the company that does. Following that advisement, I did get an apology from the company that dealt was XXXX but that wasn't acceptable behavior. Finally getting into the swing of things I began making payments not always on time but making my finances work for me. I began to have a heavy feeling that there were overpayments somewhere that were never credited. Logged on to portal and EVERY payment I posted than had a reversal payment as though I've been reimbursed. Inquired to the agent, and she stated that's how they rectify billing but that didnt make sense to me. Extremely adamant that I have been taking advantage of. No one can explain to me why my payments look so out of sorts and why in XXXX upon checking the portal it stayed my next payment wasn't until XXXX. The only reason I could think of is because I was correct on I made to many payments. SO I did just that I made a payment on XX/XX/XXXX. BUT ON XX/XX/XXXX my car was REPOED again?!? Just as before no phone call, no email no correspondence they just take my car! I logged into the portal just as before and it stated I was 3 months behind! But I don't see how I went from a balance of XXXX due in XXXX to owing 3 months in XXXX and REPOED... Please Help! Moreover, constantly American Credit Acceptance reports to the credit bureaus inaccurate reporting 's, have reported my account as closed with serious delinquency 's and then reports to another credit bureau that I have on time and great payment history. I am totally beside myself
09/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL XXXXX	Web
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX [ Attorney General 's Office for Your State ] [ Address ] [ City, State, Zip Code ] Re : Formal Complaint Against American Credit Acceptance for Predatory Lending Practices Dear Sir/Madam , I am writing to file a formal complaint against American Credit Acceptance ( ACA ) for what I believe to be predatory lending practices that have adversely affected my financial well-being. It has come to my attention that my situation may not be isolated, and I am deeply concerned about the potential harm that ACA 's practices may be causing to other consumers. My account details with ACA are as follows : - Account Number : XXXX XXXX - Vehicle : XXXX XXXX - Original Loan Amount : Approximately {$15000.00} - Monthly Payment : {$350.00} - Number of Payments Made : 39 - Outstanding Balance : Approximately {$14000.00} I initiated this auto loan over five years ago with ACA, and despite making 39 monthly payments of {$350.00} each, I find myself in a perplexing situation where my outstanding balance remains nearly identical to the original loan amount. This has raised significant questions about the legitimacy of ACA 's lending practices and the allocation of my payments. Furthermore, I have learned that during the course of my loan, ACA may have engaged in similar practices with other consumers. This concerns me greatly, as it indicates a potential pattern of predatory lending behavior that could be harming numerous individuals. I am formally requesting the following actions : 1.Comprehensive Investigation I urge the CFPB and the Attorney General 's office to conduct a thorough investigation into ACA 's lending practices, specifically in cases similar to mine, where consumers have made numerous payments without seeing a substantial reduction in their loan balances. 2 Transparency and Accountability I request that ACA be held accountable for its lending practices and that it provides a detailed account statement that clarifies how my payments have been applied. I believe this will reveal whether predatory practices are involved. 3.Protection for Consumers It is my hope that through this investigation, consumers who have been affected by predatory lending practices can receive the assistance and protection they deserve. I am aware of the importance of consumer protection and fair lending practices, and I believe that my case highlights potential violations in this regard. I kindly request that both the CFPB and the Attorney General 's office thoroughly investigate my complaint and take appropriate actions to address any predatory lending practices that may be affecting consumers. I appreciate your attention to this matter and look forward to a prompt resolution that ensures the fair treatment of consumers in their financial transactions. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any further information or documentation related to my complaint. Thank you for your assistance in addressing this issue. This needs to stop 200 % plus of what i was finance for. Sincerely, XXXX XXXX
07/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33470	Web
Formal Complaint Regarding Identity Theft and Fraudulent Account Dear Sir/Madam, I am writing to file a formal complaint against American Credit Acceptance regarding a fraudulent account that has been erroneously reported on my credit history. I recently discovered the existence of this account, which I have no knowledge of or involvement in, and I am seeking your assistance in resolving this matter promptly. Account Details : Account Type - Detail : Auto Loan Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$17000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I want to emphasize that I have never entered into any agreement or contractual arrangement with American Credit Acceptance or any related entity. It is evident that my personal information has been compromised, resulting in the fraudulent opening of this account. This incident has caused me significant distress, as well as the potential for reputational and financial harm. As a victim of identity theft, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the obligation of credit reporting agencies and data furnishers to conduct reasonable investigations into disputed information. Section 605B of the FCRA provides consumers the right to dispute inaccurate or fraudulent information on their credit report. I am exercising that right and requesting the immediate removal of this fraudulent account from my credit report. I have already taken steps to report the fraudulent account to the major credit bureaus, but it remains on my credit report despite the evidence provided. I have also filed a police report documenting the identity theft incident, which I have enclosed with this complaint. The enclosed documentation serves as proof of my non-involvement in this fraudulent account and supports my request for its removal. I understand that American Credit Acceptance has a responsibility to ensure the accuracy of the information it reports to credit bureaus. Failure to remove inaccurate or fraudulent information can have severe consequences for consumers, including damage to their creditworthiness, difficulty in obtaining credit, and potential legal action. I urge American Credit Acceptance to promptly investigate this matter, correct any inaccuracies, and remove the fraudulent account from my credit history. I kindly request that you keep me informed of the progress of this complaint and provide me with written confirmation once the fraudulent account has been removed from my credit report. Additionally, I would appreciate any guidance or assistance you can provide to expedite the resolution of this matter and prevent any further negative impact on my credit standing. I trust that American Credit Acceptance will handle this complaint with the utmost seriousness and urgency, in adherence to the applicable laws and regulations governing the accurate reporting of consumer credit information. I look forward to a swift resolution that restores my credit report to its accurate and untarnished state. Thank you for your attention to this matter. Yours faithfully,
07/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL XXXXX	Web
I opened a car loan with American Credit Acceptance XX/XX/XXXX in the state of Alabama purchasing a car XXXX XXXX XXXX from XXXX located in XXXX, XXXX. At the time I was not aware of Usury Laws in each state ( which is how they get away with taking advantage of customers ), but now I am aware that this company has been charging me an illegal interest rate of 26.5 %. When I purchased the car the sticker price was {$12000.00}, a XXXX down payment and with other charges financed {$14000.00}, 72 payments {$400.00}, {$6.00} to pay XXXX XXXX. As of XXXX XXXX ( 5 years ) my pay off balance is {$13000.00}. Under Alabama Code Title 8 the legal maximum Rate of Interest is 8 %. American Credit Acceptance are preying lenders and use loopholes and customer insensibility to take advantage of people and charge illegal interest rates. I have talked with XXXX serveral times to refinance the car to lower my monthly payment that have refused and have stated that they do not refinance loans. Rescently, I went to my bank to see about refinancing I was informed that the interest rate come back that was over the Alabama limit, and that I still owned so much money on the loan. I live on a SSI check a month and when the car was purchased my mother co-signed for me ( on SSI too ) I feel that XXXX advantage of us because of our SSI and discrimined against us because of low credit score with a higher interest rate.Penalty for Usury ( Unlawful Interest Rate ) If the interest charged exceeds the amount legally permitted by Alabama law, its usurious. If so, the contract can not be enforced, except to pay the principal originally loaned. The borrower can also deduct from the principal any interest already paid. At the present time I owe {$13000.00} for 2 more years when the car was only financed for {$14000.00}. This unfair practice by XXXX has really placed me in a hard position. Also on the retail Installement contract with XXXX reads- intrest rate- XXXX, finance charge- {$14000.00}, total amount of payments {$29000.00}, total sale price including down payment- $ XXXX {$29000.00}, American Credit knows that their customers wont be able to afford the loans they are given but agree to let them purchase them from car dealerships anyway. Thats because, XXXX knows that even when borrowers default, they can make money in other ways ( such as repossesion, late fees, high interest rates ) I understand that XXXX is a main candidate in the subprime auto lending industry but I am accussing them of violating laws that prohibit outrageous or dishonest business practices by writing loans they know are destined to fail, and by exposing borrowers to unnecessarily high interest rate. The high-interest retail installment contracts that it knew or should have known many borrowers would be unable to repay.This company profited from these contracts, borrowers experienced credit harm, and, in some instances, lost their vehicles or down payments.I also alleged that some American Credit Acceptance have hidden finance charges, which resulted in violations of the state of Alabama 8 % usury cap and that American Credit Acceptance engaged in unlawful collection practices.
12/30/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32824	Web
On XXXX XXXX of XXXX I was desperate to purchase a vehicle as I was starting a new job in a couple days and needed a car when I contacted XXXX XXXX from XXXX XXXX XXXX XXXX. I called and asked him cars with price up to {$4000.00}. XXXX XXXX called me back and told me he had a car for sale with a reduced price of {$4000.00} ( original price {$4600.00} ). I went to the dealer and after several hours back and forward about price and financial options, he said I only qualified for a loan if I paid {$2000.00}. He told me he had to raise the price of the car in order to qualify me to obtain a loan. The price of the car jumped from {$4000.00} to {$5900.00} plus {$690.00} dealer fee. I gave a {$2000.00} down payment ( as mandatory to obtain the loan ) being {$1000.00} with a master card I had to borrow from my girlfriend and a post dated check for {$1000.00} ( to be cashed in 30 days ). Even after the {$2000.00} down payment, the amount financed ended up being {$5600.00} with a 27.99 % interest with American Credit Acceptance LLC totaling {$12000.00} for a {$4000.00} car. I have their adds from their website showing the exactly car for sale for {$4600.00}, which proves their inflated the price. This deal demonstrated the predatory sales tactics from XXXX XXXX XXXX XXXX by inflating the price of the car, adding junk fees knowing my desperation for a vehicle and put me in a finance loan with an illegal interest rate as in the State of Florida the maximum interest rate is 18 % in loans up to {$500000.00}. After being there for six hours, I was so exhausted that I ended up signing everything they asked me as all I wanted was to be done and go home. The interest in my loan is 27.99 %. XXXX The XXXX Florida Statutes : " Usurious contracts '' defined. -- ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. ( 2 ) As amended by chapter XXXX, Laws of Florida, chapter XXXX, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XXXX XXXX, XXXX, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XXXX XXXX, XXXX.
01/09/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 61761	Web
I fell behind on my payments, and my car was repossessed on XX/XX/XXXX. I got paid on the XXXX, and my representative set the payment date for the XXXX. I paid via XXXX and called with my number. I was placed on a 10 minute hold while the release was completed. I was told that it was done, and that stops my car from going to auction. I would just have to pay the storage fees. The lot was closed on the XXXX, and my car was sent to auction on the XXXX. That is 2 days after I paid. So now I am being charged at {$200.00} transportation fee and drive 2 hours to get my car. The supervisor XXXX told me that it was my fault because I should have picked the car up on XX/XX/XXXX ( XXXX XXXX 's XXXX ). They hire a 3rd party XXXX XXXX XXXX, but XXXX XXXX has my vehicle. I was told to contact XXXX XXXX XXXX, but they were closed on XXXX XXXX XXXX XXXX. I was never told to contact XXXX XXXX, but she told me that it wasn't her problem. I would give the representatives 5 stars. They have all been easy to understand, and very helpful. The supervisors on the other hand are extremely unprofessional. Initially I spoke to XXXX ( employee ID ) XXXX who is a senior representative. He told me that I was not going to get what I requested. I was then transferred to XXXX ( customer ID XXXX ) who is a supervisor, and I have never experienced such unprofessionalism. She was : 1 ) defensive from the start of the call 2 ) interrupted me and spoke over me 3 ) gave inconsistent information and kept changing her story 4 ) Gave me the name of the CEO that she had to XXXX to find. When I asked for the number, she told me that I could XXXX it myself because that is not her job. 5 ) Told me that upper management wasn't available and gone, but 30 minutes later that their management leaves in 2 minutes. 6 ) I verified the spelling of her name, she told me that she already spelled it. Her name is XXXX which is not a common name, so I had every right to make sure that I wrote it down correctly when I send my complaint. 7 ) She told me that I told ths representative that I have to wait for my paycheck to be sent in the mail. I told her that I get direct deposit because my employer doesn't send paycheck. She told me that I was lying and she listened to the call. XXXX has no business being a supervisor and representing your company. She is representing American Credit Acceptance, so her actions make your company look horrible. I worked in customer service for 9 years, and a customer should never be talked to the way I was. XXXX needs to be demoted and be retrained on her customer service skills. The same goes for XXXX who is the senior representative. Also, the CEO XXXX XXXX should be offended that his employee in a management position doesn't know his name and had to XXXX it. I will be emailing a formal complaint to American Credit Acceptance, and already have the email address. I hope that the corporate office listens to our recorded call to hear how she speaks to customers. I can be reached at XXXX and/or XXXX.
12/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	LA 71291	Web	Servicemember
On or about XX/XX/XXXX I went to XXXX XXXX in XXXX Mississippi to trade my XXXX XXXX XXXX in that I owed {$3100.00} dollars on. The car I wanted, an XXXX XXXX had sold already and the XXXX XXXX XXXX insisted I drive the XXXX XXXX XXXX that they had just acquired. I ask if the XXXX should any wrecks and was told it was clean ,0 wrecks. After sitting in the dealership for over 6 and half hours I was taken to the finance office at XXXX and rushed thru signing of papers and was not explained anything even who was my lender. I was only given a bill of sale and temp tag. For over 3 months I complained about not getting my registration or permanent Tag and than had a problem with starting of car so took to dealership to sit for 4 hrs because needed a new battery and they was waiting for XXXX XXXX to deliver and would be few more hrs. I had to be and work so I drove the mile away to XXXX XXXX and paid for the new battery myself and as the worker from Auto Zone was placing the battery in He stated " Man what did you hit in this fine car? '' I looked anf said " This car has not been in a wreck '' He laughed and said " its had extreme front end damage '' I went straight back to Dealership to XXXX XXXX an ask about the wreck and He again assured me it had not but that yes he would pull XXXX and show me. When He pulled XXXX, it immediately said had been in a front end accident. He said he was sorry but that he didn't know. So I was lied to from start and they would do nothing about it. Less than a month later after still not receiving any paperwork from lender, my car was repossed by American Credit Acceptance and was not allowed to know location to pick my belongings up which includes the rains of my dead Brother XXXX XXXX but was told until I turned in my auto keys I could not get anything and still do not have my stuff or my brother. After this happened, I learned that I now owed {$15.00} XXXX dollars on this XXXX because I had unknowingly purchased extended warranty an Gap from XXXX XXXX in amount of over {$5500.00} dollars. I've been given no help even after going to dealership and requesting these warrantys and gap be immediately dropped and terminated yet still to this date they are active. I want my remains of my Dead brother and my personal property immediately and than want my XXXX XXXX back for false statement of wreck and illegal financing of full discloser not being given In fact the finance company American Credit Acceptance didn't even have my right address that was on my registration and tag papers by had an old address from 2 yes ago and they claim that's why I never received payment book or letter to repossessed car. Hello I Dont send the papers in XXXX XXXX did. I need help please. I've lost my brother, my mother, my job and my house due o XXXX yet my Government hasn't helped. At this point I feel ashamed to be a former XXXX XXXX member and citizen of the USA. I pray someone corrects this asap. Thank you, XXXX XXXX XXXX XXXX XXXX
04/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 152XX	Web
Hello, I purchased my vehicle in XXXX with XXXX and was approved by American credit acceptance. My first payment was on time and then on I believe. However, starting in the year XXXX I was having financial difficulties because of a job that was slowly being taken away from me. Less hours to leave of absence. I was making par payments, communicating on my circumstances to make sure my vehicle would not be repossessed. But American credit did ILLEGALLY repossess my vehicle. I told them before they took my car that I will be calling back on XXXX XXXX, XXXX, to give an update or payment. I was waiting on my income tax check by mail because the irs sent my refund to my bank account and XXXX XXXX closed my account before my refund arrived, that's another story ( illegal overdraft fees ). Once I received my refund, I had to get my car back because they repossessed it before XXXX XXXX, XXXX, So, I paid the XXXX fees, money I owed, which was not much, and I paid them in XX/XX/XXXX up to XX/XX/XXXX. I believe American Credit Acceptance repossessed my car because of income tax time to get more money. Now present. I moved back home to XXXX, Pa to start over. During that time my family and I was homeless living with a friend to a shelter for 6 months or more this was during the months of XX/XX/XXXX -- XX/XX/XXXX being homeless, we are now in a home, thank XXXX. I was not working during the time. I called to make arrangements, explained my life changing events. I made arrangements to pay in XX/XX/XXXX, but I got my first pay incorrect, so I called back to change the arrangement hard time to do that as well. I had to speak with a supervisor XXXX because the other person XXXX would not help, all was being offered is to repo my car or unfortunately we can't help repeatedly. The arrangement with XXXX was for XXXX XXXX XXXX, XXXX. I called on XX/XX/XXXX to communicate this and It was a brick wall. I was asking for 2 more weeks with a supervisor by the name XXXX as we were talking about my situation, she was so busy talking about how my car was on the repo list in XXXX and unfortunately. Then my phone died. They probably put in notes I hung up, no I did not. Instead of helping me with arrangements to pay my car and to help keep me in my vehicle as stated by American credit by emails. I receive several emails from them asking if my finances have impacted me yes, my whole life was impacted, and no extended help. My car is how I get to work to pay all my bills. I had to get loud because of my frustration of the incompetence of help and lack of empathy. I would appreciate if someone can look into my repossession because I believe in my heart it was not to be repossessed and to please give me more time to pay my debt. I would not be receiving that email if my account wasn't in good standing and my payment history. P.S I also feel a little harassed instead of helped. Customer Service reps I dealt with were very rude and attitude problems, as well.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89147	Web
Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been 30/60/90 days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau XXXX times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called ACA to inquire about when has my account been 30/60/90 late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from ACA stating that I now owe {$230.00} in late fees. Once again I called ACA at this point I can't even sign into my ACA portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against ACA with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru ACA so I have to car payments and two insurance payments with no end to this night mare with ACA. The stress, frustration and aggregation that this is causing in ridiculous. ACA don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what ACA has reported to the credit bureaus. None of my payments have gone past 30/60/90 days past the current payment date. I want my credit reports to be corrected.
09/28/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93306	Web
On XX/XX/2019 I spoke with a representative by the name of XXXX and cancelled a {$560.00} payment scheduled for XX/XX/2019. I also asked that XXXX send a billing statement by mail to allow me to pay by mail instead of being charged {$6.00} by XXXX XXXX each time i make a payment. My husband had asked a previous representative in XXXX to do the same, but we hadnt received it by XX/XX/2019 so I requested one again. XXXX stated that the payment was cancelled and he would be sending the statement. On XX/XX/2019, I received a notice from my bank stating it had become overdrawn. When I looked into it, I had a charge from American Credit Acceptance for the {$560.00} I had previously cancelled on XX/XX/2019. On XX/XX/2019 at XXXX PST, i reaches out to American Credit Acceptance and spike with XXXX. XXXX stated that he saw where I called on XX/XX/XXXX and cancelled the payment and he saw where I was still charged. XXXX stated that the payment would be refunded to me and it would be overnighted to me. He stated I would receive the refund by XX/XX/2019. I also asked about the fees that my bank charged for being overdrawn and he stated I could send them a copy of the bank statement and they could possibly refund those fees as well. I called my bank that same morning and my bank refunded the fees and I also had my bank place a stop payment on any and all payments American Credit Acceptance would attempt to process from that day forward. I had not received anything by XX/XX/2019 so I reached out to American Credit Acceptance once again. This time I spoke with XXXX. XXXX stated that the refund was approved on XX/XX/2019, but it needed to be approved by another department and that department barely approved it on XX/XX/2019. She apologized for the misinformation given by XXXX and stated the refund would be sent to me that evening and would get to me no later than XX/XX/2019. On XX/XX/2019, I still had not received the refund. I reached out, yet again, to American Credit Acceptance and spoke with XXXX this time. XXXX advised me that she could see where the refund was approved on XX/XX/2019, but no information regarding the payment being sent. She then informed me that the payment processing department was closed for the day and for the weekend. She stated she would escalate the issue to her supervisor and her supervisor would email the payment processing team and I would have to get in contact with the payment processing team on XX/XX/2019 to see what they would decide they could do for the refund. I also asked what would be done about my account continuing to be further past due because they processed a payment when it was cancelled and it started this mess. XXXX stated that even though she was in the collections department she could not help me with that and I would need to escalate that with the payment processing department as well.
06/24/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	AZ 85021	Web
I have been staying in my car. I was pulled over and got arrested by office stating that I had a broken tail light but it was a lie. Wanted to get me out of car to arrest me for running my plates and having a warrant ( was supposed to be quash ). Not given an option was told I was leaving my car behind as they had to take me in. I was told vehicle was going to be OK to leave behind. This was at XXXX XXXX. Same day in the evening I went to get my car as I was released for miscommunication. My car was no longer in the parking lot ... called number in the lot that no cars can be left overnight *officer never mentioned that ). They didn't take my car. They advise another company took it. Called the non emergency police number. Advise car was taken by another company ... my lender has requested to pick up car. It got removed from lot at the same time I was being arrested. Not sure if the government can work with finncial institution in entrapment to get their possessions back that I legally had in my possession was just behind in payment which I was not 100 % aware. Long story short ... called lender. They told me I had my car repo and couldn't give me a lot of details. I advise that I was going to file bankruptcy include the vehicle in the BK. I ask to speak to that department to get further instructions on what I needed to do. They refuse to connect me to the department. They gave me no help, told me car was going to be sent to auction but wouldn't tell me when or tell me anything per the Arizona laws on how much time I had. I keep calling to tell them I wanted to include in a bankruptcy and would not help me. I am trying now to get my personal stuff ( my whole life was in the car like money, identity, my memories of the last year living in the car, my personal belongings ). Now I have nothing and its more difficult now to identify myself and get around in this state specially when we have heat warnings, they have left me in the streets with no shelter ( car was my home ) no money, no identity, making me once a functioning member of society into a nobody in the streets whom nobody would listen to. In final ... I am just human who made some mistakes in my life, but I am still a human being! Don't want to be what they have left me to be a nobody who has nothing, no identity, no money and no car/home thanks to our own judicial system. Emotions took over ... just american Credit Solutions would not help me with loan even after I informed them I wanted to file for bankruptcy and include the vehicle. Just told me that I would continue to get daily interest and car would be sent to auction if didn't pay that day and couldn't guaranteed my possessions left in the vehicle that is in a city 30-40 miles away. My phone, laptop, savings. my everything is in that car
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : American Credit Accp. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer 1 or more payments or forbear any delinquent amounts. ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX ( XXXX ) XXXX during the covered period. ( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) XXXX declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. Sincerely, XXXX XXXX
11/28/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising or marketing	WA 98115	Web
So online the car is advertised for {$19000.00} I get prequalified through XXXX XXXX XXXX for that dealer so I go to the dealer before or before that I am I could application and had a cosigner they told me to come in they going to deny the preapproval from their partner that they had online so then theyre trying to find me a lender dimensionally do and then say that they need a minimum of XXXX down so then I asked for the shooting in statement which you should have any more paperwork to it they just gave me the sales quote but that was good enough for me at the moment because I was able to see the amount Finance how much the car is costing taxes and fees so XXXX XXXX was XXXX and price of the car was XXXX sold in the fees was one for XXXX and then another one for XXXX and another one for XXXX so total I was going to be paying a total amount pain is {$27000.00} which is ridiculous because when they did not go over the details with me about any of those charges or they did not tell me which charges I was kidding or what add-onsOr anything they did not disclose any information with me at all and then expect me still to pay the money including title 15 USC 1605 states they can not be no cash involve me in a finance charge the down payment you can not be as illegal and they were still trying to convince me he still channelizing or will they charge for this and this is because it is what it adds up to this and they were just you know trying to find a way around it which is I think misleading in bed practices so thenAre you on the phone with the credit unions underwriters and they tell me they cant speak with me because they want to go to the dealer but I was able to explain to the underwriter who am I sitting by my point by where I stand at it with issues and she did not tell them that I had talk to her so the underwriter straight out just lied so they called back again to get somebody else find that guy into XXXX guy he did call the dealer and then I called the dealer to ask if they had talk to him and he said yeah but Im not gon na worry about that right now I got other customers in front of me right now Im not gon na deal with that right now when beforehand I was there before this customers and I hit XXXX and I feel like it was a lot more important than two customers just walking in but like I said they were trying to avoid the tuition and then at the end they were saying that they were not going to sell me a car and they were denied me a consumer credit transaction so then they basically dont wan na sell me a car because theyre breaking federal law. IMPORTANT FEDERAL LAW VIOLATIONS : TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 15 USC 1662B TITLE 15 USC 1635 TITLE 15 USC 1679a Dealership name is XXXX XXXX XXXX XXXX Washington
09/15/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32117	Web
American Credit Acceptance has an entry on my credit report for an auto loan with open date XXXX/XXXX/XXXX. They also have an entry on my credit report for an auto loan with an open date of XX/XX/XXXX-terms of loan mentioned and all. I 've never had an auto loan contract with those dates and none signed under the name American Credit Acceptance.I purchased a vehicle XXXX/XXXX/XXXX from XXXX in XXXX XXXX and XXXX financed it. Certificate of title for the vehicle states date acquired XXXX/XXXX/XXXX and lienholder XXXX XXXX XXXX. Turned in my vehicle and keys sent certified mail in XX/XX/XXXX, email sent to XXXX telling them where vehicle left and that keys mailed. Credit report does not have any information from XXXX XXXX Now for my XXXX/XXXX/XXXX signed contract. American Acceptance showed upon my credit reports with the dates listed previously and I did n't know who this was. XXXX XXXX bought the charged off 'american acceptance ' account I knew nothing of and put an entry on my credit reports that they owned the account that was opened XXXX/XXXX/XXXX ( what account? ). XXXX XXXX suing me for american acceptance debt ( what happened to XXXX? who is XXXX ) and provided copy of a sales contract in my name and a signature dated XXXX/XXXX/XXXX purchased from XXXX but balance owed statement from american acceptance ( summons ) stating I owe money for a contract dated XXXX/XXXX/XXXX. What contract is that? I disputed on credit reports all of this and american acceptance-XXXX confirmed it. Had court hearing today XX/XX/XXXX and judge asked if XXXX changed the date would that help? And also said that the dates did n't matter. A signed contract date does matter. Info falsely reported on my credit reports for years and no one trying to take it off. No resolution in court because I refuse to pay for something that is not mine and for info falsely reported against me ( no payment arrangements and XXXX used info they bought from american acceptance to sue me, when that info is false. Was said in court that attorney for XXXX did not get my credit report by I checked and their law firm completed an inquiry on my credit file XX/XX/XXXX so they should have seen that those reported dates by american acceptance did not match a contract the attorney states was mine. I 'm XXXX over this because if a judge says dates do n't matter and that if they changed the date would that make a difference ( wanted to try to get it all resolved ) and if they dismiss this case and re-file with correct dates on paperwork, I 'm doomed for not fault of mine. Please help me. I called the court back to see if I could get a transcript of today 's hearing but was told by rep who answered the phone that they do n't record for that type of case. Please help me.
06/21/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 152XX	Web
I have a car loan through American credit acceptance for a XXXX XXXX XXXX The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.
10/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91701	Web	Older American
I have a XXXX XXXX XXXX It was purchased from XXXX XX/XX/XXXX. From the very beginning, I had issues with the car. I went to XXXX to get it repaired they wouldn't repair without a service fee. which I thought was unreasonable being that I just purchased the car. I then took it to a XXXX XXXX, it was repaired and covered. Many more things began to go wrong with the car. I took it to a different auto repair service center who said it had an electrical problem that is quite expensive also only the dealership would fix it. Eventually, the AC went out, the repairs for that was {$3200.00}. There were other problems the check engine light was on, the mileage indicator was flashing and other warning lights were on as well as the engine needs service message. I called American Acceptance the Loan company to see if the would assist me in any way. They advised me maybe they can if I would get an estimate of the repairs. I went to an auto repair a place that repaired my car in fact it was the same place that initially told me that only the dealership could fix it. They gave me an estimate unfortunately they did not put everything in writing, he said because he can not get prices for many of the parts. He also told me that all the work that is needed on the car it would not be worth it, and the difficulty in finding the parts they do not want the job. The finance company said they would take off 85 % of the value of the vehicle but I would have to get an estimate showing the repairs are more the value of the car. the value of the car is {$4100.00} to {$5000.00} in good running condition this car is not. The repair as it is now is more than {$3200.00}, to get an estimate from the original place that gave me an estimate they need {$400.00} just to diagnose the can system which is to do with computers. So I went back to the dealership and they said over the phone it would be {$150.00} to diagnose but when I got there it was {$170.00} for 3 things he wasn't done telling me the different diagnosis the car needed because all of the codes that came up, I stopped him because I could not afford more than the {$170.00} he said it would be about {$1000.00} to diagnose my vehicle. I basically told the finance company that I can not do both pay for the vehicle repairs and car payments, I asked to please assist. the problem is I can not afford to get it diagnosed they also need it to be not drivable which it is, and the motor or transmission needs to be replaced. This is very unreasonable since the repairs so far is {$3200.00} The Estimate is {$1000.00} and the value of the car is {$4100.00} ... so far I have paid {$10000.00} the balance it {$17000.00} how does that make sense. XXXX XXXX XXXX XXXX
02/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 167XX	Web
On XX/XX/XXXX I purchased a used car with financing through American Credit Acceptance LLC. The purchase price was XXXX. I was led to believe I needed a bunch of add-ons in the amount of XXXX. The interest rate is 24.99 %. They told me not to be alarmed by those numbers. They said in a few months my credit would go up and I would be able to refinance at a better rate. I was XXXX years without credit so I believed them. My first payment of XXXX was due XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid XXXX. I relocated in XXXX from XXXX PA to XXXX PA because I got a new job. Technically my payment in XXXX was late because it was due on the XXXX. I contacted them in XXXX to make arrangements for payments until I could back on track after moving. They agreed. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. But they still kept charging me late fees. I kept sending them money but somehow the payments were still late. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. Today I called them again because they are still saying I am behind and still owe XXXX before I am caught up for XXXX. I asked them why the fees aren't coming off and I was told that I have to call to pay the fees separately. The fees are not deducted when I pay online. Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX I have overpaid XXXX. Yet they claim I still owe XXXX before I am current. So when I make another payment on XX/XX/XXXX, I will have overpaid XXXX. Even if I subtract XXXX for late fee for every month, that only amounts to XXXX. But as you can see, every time I was caught up ( several times ) according to their website I really wasn't because the fees were not included in the total due. It said my balance was XXXX in XXXX so that is what I paid. Same in XXXX Balance due was XXXX. I paid it. In the mean time, they keep reporting my payments as late to the credit bureau and my credit is much worse than it was before. This is so deceptive. This company is a complete scam and ripoff. They can't even explain to me where these fees are coming from. The people I speak to on the phone are foreign and there is a complete communication breakdown.
01/22/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 76513	Web
I purchased a XXXX XXXX XXXX from XXXX in XXXX, TX. To begin with, they sold me the 'wrong ' car. They filled out all the paperwork and went through the credit process and took my down payment, for the wrong car. They had me go through hours of hoops to now return this other car, so they may sell me the correct car. Not only did they tell me one price on the first set of paperwork, they came back with two different prices on th.e next set of paperwork. The amount changed several times over the course of the sale. Now, I have a higher interest rate, due to the fact I had an auto loan on my credit FOR A CAR I NEVER OWNED ( they one they sold me by mistake ) They also told me that the car I was purchasing had a clutch recall. After the sale was complete, their story changed, and they said the clutch was not under recall. I drove it off the lot and within days had to return it for the terrible alignment, and to have the off centered steering wheel - centered. The steering wheel was clearly offset / turned/set incorrectly, and the car was badly pulling to the left. The car also made a continuous burning rubber smell. They took it in and 'aligned ' it. The mechanic told my brother and me that the steering wheel just couldn't be centered on this vehicle due to something wrong with the front end, so it was offset to the left - whatever - i needed a vehicle. I drive it for about a week after that and notice that the headlights turn off / cut completely out when I roll/put the window down ( depressing the power window switch ). EVERY TIME I put the driver window down, the headlights went out. I called XXXX twice about this issue and the broken plastic pieces/arm rests, and door panels. NO ONE EVER CALLED ME BACK. Now, I have this XXXX with a permanently offset steering wheel, pulling to the left, and serious electrical issues. I drove the car for about two months, have made two payments, and last week the clutch 'went out'/the car broke down on XXXX XXXX around XXXX XXXX, leaving me stranded, unsafely on the shoulder. I have called XXXX twice in the last week, and have been ignored, and clearly shoved off about the matter. I tried to have them tow it, and use the roadside assistance that i pay for, but they continue to tell me that i need to be at the car and then call them back. NO ONE will help me. Now it is sitting in a tow yard/lot and I am being harassed about the vehicle sitting there and being billed for it. The car has a XXXX-mile warranty, and I have a {$23000.00} debt to American Credit Acceptance ( bank ) on a vehicle that wont drive. Thank you for your time and attention to this matter.
04/13/2023	No	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 282XX	Web
On XX/XX/XXXX, American Credit Acceptance voluntarily relinquished rights to the property and deleted the accounts associated with the account once held for the consumer in response to a correspondence sent to XXXX XXXX, then CEO of AMERICAN CREDIT ACCEPTANCE LLC, from the consumer for noncompliance and inaccurate reporting regarding the CARES Act : 15 USC 1681S-2 ( a ), 15 USC 1681S-2 ( b ), 15 USC 1681S-2 ( f ) ( 1 ), 15 USC 1681S-2 ( 2 ) and 15 USC 1681S-2 ( 3 ) on XXXX XXXX XXXX. North Carolina General Statues 44A-3 outlines that when property is voluntarily relinquished ( rights to collection have ceased or have been given up/ charged off ) the lien terminates and that reacquisition ( repossession ) of the property shall not reapply the lien and it [ the lien ] becomes unenforceable. 44A-3. When lien arises and terminates. Liens conferred under this Article arise only when the lienor acquires possession of the property and terminate and become unenforceable when the lienor voluntarily relinquishes the possession of the property upon which a lien might be claimed, or when an owner, his agent, a legal possessor or any other person having a security or other interest in the property tenders prior to sale the amount secured by the lien plus reasonable storage, boarding and other expenses incurred by the lienor. The reacquisition of possession of property voluntarily relinquished shall not reinstate the lien. Liens conferred under this Article do not terminate when the lienor involuntarily relinquishes the possession of the property. ( 1967, c. 1029, s. 1 ; 1991, c. 344, s. 3, c. 731, s. 2. ) AMERICAN CREDIT ACCEPTANCE LLC should and should've complied further to reflect the voluntary relinquishment, by removing the lien from the title of ownership however, AMERICAN CREDIT ACCEPTANCE , LLC. refused to do so against the consumer request and compliance to the statue upon voluntary deletion and relinquishment of the account. XX/XX/XXXX, the consumer learned that XXXX XXXX XXXX XXXX illegally " repossessed '' the vehicle described in the title of ownership belonging to the consumer allegedly under the orders of AMERICAN CREDIT ACCEPTANCE , LLC however, there was no repossession order reported to law enforcement nor a tow order which resulted in a larceny report on the vehicle reported by the consumer on XX/XX/XXXX. XXXX. After learning about XXXX XXXX XXXX XXXX and AMERICAN CREDIT ACCEPTANCE 's Illegal possession of the private personal property, I made demand for its appropriate return and they both declined and continued in possession of the property of the consumer.
04/04/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	OK 73112	Web
I had a low income & repairing my credit. I was looking for a used XXXX not to exceed XXXX sales price. I went to a dealership in Oklahoma, put cash down XXXX. At an interest of 21 % XXXX monthly payment for 72 months the loan. Ive purchased two vehicles at the price of XXXX before and done so successfully. Ive done extensive research into how to purchase a vehicle to best build my credit according to what my credit was, my plan was to refinance in a year. Ive fallen behind on payments due to XXXX I cant seam to get caught up. I set arrangements but continue to get harassed to repo my XXXX although there are notes regarding the plan to get caught up. Ive applied for small loans, payday loans and am denied, anything to get caught up so I dont loose my car as I am a single mom I need it to work. On top on that since XX/XX/2022 the car had not been running. Ive replaced alternators, batteries, grounding cables, etc. It is now misfiring and I can not put anymore money in it at the time so Ive been just paying XXXX to get back and forth to work and its extremely expensive. I was studying consumer law to see what I can do to help my credit and came across a lawsuit against the auto finance company I have my car through. The investors have sued this company and won. There is now a consumer call action lawsuit and the complaints worried me so I retried my initial agreement and After reviewing it saw there were about XXXX added other charges to the initial price I was not explained at purchasing. I also saw the finance charge is {$10000.00} with an finance amount of {$12000.00}. The total payments would cost XXXX and the total same price was now listed as {$24000.00}. Term is 72 months at XXXX. This vehicle year after doing research has extensive engine issues and XXXX is fighting against putting a recall on this year but are being brought to court due to the extensive issues resulting from the way the engine was built in this model. I say this because I cant afford to continue fixing a car that has hundreds of complaints of customers with the same issues that only worsen. Only to find that I cant refinance it, get a loan to get payments caught up, and am being charged {$24000.00} for a loan that the purchase information page of my agreement ( which is the only part my sales men explained ) reflects a total balance due of {$12000.00}. The interest is confusing. Im not sure what to do Ive never seen an issue like this to know how to look for it initially. I was hoping to build my credit but am now afraid of bankruptcy.
05/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60803	Web
On XXXX XXXX, 2023, I mailed a power of attorney to American Credit Acceptance , LLC and a letter expressing that I was the BENEFICIARY and or AGENT for the PRINCIPAL DEBTOR and I requested the CFO of American Credit Acceptance , LLC to transfer the credits from the Principal Balance to the Principal Account for Set Off on the Security Account being managed in Trust for the Principal Debtor and I was denied. American Credit Acceptance , LLC refuses my acceptance of the coupons and or bearer bonds and or presentments and or XXXX XXXX XXXX, denying my tender of payments and after numerous failed attempts to tender payment, I requested a payment investigation that I never received an answer for, so I also requested a Full Securitization Audit for my account, as well as the original contract and or Installment Loan and or Security Agreement between us with my wet ink signature, along with proof that my Original Promissory Note and or Security Agreement and or Installment Loan had not been securitized discharging all debt. Instead of American Credit Acceptance , LLC sending me the documents, they sent a letter stating that they deny my assertions yet never giving any rebuttal for my above demands. After this attempt, American Credit Acceptance , LLC hired a third party XXXX XXXX that I dont have a contract with, giving them my private source data information without my authority or the authority of the PRINCIPAL DEBTOR to repossess my vehicle against me asking them not to before I could receive information about my account for my accounting purposes in order to address payment issues. The repossession was a Breach of Peace because American Credit Acceptance , LLC, hired a third party repossession agency without giving me an Arbitration Order or Court Order and ( XXXX XXXX ) repossessed my vehicle after I asked the towing and or repossession employee not to take my vehicle because I had a public interest filed on the vehicle which is used for family and household purposes which will cause damages to my livelihood and the towing and or repossession employee hooked my car up to the tow truck and took my vehicle anyway and this took place at XXXX XXXX on XX/XX/2023 at my apartment in Illinois. I never surrendered my rights or interest in the vehicle, neither did I default in non payment because American Credit Acceptance , LLC has accepted multiple late payments for the Account in the past if that was the issue and I had a payment investigation in process before the repossession
01/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30324	Web
There are several billing errors in my contract. Under 15 USC 1640 Claim, you have failed to comply with these requirements and are in violation of these laws ( listed below ) : Plain Statement of Facts Fact, the Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, the Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. XXXX. Violation # XXXX - XXXX XXXX XXXX failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said agreement and contract as required by law in the Truth-in-Lending Act pursuant to 15 USC 6803. The law states I need to give written consent to give out my private information. It was sent to a third-party affiliate for approval, which is a violation because I didnt consent to it. The original lender willfully committed fraud of inducement in executing the contract through their lack of full disclosure. XXXX believes there is no proof to the contrary. XXXX. Violation # XXXX - XXXX XXXX XXXX brought forward and loaned its own 'CREDIT ' within the Transaction/Contract. Banks do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. XXXX believes there is no proof to the contrary, according to 16 CFR 433.1. The purchase money for the loan was already paid for when I put my signature on the documents. According to, 18 USC 8, all debts public or private are the obligation of the United States. XXXX. Violation # XXXX XXXX XXXX XXXX XXXX several violations : It wasnt a sum of all charges, my insurance is not included, and it was not cash in hand. Also, XXXX XXXX XXXX also violated my rights when they called me about the debt on several occasions, which under act 15 USC 1692 is a violation. XXXX. Violation # XXXX XXXX XXXX XXXX XXXX an illegal act under 15 USC 1605A by taking my {$10000.00} down payment on the car. It is against the law because this is a part of the finance charge. XXXX. Violation # XXXX XXXX XXXX XXXX committed an illegal act under 15 USC Code 1605 with the XXXX XXXX XXXX XXXX because it is NOT THE SUM OF ALL CHARGES and a finance charge can only be paid for money in hand. Under act 15 USC 1640 Relief, you are civically liable. 16 CFR 433.3 also states that only sellers that are exempt from these laws/codes if the consumer credit contract was written before XX/XX/1977.
12/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77551	Web
I've been calculating the total sun I've been paying with American Credit Acceptance since XX/XX/XXXX. I financed this vehicle in XXXX of XXXX. I've made on time payments up until XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX I've made lump sum amount to cover for my late payments, no including late fees. XX/XX/XXXX, I called the company and asked them how come none of the extra payments that I am making is going towards my late fees and will I be credit for the next making for making payments ahead. They told me that I have to call customer service for all of my late fee payments in the future and that I wasn't able to do that online. I wasn't aware of that rule, but on their website it states that : ACA applies your payments in the following order. Miscellaneous fees ( e.g., repossession fee ) if applicable Interest ( currently due ) Principal ( current and past due ) Fees ( e.g., late/NSF ) Remaining Principal So, when I was making large payments amount NONE of them were going towards my late fees whatsoever. Once I call the customer service and took care of it, which there is proof on my transaction history and on a recorded line, which they said they use when calling, it would say I made a payment of {$76.00} not including the {$6.00} fee they charge when making a payment. Till this day, I still owe them a late fee of {$75.00}. I called them about a month later asking why was I still being charge for a late fee when I've been making online payments on time since the beginning of the year. The customer service person told me that the payments I made didn't goes towards my late fee. It went towards my billing. I ask can the payment be reversed to my late payments and they said no but they can applied it to my billing the next time I pay. I didn't understand why my {$76.00} payment didn't go towards my late fee when I specifically called just for that payments to go there. Also, the first time I called they told me I had " one month free '' of payment for paying early meaning I didn't have to make a payments until XX/XX/XXXX which if you calculate the payments I made in total, {$6000.00}, to how much I am supposed to pay monthly, {$7400.00}, the difference of the payments are {$600.00}. I've asked where is my forwarding payments that I've made and they couldn't come up with a reasonable answer. I am still making my payments every two weeks and I will call them to do a final follow up on my account. Thank you for listening.
06/01/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95821	Web
I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about XX/XX/XXXX I purchased a car at the XXXX XXXX XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional XXXX dollars per month to use ). On XX/XX/XXXX I calle d American Credit Acceptance to ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number XXXX , was revoked in the State of California on XX/XX/XXXX ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.
12/27/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	TN 372XX	Web
I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. It was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested
05/04/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	TX 76048	Web
My name is XXXX XXXX, I recently applied for a car online at XXXX XXXX car dealership located in XXXX, tx. On XX/XX/XXXX I got a phone call that I was approved after sending all my documents need to their employee, XXXX. When I got there I was under the impression I had been approved for an XXXX XXXX but she had set me up with a completely different car. It was can 2011 red XXXX XXXX, but since I was having a hard time getting approved anywhere I went ahead and agreed. XXXX, had also told me told me she to needed 3 more cars to make her monthly sales and it was close to the last day of the month. I wasn't aloud to test drive or look inside the vehicle because they said the mechanic accidentally took the keys home with him. I agreed to a down payment of {$400.00} which I made 4 days later. We completed, signed, and recorded all the paper work needed and I left there with a loaner car that day and had it for about a week before they met me off the highway in XXXX XXXX, Texas. The car low tired pressure light was on as soon as I got in the vehicle. I called the leader that approved me, AMERICAN CREDIT ACCEPTANCE, to figure out how I make payments and they told me they need some more info from me for proof of employment so I sent all the necessary documents and they approved them, they told me to consult with the dealership about anything else. So I got in contact with XXXX and she told me I had to bring the car back on XX/XX/XXXX so I asked if I would get refunded my down payment and she told me yes if I brought it back that day they told me they could cut me a check. When I arrived there was no check and the finance dept had already left that day.Eventhough I had told her earlier when they were that I was coming but I has to drive 50 miles to get there. So we agreed to have it refunded back to the card the payment was made from, 2 days later after taking the car back. It has now been 2 weeks and the {$400.00} has still not been refunded after calling them several times. I have all the paperwork from the signed contract that stated I would a monthly payment of {$260.00} and that was approved. I am a single mom with 2 toddlers that have special needs and lives with my handicapped XXXX year old grandmother and feel like they have taken advantage of me. If someone could please help me get this situation resolved so maybe I can have a way to take care of my children and grandma and make sure they get the help they need as well.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 764XX	Web	Servicemember
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction \| U.S Code \| US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) 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 ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( AMERICAN CREDIT ACCEPTANCE XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 701XX	Web
XX/XX/2021 XXXX down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score 4000 invested with American Credit AcceptanceXXXX XXXX XXXX XXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX auto financing to American Credit Acceptance a supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a 130 point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company ACA used XXXX XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you Dealer fraud. I sent Cease and Desist through fax I want an Revoke Of Signature Right of Rescission Validation of debt, I asked months ago Affidavit of Truth. Per U.S. Federal Laws and Regulation TILA Violations noted FCRA Violations noted Improper use of credit reports violations noted 15 U.S.C 1611 violation 15 U.S.C 6802 violation 15 U.S.C 1692 violation 15 U.S.C 1681 violation Notice of Disposition required Under UCC 9-610 12 CFR
06/14/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	MD 20785	Web
I had a vehicle financed through American Credit Acceptance. I purchased vehicle in XXXX of XXXX. I have made on time payments for the past XXXX years. On XX/XX/XXXX, my vehicle was damaged and was determined to be a total loss. My wife spoke with a representative with American Credit Acceptance in regards to working with both our car insurance carrier and the company we purchased the car from. We were informed that the representative would work on our case and that we would be notified with a decision. We did not hear anything after that point. We are in the process of purchasing a home and on XX/XX/XXXX, we found out from our loan officer that American Credit Acceptance had posted a late payment on my credit report. I was shocked to learn that there was a remaining balance on my totaled vehicle and that a payment was delinquent. I had not been contacted with any of this information. My wife called American Credit Acceptance today ( XX/XX/XXXX ) explaining that we have made on time payments for 2 years and that we were unaware there was a balance owed. My wife requested that the late payment status be waived and removed from my credit report because we have always been on time with our payments. She made them aware that this late payment status was affecting our ability to close on our new home. My wife was told that there was nothing the company could do. The company stated a letter was sent on XX/XX/XXXX explaining there was still a balance. My wife let them know we had not received any letter. If we had, we would have made payments again. The representative for the company acknowledged that we had not received the letter and offered to have it emailed instead. She was then told that we could file a dispute with the credit bureau that could take XXXX business days to resolve. My wife told the representative that the time frame was too long, as we are closing on our new home at the end of the month. The representative stated there was nothing else the company could do. I feel we are being penalized because the company did not follow up with us about our total loss claim as promised. I have impeccable payment history with this company. The " late payment " status is a result of poor communication on behalf of American Credit Acceptance. This decision could jeopardize my family 's housing situation as we must leave our current residence by the end of the month ( XXXX XXXX ).
07/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AZ 85392	Web
I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.
03/22/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD XXXXX	Web
I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!
06/23/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 191XX	Web
Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.
01/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77005	Web	Servicemember
So I was driving and didnt stop and received a ticket and my car was towed. Fast forward went to court everything was dismissed. But during this who process my car was taking by the Loan company. I wasnt explain there was a clause in the contract for the to take the car if i was wreak less but I wasnt. So they took XXXX that was the down payment of the car hard me going back and forth with the Dealership and American Credit Acceptance. I was told by XXXX XXXX ID # XXXX and supervisor XXXX XXXX that a check on XX/XX/2023 and this XXXX on XX/XX/2023 i was told by the company we sent it out and its my fault I didnt receive it and oh it looks like it was cashed and this was XXXX that it was received. I told the person on the call it need to be fixed I havent lived at that address in almost XXXX XXXX. So in short I feel like i was violated by the XXXX XXXX and American Credit Acceptance . As demonstrated in EXHIBIT A, [ XXXX XXXX ] is a creditor as defined in 15 U.S.Code 1602 ( g ). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B. The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT C 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605 ( a ). " The finance charge does not include cash comparables. In this contract, the " down payment '' is demonstrated in EXHIBIT D as cash down payment. This is a violation of 15 U.S.Code 1640 ( a ) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. It is clear [ XXXX XXXX ] XXXX be held liable under criminal liability in the court of law in accordance with XXXX XXXX XXXX ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act. To remedy this situation I am requesting I request an immediate return of the down payment of my vehicle ] I only want communication from this point to be in writing unless you are calling to settle this matter outside of CFPB. Please cease and desist any other communication other than writing to me in regards to this matter
08/11/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27265	Web
I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. Sunday, XXXX XXXX, I had a missed call from them. On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.
12/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34746	Web
My name is XXXX XXXX. I got an auto loan for my XXXX XXXX XXXX on XXXX of XXXX in Atlanta. I have now transfered to Florida now that I have relocated. The orginal loan was for $ {$11000.00} at a 28 % interest rate and the bank I am with is American Credit Acceptance their website is https : //americancreditacceptance.com/. Their contact information is XXXX the addresses they have is American Credit Acceptance : XXXX XXXX XXXX XXXX XXXX, SC XXXX. When I got into this loan I was told the process of where my monthly payments would go. In my welome kit and on their website they said my payment of $ XXXX month will be applied in this order. Attached to this complaint will be that information. Here is it below : HOW PAYMENTS ARE APPLIED ACA applies your payments in the following order. 1. Miscellaneous fees ( repossession fee ) if applicable 2. Interest ( currently due ) 3. Principal ( current and past due ) 4. Fees ( late/NSF ) 5. Remaining Principal They have not been applying my money to my prinipal at all. They have skipped months only putting my payments in interest and nothing towards the principal if you look at the attached document they sent me of showing where my money is being applied. If you noticed they have skipped multple months in applying any money to my principal then when it is applied it is in different amounts. Everytime I call them I am given incorrect information on my loan. The last agent I spoke to told me my interest rate was {$8.00} no agent is capable of given the correct information and looking at how they have been applying money to my loan it literally looks like childplay. I have paid this company almost {$8000.00} on my {$11000.00} loan. After {$8000.00} and almost 2 years I am being told I am still at {$11000.00}. If you look at my documents to see my grand totals you will see that over {$6000.00} has gone to my interest payment and {$700.00} to the principal. Please I need justice I am a single mom and I have been working really hard to mantain XXXX car but this is not right and it seems very illegal. Please I need justice. I have spoken with the company and no solution has been offered. I have also filed a complaint with the XXXX This is my next step to getting justice now that they have sent me the proof of where they have actually been applying my money.
03/11/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32812	Web
on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28025	Web
Thank you for taking the time to review my credit file. I did not give permission to the following companies to pull my credit report. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
06/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 366XX	Web
Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind. You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution. Yours Truly, XXXX XXXX
08/08/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28273	Web	Servicemember
Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently processes automatic payment without my permission leading to extra fees being levied against accounts. Since there's no accountability for their misconduct or external recourse process for consumers - " No, there's no way for you to follow-up, it's an 'internal " process '' is the scripted response - and no policy to correct penalties caused by the actions of their staff, I'm filing complaints this complaint. On XX/XX/XXXX, I spoke to a representative at American Credit Acceptance to report an upcoming payment. When asked how I'd make the payment, I replied that & I would complete it manually on XX/XX/XXXX via their website 's payment portal ( XXXX '' ) which was my usual practice. A note in the account was supposed to contain this information. I called them on the XXXX to inform them that I was still awaiting a deposit toy account & ask for the date to be changed to the XXXX & was refused. I was then instructed to wait across the weekend for the deposit to arrive since it would be a minute before the accounts processed. I made a manual payment on XX/XX/2022 & noticed that there was a pending payment for XX/XX/XXXX. I immediately called & inquired why they processed an automatic payment when I explicitly told them I would pay manually via their payment portal. I was told that ALL payment arrangements have to be set for automatic draft. When I replied that their own agent asked HOW I'd like to pay, the representative got flustered. I restated that this transaction was done without my permission so I wanted to escalate to a supervisor and any penalties & fees caused by their employees ' actions should be removed, I was told that there was no supervisor, it was an " internal '' process, and no one would follow-up with me, leaving me no recourse. The only 'help ' I received was them telling me that since the transaction could not be stopped on their ( in spite ofnthe manual payment ), I should call my bank to see what they can do. Subsequently, they are still continuing to process the payment adding {$85.00} fees for each attempt. This is notntheb1st time this has occurred, but my first time seeking assistance from this agency, thank you.
06/25/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75181	Web
My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in XXXX 2014. In XXXX 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rather than pass due payments, which resulted in partial payments being applied and further delinquency ( we were totally lost and confused at this point ). From XXXX to XXXX several collection reps gave us different amonuts we needed to pay in order to become eligible for a XXXX month payment deferment. Each XXXX stating, '' Just pay this amount and we 'll get you deferred ''. Well after complying XXXX times, XXXX months and getting nowhere, we escalated to a supervisor in early XXXX. She apologized assured us that everything was okay and to make a {$420.00} payment through XXXX to stop the repossession status, call back immediately with the reference number and she would setup a XXXX month deferment to get us caught up. We went to the closest XXXX station inside our local XXXX immediately, made the payment and called back. Once again assured that everything was fine. We proceeded to get some things in XXXX and when we came out to get in the car, it was gone. We tried for months to get some help. The once courteous and optimistic Supervisor would not return our calls and no one would help us. We just received a collection notice advising that the vehicle was sold for XXXX and we owe them XXXX in remaining balance/fees. This company strung us along for several months and used unfair collection practices, like agreeing to false deferment options, to only collect payments and pinpoint our location to reposess our vehicle. As such, we would like to file a formal complaint against this finance company. This experience has been very stressful and put us in a very difficult situation. My husband did find work, but struggles everyday to get there. Please help us! Thanks
04/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77338	Web
Greetings, I Am A Victim of Predatory Lending Practice Involving American Credit Acceptance. I purchased this XXXX XXXX XXXX In XX/XX/XXXX for about XXXX I Was Not Aware that the vehicle was an Interest Bearing Loan. AS of today. I STILL Owe about XXXX which is way more than what I Paid for the Car. I was rushed through the closing process by the finance guy who was closing the deal. I was trying to read the documents. He rushed me through, he insisted that it could take all day if I tried to read all of the pages in the packet. At that time my Concern was the High Interest Rate. He reconfirmed the rate and advised that I could pay more to pay the loan off quicker. ( Thank XXXX I Inquired Months Later and RE-Confirmed the Paper Work Prior to Paying More. At That Point I Never Bothered About Paying More ) I Inquired about my balance and dissatisfactions several times about 16 months after the purchase in an Effort to pay the loan off sooner. I Also, Inquired and Expressed My Frustrations and Concerns On Another and Several Occasion. On Another Occasion I Experienced A Hardship and Asked for A Deferment Due COVID and Another Natural Disaster. They Escalated me to another department. I Informed Her Of My Concerns and the Hardship that I was having. She was No Help In Resolving My Concern As It Related to the Interest Bearing Loan. She Advised the Only Way I Could Get Assistance for a Deferment was if I Completed the Documents that she emailed to me which Included and Amendment Document to my Complaint Since I Brought My Concern to their Attention. ( I Would Like for That Recording to be Pulled and Reviewed which was the Same Day As the Conversation of me Expressing My Concerns and of the Deferment ) American Credit Acceptance Literally BULLIED ME! Into Signing the Deferment Document Along with ADDED Documents of my Complaint. SHAME ON THEM! In Good-Faith I Am Currently Paying This Loan In The Mist Of Me Being A Victim of UNFAIR HARSH LENDING PRACTICES. I Am A Woman of Character. I Believe In Paying My Bills On Time. Life Happens! When It Does Companies Should Not Be Allowed to Prey On People who are Dealing with Valid Hardships. Please Provide Me Guidance On Filing A Law Suit. Thanks. Prayerfully, XXXX XXXX XXXX XXXX
12/08/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	TX 77407	Web
I set up a payment arrangement 2 weeks prior & I paid my car note the same day It was repossessed unknowingly. When I inquired, I was advised there was no documentation.My main concern is the integrity, motive of all individuals that work for this organization, & the customer service is extremely poor. I was ordered to cancel my payment & pay again before my vehicle could be released. Prior to the balance being re-paid in full, I scheduled an appointment Per XXXX XXXX website to pick up my vehicle the next day. The repossession refused to release my Vehicle even after accepting payment. They then released my vehicle 3 days later & demanded I pay an additional {$370.00} for storage fees, because of their error. There was never a delay in my response and I was cooperative in the process of the recovery of my vehicle ; before, during and after work ; in which caused my mental health condition to worsen. I have recorded phone conversations and emails. I stayed in communication and was forced to pay additional charges and inconvenienced financially. I was verbally attacked and belittled by several individuals within the organization. Each time I request for management to pull a phone call and or review notes from what previous agent promised, their response was, they have no record of the information and refuse to assist professionally, and responsibly. They also wouldnt release my vehicle upon arrival until I signed a document ; confirming I received personal property. The same day, I immediately notified both the finance company American Credit Acceptance , XXXX XXXX & XXXX XXXX XXXX about the mechanical damages & visible damages to the body of my Vehicle. I then spoke with XXXX XXXX, who request I send in proof of repairs ( mechanical repairs ) & pictures of my Vehicle as proof my Vehicle was in good condition to be reimbursed. After receiving documentation of the condition of the Vehicle, she proceeded to rebuttal & make excuses why they were not paying for the damages they caused on my car & or the mechanical issues. All documentation & pictures were proof there were no issues with the vehicle both the body and mechanical. Since then Ive been paying out of my own pocket for the damages they caused.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23059	Web
In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that American Credit Acceptance company has refused to provide response to, ACA continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. ACA is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes ACA is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.
01/20/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75254	Web
i have been dealing with some financial set backs last couple months, losing work, missing more work due to catching XXXX and fraud with my bank accounts declining payments i made causing my checks to come back and the bank paying off another automatic payment instead of the ones i authorized first to pay causing me to get behind on multiple bills. My car payment being one of them. I have been on time with my payments evne a year on furlough from XX/XX/XXXX til i returned back to work on XX/XX/XXXX, i still made an effort and never got behind on my payments until now. Good thing is i will be caught up middle of XXXX next month. A problem is now due to the declined payments ( even though i had enought money in my account to cover it ) this company has blocked any payments from me using a checking account, debit or credit card. I had my Bank even do a bill pay and send them the money so i 100 % gets to them, but my bank sent the payment to me instead. Now this company wont take my payment over the phone, and i been trying to pay it all month and last week. they said i broke my arrangements, and I have to go to XXXX XXXX to pay it. I tried paying XXXX XXXX with my credit card today but my credit company wouldnt allow it. last couple months i have been approved for refinace though other leasing companies that both of them have my intrest rate dropping more than 11 % with payments dropping $ XXXX {$65.00} less a month. Due to XXXX and loss of work i just didnt think i should change things since i had been paying my car note and rent with my savings and early retirement i had taken out late XXXX to survive. i probably shouldve sent the car back then since i couldnt work and had no use for it. But, i dont want to mess my credit up since i worked hard to fix it and remain determined to get it up to a place i never had it before. I just want to make a payment today, or tomorrow. i also want to pay another monthly payment on the XXXX of this month.. that will be two months paid this month. After that i want to pay XXXX XXXX payment on the XXXX XXXX XXXX. But, will i be able to? will this company take a payment from me? I am begging them, just take my payments please.
09/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33023	Web
I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.
08/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90066	Web	Older American
I have been abused by American Credit Acceptance for years now... I have a XXXX XXXX XXXX..original sticker price approximately {$16000.00}. To date I've paid {$33000.00} at ( 28.24 % ) $ XXXX ... NOW they say I STILL have 29 more payments!! I have paid DOUBLE what the car 's original sticker price was and an outrageous 28.24 % rate. I have made payments on time ( 95 % early ) ... I am currently and in good standing... there has to be recognition that I have been deceived and preyed on by ACA... for the past 1 year and 5 months while on a LOA from work Managed to make every monthly payment on time and XXXX XXXX insurance each month whilst my car sat in driveway only used for local errands. I've read about lawsuit brought by New York attorneys on behalf of people who had American Credit Acceptance as their lien holder for car purchases... AND i have NOT found one person who's case/situation was worse than mine ... percentage rate at over 28 % and paid over {$33000.00} to date and STILL AMERICAN CREDIT ACCEPTANCE claims I have 29 MORE PAYMENTS! (???? ) Please please help... I have just returned to work a week ago... I have experienced great stress and financial hardship caused by American Credit Acceptance 's predatory, deceitful and purposeful in their pursuit of greed.I want to hold American Credit Acceptance accountable for the outrageous percentage rate purposefully and knowingly my monthly income was ignored and sales agent at XXXX said he 100 % could make a deal with car purchase. I strongly believe I have one of the worst cases as far as being taken advantage of in every way possible. I am disgusted and have had enough of financial abuse by ACA and want an attorney to bring a lawsuit against American Credit Acceptance for the years of deceit, contradictions in " absolute statements '' regarding payments made and total number of payments remaining. I have been deceived... given erroneous and contradictory statements given by supervisors at American Credit Acceptance I look forward to any advice or help from your firm or American Credit Acceptance must be held accountable for the predatory abuse on me. Please respond asap. Thank you and XXXX XXXX
11/16/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72032	Web
On XX/XX/XXXX, My XXXX XXXX XXXX XXXX opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before XXXX XXXX XXXX and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX that was wrongly taken out of my possession in XXXX from American Credit Acceptance. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost XXXX years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like American Credit Acceptance. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.
08/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 302XX	Web
I have asked for clarification with my contracts APR because my contract is not clear. On page one of the contract, it states that the APR is calculated on a yearly rate, but on page 3 of the contract it states that " We figure the Finance Charge on a daily basis at the annual percentage rate on the unpaid part of the amount finance. If this is so, this is contradictory, and or unclear, and would violate TILA, as it is not clear and concise. I have consistently asked for clarification on the calculation, as a simple email, or letter showing the calculation would suffice. The neglect of the provision on the calculation is part of a predatory practice, as the 28 percent was as well. As stated before, I was not well informed in my decision, and was supposed to be extended with information on my right to rescission, and was not. ACA has also stated that a customer transaction history can serve as a notarized account ledger, but they do not provide proof that is being sought. Beyond that, as ACA has noted, at the time of my original complaint, they were indeed the 3rd party. A third party I never signed a contract with. In my understanding of my installment contract, I was in agreement with XXXX XXXX, and I was under the belief that assigning the interest meant that a finance company would be handling the money, not that my car would be sold to American Credit Acceptance. This is why I continued to ask for my original creditor, or seller for communication and clarity on how the finance charge was calculated- to no avail as ACA refused to answer the sought after questions- 1 ) How to contact AutoNation as the information I had was incorrect. 2 ) Proof of Purchase through provision of the account ledger. American Credit Acceptance has also failed to respond to my request for arbitration and has instead notified me that they no longer own the account. I was only notified after they did an investigation. I was only notified because of my request for arbitration. According to the final paragraph in my RISC, I have a right to arbitration and feel as if they have continuously violated my right with not providing what I have rightfully asked for.
03/11/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	UT XXXXX	Web	Older American
XXXX Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. Here we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?
01/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 782XX	Web
I have tried to get refinancing with another lender but my XXXX situation is too poor. So then I was given option by the company that's trying to repossess the car to go to a local dealer and do a settlement/buy back and that the dealership could put me in another car with better monthly payments. I did that and the dealership did an appraisal and offered XXXX which is a lot better than the over XXXX I am arrears. I sent this offer to them. I waited to see what they thought. They obviously did not like the offer and I only learned that when I had to call. At first, they claimed that the offer was without pictures to show there were no damages on the body which seemed XXXX since a dealership would not offer that much if that was the case. I believe they just wanted pictures so they can located it and have it picked up! But I took the pictures and sent them and again nothing from them. After again calling them they claimed they accepted the offer and were sending me the agreement, etc and that I was to sign them. But all I ever got was another bill. I was fired and denied unemployment benefits in the most XXXX XXXX state that is Texas and it just got to a point I could no longer make the payments. I am working again but it will be a while before I can get caught up and them taking the car will not help. They claim that even if the car is picked up I am still responsible for payments and other charges which is extremely XXXX because if I have no car I can't get to work as a XXXX teacher where I am not at XXXX location all the time or even able to take numerous buses to get to an assignment or buses at all as certain areas in the district don't have bus routes. If I can't work I can't start making payments again which is all I am asking them ... to just a suspensions of the payments I missed and just pay what I can now and build up my credit so that maybe I can either refinance or take out a short term loan to make up the payments I missed. Now XXXX car sales say that the offer was proposed so long again that the process would have to be restarted and the amount lower thanks to their ( XXXX XXXX XXXX ) vicious tactic!
08/29/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28216	Web	Servicemember
On XX/XX/XXXX, American Credit Acceptance repossessed my XXXX XXXX XXXX. According to my records I am currently due for XX/XX/XXXX, and XX/XX/XXXX payment. I was given and approved for an ( 3 ) month extension in XXXX. I made the following payments : XX/XX/XXXX, XX/XX/XXXX, which was applied to the month of XXXX. I was going to pay the XXXX payment on XX/XX/XXXX. I called American Credit Acceptance to discuss my account and it was bought to my attention that the extension was never applied to my account. When I went into the borrower portal to check on my account, the transaction history is unavailable and the account is currently due for {$4400.00}. This information is not correct had the ( 3 ) month extension been applied to the account. I was told what was needed for a reinstatement which I do not have at this time. Also currently the interest rate is 20 % and I am still owe {$52000.00}, on this loan. American Credit acceptance never applied the extension and I have done everything to keep up with the payments. They never contacted me to let me know that the extension was never applied. The repossession occurred while taking my kids to their first day of school. The reinstatement department stated that someone from " upper management '' would be contacting me however, they did not explain why. Due to this misunderstanding we are without transportation, and we do not have a point of contact to get this matter resolved. American credit Acceptance has not been easy to work with and their total lack of communication has proven that they do not care or live up to the relief programs that they offer. I have attached all of the documentation that I received from American credit acceptance. According to my records we are due for XX/XX/XXXX, and XX/XX/XXXX, which would make us 29 days past due had the extension been applied to our account. We both signed electronically within the American Credit Acceptance system. We also paid the XXXX payment early as good faith towards the extension agreement. As you can see the payment was credited and then reversed, and then credited again on the same day.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation. In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
Complaint against XXXX XXXX for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with XXXX XXXX have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from XXXX XXXX in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to XXXX XXXX. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to XXXX XXXX and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.
07/12/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93933	Web	Servicemember
I bought my vehicle with XXXX in XXXX. We bought the car at our most desperate. We're a small veteran family and unfortunately didn't have the best credit. We ended up getting approved by America Credit Acceptance. We agreed to refinace the car so we don't end up paying an arm and leg with the interest rate. We hit a few bumps here and there and had to put a few payments on the back of the contract. In XX/XX/XXXX when COVID hit I XXXX out for the state on the frontline and despite being in chaos have made my payments .In XX/XX/XXXX, I made a total payment of {$2200.00} in 3 different payments to get current on my account. My payment with the company is {$830.00} I didn't miss any payments with the company since XX/XX/XXXX. I believed my payments were being applied to the loan amount. I decided to get a different car in XX/XX/XXXX and came to find I still owed a large sum. I decided to refinance the car but was declined because of the amount i still owed. I made the car payment before the 30 day. American Credit Acceptance reported my payments late. Keep in mind I am still XXXX at this moment so it's extremely frustrating asking to go make calls and sit on the phone 30-45 mins at a time to argue about a payment that was not late but was being reported late and hurting my credit. We were in the middle of trying to get qualified for a home loan and this was hurting our chance because despite not being late on any of our bills this was being reported late. My payoff quote as of now show XXXX. Less than 2 months ago my pay off quote was {$30000.00}. It seems like despite making the payments the amount seems to be increasing. Last month i paid {$870.00} when every month my payment has been XXXX for the last 2 years. This month again they are charging me XXXX with fees of {$81.00}. It seems like my monthly amount has increased and so has my pay off despite not being late on payments. By the time i finish paying off the car I would have paid almost {$60000.00} for a {$29000.00} car. I made a XXXX downpayment which is not showing on my transaction with the company.
07/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 19401	Web
I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.
05/31/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70126	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
10/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NE 68134	Web
This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.
07/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 323XX	Web
Consumer Financial Protection Bureau My Rights Have been Violated I extended credit to XXXX for a XXXX Vehicle which was done on a Retail Installment Contract in 2018. Studying Truth In Lending Act I now realized my rights have been violated and this has caused me financial stress as well as financial hardships. . This car dealership has taken my open-end credit utilizing my social security card and sold it to American Credit Acceptance . I am not a borrower, I am the Original Creditor and the Lender, and the dealer misled me to believe that they were extending me a line of credit as the borrower. My Security Interest secured this obligation even before the car was pulled off the lot. Pursuant to Us Code 1692 This retail Installment Contract is deceptive and unfair and operated under the FDCPA, this grave error has caused a financial burden on my family as well as my marital instability. American Credit Acceptance has allegedly obligated me to be responsible for this debt. The Cash Price of the Vehicle was {$19000.00} with fees associated increased to {$21000.00} with a cash down payment of {$1100.00}. I have made over {$19000.00} dollars and this company is requesting I continue to pay {$20000.00} more. I have received multiple calls and letters, and this has caused me complete embarrassment. Pursuant to FDCPA 1692 ( a ) ( 8 ) A Consumer has jurisdiction over everything. As Follows Pursuant to 15 USC 1692 d My Consumer rights cont. : to be violated, A debt collector in collecting a debt, may not harass, oppress, or abuse any person 1.Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 2. The use of Obscene, Profane, or other language that abuses the hearer or reader 3. Annoy, abuse or harass persons by repeatedly calling their telephone number or allowing their telephones to ring continually. These are just a few Violations of my Consumer rights. In Closing Thank you for taking the time to read my request.
02/13/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CO 80231	Web
I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.
05/01/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23059	Web
I recently uncovered that AMERICAN CREDIT ACCEPTANCE continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to case further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by American Credit Acceptance each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, American Credit Acceptance began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 956XX	Web
My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX American Credit Acceptance. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. American Credit Acceptance has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to American Credit Acceptance and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
05/17/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 50208	Web
on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXXXXXX auto sales in XXXX XXXX Iowa. on or about XX/XX/XXXX the XXXX XXXX XXXX was repossessed by American credit acceptance and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least 100 points when no debt is even owed. ( a total of 83 times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. then on XX/XX/XXXX, XXXX XXXX XXXX filed suit against me and my domestic partner in the 5th Circuit district court in XXXX XXXX Iowa. after answering this suit and my Domestic partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite . it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call. I promptly filed a motion to dismiss as no debt was owed hearing was granted after XXXXXXXX XXXX XXXX were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77449	Web
This complaint is to inform the CFPB that my privacy is being violated by this lender. I previously notified the company that I was invoking XXXX Form of opt out notice to consumers ; opt out methods. As of today, the company has been evasive in complying with my notarized affidavit. My time is valuable. And the law requires a lender to comply within ten business days after receiving this notice. Included in this letter is a copy of the document they received on the 2nd of XXXX. Sent to their post office box via XXXX XXXX XXXX XXXX I have tried to deal with this matter with civility. But this company has failed to provide a reasonable means for me to opt out. I am left with no other choice but to exercise my right under section iii ( A ) of this law. Which states The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right. And use the resources provided by the Consumer Financial Protection Bureau. The law all financial institutions must abide by ; ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; So consider this my official opt out notice. This does not require a 60 day investigation. Please be aware, the law also requires you to accept an opt out direction from the consumer. And honor the request within 10 business days. You can not require the recipient to give you any personally identifying information beyond an email address, or make the consumer take any step other than sending a reply email or visiting a single page on your website as a condition for honoring an opt-out request. This letter is not a request for a sixty day investigation. A simple compliance with my request for privacy will suffice. And lastly, non compliance with a consumers right to privacy is subject to a civil penalty of no more than {$100000.00} for each violation.
10/09/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 77373	Web
I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan XXXX XXXX XXXX XXXX XXXX ACA XXXX XXXX XXXX XXXX ) that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score. Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX XXXX Upon receiving it, I realized the loan was upside down. 2. I took steps to resolve the debt by voluntarily surrendering the car for repossession. 3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car. This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved. - Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it. - Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about. These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. Sincerely, XXXX XXXX
05/10/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32244	Web
I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
05/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 77379	Web
I purchased a XXXX XXXX XXXX on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX. The car cost {$15000.00} and I was charged $! XXXX for taxes and a {$150.00} admin charge. That total came up to {$17000.00}. I put {$3000.00} down on the vehicle and the price dropped to {$14000.00}. This should have been the amount that I financed for the vehicle. The actual amount that I ended up financing was {$17000.00}. I guess they included the license and registration fee. The cost to finance my car came out to {$19000.00}. The finance charge was XXXX XXXX My total of payments came to {$36000.00}. {$3000.00} ( my down payment ) was added on to that making the total sale price of the car {$39000.00} for a XXXX XXXX XXXX with over XXXX miles on it. My payments were suppose to be {$500.00} for 72 months with the first payment beginning XX/XX/2020. After making over two years worth of payments, I now realize that I will never pay this car off because all of the payments are going toward the interest that continues to accumulate. I was supposed to try and get the car refinanced after the first year, but the car loan itself is so bad that I could not find a financial institution willing to refinance my car. I have paid over {$3000.00} in repairs for my vehicle and it still has a mechanical problem. Sometimes, the car just won't start. It has the auto-shut-off-auto-start feature and it seems to have a computer problem. I only take my car to the dealership and they are not sure what's wrong with it. The principle balance on my car is currently {$17000.00}. Remember, it started out at {$17000.00}. I contacted the finance company concerning this matter to see if I can get the interest rate adjusted, but they just told me that the payments will basically adjust themselves. I don't see how. I see no end to this. This car loan has negatively affected my credit, even when I had made my payments on time because of the continued high principle that never went down from {$17000.00}.
09/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 701XX	Web
XX/XX/2021 XXXX down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score XXXX invested with American Credit Acceptance.XXXX XXXX XXXX XXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX XXXX XXXX to American Credit Acceptance a supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a XXXX point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company XXXX XXXX XXXX XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you
09/20/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 77373	Web
I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score. Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX business. Upon receiving it, I realized the loan was upside down. 2. I took steps to resolve the debt by voluntarily surrendering the car for repossession. 3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car. This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved. - Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it. - Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about. These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. Sincerely, XXXX XXXX
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91950	Web	Servicemember
On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : American Credit Acceptance account was closed - Between XX/XX/2023, and XX/XX/2023, your American Credit Acceptance automotive account appears to have been closed. Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. Contact for American Credit Acceptance : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33174	Web
I arrived in the United States in XX/XX/XXXX, and I bought my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, financing it at 20 % interest. They told me that they would report my payments to the credit bureaus to help me build my credit. After two months, my payments were not showing up on any credit report, so I went to the dealer to complain. The following month, I found out that my loan had been sold to American Credit Acceptance. They called me and said that they would report my credit, but I needed to make three months of payments with them before they could do so. In XX/XX/XXXX, I called American Credit Acceptance because my monthly payments were still not showing up on my credit report, and they had not reported anything. They told me that it would be reported in 10 days. After 20 days, I called them again because my payments were still not showing up on my credit report, and they said that they had filed a dispute with XXXX and that it would take 3-4 days. I called XXXX, and they said that they had not received any report from American Credit Acceptance. A week later, I called American Credit Acceptance again, and they said that they would not report my account due to limitations in their system ( which they did not explain ). I have been paying 20 % interest on my car since XX/XX/XXXX, and they are not even reporting my payments to the credit bureaus. They told me that the only option I have is to refinance, but I have been paying them for 7 months, and they have been lying to me and keeping my money without even reporting it. I am filing this complaint for their bad practice, the lies they told me, and the time wasted. Currently, I have four accounts in my credit, not including the car because it has not been reported. I have a XXXX on XXXX score and XXXX on XXXX XXXX score. I opened my oldest account in XXXX with XXXX Bank, and now I also have an account with XXXX and four credit cards.
09/26/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
02/17/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89115	Web
* XX/XX/XXXX - primary borrow ( finance was murder and all her money that she just obtained to pay this up came up missing. Notified lender same week. Thats when they advised I can do an extension if I paid 700 and produced a death certificate of the primary borrow ( melynda bown ) could not obtain the document. Kept calling lender to see if there was any other documentation I can provide proving her death. The told me the account was on hold. Had me assuming they are pausing the charge off *involved in accident on XX/XX/XXXX. Reported claim to insurance same day. Insurance company XXXX XXXX XXXX XXXX contemplated total loss all the way up until first week of XXXX. There was a delay in the claim leaving me uncertain about when they will pay the loan. They took 2 months to open and XXXX this case. And there was no valid reason why it took that long they just werent doing their job. My car was charged off in the middle of the claim and in the middle of an exstension / hood amaerican credit promised me that they did not apply to my account. They didnt tell me my account was a charged off until XX/XX/XXXX. 10 days later and when I asked why I wasnt informed so that I can prevent it I was told they did not have to tell me that information. I have no problem with paying the remaining balance but I was not allowed a fair chance to make this right after the primary died. I was doing bad at the time after catching XXXX and getting laid off 30 days. I tried to do everything I can to make things right. Please help me. American credit Acceptance abounded me and my insurance company ( XXXX XXXX ) strung me along for 2 months. Im only disputing the charge off. Yes American credit Acceptance will show u documents but they are not telling the whole truth. Its not fair that companies get to lie like this. I have never filed a credit dispute up until now. This is important because its the truth
07/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60629	Web
On XXXX XXXX I had purchased a used XXXX XXXX XXXX at XXXX. When I was at XXXX I was told that Ill be able to refinance my vehicle after a year of having the car if I choose American Credit Acceptance. So I decided that it was a good idea for the XXXX XXXX being my first car. I have been having problems with the car such as the car spinning out of control and also the car had problems starting and also the pipe under my car busted, when I took the car to XXXX they told me that it was nothing they can do about it which resulted to me having to come out of pocket for a new pipe and also I had to buy a new battery when I was told the battery that come in the car was just replaced and new. I also had XXXX care where if its anything wrong with the car I can go to them for service but I never was able to use my XXXX care do to them refusing to help me with the problems the car had, the only thing that XXXX was able to refund was the pipe. Now with American Credit acceptance I was able to pay for the car until XXXX came about i lost my job and I had to start job hopping and I wasnt able to pay the car note so I called American Credit Acceptance and they told me that I wasnt able to refinance my vehicle so I was having trouble paying my car note and any money I came across I was giving it to them the best I can. On XXXX XXXX I was on the express way and my car spin out of control I informed American Credit Acceptance and XXXX to let them know what happen and I couldnt get any help from either company. I tried to pause payments due to the car not being able to drive and I was also denied that, I asked American Credit Acceptance if I was on any list of getting my car taken and I was told no just for them to come pick up the car the next day I also made an appointment at XXXX XXXX to see if they can help me with the car but I wasnt able to get there due to them coming to get the car.
08/26/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	KY 40216	Web
I noticed a XXXX XXXX on the XXXXXXXX XXXX website. I called and thry told me they had it and ran my credit. They then called back and said the XXXX was gone and but i had been approved for a XXXX XXXX. This is when they performed a bait and switch on me. I decided to purchase it but i told them i wanted a warranty that covered 100 percent of future costs. I asked if the car had check engine lights and had been serviced. The salesmen XXXX XXXX stated the car was great and had no problems, no check engine lights and had been serviced. I had my wife wire {$10000.00} for the down payment. He sakd the warranty covered all future repairs after i received the car for four months. I asked for the warranty but he didnt send it. When i received on XX/XX/XXXX the car it immediately ran hot.within 90.feet of driving it and their was a.check engine light. The car was not drivable nor operable. I called XXXX the salesmen he told me to drive it to a mechanic. I towed it to XXXX who told me the rapairs but told me they couldnt fit it. I then towed it to an ase ceritied mechanic. I received i called the car lot and spoke with XXXX and told her i wanted to return it on XX/XX/. And told her about the car. She said send her the bill. XXXX said the carlot would pay for it. XXXX a representative at XXXX then said she would have a salesmen call me. They nevwr did. I called but the XXXX dealership kept sending my calls to voicemail and refused to return a call or email.they refuaed to tale the car back. I later recieved the warranty i formation and found out the warranty only covered 3 percent of the {$8000.00} in repairs. I towed the car home. I then complained to my bank American credit acceptance phone number XXXX XXXX XXXX who informed me the XXXX XXXX had falsified the condition of the car in order to receivd the loan. They told mr call back in a few.days.and im waiting to call back.
08/05/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78245	Web
I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.
09/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33417	Web
I am being harassed by this company I am finally over it. How dare they call me last night @ XXXX XXXX and then again this morning within the first 15 mins of opening the phone lines! I was on the phone SPEAKING to a rep that's after dialing a bunch of numbers and putting in info to ID me when someone gets on the line. I was speaking to her around XXXX XXXX so one of the first calls they make this morning and one of the last calls made last night. I do not care that it was a dialer. They should have systems in place to make sure there is no chance of harassment on their end. XXXX, the manager I spoke to -- tried to intimated me instead of simply apologizing for being annoying on their end ... .. I am 77 DAYS PAST DUE -- on the phone call this morning regarding their harassment and notifying them I was writing a complaint to prevent this from happening again -- she goes on to try and convince me that I am at risk for REPO AT THIS VERY MOMENT when that is incorrect ... I am at risk for repo at 90 days. I have already told them I would be making an extra payment in XXXX when I make my normal monthly payment on the XXXX of every month. I work for the XXXX XXXX so I did not pay for XXXX or XXXX BUT I did make a payment in XXXX and I will continue to pay in XXXX on my normal due date now that XXXX is back in session. I got offered a deffered payment in XXXX, so she is trying to make it - make sense by explaining that I am a " certain amount of payments behind '' so she is continuing to lie or to mislead me into doing what she wants me to do. I am OK and I am safe and they can't repo it because I am in all actuality only 2 payments behind they cant take it away because of the deferment. HOW DARE SHE!! She is trying to manipulate the convo and convince of something that is completely inaccurate. And this is the manager? Please help!
03/31/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	MN 55412	Web
On XX/XX/XXXX I was involved in a car accident and my vehicle that I was still financing was totaled out. Called the finance company let them know and gave them all the information for my claim. I had full coverage insurance on the vehicle but not GAP insurance. Called the finance company to check and see if they received the check from the insurance claim and they stated they hadn't in XX/XX/XXXX. I spoke to a Supervisor in XX/XX/XXXX stated to call the insurance company and have them trace the check. Checked with the insurance who sent me a letter stating the check had been cashed. Gave the correspondence to the Supervisor who stated that the check was in another account in a different state with their company cause no account number was on the check. Supervisor stated once they found the check they would add the funds to my balance and close the account so we could settle the remaining amount. Called back every month until XX/XX/XXXX and was told by a rep they had received the check back in XX/XX/XXXX. They continued to report the account as past due and sent me emails stating that I was up for repossession of a vehicle I no longer have. I called and asked for a supervisor in XX/XX/XXXX to see why the account hasn't been closed and why they had still been billing me since the vehicle was reported totaled. They stated there was nothing they could do and they were going to continue to bill me instead of calculating my final balance so we could settle. I had a warranty on the vehicle through the finance company as well and they never credited that to the balance as they stated. This has caused my credit to decrease and represents a negative report. I have disputed this with all 3 credit bureaus but nothing has changed. They are stating I owe them over {$10000.00} which is not correct. I will never lease with American Credit Acceptance.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60025	Web
On XX/XX/XXXX it came to my attention that an incorrect/erroneous entry had been reported onto my credit report by American Credit Acceptance causing my credit to drop over 110 points over night. I was in the process of seeking financing for a house which consequently caused my financing to be denied. I contacted American Credit Acceptance to bring this to their attention. While recognizing it was their error, they informed me there was nothing they could do. I have documentation demonstrating the account was closed on XX/XX/XXXX. American Credit Acceptance said it was a glitch only with XXXX XXXX only for me to find out a month later that it was in fact on all of the credit bureaus. I contacted American Credit Acceptance again. They apologized and said they would fix it. I requested a letter that I could provide to my financing company and they said no, they could NOT provide a letter. I spoke with a supervisor and was told again that they could not provide a letter. I told the supervisor that I would be seeking legal compensation for the damage they had caused me and my family. It was then that they were suddenly able to provide the letter/document which I have on record. My credit report remains unchanged. I filed a complaint with the XXXX XXXX XXXX approximately a week ago. A representative from American Credit Acceptance contacted me several days ago letting me know she would be beginning an investigation. She called me back this morning ( XX/XX/21 ) letting me know AGAIN that there was nothing they could do, it was NOT their responsibility and that my account was showing open. She furthermore told my that the documentation I had, an XXXX report showing the account as closed and the negative remark did not prove anything. I lost financing for a house for me and my family due to their error and the refusal to correct it.
09/24/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MD 21207	Web
I financed a XXXX XXXX XXXX from American Credit Acceptance. Unfortunately, my unemployment ended in XXXX and I was unable to maintain the payments ( after never missing any payments ). My car was repossessed on XX/XX/XXXX ; this occurred during the Pandemic when the governor announced no vehicles could be repossessed and no tenants could be evicted. When I contacted the company I was not advised I was at risk for repossession. I never received a letter in the mail the car was at risk of being repossessed. The letter I received came after the car was repossessed. The people stole my babies milk out of the car and my tennis shoes. I submitted a letter to your company about this but it was lost unfortunately. I have receipt you received my information; when I followed up it was not in your system. The Department of Motor Vehicles has a flag on my registration for driving with no insurance since XXXX. I have asked this company repeatedly to update the information with the motor vehicles and as of the today they still have not. I am facing a {$1900.00} fine. My uncle donated a car to me ; I have to give it back because it is taking so much to update the system. I found a document dated XXXX showing my car was repossessed because I missed XXXX payment. The motor vehicles said the document has to specifically say the car was repossessed on XXXX. I have contacted American Credit Acceptance 5 times for this document ( through phone call and chat ). They keep sending a document showing a sale date for XXXX. I'm not sure if the repossession was legal ; however, updating the information with the proper systems should not be this much of a hassle. I have a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX who is a XXXX in XXXX XXXX I do not have the time to babysit a company to do there job. Not to mention I need a vehicle.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85260	Web	Servicemember
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX XXXX - never had a charge off account American Credit Acceptance - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
12/29/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 20705	Web
During my period of unemployment, I contacted a my financial counselor for assistance with revising my household budget during my period of unemployment, the counselor and I contacted ACA on three different occasions ( XX/XX/XXXX, XXXX and XXXX ) with requests for a lower monthly payment arrangement based on my lower monthly household income. Each time, we were told that the company 's policy do not consider, refinance or re-structure of loans and I would have to send them {$1000.00} or pay all past due payments ( 3 months ) including late fees before my loan can be considered for a work-out which included adding the missed payments ( {$1300.00} plus late fees ) to the back of the loan, further increasing the loan balance to {$17000.00} while my car holds a current book value of {$4500.00}. Then they would reduce the monthly payments only for XXXX, XXXX and XX/XX/2021 by 25 % from {$440.00} to {$330.00}. I was also advised by one of the representatives at ACA that I should consider borrowing the {$1000.00} to send to ACA to bring my account current, only then would I be considered for a " work out '' plan. I thought that was very bad advice and showed an unwillingness to acknowledge my serious financial position as a single father with XXXX children XXXX and XXXX years old. During my conversation with ACA on the XXXX, I was assured that the company has no interest in repossessing my car since I need it for going to and from work. However, following the call on XX/XX/XXXX I received two notices by text and email that my car has been placed for re-possession. I do not know where else to turn for help in this pandemic, so I'm filing this complaint because ACA shows an inability to consider my ongoing financial hardship but instead increasing my liability and pushing me closer to bankruptcy or homelessness.
09/29/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 293XX	Web
Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX
05/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32003	Web	Servicemember
I took out a used auto loan with American Credit Acceptance LLC in XX/XX/2015. The interest rate was very high but I had terrible credit due to a divorce and bankruptcy so I was alright with that. I set up auto pay for my monthly payments which were due on the XXXX of each month. Almost immediately each statement reflected late charges and additional fees not to mention the interest charged was most times twice what was applied to the principle. This continued on for about a year and suddenly my statements only showed my payments being applied to interest only. I even paid well above the minimum payment for several months but it never went to the principle. I contacted ACA a few times but was never given a good explanation why this was happening and why the late/additional fees. I continued to make my payments for approximately another 3 1/2 years and gained very little ground on the principle. I lost my job and could no longer make payments but the vehicle should have been paid off by then. I received a repo intent letter and I jumped through hoops and was able to convince a family member to help me out with a settlement. I contacted ACA and made a fair pay off offer but they refused it. Covid hit and ACA had to pull back on the repo but they still contend that the only way I can get the title is to pay off the existing balance including all the late/additional fees that has accrued since this all began. The balance payoff is nearly as much now as the original cost of the vehicle. As soon as the Covid crisis is over and they can legally come after my vehicle they will initiate another repo attempt. I have already paid thousands of dollars over the original price and I feel that this company is heartless and predatory in nature and someone needs to stop them from continuing this way.
07/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60438	Web
On XX/XX/2023 The principal/consumer purchase a contract for a vehicle from XXXX and a check was tendered on behalf of the principal XXXX XXXX XXXX for the purchase. The principal also reserves all its rights, titles, security interest and interest and cant be denied his rights per state and federal law to all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer or business transaction. Pursuant to the 15 U.S. Code 1605 - Determination of finance charge is the sum of all charges. I have given and are giving further notice that I did not waive my right or opt out of my rights per state and federal law of all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer transaction. On XX/XX/2023 XXXX turned over my check to American Credit Acceptance which is indeed an error as XXXX XXXX XXXX is holder in due course the check should be tendered for accord and satisfaction of the principal performance. I have attached the return and refund notice made out by XXXX of the refund check of ( {$23000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX being sent to American Credit Finance when it should have been tendered to the principal XXXX XXXX XXXX. The principal has given collateral but hasnt received any value for all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest of the contract and consumer transaction. XXXX and American Credit Acceptance are in violations of ( 815 ILCS 505/ ) Consumer Fraud and Deceptive Business Practices Act. ( The Federal Trade Commission Act, The Consumer Financial Protection Act, The Truth in Lending Act, 12 CFR 1026.2 and The Uniform Commercial Code all governed my state and federal law.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
10/19/2023	No	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	TX 78728	Web
I bought a used XXXX XXXX when I was XXXX XXXX XXXX. I had little credit and had been denied over and over again and I was desperate. The sticker price of the vehicle was {$13000.00} give or take and I barely got approved but never the less was approved by American Credit Acceptance. I was young, I had been in the dealership for nearly ten hours, and I felt like I had no choice but to accept. I was told my monthly payments which were technically within the budget I had naively set for myself and I was rushed through the paperwork so as not to dwell on that fact that not only was I sold an extortionate service contract I didn't ask for but that I would be signing for 26.6 % apr and it would cost me $ XXXX should I pay the loan as intended. ( Not that anyone every expected me to get that for or cared whether I could ) At the time I was making $ XXXX plus miniscule tips and it was immediately apparent I could barely afford this vehicle. I've since gotten better jobs and struggled with this XXXX car for nearly 3 years, earning myself XX/XX/XXXX of dollars in late fees and paying nearly the entire sticker price of the car in interest without touching the principle balance. I couldn't afford to insure it, I couldn't afford to maintain it, it's currently dead outside my house and I'm about to surrender it to ACA but I know they're going to sell it for {$3000.00} and come chasing me down for the deficiency and I've had it. I should've never been offered this loan and it's criminal nickel and dime me three years later having already collected the entire value of the vehicle from me and still demanding an additional {$17000.00}. I made a mistake and I learned the hard way. I shouldn't have to pay for it for the next half a decade. American Credit Acceptance should drown in their debt.
04/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23320	Web
American Credit Acceptance has repeatedly denied me a lower monthly payment even in the face of extreme hardships. They reverse my monthly payment of {$460.00} & its given towards the interest of the loan. Plus they add extra fees every month and before I lost my job I was paying my monthly payments on time & the company never reported it to the credit bureaus but since my payments have been late, they report it every month!! I put {$7900.00} down on this {$20000.00} car and have paid over {$10000.00} towards my car yet I owe more money than I did when I purchased the car!! I owe {$17000.00} as of XXXX XXXX!! Some of my payments I made have been stolen and theres no accountability for the blatant disregard of fraud!!! The site clearly states if your experiencing hardships they will help you but I dont qualify even when the car loan wasnt past due, I didnt qualify!! This financial institution has royally ripped me off!! How can I owe over {$17000.00} after 2 years of payments in the amount of {$460.00}?! Its a complete disregard when Im diligently trying to make a payment and pleading for a lower monthly payment and denied!!! The company repossessed my car on XXXX XXXX & after I paid all the fees plus the outlandish towing fees I couldnt pick my car up for an additional 4 days plus American Credit Acceptance is acutely aware when the car was towed off the property but states my car was towed on XX/XX/21!! The shady financial company & towing service are corrupt!!! They refused to rectify the false information!! I filed a police report the night my car was towed and sent the report to the financial institution plus the towing company and both companies refuse to make the corrections!!! Incomprehensible at the level of fabricating information these companies have displayed!!!!
12/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I have tried to fix this problem several times with ACA. they have a inquiry on my report on XX/XX/2020 to mu knowledge i didnt give them permossion. When i realized it i reached out thinking this company is upholding the law. I quickly found out otherwise. I did my research many complaints paints them as a bottom feeder type company. They had no permissible purpose. The answer to my question of validation and verification when raised is that. Another company sent over my name and social seeking credit on my behalf.Why would i go to a 3rd party to obtain more inquiries when i can go to them mysel? I never allow anyone to do for me what i can do for myself. ACA believes by brushing me off they will rid themselves of me. No i will not go away until this fraudulent act is justified. I intend to seek remedies that has been set forth to help us from predators like this. I have no knowledge of this i believe the burden of proof is on them to prove that is actually did that. I've been waiting for a answer to no avail. I called them on The phone, they diverted me to their website. I went to website, no place to dispute anything. This inquiry is not mine. I do not want the generic answer which i will attach to this complaint. The generic answer in response to validation and verification with wet ink signature. Dont i have the right to ask that? Being as though 60 % + credit reports have errors fraud or mistakes. I want proof from your company ACA AND I WANT PROOF FROM TRANSUNION ON WHY THEY ALLOW THIS UNETHICAL COMPANY TO HURT GOOD PEOPLES LIVES THAT WORKS HARD? IT'S A SHAME! A SCAM!. IF I GO TO ONE COMPANY THEY CAN ALL SHARE MY INFORMATION WITHOUT MY CONSENT? AND IF NOT WHY WHEN I POINT IT OUT IT'S NOT IMMEDIATELY CORRECTED IF ACA AND XX/XX/XXXX IS HERE TO REPORT ACCURATE DATA?
02/07/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33312	Web
I purchase a car in late XXXX through a dealership here in XXXX Florida. At the time my credit was not great, and they claimed the only lender that would finance me was American Credit Acceptance. I realize now, that this probably was not true but the finance manager made the biggest commission getting me to take this loan. The car has been nothing but problems, a COMPLETE lemon. That really is on me for not having it checked independently but the dealership made me wait while the bank " inspected '' the car. Clearly they did not as I have put over {$5000.00} in repairs and have another $ XXXX {$2000.00} to go before it is fully repaired. Anyway, that is a bit off topic but does tie in to my current predicament. My original loan agreement stated that the interest rate was 29.32 %. I expressed concern to ACA over this and now it shows only that my rate s 28 %, though my payment has not changed XXXX cent. I know the difference of XXXX and XXXX third points will not make a big difference but it has not changed at all. Also, I borrowed approx. XXXX. I do not know the exact amount but I have been paying them nearly {$600.00} a month ( with the exception of one month I made payment arrangements due to having the car in the shop AGAIN ) and last month which I have made arrangements to pay later this month. Well, all these payment were made and my balance has gone down less than a thousand dollars. From XXXX of XXXX until today I have paid them {$4900.00} and they have only applied {$730.00} of this towards my principal balance. Additionally, I attempted to do the math and if I were to keep this loan until paid off I will pay {$20000.00} in interest on a loan of less than {$18000.00}. I have reviewed Florida 's statutes regarding auto loans and I believe this to be usury.
10/19/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75154	Web
AMERICAN CREDIT ACCEPTANCE has committed FDCPA violations, Aggravated Identity theft and TCPA violations against me, the consumer. AGGREVATED IDENTITY THEFT : ACA created an account using private non public information of the consumer without a legally binding contract between the consumer and ACA or proof of contract between ACA and the original creditor. That's also a violation of the Privacy Act of 1974. Per ACA 's response on a previous CFPB complaint ( complaint id # XXXX ) dated XX/XX/XXXX, it was stated that ACA alleged " The contract was transferred to ACA on XX/XX/XXXX. '' My XXXX XXXX credit file dated XX/XX/XXXX shows ACA checked my credit 5 times on two separate dates starting on XX/XX/XXXX under false and misleading permissible purpose for a credit application. I have never applied for credit or completed a credit application with ACA and would like to be provided a copy if they can produce it. TCPA and FDCPA VIOLATIONS : XX/XX/XXXX I sent a letter to ACA to cease and desist attempting to collect a debt until they validate. I have a returned receipt from XXXX that shows it was received by ACA on XX/XX/XXXX. Since then, I received 8 calls violating the TCPA and the FDCPA codes 15 USC 1692d ( 5 ), 15 USC 1692c ( a ) 1, 15 USC 1692c ( c ). A letter dated XX/XX/XXXX from ACA 's chief servicing officer XXXX XXXX, further violating my cease and desist ( 15 USC 1692c ( c ) ) by not providing validation in that letter, also violated 15 USC 1692d ( 2 ) alleging a debt was owed and need to paid, 15 USC 1692e ( 4 ) threatening to seize vehicle, and 15 USC 1692e ( 8 ) threatened to defame the consumer by reporting this fraud to the consumer reporting agencies. Validation was never received. ACA just sent the account back to the original creditor.
11/14/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NC 27529	Web
I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.
03/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27295	Web	Servicemember
I have had issues with a car I purchased ( buyer said car was like new and turns out it has been wrecked several times ) and the dealer agreed to buy the car back. Ive had the loan for 14 months, initially borrowing {$16000.00}. When I called to get payoff on it 3 days ago so that the dealer could buy it back, they told me payoff was {$17000.00} Initially when I started the loan with XXXX XXXX, my payments were {$390.00} a month. After ACA took over, they called and told me my payments had dropped to {$240.00} a month because the other company was overcharging. I called several Times because that just didnt seem right with the interest rate at 18 % but they insisted that they know their job and are doing it correctly. Come to find out, with the lowered payments its not even enough to cover interest every month which has in turn made my balance more than I shouldve paid over my 72 month loan & at this rate the car will still NOT be paid off when my loan is up. I have been contacting ACA to try and get some sort of agreement where the dealer can pay the {$15000.00} and then them write off the other {$1300.00} so that I can be done with this car and every day someone says Ill call you back but no one ever does. I have spoken with at least 15 different people and no one can ever find them again for me to talk with them again. And no one cares that I am getting royally XXXX with my account and wont bother to try and fix it. I am currently 3 months behind because I had intended on letting the car go back, but was hoping to settle with the dealer instead of ruining my credit but at this point Im tempted just to let it go back and be done with it just because no one cares enough to help me. The most HORRIBLE and IGNORANT customer service ever.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXXXXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. In regards to The company XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
01/14/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 90713	Web	Older American, Servicemember
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.
07/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77449	Web
I perform a credit transaction with XXXX XX/XX/XXXX. I notice that there was a loan application with American Credit Acceptance which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to American Credit Acceptance XX/XX/XXXX stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay {$800.00}. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; The list goes on and on. They haven't responded to my letter and one of the agent signature the certified mail receipt. They continue to call and harass me for payment when they are committing fraud. I have discussed with an attorney and I expect an cancellation of this contract and my title in hand.
07/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80123	Web
American Credit acceptance is who our car loan is through. They have the following message listed on their website : When you call to let them know that you are having difficulty due to COVID-19 they tell you that you have to go through approval to get any type of assistance. The only assistance they are willing to assist with is not reporting any late payments to the credit bureaus. They told me that because my son and I are working some hours and bringing in some sort of income there is no reason why we cant pay the car payment. They have called my son repeatedly and threatened to repo the car because he is half a payment late. When I asked them about this, they told me that they are allowed to use this method to get a payment. The below information is completely false and they are not willing to assist their customers. We were told that the calls will continue until we are caught up and they will not stop. If you review their XXXX reviews and XXXX reviews there are multiple people who are reporting the same information. As a valued customers who may be affected by the COVID-19 virus, our immediate concern is for you and your family. Please take precautions to protect yourself and your loved ones. If you encounter financial difficulties as a result of this virus, we encourage you to go contact us at XXXX to discuss options available to help with your individual needs. The health and wellness of our associates is also of paramount importance. We ask for your patience should you experience longer than normal hold times. Our goal is to serve you as efficiently as possible. We encourage you to utilize our customer portal through our website at myloan.acacceptance.com to manage your account and to make payments online
04/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76244	Web
End XX/XX/2017 XXXX XXXX contract woman. I handed her XXXX. Then she showed me contract. First thing was ... you see this..this means I have to be nice to you. XXXX XXXX was with me and began recording the way she talked condescending to me. Contract woman refused to give me back my XXXX which was 6 months back pay of XXXX I'd given her telling me I could walk out XXXX lighter or sign for and buy truck. XXXX XXXX took full advantage of me, XXXX on medication. It was robbery and they refused to take it back because they had me coming back and forth and not doing what they said they'd do. XXXX down disappeared because selling price for XXXX XXXX XXXX on contract was original XXXX. They added stuff I didn't want and she said too bad because its all been added. American acceptance charging 24.99 % interest. I've paid over XXXX but yet payoff is over XXXX .... They gave me no choice so I was stuck with no one to defend me. I just now found out who all to complain to! My health isn't good so I'm down more than up ... time passes me by. It was a crooked criminal deal and I was forced because she refused to give my XXXX is just handed her a few minutes earlier back. The only resolution would be to call the XXXX plus as paid in full. Or call it paid and buy back from me for XXXX or just a fair remedy for resolution from the humiliation of the treatment the way it was forced on me and telling me sign or walk away XXXX lighter. I want them both held accountable!! XXXX XXXX XXXX and American Credit Acceptance. I've got contract that I can send. There should also be federal laws regarding this criminal act against XXXX XXXX XXXX person plus they especially she were discriminating against myself and my young friend from XXXX.
08/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 75063	Web	Older American, Servicemember
I purchased the XXXX XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX NV . My salesperson was XXXX. XXXX XXXX XXXX offered me the Loan, XXXX down, XXXX Interest rate and 72 months. Love the vehicle, but in XXXX left XXXX XXXX, NV, got on the highway began to have serious problems. I ended up purchasing a new battery went back to XXXX XXXX, NV around XXXX and XXXX helped me with the cost of the battery. My mailj was going to my son house I got my mail from American Credit Acceptance for the first time not missing a payment and notice they had taken all of the first two payment, and some of the third Principle and Interest were not being deducted correctly. It appears not one of my payment are correct so far, and they don't breakdown the amounts on my bill. I have spoken to them several times even Manager about the Billing problem. Most seemed to avoid the issue or not answer my concerns not comfortable with the Customer Service Personal at all, and not honest. Notice on my credit report the balances were far above what they should have been because they were more than the car cost {>= $1,000,000} at purchase time, every balance I have seen. The loan was 72 months it now says 73 on credit report. I have returned the car back to then XXXX XXXX because of them taking money from my. This is my 4th bad car deal in 6 years two within the same year, please help I have lost lots of money. American Credit Acceptance then called me to take the car back I started to a mix of confusion, I am a XXXX XXXX XXXX suffer with confusion often, and the fact that This Texas Heat had me getting sick when I would go out really bad. but I didn't take it back. They have threaten further charging me, fee etc. please help.
03/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 305XX	Web
I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.
04/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30315	Web
XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77386	Web
In XXXX XXXX of XXXX . I went to XXXX XXXX in XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous XXXX that was not my fault. The agreement was that i was to get my current car. A XXXX XXXX XXXX XXXX XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From American Credit Acceptance ) o nto my current car loan ( with XXXX XXXX XXXX ). I finished all the paperwork and drove away with my new car in XXXX . XXXX told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to XXXX , and no check ever came, u ntil one day i got upset and drove down there, where they told me the funds were processed on XXXX XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until XXXX XXXX XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have. XXXX said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact XXXX again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29407	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
12/04/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32810	Web
In XX/XX/XXXX, I purchase a vehicle from XXXX XXXX. About two weeks later I returned the vehicle back for over heating issues. I was given a loaner car for about 3 months until the issue were fixed. After receiving my vehicle back about year and some months later the heating issue started back up. After taking it to the shop to get it fixed the issue was never resolved by XXXX XXXX. XXXX XXXX sealed the part that was causing the issue. After I was given notice what was done and why the issue kept causing problems the vehicle broke down. The vehicle was going in and out the shop to fix the problem. I contacted America credit acceptance to do a voluntary surrender and was denied the service. So, I stop payment for them to repo the vehicle so I can do a settlement because I no longer want the vehicle because of the issue I was having. XX/XX/XXXX the vehicle was finally repossessed. In XX/XX/XXXX I contact American credit acceptance to see what was my final debt after the vehicle were sold and to settle my debt. I was told I can settle it by paying whatever I want so I declined the option and told them to mail me a settlement option so I can clear my debt. I was never any option to settle the debt. On XX/XX/XXXX I noticed the account was higher than usual so begin Disputing it. The balance at that time was now at XXXX. I have filed complaints against them with XXXX that the balance keep changing. After receiving a follow up by XXXX it was brought to my attention the account is still open. My rights has been violated by false reporting to account that supposed to be closed after the vehicle were sold in auction but instead the account remains open and occurring interests.
03/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 37091	Web
XXXX XXXX sold my loan to American Credit Acceptance in XX/XX/2020 without my knowledge. My credit score dropped 60 points because it looks like the loan closed. I started paying XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX in XXXX to ask why they were not reporting my on time payments. I was told many different things. 1. They do not have to report 2. They are short staffed 3. They are putting it in manually and it takes time. 4. They would start reporting the following month Needless to say they never reported my on time payments. I was told they would report if I was late on a payment. I have called every month for 7 months. I have been put on hold for 30 minutes sometimes, I have been hung up on, I have been told they need the name of my consumer advocate so when they called the staff would know who it was. ( this was so disrespectful ) All three bureaus told me their name is below XXXX XXXX on the credit reports and By Law they should have reported 30 days and continued to do so every thirty days. I also spoke with a consumer credit attorney who told me to call the Attorney General in Texas .He also said I have consumer rights, They told me to call consumer finance for the government there in Texas XXXX I have waited 7 months for this company to report my good credit to the bureau. My low credit score due to their negligence has kept me for getting preapproved for a home loan as of last XXXX. I will have to sign another lease by the end of XXXX if this is not repaired on my report. American Credit Acceptance sent me a copy of all my payments in good standing several months back, it is not up to date but shows my diligence to make my payments on time.
08/13/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92311	Web
My car was stolen on XX/XX/2018 The car was reported to the police, insurance company and American Credit Acceptance the " lien '' holder. The car was found 5 days later and it was involved in a serious auto collision XXXX my insurance company declared the car totaled out. American Credit Acceptance the lien holder got paid from the insurance company on XX/XX/2018 in the sum total of {$14000.00} Also the ext warranty was cancel by XXXX the auto dealer and XXXX XXXX paid out to American Credit Acceptance they were paid out {$2500.00}. American Credit Acceptance when i called them on XX/XX/2018 they told me i had an overpayment of {$1000.00} and some change I don't remember the exact amount the first rep told me that it will be mailed out to my new address with in 1-2 weeks i said fine thanks I waited 1 week nothing came in the mail I call back talk to another rep they stated the account again has an over payment due to me and it still being in the process he advised it will take 3 more weeks and the payment should be mailed out on XX/XX/XXXX i said ok and waited and i called back again on XX/XX/XXXX no payment was received by me still I talk to a rude lady and she told me I don't know why I keep calling because there is no overpayment on the account and I will never receive my money. I told her i had the proof from XXXX and XXXX and she told me XXXX only gave them {$1500.00} and i asked her where did the other {$1000.00} went and she told me my account was {$0.00} balance but no overpayment I hung up on her out of frustration I have the proof and she the rep called me a liar and every rep i talked to a liar because there is no such payment owed to me very frustrating.
01/20/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NC 279XX	Web
On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.
03/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 94591	Web
I received a loan through American Credit Acceptance in XXXX. I paid 31 payments on the account in the amount of {$15000.00} between XXXX. In XXXX, due to some financial hardships and supporting myself and my partner with one income, I had struggled to pay my car payment. I tried working with them and set up payment plans and made payments when I could, however they did assign a repo on it last year, XX/XX/XXXX and I maintained communication with them verbally and through their online portal. XX/XX/XXXX I called and spoke with a rep to make a payment to bring the account current and be able to access my online account again and have it reflect positively on my credit report - the rep advised they would agree to this and I made my payment. XXXX I wasnt able to access my account to make or schedule any payments and when I called to speak with a rep they advised it was in a charge off and they couldnt remove it from that status- I called multiple times and spoke with multiple people and was told this couldnt be done. I sent an email to them requesting to settle or pay-to-delete or remove them from the title as I still have the vehicle. Ten days after the email was sent, I see they updated the account on my credit report to closed, charged off as bad debt and updated the balance to 16k. I would like to return the vehicle as is in exchange for a paid in full correction to this account. Because I paid over 16k during the length of my loan, and somehow the principle never was lowered, and I made an additional payment of 2400 this year, I believe I have completed on my end the loan agreement and would like to close this out and move on.
07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60473	Web
American Credit Acceptance is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and XXXX continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. American Credit Acceptance has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ). I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
03/28/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 21222	Web
On XX/XX/XXXX my vehicle was reposed from home, while being parked in my drive way. During this repossession my friends car was parked slightly in front of mine and his vehicle was damaged. Additionally, Maryland law ( 2010 Maryland Code, COMMERCIAL LAW, TITLE 12 - CREDIT REGULATIONS, Subtitle 10 - Credit Grantor Closed End Credit Provisions, Section 12-1021 - Repossession ) states that I must be notified by letter or certified letter 10 days prior and a XXXX letter 5 days prior that my vehicle will be reposed. I never received either of these notices. American Credit Acceptance, the lender, stated a 10 day letter was sent back in XX/XX/XXXX, however, I made a payment on XX/XX/XXXX in the amount of {$460.00} and XX/XX/XXXX for {$460.00}. I never got another 10 day notice or a 5 day notice. My car was suddenly than reposed illegally. The law also states I can than get my vehicle returned without payment and American Acceptance is refusing to follow this process. Please help me in retaining my vehicle as I have paid over 18,000 on this vehicle which had an initial cost of XXXX and only have year left to pay. I am currently out of work due to injury on the job and this is own means of transportation for taking my son to school and going to school myself. Additionally, I believe I was taken advantage of as I have a 20 % interest fee and am charged {$25.00} everyday my payment is late. Maryland law also says I have the right to purchase my car at the auction it will be sold, but this is being denied to me as they stated it will be sold at an auction for only DEALERS, which I am not and thus would not be able to purchase my car.
02/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NY 14211	Web
XXXX sold me a XXXX low mile car for XXXX for 72 months with American credit acceptance as my lender. They didnt explain anything to me at all for example my 26.66 % apr. I happened to be an out of state buyer from New York. They didnt help with getting it registered like they do for all there customers. I believe since I was an out of state buyer I had to do it on my own which made it tough after my temp tags expired. Because I was a first time car buyer I was extremely taken advantage of. They put me in this vehicle when I didnt have the right insurance to align with the state dmv registration procedures. Then when I called for them to help change my request away from my home state they couldnt get me florida registration. This process has been so bad for me after 60 days its been constant paranoia and stress that I was going to lose the car from law enforcement ( as I was constantly being pulled over ) or repossession but On XX/XX/XXXX it was reposed from me for nonpayment. I paid close to XXXX to get it back and when it was return I had a check engine light on and it wasnt running as smooth. Even took it to XXXX for a service they charged me XXXX for the check engine light and brakes even under the XXXX warranty coverage. Just 5 months in and the check engine still appeared on the dash. After a tough first 13 months with the car they had it repoed again for non payment. And the car was still unregistered and put me in so much issues with Florida law enforcement. Another thing they didnt tell me is that I would have to pay the old state I was living in taxes to just to register it and that cost close to XXXX.
11/08/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NE 68502	Web
Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.
10/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 27405	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. I submitted my Written notice of the rights to enforce my right to rescission of my contract per 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) ( b ). I have also reached out for several violations. As follows : Under 15 USC 1681 section 602 I have the right to privacy. Section 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Per use of my social security card, which under the eyes of XXXX law dictionary, is in fact a credit card. 15 U.S. Code 1692a - Definitions ( 5 ) and ( 6 a-f ) 15 U.S. Code 1692d - Harassment or abuse ( 3 ) and ( 5 ) Including threats to remove the property from my residence violating my rights and the fines charged when it was removed from the property and paid before auction. 15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) ( b ) HJR-192 which states that debts can only be discharged and not collected, as well as s 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ). ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 15 U.S. Code 1692e - False or misleading representations ( 2b ) and ( 5 ) and ( 6 ) and ( 10 )
07/30/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PA 19406	Web
I have a retail installment contract in place with American Credit Acceptance ( ACA ). This contract is in violation of 15 USC 1602 ( h ) ( l ) and 15 USC 1693 ( l ), 15 USC 1681 ( n ) ( o ) and 15 USC 1635 ( a ) ( b ). ACA has been committing fraud by impersonating as my creditor. 15 USC 1602 ( h ) states that a consumer credit sale refers to a sale in which the seller is the creditor. The the XXXX XXXX XXXX XXXX XXXX 's and I 's contract, 15 USC 1693 ( l ) was violated. ACA is also in violation of 15 USC 1635 ( a ) for failure to disclose my Right to Rescission. There were no documents included at the time of my signing of this contract explaining my right to rescission nor were those documents included in the copy of my contract that was sent via email by their office manager, XXXX XXXX on XX/XX/XXXX. This leads me to my next point to rescind. 15 USC 1635 ( b ) states that once I as a consumer exercise my right to rescind, I am not liable for any finance or other charges. I've notified ACA of these violated codes twice via XXXX XXXX mail ( signature upon delivery ) that was delivered on XX/XX/XXXX and again on XX/XX/XXXX. I have requested to rescind my contract due to the Federal violated codes. I received an email from ACA on XX/XX/XXXX stating my payment for XX/XX/XXXX has been deleted. I called in that same day and spoke with one of their representatives who confirmed my cease and desists letters are on file which is why they will not be contacting me. The representative also threatened to repo my vehicle ( XXXX ( VIN : XXXX ) by XXXX. I still have not received any correspondence from ACA.
10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76001	Web
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. XXXX XXXX XXXX XX/XX/2020 XXXX AMERICAN CREDIT ACCEPT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
02/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 76210	Web
American Credit Acceptance - received a payoff for {$41000.00} good through XX/XX/XXXX per payoff quote from XXXX XXXX XXXX. Per XXXX tracking payoff was received on XX/XX/XXXX.Payoff applied to my account on XXXX showed {$0.00} balance paid in full. On XX/XX/XXXX American Credit Acceptance received my gap refund which is owed in full to me but instead the reversed the payoff on XX/XX/XXXX and reapplied tacking on interest. I was alerted to this because my credit reporting showed a balance of {$67.00} which was not accurate as the loan was paid in full. They sent me a check for {$500.00}. They then cleared off the {$67.00} balance that was not owed to them, no showing {$0.00} balance again the next day. But they have failed to refund me {$67.00}. The initial Gap refund was {$570.00}. Since XX/XX/XXXX I have contacted this company multiple times via chat and calls and they claim someone is working on it. I have exhausted the attempts as there has been no resolution. They do not call or communicate via mail to provide a status. This should not be hard to refund money owed when all evidence shows they reversed the payoff 3 weeks later in order to scam there way in tacking on extra interest to the loan. Also to note during my loan with this company prior I had an issue with them applying my principal only payments to interest, confronted them over the phone and transfers multiple times and they claimed I could not make principal only payments. This company is a scam, if my account is paid ahead and current principal payments are allowed which finally they corrected that issue prior.
10/03/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web
My husband and I signed a loan agreement on XX/XX/XXXX with American Credit Acceptance. We put a very large payment down, but obtained a high interest loan from them. We bought our vehicle from XXXX car sales in XXXX, CA and before we signed made sure we could make interest only payments on the vehicle. They are allowed in California I was told. Once the loan was set up, we immediately started making payments on this loan. On XX/XX/XXXX I reached out to them to inquire about the process of how to make a principal payment and was told they dont take principal payments. I informed them that in California they were obligated to take principal payments, it was written into our financial laws. I never heard anything back. In the mean time I continue to make payments to this account and im feeling like its not being distributed correctly. There is more being put towards principal, but the accrued interest never falls below XXXX. And each day it increases bye XXXX. On my customer portal it states that I don't need to make a payment until XX/XX/XXXX. Is this loan set up correctly? From my understanding the way the loan was supposed to be set up was that you paid everything that was currently due. That includes all your interest charges and fees, and everything else goes onto your principal payment. Even if they charged me 1 months bill in advance. Why isn't everything else after that principal? They also limited the amount of transactions i could do through XXXX. Only 5. If I could find another loan servicer I would, but my credit score is awful.
12/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 43219	Web
Sent notarized Conditional Acceptance letter on XX/XX/2022, Via Certified Mail That was delivered on XX/XX/2022, at XXXX am Requesting proof they have exemptions to Ucc codes ( Which they are now violating ), asked for other multiple documents, tax documents, and proofs of accounting. Multiple attempts to resolve this account have been made and they continue to either not respond with requested materials or refuse to acknowledge remedies. They were given 10 Days to respond and have even been contacted by phone on XX/XX/XXXX to find out why I have received no response for what I have asked was Was told by agent that note on account XX/XX/2022 that " them sending me anything wouldn't change the amount due on account or the fact that they have contract '' all though that has nothing to do which the fact that i requested information and that's not what i asked. They have fallen outside of allotted time frame to Perform per notice. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been sent copy B of a 1099A months ago. It was requested that they respond in writing. By refusal to respond and inability to prove the claims that i stated in my notice they have agreed with the facts and agree that there is no debt as informed in the notice. They have still not corrected the accounting to reflect such. Further violation on my consumer rights and violation of Uniform commercial codes will lead to additional reporting to the proper Regulators.
02/19/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 281XX	Web
Purchased a XXXX from XXXX XXXX XXXX in XXXX, NC financed with American Credit Acceptance in XXXX and traded the SUV in at the same dealership in XX/XX/XXXX for a new SUV. I received my " Paid in Full '' letter from American Credit Acceptance saying thanks for paying off your SUV and congratulations. The dealership received the title to the XXXX and they resold the truck to another person. XXXX XXXX I went to my bank to talk about refinancing my new truck, the loan officer tells me to contact American Credit Acceptance for bad debt. I reached out to ACA and spoke with XXXX who is one of the managers. She had 3 different versions of what happened. First she told me that I owed the money and couldn't explain why. Then she said they have a new system and she was unable to see my old account. The third story was some one messed up and shouldn't have sent the title to the dealership and shouldn't have sent me the paid in full letter. But she did not have an excuse as to why. She told me she would contact me back and she was going to talk to her manager to see if they can get it taken off of my credit and updated. XXXX never called me back, I called her every two weeks and she was always in a " meeting '' or on " lunch '' I would call her at different times and she was never available. I have proof that this account was paid in full, It's not the consumer 's fault when a company switch to new systems and can not properly transfer information. ACA is the worst and they are completely wrong for what they have done to my credit report.
09/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IN 468XX	Web
XX/XX/XXXX I started a vehicle loan with American Credit Acceptance , LLC. The amount of the vehicle loan was XXXX, interest rate of XXXX, monthly payment of {$770.00}. {$500.00} downpayment was required. Completing this COMPLANT found a form in the stack of sheets stating at the end of this loan the total amount paid will be $ XXXX was not stated to me during the initial transaction. Today the loan is only down 2 % with a balance amount of XXXX. In XX/XX/XXXX I contacted the loan company due to financial hardship due to XXXX in hopes of refencing the loan. During this call I was informed that the company does not offer refinancing and that I would have to figure that out on my own with a different company. I tried to refinance with a bank and other company not luck because of my debt to ratio due to having this vehicle. After not being successful with refinance I did reach back out to American Credit Acceptance in XX/XX/XXXX inquiring of refinance and was told again the company does not offer refinancing. I tried to go on the portal for my payment history-it 's not available anymore on the portal. During a call XX/XX/XXXX I called to make arrangement for a payment per the rep suggesting for me to " pay extra to go towards the actual loan '' Also, during this same call I asked that my payment history be email to me, I was told it would take XXXX hours- I have not received the history as of today This has grown into affecting my health and credit, I do not feel the loan was given with expectation of being paid successfully.
05/10/2017	No	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28411	Web
I purchased a XXXX XXXX XXXX from XXXX in XXXX NC in XXXX XXXX . The vehicle was Financed " American Credit Acceptance '' on XXXX XXXX , XXXX I applied for a Re-financed Loan with XXXX . I was approved. As previously financing a vehicle with XXXX , I assumed the check was out, and everything was as normal. However, in XXXX , " ACA '' contacted me to inform me the loan was past due, I made a payment of {$1000.00} out of good faith while I tried to resolve the matter. Only a Few days later, " ACA '' Repossessed the vehicle in the dark of Night, and THEN told me I needed to pay {$2000.00} to get me vehicle back. I offered Proof, they were not interested. Only after I vented my frustration, they offered me a deferment. WHY was n't this offered before collecting the unit. I was very vocal about what I was doing, and the process in place. The they offered the repossession fees only of {$670.00}, in order to reclaim my vehicle. As I am in the middle of XXXX in the XXXX XXXX , this repossession KILLS my eligibility, when I 've worked for over 2 years in preparation, paying down debt, refinancing loans, rebuilding credit in order to obtain security clearances. My credit bureau shows 76 days late, and a repossession. XXXX , quickly resolved their issue within 15 minutes. After HOURS on the phone with " ACA '' my vehicle is gone, along with my military aspirations! The way I was treated on the phone, was criminal! The unethical collection practices of American Credit Acceptance is CRIMINAL!
09/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75043	Web
I got a car loan through American Credit Acceptance late 2012. Since then it just seems like this company has lied & hustled me into paying additional money. I submitted a request earlier this year that I still have not received a response for. I truly believe they are misrepresenting themselves & applying my payments incorrectly. I have paid the same {$25.00} late fee about 4 times & was not delinquent when paying. They refuse to send me my original loan contract ( which I have asked for 3x now ). They either tell me " no, we can not send it ''. or they agree to send it via fax, mail, or email, but I never receive it. I tell them I haven't received it. They have told me multiple times incorrect information about how the payment is allocated, then when I speak to another agent they give me a totally different answer. I even had a manager be extremely abusive while not answering any of my questions. She proceeded to scream at me after I asked her many times to stop being disrespectful because I was just confused on their payment processing. Today they advised me since I deferred so many payments that I would need to pay the balloon payment within 2 days to avoid repo. If I had never escalated to a manager to complain I would have never known I needed to make a balloon payment. I even asked them specifically on a previous call 'since I deferred so many payments what is my new maturity date '? I also asked 'was there anything additional I needed to do ' pertaining to this same situation. There was no response.
03/18/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OR 97212	Web
American Credit Acceptance held my car loan from XX/XX/XXXX until XX/XX/XXXX. I was never late. Not once. It took over 3 weeks to get the company to send payoff information to me and my new lender, XXXX XXXX XXXX XXXX. The branch manager of XXXX requested it over 3 times. I contacted them over 4 times to request the payoff be sent, via fax to my bank. They assured me they tool 24-48 hours to do so. I was charged {$13.00} a day for everyday they didn't perform their duties. Then when they sent the payoff, it had accrued fees, etc. They also sent the payoff and loan payment history to my new lender at XXXX via fax that was unlegible. After finally getting on the phone with them again, my bank sent the payment in full on XX/XX/XXXX and they cashed it on XX/XX/XXXX. When I called them after XX/XX/XXXX they said they had not gotten it. I was at XXXX during this call. On XX/XX/XXXX, they still had the loan open and a 30 day late on my credit report which made it impossible for me to secure a line of credit from my current lender. I called them immediately and requested that they pull the late back. They said they would send to the credit dept. Now, it has been one month and the cycle for the credit reporting agencies to update snows the late. The conversation with ACA is ongoing, but to date they refuse to send me my payment history, or proof that they pulled the late payment from the agencies. This had drug my score down, and effected my business loan, line of credit and all other financial services
09/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45231	Web
The loan company is known as American Credit Acceptance it is part of the XXXX XXXX. I have a vehicle financed through them, a XXXX XXXX XXXX. The account was delinquent XXXX XXXX I called in on XX/XX/XXXX and tried to make arrangements and I was told the vehicle was in repossession status as of XXXX that XXXX. When I spoke to the agent she advised I needed to make a payment to get the vehicle out of that status, so I made the payment. I was told it would take 24 hours for the system to update and the recovery agent to be informed of the payment. On XX/XX/XXXX the vehicle was picked up. I called American Credit Acceptance and they stated it had not been 24 hours since the payment so their system had not had an opportunity to update. I have contacted the company after the 24 hour period and the system was still not updated. The latency of their system should not impact my account. Someone should have called, sent a fax or email to inform the recovery agent of the payment that was made. I am being charged for repossession fees and lot fees to recover my vehicle XXXX. This is not reasonable after I have contacted them tried to make an arrangement and then made a payment. Additionally this company continually violates the FDCPA policy in regards to contact, they have never contacted me regarding the account, if they have they have never left a message to identify that they have called. I do not want my credit impacted any further and I want the fees returned as this was all within their control.
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85138	Web
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XX/XX/2019 saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX XXXX XXXX.Me my wife fell down got hurt.She fell XX/XX/2019 i XX/XX/2019 we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of XXXX refused to pay us any compensatation because we dont work for XXXX.That is XXXX law to keep working for same Company you get hurt at.XXXXt employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage MWR / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX and XXXX for XXXX XXXX but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XX/XX/2019 credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
12/06/2021	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77071	Web
I bought a car on XX/XX/XXXX and the engine blew out XXXX month later on XX/XX/2021 and I had a warranty purchase from the dealership added to the car to cover the engine the guy at the dealership who sold me the car tell the warranty people that only thing was wrong with the vehicle was that it needed a timing belt for the engine so the warranty people pay him for it the guy at the dealership told me he could not fix the vehicle after he received the money from the warranty people and cash the check he kept the money and didn't repair my car his excuses that there is more maintenance to be done on the engine so I called the warranty people and they told me they had explained that into details with him that he was not supposed to send off the invoice into the carpet was completely fixed the dealership told the warranty people that the car was completely fixed and ready to go that was on XX/XX/2021 today is XX/XX/2021 and the vehicle still have not been fixed. Then I spoke with the American Credit Acceptance who he transferred the loan to after the car was broke down I asked them what do they need me to do because now I can not make the payments because I don't have any reliable transportation to make money they told me they want to settle out the car but in order to do that they need the guy from the dealership to give them a printout of the total amount of repairs and labor that is going to cost to get the car fixed he refuses to do that and continue to hold the car and is not being fixed
05/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29212	Web
My complaint is against XXXX XXXX XXXX. I have explained to representatives on a weekly basis that due to the pandemic, I was unable to make a payment until XXXX. I asked for a payment arrangement in XXXX as I did with our other vehicle lender. I was told it would be fine, just to call week by week as they were only to hold payments week by week, which I did call. Now when they call, they share that if I am not able to make a payment, they can not make any notes on the account. I am also told that no payment arrangement can be made until the balance is paid. Well I asked for an extension in the beginning and was told different things by different representatives. I know that these calls are recorded so you can listen to the nonsense for yourself. No I get calls at least 2 or 3 times a day, then received a letter saying once they are able to repossess the car, they will. I mean, this is a pandemic and seem to be the only lender threatening their patrons. This is an ongoing issue with American Credit Acceptance XXXX. I am not able to speak with a Supervisor and they will not email any updates regarding payments. The representatives are rude and just totally unempathetic to individuals struggling during COVID-19. I am really concerned with their unfair business practices and the constant harassment from representatives. I have had different conversations explaining our situation and it does not seem to matter and now it is getting out of hand. I am really not sure who else to contact.
09/15/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33071	Web
I signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. On page 8 of the contract there is no one listed as a assignee or interest holder in the vehicle or contract and there is a blacked out area for the signature of the seller. On XXXX XX/XX/XXXX I received a copy of the contract from XXXX XXXX of XXXX XXXX with an alteration on page 8 that was done without my knowledge and I did not agree to. American Credit Acceptance , LLC was added as the assignee and the seller signature box was signed by hand. It clearly shows the contract was changed after the day of signing. On the day of signing all signatures were electronically signed. At the bottom of the original contract that I received when I left shows the date of XXXX XX/XX/XXXX. On the bottom of the altered contract the date reads XXXX XX/XX/XXXX. The is shows deceptive and unfair business practices and FRUAD. AMERICAN CREDIT ACCEPTANCE , LLC used a fraudulent contract to repossess my vehicle which is fruad. AMERICAN CREDIT ACCEPTANCE , LLC had/has no interest in my vehicle per the original contract. I have no agreement/contract with AMERICAN CREDIT ACCEPTANCE , LLC XXXX XXXX all violated a number of other consumers laws outlined in the documents I've attached, such as, forcing me to put a cash down-payment of {$750.00} because of my alleged poor credit when this was a strictly credit-only transaction, misleading tactics, lack of disclosures and other violations.
08/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28216	Web	Servicemember
On XX/XX/XXXX, American Credit Acceptance repossessed my vehicle. They have refused to lower my payments or work with me to bring the loan current. The payments I have made included extra funds however American credit acceptance has never applied the extra monies to any late fees or NSF fees. I have made 51 payments on this vehicle and I still owe {$22000.00}. The last Cure letter was sent to me on XX/XX/XXXX, and my loan was brought current. This load was doomed from the beginning. I have paid over {$39000.00} on this vehicle that is now in the hands of ACA. In order to reinstate and get the vehicle back I must pay {$2600.00}, which doesn't include repo fees. My loan was never properly serviced and I have paid over the vehicle sale amount. I requested a settlement prior to this repo action and they never got back with me. I never received any correspondence by mail letting me know that the vehicle would repossed. I was not offered any assistance. Credit Acceptance obscured the true cost of the loan leading to severe financial distress and subject me to aggressive debt collection tactics on my loan knowing I can't afford to keep up the payments. They are predatory lender and they prey on hard working people like me. I have lost my transportation and means to go to work. I never received a repo letter and the status shows opened. I just made a payment of on XX/XX/XXXX, and my care was repos. on XX/XX/XXXX. On the website you can not see how the payments are being applied
11/02/2023	Yes	Vehicle loan or lease Lease	Repossession Loan balance remaining after the vehicle is repossessed and sold	CA 92543	Web
I am on XXXX and I leased my car from XXXX with AMERICAN CREDIT ACCEPTANCE being the finance company. the car cost {$11000.00} I believe, and I been paying on this car since XXXX. THATS 5 YEARS, and the car STILL have a Principal Balance of {$11000.00}, Accrued Interest of {$2000.00}, and Fees & Charge of {$1300.00}, all which is making a payoff of {$15000.00}. This sounds WRONG. I am sick disable, and I am not understanding what is going on with this. The car was reprocessed in XX/XX/XXXX. They claimed it sold XX/XX/XXXX for {$2000.00}. And they are still charging a monthly regular payment for XXXX for {$360.00} and a new regular payment for XX/XX/XXXX for {$360.00}. I been complaining to them for years. I need help, I feel robbed, cheated, and taken advance of and I want my money back. I also want to join the case, CONSUMER FINANCIAL PROTECTION BUREAU and THE PEOPLE OF THE STATE OF NEW YORK, by XXXX XXXX, Attorney General of the State of New York, based on the above, and them hiding the true cost of the credit, setting me up to fail, and them doing stuff knowing that it would hurt me, and more! I tried asking them to lower the price so it could fit into my XXXX budget with no help. I told them my health was declining and it seem like it made it worst. By the time XX/XX/XXXX got here I could not keep up with it. Plus, I seen that they were just taking my money and it was not putting a bent in the payment after 5 years. Please help me get some or all of my money back.
08/11/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30044	Web
I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.
04/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30311	Web
Purchased my XXXX XXXX XXXX in XX/XX/XXXX, i made an outstanding balance payment in XXXX ( past due XXXX ) {$1300.00}. My portal shows late fee, monthly payment amount, and total. My current balance is {$920.00} ( {$460.00} car payment + {$450.00} late fees ) ( late fees from XX/XX/XXXX ), my portal does not have an option to pay the late fees separately, only the full balance or car payment. I then speak to a ACA rep ( XXXX ) that informs me that late fees are processed and paid separately and that the balance I previously paid did not cover any of the late fees EVER ( because I did not know you had to call separately to pay over the phone ). I then speak to a rep from XXXX that informs me that I have to call and pay through an actual customer service rep and that they do not process late payments online. The portal does not inform you to call anyone to make late fee payments. The XXXX rep then informs me that the unpaid {$450.00} in late fees would be applied to my XXXX monthly payment, however there will still be a small balance of {$12.00} because my monthly payments are {$460.00}, she then tells me that if the {$12.00} balance is not paid by the due that another late fee of {$23.00} will be added but when the {$12.00} rolls over to XXXX payment the late fee isnt added, my new balance for the month of XXXX will be {$470.00}. I asked for my options on giving the car back because at this point thats {$30000.00} on a {$16000.00} car! Absolutely absurd!!
04/13/2023	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	DE 19966	Web
I had buy a car from XXXX at the end of XX/XX/XXXX. My car loan lender was American Credit Acceptance ( ACA ). I paid my car loan on time all the way up to XXXX of XXXX when my car loan was reassigned back to XXXX. I wasn't informed by any communication from ACA that this was happening. No phone call, email, mail, etc. I finally found out from XXXX that my car loan was reassigned. Fast forward XX/XX/XXXX ACA removed off my credit report my car loan. This loan should had been reported as paid in full on my credit report. Instead they deleted it. I had called ACA shortly after this and struggling to get someone on the phone. I finally reached someone I asked as to why this loan was deleted off my credit report instead as being reported as a paid in full loan. I was told that there was nothing they could do to fix it and I was to dispute it with the credit bureaus. I proceeded to explain to them there's nothing to dispute because they deleted it off my credit report. ACA tells me that's not their problem. I asked do you have a credit dept I can speak to and I was told there's no one I can speak to and there was nothing they would do to help fix the situation. XXXX has been very helpful through out this and giving me supporting documents. to support this argument. XXXX XXXX XXXX has informed me that ACA is required to report my car loan as paid in full and that there required my federal law to report accurate information on my credit report.
03/13/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33162	Web
I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call
04/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20814	Web	Older American
The company is American Credit Acceptance, the loan was in XXXX of XXXX. The original loan was approximately {$4500.00}. In XXXX of XXXX I feel behind 90 days due to divorce. I had the car impounded by American, I paid the towing, fees, and rear payments etc. I noticed the following months that I wasn't getting an invoice mailed any longer, I contacted American at least 10 times my explanation was startling. They told me I can have the car and make payments but its now repossessed status even though I have it, and American is not obligated to send out any correspondence on payment due, balance etc. I ran my XXXX XXXX report and the balance is XXXX, as well no reporting since XXXX of XXXX for a car that I still make monthly payments on. I never know if my payment has gone towards the balance or due date without data. I was reported to XXXX on XXXX and XX/XX/XXXX with incorrect data and since then not another report to any agency. The nasty behavior from the company has left one alternative but to contact FTC, how can I stay on top of a ghost loan, as well not correct the old bad of XXXX. I dont have a clue I just call them once a month. Ive enclosed my XXXX XXXX for American Credit as proof of XXXX owed, and them not reporting on money they are receiving. I will not be able to give you a correct loan number etc, because I havent gotten a statement in years. My old phone is XXXX for reference, current number is in the following page
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AZ 850XX	Web
I, XXXX, The Living natural person, have been a victim of fraud and deceptive abuse upon trading and commerce business. For the record, I never gave AMERICAN CREDIT ACCEPTANCE authorization to assign themselves as lien holder, POA, etc. However it is to my overspending this company has intentionally falsified this documents in order to control my personal information and assets. In addition, to the Un-authorization of credit reporting AND WITHOUT MY CONSENT PURUSuANT to, breach of contract due to the fraudulent and non disclosures within the intentionally furnished and deceptive statements made from AMERICAN CREDIT ACCEPTANCE, in collusion with the DMV. I am demanding for the account with XXXX, XXXX and other third party companies who have bought my information or obtained unlawfully. I have sent ACA a Notice of Recession and Notice of Cancelation pursuant 12 CFR 226.15 and 15 U.S. Code 1635.. I am requesting for the account to be removed and Deleted, from credit bureaus such as XXXX and XXXX. Also to remedy any paperwork within the DMV and other departments with this falsified in formation. Upon Purchasing my vessel it was clear I intended to not have a lien holder placed, nor assumed power of Attorney on behalf. However, XXXX decided to monetize and fraudulently assign themselves as such. In addition, to a recent claim with XXXX, the company has decided that my recoveries will be given to a false lien holder instead of myself.
09/02/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30060	Web	Servicemember
My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.
04/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MS 39213	Web
American Credit Acceptance and I went into a contracted agreement for 72 months of an auto loan, They now say I still owe over {$9000.00}. I am not owing and they are still not applying monthly payments when they know I have paid them. Agents were instructed to note and apply payments to future monthly payments when I made double payments in the same months. For example, I paid XXXX XX/XX/XXXX, loan payments. One on XX/XX/XXXX for the month of XXXX and the XX/XX/XXXX, payment was paid on XX/XX/XXXX. I just called them yesterday because I saw on the history papers they did not apply that payments and many others. I want the principal applied to payments I paid double mouths to. What they sent about a repossession is not the payment I am mentioning. American Credit Acceptance I have been with 6 years now, have paid over {$33000.00} on a used {$18000.00} vehicle. They still are leaving payments off and not applying those payments. Again, below are some documents of what they are still doing and email I have sent. American Credit Acceptance have not given me any of these deferment or repossession documents before sending them out over to you all today. I am very disappointed and really wished in a million years I never dealt with this creditor. I have other lines of credit and not one of them has ever not applied my payments just to get more money from interest and principles. I have sent then bank statements here they are again.
01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89106	Web
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX for my auto loan account. I want you to know that I understand my financial obligations, and if it werent for COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made effort to ensure I contact you all about any financial assistance when needed. Since XX/XX/XXXX, Ive had a spotless record of on-time payments. As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX. It would also help if you removed the late payments from XXXX and XX/XX/XXXX as well. While Im well aware that your purpose is to report late payments, I am also aware that you are under no obligation to report any of these late payments to the credit bureaus. That being said, your full cooperation in deleting the late payments is appreciated. Thank you for your consideration, and I hope youll approve my request.
02/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30132	Web
In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.
02/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64052	Web
After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. I have also asked for verification documents for the following accounts : American Credit Acceptance they have the account opening date listed incorrectly. XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
01/16/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 85210	Web
On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.
11/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43123	Web
I bought my XXXX XXXX XXXX on XX/XX/XXXX of XXXX from XXXX XXXX XXXX XXXX. My car loan is through American Credit Acceptance. On XXXX of XXXX they decided to Charge-off my car due to Natural Disaster affected by COVID-19. Even though I have been in paying my car loan the entire time and I had the transaction payment sheet as proof.They also never reported my car to the credit bureaus during the entire time I've had my vehicle. So, in XXXX of XXXX, I had an open case with the State Attorney General Office in Ohio. ACA refused to reverse the charge off from XXXX and refused to update my Credit report. But, they did agree to take the XXXX off my credit tradeline. So, now as of XXXX of XXXX they said they were going to repo my car for missed payments, even though the car has been paid off by pandemic relief money and I've been making payments. So, I sent in a {$2000.00} payment on the XXXX of XXXX, a {$730.00} payment on the XXXX of XXXX and the XXXX of XXXX, and a {$1000.00} payment on the XXXX of XXXX. ACA is now saying they can't find the {$2000.00} from XX/XX/XXXX and {$730.00} from XX/XX/XXXX even after sending in my bank statements for these 2 months. They refuse to fix the issue they have caused and the refuse to actually do their jobs. I have had issues with this company taking money from me for 2 years, not reporting it to the credit bureaus, and now not even showing the car as an active account on my report.
10/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30339	Web	Servicemember
On XXXX XXXX, I called into Credit Acceptance. After speaking with a rep I was that they would accept my payment in the amount of XXXX on XXXX XXXX After accepting the payment in the amount of XXXX payment, American Credit Acceptance stated that this payment would satisfy the amount needed to be removed from the repossession list. When I called American Credit on XXXX XXXX, I spoke with the Reinstatement Department Manager. The manager stated that when I made the required payment, that the Repossesion Company was closed for the day and that they couldnt update the company about my repossession status being removed from list. My property was illegally seized and my non public information was provided to a third party outside of my contract. According to Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq American Credit Acceptance used False or Misleading Representation and Unfair Practices in which American Credit Acceptance took property ( vehicle ) when the creditor had no enforceable right to the property, I made payments sufficient to stop the repossession. American Credit Acceptance engaged in unfair acts and practices by repossessing my vehicle, even after I took intentional actions to prevent repossession. I requested a full investigation of the matter from the reinstatement department and they have yet to provide me those details. I have suffered damages as a result of these violations.
06/25/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	UT 84058	Web
Bought a car through XXXX had no problems until the pandemic hit. Hours where lowered in XX/XX/2020 I contacted American Credit Acceptance about diving up my payments. When I did this a payment was missed they never contacted me. When I tried to work out a plan their plan was to pay the amount they wanted and nothing else. The car went to repo XXXX said they would help me refinance if I got it out. I got it since then I have split the payments they are charging me {$11.00} a day in interest the principal has not been paid on at all. The contract set the interest at 28 % yearly. They took this loan knowing I had a low credit score when I ask why they didnt refuse the loan there is no answer. I cant refinance the car because the principal is still so high ACA doesnt refinance they wont work with me plus there records are not accurate. At this point there are 61 payments left they say the car will be paid off. It is because is going that interest I have paid {$5100.00} in interest. I have asked for a statement detailed they failed to send it. When I call they have different people who tell you one thing others tell you another. One person told me they had the right to do something I alter find out they didnt clear it through a supervisor this is wrong.What they post on line is different from the statements sent in the mail. This is also confusing and wrong. I feel they are scamming me on my payments.
04/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 28079	Web
I had an auto loan with American Credit Acceptance. This loan was paid off on XXXX. There was an overpayment of {$77.00}. I also canceled GAP insurance and a vehicle service contract which caused additional payments to ACA in the amounts {$220.00} and {$630.00}, respectively. Those payments show a having posted on XXXX. That money should be returned to me. After waiting a few weeks, I contacted ACA to inquire about the refund. I called at the end of XXXX and was told that the refund check had been mailed to me on XX/XX/2023 and that I should continue waiting on it. Was also told that if it had not been received by XX/XX/ to call back and they would re-issue the check. Called on XX/XX/ and spoke to a supervisor ( XXXX ) and was told that she would escalate the matter. Called back on XX/XX/ and asked to speak with XXXX or another supervisor, however neither would take my call. The representative I spoke with told me that my refund was mailed the previous week to my home address. He said payment was in the form of a debit card that I " could use at an ATM ''. Said it would be delivered today ( XXXX ). I checked my USPS informed delivery and there is no mail from ACA. These people are rude and they are unwilling to refund my overpayment. I want my refund. The account status shows as CLOSED however there is no transaction listed in the account history showing the excess funds being returned to me.
09/27/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MS 39180	Web
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX loan agreement was for 62 months. I am schedule to payoff that loan XX/XX/XXXX. I haven't missed any payments and I may have been late 1-2 but I don't recall ever been more 10 days late. I reached out to American Credit Acceptance because I notice the balance was incorrect and if I continue to make my regular payments it would not add up to the balance showing on my account. I was first told that my payoff date was incorrect although it clearly stated on their website the 62 months and XX/XX/XXXX was when the term should end. Then I was my installment did not matter because I wouldn't finish paying the loan off until maybe 10 months later because my loan is accruing a daily interest rate which might extend my loan longer than the 10 months. If I didn't pay off the loan by XXXX, I would have to sign some type of agreement to extend the loan. I have purchase quite a few cars in my life and I have never experience anything like this before and I have never had to pay 10 additional payments on any type of loan unless I request a payment extension and the payments are attached to the end of loan. I have not done this at all on this loan. I have also reached out to XXXX Auto to get a copy of the original sales agreement because they bought out XXXX XXXX XXXX several years ago and XXXX XXXX will not call me or respond back to my emails.
02/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44266	Web
On XX/XX/21, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through American Credit Acceptance. Im the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which should have been included within my credit transaction, should be the sum of all charges. According to my calculations, the total of the finance charge should be {$4300.00}. I was never given copy of my XXXX XXXX XXXX XXXX. I only have the cash price of XXXX, with GAP insurance {$1100.00}, tax {$1300.00}, that the dealership gave me in the amount of {$19.00}, 670.00, plus {$15.00} title fee, registration fee {$20.00}, minus down payment of {$3700.00}, with a balance due of {$17.00}, XXXX. See exhibit A from the dealership and copy of my welcome letter as Exhibit B from the American Credit Acceptance, that the charges are {$15.00}, XXXX above the lawful sum of all charges of {$4300.00}. This completely inaccurate and unfair credit card practice that undeniably goes against this sub chapter of the TILA ( Truth In Lending Act ). The finance charge section is completely not stated on my original paperwork and according to USC 1605 ( a ) ( 5 ), this is fraud and this contract is now void.
09/01/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33897	Web
The car loan was paid off around XX/XX/2021 after the car was repossessed. I called American Credit Acceptance within a week and requested my title so that I can take it to Florida Highway Patrol to have the lien release and get my title without lien. I was told on XX/XX/2021, that my papers was mailed out on XX/XX/2021 and received a email of the documents that was supposed to be sent to me. XXXX XXXX still no title, a rep claimed it was mailed out and give it two more days. After waiting three more days still nothing, so I reached out to the young lady that sent me the email name XXXX XXXX and told her that I hadnt received my paperwork yet. Mrs. XXXX then told me that she would send out a lien release form on XX/XX/2021 and I should receive it in a couple of days. Sill the original paperwork I received a email copy of hasnt made it yet. So I called on XXXX XXXX and spoke with another representative and asked about the original paperwork and explained Mrs. XXXX was sending out the same form he offered to send me. He wasnt aware of any other paperwork that was supposed to be mailed to me, and said he was sending me a lien release form again. This time I was told to give it five days not two. Its been a day short of thirty days since the car was paid off and the finance company will not send me my paperwork so that I can get the lien released from the state of Florida.
08/10/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75154	Web
American Credit Acceptance contacted me by both mail and phone stating they bought my alleged car loan from XXXX XXXX XXXX XXXX. I never received anything in writing from that car company alleging they sold this alleged debt and they don't have any affiliates per my consumer credit transaction records. I sent a letter to American Credit Acceptance on XX/XX/XXXX requesting for them to send me proof that they are the holder in due course and until they produce it, cease and desist contacting me. I also advised that them having my non public personal information was aggravated identity theft since they created an account in my name using this information with no permission given by me for them to have it. The letter was sent certified and return receipt shows it was received XX/XX/XXXX. I received a letter back from American Credit Acceptance dated XX/XX/XXXX acknowledging receipt of my dispute and letting me know that i need to show proof of police report and FTC filing due to me alleging they are committing identity theft while asking me for MORE personal information! They did not send proof that they are holder in due course, they're still asking me to pay them money allegedly owed to them and they are violating my cease and desist by still calling me. I have received 7 calls since they received my letter that included a cease and desist request from me on XX/XX/XXXX.
11/01/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	WI 53212	Web
On XX/XX/ I signed a contract with American Credit Acceptance. The amount that was financed according to 15 usc 1605 was {$39000.00} This company was commited to providing me with top priority treatment and with a reliable car that i could use for household use. The nature of my dispute is the various violations of federal law such as the Equal Credit Opportunity Act 12 USC 1002 reg. B, Securities Fraud, T.I.L.A Violations, F.C.R.A, Federal Reserve Act, being that i provided an application, to which became the Security Collateral for this transaction according to section 16 of the Federal Reserve Act part 2. I also provided my social security account number which according to 15 USC 1602 ( l ) the term credit card meansany card used for the extention of credit. This company has not tried to resolve this situation and make things right as this has cause me great stress and pain and suffering. Certified mailed i sent tracking number XXXX XXXX XXXX XXXX XXXX. There is a pattern of misconduct by this company I applied for my own credit and got scammed and the car was repossessed Im greatly damaged. Withholding my access to my securities is securities fraud. Violating EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT since Im getting denied access to my credit and would like to retract my application. Thank You By : XXXX, XXXX ATTORNEY-IN-FACT for XXXX XXXX
11/08/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MO 63031	Web
Please NEVER use this company to finance anything because they are fraudulent in their servicing and not transparent with their processes. Just to provide context, I will share OUR personal story. My husband and I fulfilled the PAYOFF on XX/XX/18 in the amount of {$1200.00} over the phone with their customer service agent. We allowed the time they stated it may take for the title to arrive. My husband and I on XX/XX/18 began to question the whereabouts of the title. We called again on XX/XX/18. The agent told me that the title would be expedited and should arrive in 10 business days. She stated we had a balance of nearly {$4.00}, which is impossible if you satisfy a PAYOFF AMOUNT. After waiting for nearly 20 business days we called again on XX/XX/18. They again stated we had a balance of the same approximate {$4.00}, but also saw that the PAYOFF was satisfied. They stated that it would be 3 business days for the escalation. I then called today, and and an agent name XXXX ( who refused to provide her extension or a worker ID ) stated " there was not a response and that we just had to allow more time ''. Since I am off of work tomorrow, my 1st order of business is contacting the CFPB and the Attorney General for both South Carolina and Missouri, since it was a wire transfer. Do not do business with this place because they will take your money AND hold your title.
03/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39213	Web
On XX/XX/XXXX, I called American Credit Acceptance again to ask to look over and send copies of any repossessions, balances they stated on all 3 major credit reports. I also contracted for 72 terms but ACC has inaccurately stated 80 terms on reports. Inaccurate balances, some payments not noted when compared to bank statements, interest rate is more than agrees upon because the principal in interest is being left off or not applied when it should have. This company has ballooned interest payments and trying to make me pay another {$9500.00}. XXXX for a cash payment of a XXXX vehicle, in which I have already ready American Credit Acceptance over {$33.00}, XXXX as of XXXX, XXXX. My loan for a XXXX XXXX XXXX vehicle has been charged more than 16 % interest rates on this loan. American Credit Acceptance has caused violations for damages and violations that allow rescission. American Credit Acceptance violations are the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures, changed the terms after contracted, American Credit Acceptance mangers also gave different names to keep me from documenting their names, after, I stated I was documenting phone calls. There are so many inaccuracies and fraudulent activity with this loan. I am tired of it and demanding Restitution.
08/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44109	Web
I was involved in a hit and run in XXXX of XXXX my car was minorly damaged, as a result of this accident i lost my job due to unreliable transportation, at that time in XX/XX/XXXX i spoke with American Credit acceptance and requested to voluntarily return the vehicle i submitted the address and requested auto repair quote, i had gap coverage and they said it was approved and would be taken off my credit report. in XXXX, i called again to resolve as i never received any paperwork abiut the car return and realized it was still reporting on my credit. i attempted again to return the vehicle they said they were going to settle the account and i was to receive my settlement offer. NEVER RECEIVED DOCUMENTS. called again in XX/XX/XXXX re did the same settlement process was approved again to settle and they once again never processed it. with each request i have confirmed via -phone and email records of my previous request it was confirmed but that they never processed. in the meantime they are still reporting this on my credit and inflating my future settlement amount by continuing to charge my account and reporting the vehicle still in my possession, if they would have processed my request initially i was only two months behind on my payment and the negative impact the settlement would have had would have been way less impactful. this is negligence pure and simple.
01/31/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77072	Web	Servicemember
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX where my car note was XXXX through American Credit Acceptance. In XXXX of XXXX I asked them to pick up the vehicle because I was given a bigger vehicle due to my family size changing so I didn't need another car. They didn't pick up the vehicle until XX/XX/XXXX yet continued to add late fees which is understandable. They then sent me a letter on XX/XX/XXXX telling me that they would sell the vehicle and the money they would get would go towards my balance. They sold the car XX/XX/XXXX. According to them I had an unpaid balance of XXXX and unpaid late fees of XXXX which added up ro XXXX. They sold the car for XXXX which makes my balance XXXX. They charged me XXXX to come get the vehicle, XXXX to prepare the vehicle to be sold, and it allegedly costs them XXXX to sell it. Which totals up to XXXX which then makes my balance XXXX. On XX/XX/XXXX I received a bill for past due amount of XXXX thats due XX/XX/XXXX. They continue to add late fees for a car that they already sold yet they are constantly adding fees. On top of this it's a XXXX balance for this car on my credit with XXXX and experian for the balance of the car which is supposed to be XXXX. They do not have the right to continue to add late fees to a vehicle they already sold. When I call them to dispute they hang up or tell me I need to call back.
10/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89139	Web	Servicemember
on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to American Acceptance Credit corporation for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with ACA and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however American Credit now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!
02/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MS 392XX	Web
AMERICAN CREDIT ACCEPTANCE VIOLATED MY RIGHTS AS A CONSUMER. THE NON-DISCLOSURE AGREEMENT PLAYED DURING THE REPOSSESSION DEPT LINE DOES NOT INCLUDE FEES FOR THE AUCTION. EACH ACCOUNT HAS DIFFERENT FEES DUE TO HOW LONG THE VEHICLE HAS BEEN ON HOLD AT THE AUCTION. AFTER 1 MONTHS OF PHONE CALLS THE REPO FEES WAS MENTIONED BUT THE AUCTION FEES WAS NEVER MENTIONED. ACA INTENTIONALLY DOES NOT SPECIFY THAT IN HOPES YOU ARRIVE AT THE REPO PLACE WITHOUT THE FEE IN ORDER TO KEEP YOUR CAR. THE COMPANY REALLY WANTS TO KEEP AS MANY CARS AS POSSIBLE. THE SALE/AUCTION LETTER SENT OUT DOES NOT STATE A CHARGE PER DAY NOR FEE THAT WILL NEEDED INORDER TO RETRIEVE VEHICLE FROM AUCTION EITHER. ACA ALLOWED ME TO PAY ALL PAYMENTS ON MY ACCOUNT WITHOUT INFORMING ME THAT I WILL STILL HAVE AN OUTSTANDING FEE WITH THE AUCTION THEY HAVE PARTNERED WITH. AUCTION DOESNT BREAK DOWN WHAT THE FEES ARE FOR SO YOU JUST LOOK AT THE AMOUNT AND FEEL OBLIGATED TO PAY IT JUST TO GET BACK YOUR CAR. NOT ONLY WILL THIS MISSED INFORMATION SET ME BACK ANOTHER MONTH LATE ON MY CAR IT LEAVES ME TO FIND TRANSPORTATION TO THE FACILITY THEY USED AS THE AUCTION. THE FACILITY IS 3+ HOURS AWAY FROM WHERE THEY REPOSSED MY VEHICLE FROM. MY NEXT CAR PAYMENT IS ON XX/XX/XXXX AND IT IS NOW THE XX/XX/XXXX. LEAVING ME TO CHOOSE BETWEEN BEING LATE AND GETTING THE PAYMENT OR USING THE MONEY TO PAY THE FEE.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77039	Web
This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
02/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27610	Web
I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.
06/30/2022	No	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NM 87111	Web	Servicemember
My current wife recieved a call on her cell phone from a restricted number asking about me. They informed her they were with the county service department and that they needed XXXX to call the civil lawsuit division of our county for more information regarding a lawsuit against the BOTH of us. the number they provided was XXXX and stated we needed to give them his name and they could provide court details. My wife then called me and the number they provided for the XXXX county civil division courthouse '' and it went to American credit acceptance line. My wife and I got married just over a year ago and this debt was from almost 10 years ago. I never provided them her information and I never gave them consent to call her. I was under the impression this was resolved and closed years ago. They stated that my wife and I were being sued for the " XXXX '' I purchased. I would like to reiterate I have not spoken to anyone regarding this in easily 7+ years. They pretended to be legal service departments with XXXX county and they were not. I am in the process of getting into the police department here and had all of my files pulled as well as went down to the courthouse to confirm none of what they said was true and at this point no lawsuit has been filed. They used aggressive collecting as a way to try to get my wife to pay something we do not owe.
09/08/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30101	Web
On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92530	Web
Over the course of the 8 months of having a car loan through American Credit Acceptance, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. My score went down 55 points on XX/XX/XXXX because ACA then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.
05/22/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27455	Web
Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.
09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 92128	Web
I am repeatedly seeing incorrect information in my credit reports that is either not updated continuously, or incorrect information is constantly being reported. It is not fair to be held to a standard to information in your credit report, but the information being reported continues to be reported inaccurately. For example, there is information that was reported on an auto loan that I just paid off beginning of month of XXXX, that was just reported showing that it " changed accounts '', and was included in the Chapter XXXX bankruptcy. This bankruptcy was discharged many many years ago and has nothing to do with this auto loan, that has now been paid off. Further more, information from this same company reported a late for the month of XX/XX/2020, when I was waiting for them to confirm my new monthly payments, as my previous contract had expired even though I still had a large balance of {$3500.00}. Someone needs to look into this because obviously no one is really managing this, but the information is quick to be uploaded to your account to affect your history. This is unfair and I think I need to get my lawyer involved so that he can review what is going on with these credit bureau companies, and these Creditors that are reporting inaccurate information constantly. This is my first step. My next step is to get my lawyers involved.
11/07/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78749	Web
I was charged twice in the month of XXXX for my auto payment of {$380.00}. The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. I have never missed a payment since working with American Credit Acceptance and my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in XXXX.
10/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
02/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44108	Web
I bought a car from XXXX and was financed by American Credit Acceptance, which they do not use anymore and wouldn't tell me why. I have been paying on this car for a year and some months. I discovered when asking for help with my bill, that I am paying {$17.00} a DAY interest. My car was for, say {$23.00} grand and they are charging {$20.00} grand to finance it. I did not realize that I would be paying on this car for ever under what is called a simple loan at 25 % APR, which I couldn't come up with {$16.00} and is more now. I have missed payments and is currently behind now, but I researched my account only to find out that, even when I paid on time NONE OF MY PAYMENT WENT TOWARDS MY PRINCIPLE. I don't understand! Now I've gone from 60 payments left to 65 and {$23.00} grand to {$25.00} grand I am trapped and American Credit Acceptance told me I can pay {$75000.00} for this car, becuase there isn't a ceiling on the interest or payments they can take from me. Even when I get caught up and pay on time. I've had a lot of cars, but I have never experienced any deal like this and I read that the interest may not be legal in the state of Ohio. What can I do. I don't have credit to get a new car, I want to pay this one off, but at {$650.00} a month and nothing going to principle, I can't go on like this. Something is not right here!
04/06/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33193	Web
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 312XX	Web
With only two payments left on this loan totaling approximately {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was on XX/XX/XXXX the insurance company would not respond to over 11 phone calls choose to finance company the finance company assured me as long as I stayed in touch with them until they were paid I would not go into the quote on quote XXXX XXXX and have my credit affected I called them every two weeks I was unable to make those payments because upon being XXXX from hospital I had to purchase a new vehicle just to be able to get home the payment was double the amount of the first car loan payment leaving me unable between Medical expenses and new car payment unable to pay American Credit again they shorted me they would not harm my credit as you can see they lied I called multiple times and they assured me they would remove it I would appreciate any help getting them to follow through on their word I truly have suffered enough and I'm in desperate need of help for my credit score has left me unable to even qualify for new housing as well as many medical issues extremely necessary like XXXX XXXX so I can try to function again like a normal person
04/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MT 596XX	Web	Servicemember
Started loan in XXXX of XXXX with an original loan amount of {$5700.00} the very next month my total owed is {$5900.00}. And only {$00.00} cents went to my principle I pay a total of {$200.00} a month every month on auto pay with a monthly charge of {$170.00} which totals to me paying {$25.00} extra a month. The interest charged goes up and down every month without reason, they didn't take an automatic payment in XX/XX/XXXX and in XXXX of XXXX {$200.00} went to interest and nothing went to my principle. I was told I get charged {$4.00} a day in interest totalling $ XXXX {$120.00} a month yet my interest payments flucuate from about $ XXXX {$200.00} a month and the most ever applied to my principle is about XXXX or so dollars monthly if that. If I were to pay off the loan today they would charge me {$5400.00} meaning after paying {$2000.00} since XXXX of XXXX till XXXX of XXXX I would have only paid {$460.00} towards my principle that is robbery and fraud. Yet I get told I don't understand how a simple interest loan works. Also their statement re how the payments are applied are 1. Misc fees ie. Repo if applicable 2. Interest currently due 3. Principle current and past due 4. Fees ie. Late/nsf 5. Remaining principle. They are being shady with my money and it's not right. I should only owe {$5000.00} not {$5400.00}
01/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WV 260XX	Web
American Credit Acceptance is the loan company. First problem is the interest rate was 25 % and the issue is i bought the vehicle from XXXX with ACA as the lender with {$1000.00} down. The vehicle broke down within a month and I had to put over {$1500.00} into the truck to get a new rear end in the vehicle. After that I had the payments for the truck I spoke to them about it got a 3 month break, yet I found out a few months after that back in XX/XX/XXXX that the truck would not pass inspection without getting a new bed of the truck which cost $ 1500- {$3000.00}. On top of the repair bill, the monthly truck payment, as well as trying to get it to be pass state inspection I was struggling. I spoke to a lady at ACA about trading the vehicle in so i was told to wait on making the payment after XXXX. So today XX/XX/XXXX they Repoed the truck and told me I needed {$1400.00} to get it back along with storage fees, etc. Also, if i could not afford to get the vehicle back I was informed that if the truck sales at the auction I would still have to pay the difference even though I paid over {$2000.00} to get the trucked fixed to get it to run due to being sold a lemon from XXXX and the ACA. When I went to trade the vehicle in i was told I needed to have {$2000.00} down in order to get loan with trading in the vehicle.
08/03/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IA 502XX	Web
I purchased a used XXXX XXXX XXXX vehicle from XXXX that was financed through American Credit Acceptance On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted American Credit Acceptance numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by American Credit Acceptance in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually American Credit Acceptance repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some XXXX XXXX XXXX.
05/06/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TN 378XX	Web
We have had our job slow down down on us in XX/XX/XXXX discussed this. With them told them we were out work the week before XXXX and XXXX week.When we went back theh harrassed.us in XXXX every day XXXX to 3 times aday. In XXXX first time every we spoke to.a floor manager who helped us and we made a payment and made XXXX in XXXX but we struggled to make those payments by XXXX the business slowed down and this all had to do with the economy and this is our business. So we spoke to them in XXXX and we told them the same are work was slow we have struggled yes we have payed some bills but this car payment is {$630.00} for a XXXX XXXX encore 5 year contract and were just at XXXX XXXX.we stated with {$40000.00} and the car was only XXXX a d some change and the percentage is high but anyway they just said I'm XXXX please make your payment or we haven't heard from then they have not called us since XXXX! I called Friday XX/XX/XXXX and asked the young girl about a hardship program and that we had not heard from them at all she said a d I qoute ( we don't have your number ) but if I can pay {$280.00} she could see what she could do. I just told her we were broke and need help. We have not every had a deffered payment through this company. THE LAWSUIT AGAINST THEM IS CORRECT THEY ARE TO EXPENSIVE, PAYMENTS TO HIGH
04/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77429	Web	Older American
I called ACA ( American Credit Acceptance ) twice in XX/XX/2020, the month prior to the due date of my first payment, to inform ACA that I need some assistance due to the Stay-At-Home Order because of the coronavirus pandemic. ACA informed me that I am current and there is nothing ACA could do for me since I have not made my first payment. I informed that my XXXX payment will be late and I need a 2 to 3 months deferral. ACA denied me the deferral. I called again the first week of XX/XX/2020, to discuss my car payment. ACA refused to give me any assistance. I explained to the agent that I am being affected like everyone else in the USA, I am self-employed and all my clients have stopped paying me. ACA firmly denied any help. My due date came on XX/XX/XXXX, I was not able to make my first car payment. Then ACA started making collection calls as early as XX/XX/XXXX twice, on XX/XX/XXXX, on XX/XX/XXXX, on XX/XX/XXXX. Called ACA after I received a threatening letter to repossess my car and to accelerate my car loan after the agents promised me that ACA is not repossessing any vehicles. I spoke to a Supervisor and she agreed that the letter should have sent out and it was system generated. I informed her that this is a written statement that contradicts what she was telling me. I decided to file a compliant.
05/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 161XX	Web	Older American, Servicemember
American Credit Acceptance has been charging me {$2.00} a day interest rate. Because I faced hardship three years ago, I asked for a deferment. The arrears were put on the back of the loan. I signed the agreement electronically and was told that once I was caught up, I would be back on track. I was late twice in XXXX. Thirty days over due. American Credit Acceptance worked with, got me current and I have not been late since. The institution said that loan was to paid off in XXXX of XXXX, but because the loan was not paid off in XXXX of XXXX, the life of the loan was extended to the end of XXXX of XXXX. Because I check my credit everyday, I saw an impact on my credit report. It was American Credit Acceptance. I called and complained to American Credit Acceptance. They told me that because I did not do a modified loan request, it went against my credit. I exclaimed to the institution that had requested that they send me a modification when it was due in XXXX of this year. I discovered that it is on the way. American Credit Acceptance purposely dragged it out so they could extend the life of the loan two more months. I pay {$430.00} for nine more months which comes to, {$3900.00}. This institution has illegally milked me for thousands of dollars. What's more, they extended the loan again to XXXX of XXXX.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53212	Web
Between XX/XX/2023 and XX/XX/2023, my automotive account with AMERICAN CREDIT ACCE was removed from my credit report because a violations of federal laws that protect consumers. Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
11/09/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	UT 84058	Web
Dear American Credit Acceptance, We are writing this letter to inform you of pending legal actions regarding American Credit Acceptance regarding the status of a loan payoff check. On XX/XX/XXXX, we sent refinance paperwork to XXXX XXXX XXXX XXXX XXXX XXXX ) located in XXXX, California, and they received the paperwork in the following days. Then, after receiving said paperwork, XXXX sent American Credit Acceptance ( ACA ) a check for the full amount of the XXXX XXXX XXXX financed through ACA. The first check was sent on XX/XX/XXXX, and was credited to the account in question, yet was then reversed for unknown reasons. XXXX sent another check on XX/XX/XXXX, and the check was delivered to ACA located in XXXX, South Carolina on XX/XX/XXXX, being signed at the front desk by a man named XXXX XXXX. On XX/XX/XXXX, {$130.00} was credited to the account coincidentally on the same day that the check for {$17000.00} was received and signed for by the aforementioned XXXX XXXX. This is proof that the check in question was definitely received by ACA. We have tried to speak to your billing department regarding a lost check that American Credit Acceptance claims to have either never received, or never credited. We have tried speaking to the customer service department, but no remedy could be found.
07/20/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL XXXXX	Web
Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.
01/14/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. Unauthorized collection accounts from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89032	Web
On XX/XX/2020 I sent credit bureaus ( american credit acceptance ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
10/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 08003	Web
My car loan was with XXXX XXXX in New Jersey. I have been paying for over a year. I had a 10 day grace period. They " sold '' my loan to American Credit Acceptance. The only thing I received from this company was a letter stating that they had bought my loan, there were no notices included, I called them. I no longer have a grace period and was informed by American Credit Acceptance that if I'm late ( even one minute ) I accrue a {$2.00} a day late fee until I make my monthly payment and when I make the payment, the ENTIRE payment will go towards the interest only. Every car loan I have ever had gave a grace period. I am on Social Security. If they are going to apply a late fee every month and apply the entire payment towards interest only, I'll be doing nothing but supporting that company and will never have anything applied toward the principle. It's bad enough that on a USED CAR LOAN I have a 23.9 % interest rate ( that's right 23.9 % ), but now I'll be paying that for the rest of my life because, being on Social Security I will never be able to pay on the exact due date. This company is a loan shark, shylock organization. I asked them about refinancing and they said I need to get a loan some place else if I want to refinance as they ONLY BUY LOANS.
03/06/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 322XX	Web
I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in XXXX. XXXX
03/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30274	Web
Vehicle was repossessed in XXXX of 2019. I was told the vehicle was released to the auction XX/XX/2019. It is now XX/XX/2019 and I have not received a sale notice, a notice of the company keeping the vehicle, or any letter of that fact. I have called XXXX XXXX XXXX and american credit acceptance and they both said they don't know where the car is or if it has been sold. I have updated my current address with the company so they can not then come back and say they sent to it to my prior address. " For a public sale the lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale the lender must notify you of the time after which the vehicle may be sold. In either a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount plus the repossession costs before the sale. '' This company has violated rights of the consumer which is me. I demand information on the said forth vehicle and a deficiency notice if the vehicle has been sold, how fee 's were calculated and where and when the vehicle was sold and for how much. My credit report is then for to be updated properly on all credit bureau platforms and to immediately stop reporting unverifiable information.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76132	Web
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : Dept of ED/XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy. 15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions. 115 U.S.C 1681a-5 - states no consumer reporting agency may make any items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 - section A- states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	NC 28209	Web
In the spring of 2020 I attempted to setup autopay with American Credit Acceptance and was under the impression through their website I had enrolled my debit card to auto draft on payment dates. During this time I took a long vacation, but had ensured during my extended time away I had all my financials updated and set to be paid accordingly. In XXXX of 2020 my auto loan was over 30 days behind, and the lender marked this as a repossession. At the time I was made fully aware of the situation, I paid all outstanding fees, along with my late fees the moment I found out of the issue. In doing so, I demanded that they mark this as a late payment only, and not to be classified as a " repossession '' since I was willing to pay all fees involved and this was not a result of me not being able to pay the monthly amount. They told me they would only have this marked as a late payment, and I settled the entire balance immediately. This year I refinanced my truck with my bank to get better terms, and because of how difficult everything with American Credit Acceptance had been during the time I used them as a lender. Now, I am trying to buy a house, and my credit report is showing " auto repossession '' and making it very difficult for me to get approved for any mortgages.
09/21/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 27615	Web
On XX/XX/2022, I purchased my Automobile from XXXX XXXX XXXX XXXXXXXX and signed the promissory note with XXXX XXXXXXXX XXXX XXXXXXXX. Without my knowledge, this consumer contract was sent to American Credit Acceptance. I informed American Credit Acceptance that this was a consumer transaction, and I was not engaging in any type of commerce with them since I had no contract with them. I asked for the presentation of proof and sent a letter to them. They seized my automobile without my consent, nor did they loan me any money for this vehicle. I extended my credit as a consumer and was insulted when they seized my personal property which I have security interest in. There were various discrepancies within the contract that was noted as well and they refused to resolve the matter. I mailed off a letter to the CEO and to the XXXX and did not receive a response from either of them. They have taken my personal property and I also did not receive any remittance transfers in order to make sure that the vehicle would be properly accounted for, nor did they disclose information per my request. Please see the attached letters and correspondences. They have violated the law and have not adhered to the UCC, CFR, U.S. codes which are in place to protect consumers.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94518	Web
I did not give my consent to run my credit for the following companies. 1. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 2. XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 5. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 6. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 7. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
12/22/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 63135	Web
American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. Waiting for your reply. XXXX XXXX XXXX
11/23/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	UT XXXXX	Web	Older American, Servicemember
On or about XX/XX/2020 I applied to have my existing auto loan taken over by XXXX XXXX XXXX XXXX. XXXX advised me they'd be willing to refinance at a lower rate than the current lienholder-American Credit Acceptance-but required that I obtain a twenty ( 20 ) day payoff balance from A.C.A. I attempted to login to my A.C.A. account and was denied access. phone calls went unreturned. On XX/XX/2020 I sent a written request via XXXX 2nd day air ( tracking # XXXX ) that was received by XXXX at XXXX XXXX. on XX/XX/2020. The address sent to : American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, SC XXXX is listed on their webpage as the facility dealing with titles. I advised them they had until XX/XX/2020 to respond. they haven't responded and XXXX closed my file with an 'adverse action ' report. It's my contention that American Credit Acceptance does not have clear title to the vehicle they've been collecting on and are in fact attempting to defraud me. I've never missed a payment-and chose to keep the vehicle while going through a chapter XXXX bankruptcy ( discharged XX/XX/2020 ). I'm a XXXX senior caring for my spouse who's in XXXX XXXX. If A.C.A. refuses to respond I'll block their payment access. My account # XXXX XXXX XXXX Recurring plan XXXX
08/14/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 94590	Web
Hi - I opened an account with American Credit Acceptance in XXXX.I got into a car crash In XX/XX/2020 which totaled my car. This is where everything began to go down hill with the company. XX/XX/2020 - Car Crash - reported to ACA car was totaled which was instructed by my car insurance company XXXX. - ACA - advised I should contact my gap insurance and warranty company and they would send all documentation to the GAP insurance company on ACAs behalf. ACA advised it would take about 7 business days on their end. XX/XX/XXXX - contacted Gap insurance and car insurance they advised they needed to wait on ACA to send over payment history and additional information specific to the car loan. XX/XX/XXXX contacted ACA they stated they were still in process of sending over information to GAP XX/XX/XXXX GAP insurance contacted me asking for the information from ACA required to complete the GAP process. Contacted ACA they stated they were still in process. XXXX XXXX insurance paid {$24000.00} - XXXX warranty Paid {$800.00} XXXX XXXX ( Gap Insurance ) - {$4700.00} Company did not update the information on my credit bureau which caused my credit to reflect late payments. I would like company to reflect accurate payment history. Thank you.
08/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 37042	Web
My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX XXXX XXXX and a XXXX XXXX. I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have other XXXX as well. American Credit Acceptance told me that I would not be charged a fee for retrieving my personal items from the vehicle. American Credit Acceptance is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX. XXXX XXXX XXXX hired XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX XXXX XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. American Credit Acceptance informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX thousand dollars.
10/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80211	Web
I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.
02/22/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MI 48504	Web
On XX/XX/XXXX I mailed American credit acceptance a letter asking for them to validate and verify the debt that they are attempting to collect on, on my behalf I made them aware that it is against the law to report any invalidated or missing information to major credit bureaus and that it may constitute defamation of character on my credit report. They responded XX/XX/XXXX with a letter saying after they reviewed the payment history on my account innacurate information was reported to the credit reporting agency asking me to allow them 30 days to fix the problem which they haven't they included account payments that I made and a signed agreement but still left out important details such as I no longer have the vehicle and where the vehicle currently resides and what the vehicle was sold for if it was sold which should be deducted from the balance that they report I still owe. Which falls under the commercial reasonable sale law or paying the deficiency law either one this agency/creditor hasn't provided me with neither and was fully aware that they were reporting inaccurate and incorrectly which they admitted in writing and is against the law please have them removed this debt and account from all three credit bureaus.
09/29/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 76006	Web
XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT. Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
08/09/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 15239	Web	Older American
I had a vehicle loan with American Credit Acceptance up until XXXX of 2015. Due to unforeseen family and financial issues I could not afford the payments and was coming up on being three months behind after having the loan paid as agreed for almost three years. Since I could not catch up on the payments, I requested a Volunteer Surrender. The company did not follow the repossession laws of the state of Pennsylvania. They did not tell me when they were coming by phone or in writing, I was reprimanded by the tow truck driver for not having the keys ready, and did NOT receive the required letters stating where the vehicle was to retrieve my personal items, if and when the vehicle was to be sold and how much it was sold for. The only letter I received was from them stating I owe {$1300.00}. Not knowing the law at that time, I called them to make payment arrangements, and they also gave me a settlement payoff of {$600.00} to keep the debt off of my credit report. They gave me a workable arrangement. A month later a received a letter stating my debt was turned over to a company called XXXX XXXX. I called them and they would not honor my payments arrangement. This debt is now shown as a collection account on my reports.
07/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 35404	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
09/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 27320	Web
I have received a copy of my transaction payment history with American Credit Acceptance. I got this loan in XX/XX/2019 and my payments are {$330.00} each month due by the XXXX. The interest rate is 28 % and am also under a simple interest loan with has a per diem. of {$7.00} daily interest. I have every payment and never been 30 days deliquent on this account. ACA has applied over 8 payments towards all of interest and nothing towards my principal balance. I have tried to call them and discuss this error and no one is able to assist me they keep trying to tell me its simple interest and I understand that however even though it is simple interest if I pay any payment before the due date I should have money applied to interest if paid before the due date and at no time should my full payment be applied fully towards interest if I am paying before the due date or not going over 30 days. I have tried my best to discuss this with ACA and I am getting no where with them. I work for a bank with mortgages and I know exactly how simple loans work and should apply to debt balances. Please review my payment history and have them update this payment on my credit report file as well as their file. Thank you so much!
09/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28262	Web
This started back in XX/XX/2020 that I begin trying to settle with this company, then the pandemic happen. My car that I recently purchased from XXXX went down before a year had even hit. I called XXXX to notify them of the issue which I felt had been to soon for me to experience. They stated it would be {$18000.00} to repair, XXXX stated it would be nearly {$18000.00} to repair then the certified repair shop Said it would be {$13000.00} as of XXXX. This company received all documents that requested. They called in XXXX or XXXX as the car was still down. I told them I still Wanted to settle and still was using a rental. My offer was {$2800.00}. Come today as of XXXX they indicated they accepted YET they saw the mail was returned that they sent to me with the agreement approval. The young lady stated I would receive an email as I opted to receive I didnt. After literally getting the car on the road On XXXX the car is repo on XXXX after I have just spent {$13000.00} fixing the car. All my savings. Then they dont want to Reinstate the offer of {$2800.00} ad I exhausted all my savings. The document below shows my last rental that finished out over {$1000.00}. The mechanic bill finished out over {$13000.00}
05/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 36605	Web
You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.
07/24/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 75227	Web
XX/XX/2021 I filled out an online preapproval application with XXXX XXXX XXXX. On XX/XX/2021, I received a denial letter from American Credit Acceptance stating that XXXX forwarded my personal information to them. I do not know who they are and I never gave them my personal information. This company did not have my permission to get, keep, or review my personal information. I have a right to privacy pursuant to the FCRA. They also violated the FCRA by leaving an inquiry on my consumer report. This company also violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor. Pursuant to 15 USC 1602 ( f ) credit means the right granted. 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card. 15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. On XX/XX/2021, I filled out an identity theft report on this company for the fraudulent activity theyre performing. They are acting like theyre the original creditor and thats false and deceptive because their title is lender.
06/08/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28314	Web	Servicemember
I received a check for {$20000.00} from my bank ( XXXX XXXX XXXX XXXX ) and sent it to the lienholder on my ( American Credit Acceptance aka ACA ) via XXXX ( tracking number XXXX ). ACA received the payment on XX/XX/XXXX @ XXXX am. It was signed for by XXXX XXXX. I sent it to the address given to me by customer service, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I called to follow up several times and get the same run around. Now they want the check number, which is XXXX. They are still giving me the run around as I am on the phone with them right now and have been everyday for two weeks trying to reconcile this. On XX/XX/XXXX, they sent a letter saying I was in default of the loan. I received that letter the day after I made a payment because I didn't want the account to go 30 days past due. I do not know what to do! I have had 30+ automobiles and this is the first time I have ever experienced this. I have exceeded the 10 day payoff period quoted to me and passed to my new financial institution and am now paying more interest on the ACA loan because they are claiming they do not have the check. What do I do? It seems that they are just running me around. Please help.
04/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32218	Web	Older American
I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan
02/04/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75204	Web
I am the federally protected consumer and natural person enforcing my federally protected rights. I have more evidence which shows American Credit Acceptance in violation of my rights. I previously submitted an affidavit of truth to American Credit Acceptance sent on XX/XX/2021, received by American Credit Acceptance on XX/XX/2021. This Affidavit of Truth went un-rebutted. I then sent a Notice of Opportunity to Cure and Notice of Default alongside an invoice to American Credit Acceptance. The response received left me injured as American Credit Acceptance used so much obscene and profane language by alleging that I owe an alleged debt, and stating unless I made a payment towards this alleged obligation they would repossess the vehicle, although they have yet to provide proof of the obligation which has caused so much anguish and mental stress. I am truly saddened to have experienced the torturous business practices of American Credit Acceptance. It is with regret that due to the willful noncompliance and continuous violations of my rights, I may never do business with American Credit Acceptance again. This is my final attempt to resolve this matter before litigation.
12/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91364	Web	Servicemember
My car was recently deemed a total loss due to an accident on XX/XX/XXXX. Due to hardship, I am about to deliver in XXXX weeks, I am XXXX payments past due XXXX days. My monthly payments are {$410.00} each month until XX/XX/XXXX. The principal amount currently is {$14000.00} with a payoff valid till XX/XX/XXXX of {$17000.00}. The check for the total loss pending is {$8000.00}. I am aware I am responsible for the loan. However, the rep at American Credit Acceptance in the total loss department who is supposed to be a supervisor just told me, the check will ONLY go towards the principal amount and NOT cover the past due first, that I am still responsible for the {$410.00} each month for the remainder of the loan ( XX/XX/XXXX ) and there is no renegotiation. HOW is this even possible? Why would the past due not be covered first, then applied to the balance, then recalculate the payments with a serious deduction in payments? Then I asked if someone had any intentions of calling me once the payoff is posted and she replied no they do not do that. No wonder this place has a rating of UNDER XXXX! I demand they be looked into. This company is not operating with standards.
08/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 324XX	Web
I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid my notes on time every month. XX/XX/XXXX I received a letter from them, dated XX/XX/XXXX stating that they were closing due to the death of the owner and my loan was sold to American Credit Acceptance in XXXX, SC and that nothing on the loan will change. I also received a letter from the new lender American Credit also dated XX/XX/XXXX stating they got my loan with new account number and nothing is changing and that they will continue to report my payments with the bureaus. Since they took over the loan I started asking about my credit being reported and I 've gotten told several things, they do n't report till the loan is paid off, they have been reporting it, they will check into it, then they said that XXXX motor did n't send them all the information they needed so the credit will never show and the newest one on XX/XX/XXXX is that they deleted the tradeline and my credit will never show on my reports. Since then I have asked for a letter in writing on their letterhead stating that they deleted the tradeline and my credit will never show on my credit, now they are avoiding me.
05/18/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95928	Web
When I purchased he vehicle I added the GAP coverage and also an extended warranty. Within the first 6 months of owning the vehicle there were noises coming out of the engine compartment that could be heard very loudly inside the vehicle. I took the vehicle to the shop to which they stated they diagnosed and fixed the issue. The company then refused to pay for the service even though it was covered under the extended warranty. The company then called back and stated someone called in and canceled the extended warranty off the contract. I know I did not call and do this and there was no documentation to prove this was even done. The company refused to pay for the service and continued having me pay for the warranty they claimed was removed by an unknown party. This is a breach of contract. Not only this but the problem came back, and the power also started going out on the vehicle causing me to buy a jump starter which barley worked. This is another breach of contract and a violation of the Lemon Laws in place. They have since Reposessed the vehicle even though it was without power during the repossession proving the problem was ongoing and not easily fixable.
08/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33712	Web
Hello, On XX/XX/XXXX my car was repossessed despite my payment arrangement or not receiving a default letter. After repossession I processed a payment for all of my past due balance being told that was what i would need to do in order to reinstate my loan and receive my vehicle.Still after payment there was no redemption paperwork given to me.They requested bank statements for my payment in the middle of an pandemic where all banks are closed.They have requested i go to a bank despite informing them of my COVID diagnosis before repossession even occurred projecting that i put others at risk for there undocumented request.I have asked for documentation showing where i agreed to pay them in only the form of XXXX XXXX when my loan defaults and they have failed to provide the information.My car has been relocated 1 hour from my location and scheduled to be sold despite me reinstating my loan.They are using bully tactics and preying on people trying get there vehicle.On top of there fees i will have to pay around XXXX dollars to receive my car from the tow lot despite the {$170.00} i wouldve had to pay the day i brought my account current with a CLEARED payment
04/13/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 378XX	Web	Servicemember
In XXXX of 2023 I sent the updated orders showing the military order extensions to American Credit Acceptance. With these orders it showed that the loan was still covered under SCRA. We also sent in a good faith payment to the company of just under {$900.00}. On XX/XX/2023 a towing company showed up to our home showing that they had received an order from the company to repossess the vehicle. At this time the towing company took the vehicle from our property. We have received no court documents or summons to court on this matter. We have received no notification via mail or email telling us of this after the date of our good faith payment. I had to have major XXXX XXXX on XX/XX/2023, which had me off work for quite a while and I am still only back to work part time. This has caused us financial hardship due to the lack of a XXXX income family. I feel that they have violated our right to be able to fight this issue in court or even explain why the payments had not been made by the company not notifying us of any hearings or obtaining a court order. The vehicle they repossessed is the military members primary vehicle getting him back and forth to the base.
08/08/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AZ 85282	Web
I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30458	Web
On XX/XX/, I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, American Credit Acceptance. According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XX/XX/, they reported my XXXX payment as 30 days late, which reflects their error in reporting. According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX points. On XX/XX/, I submitted a reporting dispute with the credit bureaus, XXXX, XXXX, and XXXX to have their error corrected and on XX/XX/, American Credit Acceptance updated my credit file to reflect my XXXX, XXXX, and XXXX payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. The erroneous information remains on my credit report in violation of Federal Law.
02/05/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I am a XXXX XXXX consumer and I have new evidence in regards to my previously filed complaint on XX/XX/2022 Complaint ID : XXXX. I previously stated that ACA has yet to provide me with proof of the alleged obligation, and how ACA used obscene and profane language by stating that I owed an alleged debt. American Credit Acceptance, " ACA '' responded stating, Accordingly, ACA has thoroughly reviewed my complaint and ACA account. Based on ACA review, my complaint is without merit. ACA has provided me with a copy of a consumer credit transaction which appears to be a deceptive form. Therefore, ACA has failed to provide me with the opportunity to validate this alleged debt and is continuously harassing me about this alleged debt. ACA has also used obscene and profane language by saying that, I requested to cease payment reminder calls, although I specifically stated to cease and desist communication through any and ALL mediums. I hereby want to make this clear, you may not mail me about any collection of any alleged debt, you may NOT repossess my vehicle, you may not mail me any notices until you provide me absolute proof that I in fact owe ACA.
06/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 302XX	Web
I checked the loan application along with the contract and the original loan amount and fees do not match. I reached out to the dealership, but they are no longer in existence. I reached out to their parent company and they no longer have the records. ( They were supposed to keep them for 5 years. XXXX would make 5 years. ) I asked in a previous complaint for a notarized account ledger, but was denied, which is a violation of TILA. That was regarding payments. This complaint is for the overall agreement- which makes this a new complaint. I have attached pictures of the contract and finance application that ACA- the assignee, of which was not the original seller- who bought the accountant, which makes them liable, for fraudulent accounting. The complaint is fraudulent financial practices. The contract and the application amount are different for how much the cash value is and how much was truly owed. There was an undocumented up charge to in cash value and how much was owed, and was told that {$1000.00} cash downpayment was mandatory. In this matter, I would like to see the notarized accounting ledger, and for this issue to be resolved.
07/30/2021	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60619	Web
American credit acceptance is a financial company that I used to finance a used vehicle back in XXXX. Then i started to fall behind on payments, and tried to set a payment plan with them. I was told, they DO NOT have any kind of repayment plan or refinance option at all. strange but ok, so they wanted the past due balance paid in full to make the account current that was a few grand at best. So I decided to wait for a better option, to either refinance with another company or another loan. Then came covid-19, i was laid off so no income at that time. Things were ok until XXXX on XX/XX/XXXX when my wife left home and went to a local XXXX in XXXX, IN. Upon coming out she noticed the vehicle was gone, thought is was stolen. She called XXXX to report it and was told it was repossessed. Really how? I spoke to a local police officer that was on scene and he concluded that someone followed my wife from home across state lines to XXXX to tow a car. ( stalking ) not that serious for someone to sit outside my home and wait for my wife to leave and follow her where ever she went. ( crippy ) unacceptable to have my wife stranded in another state.
08/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32205	Web
I purchased a vehicle from enterprise XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX and it had XXXX miles on it. Its is currently XXXX and the engine have blown out. I had the car towed to XXXX and which they confirmed I needed an engine replacement, due to the air compressor. Ive contacted XXXX they told me its nothing that they can do, due to the fact that my XXXX XXXX XXXX has expired. The warranty limited miles was XXXX, and I went over that by XXXX miles, that was what I was told by a representative at XXXX. I also asked to trade the car in, that request was denied by a representative at XXXX. I havent had this car for a year and Ive had to replace the starter, and now the engine is no good. I feel as if I should be compensated because, as a young adult I have made all of my car note payments on time as well as my insurance payment. Ive never been late on any payment. I do not feel that it is fair to continue to make payments on a car that is not working. What I would like to happen is that either, XXXX should repair this newly obtained vehicle, replace it or refund monies that have been paid and release me from this loan.
12/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 853XX	Web
For starters American Credit Acceptance is saying that I don't have any payments made on the car loan for a XXXX XXXX XXXX from XXXX XXXX. But if you go to their website and put in the same email address and password that I used to register with you guys, you will see under their transaction history that some of the payments were not returned to my friends who thought I was getting a raw deal. Under their transaction history there are XXXX payments of XXXX which total to XXXX then they are XXXX payments of XXXX which total to XXXX with both of them together total to XXXX and when you subtract from the price of the car there remains an overpayment of XXXX. Since I made two payments with my chase account and my friends all used XXXX XXXX XXXX they are saying that I didn't make any payments for the car which I did. I expect to receive the refund by cashier check and the title of my car within the next week or two since it shows that they are in complete error of their data unless they are hiding something from me that they are not showing on their website which is fraud that in itself. Please help me out with this. Thank you.
06/12/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91764	Web	Servicemember
On XX/XX/XXXX I went to XXXX in XXXX California. XXXX XXXX XXXX XXXX XXXX. XXXX, CA,XXXX. I brought in my fully paid off XXXX XXXX. I wanted to trade it for a car that was much less expensive on insurance since the XXXX being a luxury vehicle I was paying XXXX $ a month and I could no longer afford that. XXXX offered me XXXX $ I accepted. The same day I found a XXXX XXXX XXXX that wa 's a little less then XXXX . XXXX gave me a check back for the remaining posture equity I still had. One day my car was gone. It was repossessed. XXXX lied and said there was a loan .which there never was one never needed one never talked about one nor is it any where on all of my credit reports. I believe the car they sold me was a car someone traded in that still owed money on and they didn't know untill it was too late so they manipulated the contact saying " I asked for money back and took a loan on the rest '' WHICH IS NOT TRUE NOR DOES IT SHOW UP IN ANY OF MY CREDIT REPORTS.XXXX have scammed me out of XXXX $ and my car. I have sent them the proof and go in and they lie and say they will help me and never do.Please please please help!
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30005	Web
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. I have sent a letter to XXXX on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ). Those inquiries were not removed. I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. Disputed inquiries to be removed immediately : AMERICA CREDIT ACCEPT on XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX
07/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28217	Web
Lenders Name : American Credit Acceptance APR is consistently 22 %, Since 4 years ago ; When my Credit score have increase since then. I tried to work out something that could help me pay loan down, but it is not allowed. There Policy says that they can repo my car within 3 to 6 months of past due payments but they manage to repo the car within 2 months behind. I would of thought they would refinance my loan after a year or two but i guess i have to let them know to refinance. I complain how i had to do repairs on the vehicle which lead for me to be behind on the loan. I have receipts that will prove that i put in double cost of repairs then what i need to make a payment. I tried to get rid of the vehicle because it was a lemon when i start driving it within the first month. In the past, i had representatives that told me wrong information about where my vehicle was when it was time to repossess my vehicle. The representative had me go 3 hours out of where i live to pick up my vehicle, just to find out it wasn't there. It seem like they didn't want to hold themselves accountable for what they put me through.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NE XXXXX	Web
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
03/17/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WA 990XX	Web
I was accepted for a car loan through American Credit Acceptance in XXXX. The amount loaned was about {$8000.00} at a high interest rate. It is now XXXX and my work has been affected by the pandemic leaving me unemployed for about half of the year in XXXX. I have paid over {$12000.00} on my car that is now only worth {$2500.00} according to XXXX. I offered to pay them {$3000.00} coming to over {$15000.00} to settle and pay off the car in full. They rejected my offer after explaining my situation and that i have paid over {$3000.00} in repairs. I can not refinance the car due to its age and mileage. When i called the pay off was {$5400.00} and even though i have been affected by this pandemic they still did not accept my offer. I believe this is Bad Business Practice as i have already paid so much over what was loaned and what the car is worth. I do not want to file for Bankruptcy so please be more compassionate during these times. I offered them more than a fair amount only to get rejected and taken advantage of. This is a Predatory company taking advantage of people who are already going through hard times.
05/24/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33647	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I have disputed these items with XXXX and XXXX in the month of XXXX, XXXX and XXXX of 2023. I have called American Credit Acceptance in XXXX of 2023. I'm attaching a letter that was sent the above address above stating that it American Credit Acceptance is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( Me ) XXXX XXXX XXXX and American Credit Acceptance should not be INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
01/09/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85745	Web
On XX/XX/XXXX, I purchased a used vehicle with XXXX miles on it from XXXX of XXXX in XXXX, TN. The Bank that financed the vehicle was American Credit Acceptance. The amount financed was {$12000.00} and the Bank charged me an interest rate of 28 % stating the the finance charge would be {$13000.00} for a total car price of {$26000.00}. I signed the agreement not knowing what was and/or are legal interest rates for consumers to be charged. It seemed high, but I needed the car. My first payment was due on XX/XX/XXXX and since that time I have paid American Credit Acceptance {$10000.00}. Due to my work schedule in XXXX, my payments have been more sporadic. An online consumer law attorney told me that the statute for interest rates in the State of Tennessee is 8.75 %. They have charged {$7000.00} more in interest than the 8.75 % statute allows. The car 's current XXXX XXXX XXXX value is {$2100.00}. Yesterday, the car was repossessed due to missed payments. Had the interest rate been more in alignment with the rate listed in Tennessee 's Title 47 ; Chapter 14 statute, none of this would have occurred.
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 233XX	Web
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
12/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77077	Web
I am continuing to have issue with this company, and their reporting each month. For the last couple of months I have to call, and complain several times to have my account updated. I made a payment on XX/XX/XXXX and an additional payment was made on XX/XX/18, which made the account paid in full. I have paid off all accounts with this company ; however, it is still showing a balance as of today for {$9100.00}. My account is still reporting incorrectly as of XX/XX/18. On XX/XX/18 I was told by a costumers representative and a manager XXXX that my credit report would be updated on XX/XX/18 reflecting a paid in full amount. I was told it would have to be manually reported. The supervisor also stated she would submit a compliant to the credit-reporting agency. The only way this compliment will be solved is if my account shows paid off in full. This is affecting my life big time. Its showing that I owe so much money and making my debt to income ratio high. I am trying to move into a house, however the processes is delayed due to this account. I was also told I would be given a payoff letter by email.
04/19/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32701	Web
I spoke with representative from the company advising them that I had been very sick and was in the hospital. Currently out on a leave from my job. I asked them if they could help me out with the covid19 situation thats going on right now. The first guy I spoke with said that hes notate my account and try to work with me. The very next day, another representative from this company who was very hostile and rude basically told me that they arent helping me and I would be getting daily late fees. DAILY LATE FEES DURING A WORLDWIDE PANDEMIC. I truly dont understand who has a heart to not want to help their customers. Providing information on covid19 on their website but not helping ANYONE. This is a very tough time and their actions shocked me. I ended up having to take out a loan from my 401k so that I could try to make the payments. Companies like this SHOULD RECEIVE NO BAIL OUT/STIMULUS MONEY because they are NOT for the people. Can you please look into the complaints and see how they go about running their fraudulent business adding numerous fees, and ridiculous interest rates?
10/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29640	Web
I had a loan with American credit acceptance, not long after I got the car, I lost my job, fail behind, keep paying and paying and then had to refinance to get caught up.. Then I got XXXX I missed two weeks of work, holidays hit. I got behind but I was paying {$100.00} or more every time I got paid. I dont know what kind of interest charges I was paying. Cause it was like nothing I was giving was going towards any of my payment. They kept telling me I was two and three months behind. Would not work nothing out with me. Then next thing I know they picked up my car.. Ive emailed them several times. Got nothing. I kept asking for number for the local office but i would get told there was not one. I bought the car at XXXX finance through American Credit Acceptance. They pick the car up about 2 or 3 months ago. I dont know what to do. They know pandemic hit. And everyone was struggling. Also I informed them over and over I work third shift. It was hard for me to call them before they closed. I even tried reaching out to someone on their XXXX account. But would never get a response.
12/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 85259	Web
I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77388	Web
For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to American Credit Acceptance within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.
08/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DC XXXXX	Web	Older American
My car was repossessed XX/XX/XXXX. I was not notified by American Credit Acceptance as required by law of a repossession. On the morning of the repossession, I was told that I was notified and I wasn't notified at all. In addition, I inquired as to the location of the auto and was told that I could not find out because they don't want me to know where the car is. I received a letter in late XXXX from American Credit Acceptance that the car was in Washington DC. On XX/XX/XXXX, the vehicle was transferred to XXXX, VA ( XXXX miles away ) to be placed for auction. I was unaware that this was going to happen. I found out on XX/XX/XXXX, that my XXXX XXXX XXXX had been moved to an auction lot. American Credit Acceptance has cause a lot of unnecessary trouble. Now, in addition to having to go without my vehicle, AMERICAN CREDIT ACCEPTANCE has reported to XXXX, XXXX AND XXXX that the account is CLOSED and that I have a " foreclosure ''. My account is open and I have a payment arrangement to get my car back, although it is an overpriced arrangement. Please help.
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77449	Web
I submitted complaint number XXXX in XX/XX/2022. And somehow It was marked a duplicate. The complaint sent to the CFPB on that day is certainly not a duplicate. In regards to the complaint I submitted to the CFPB portal, I mailed an affidavit to this company and made it clear to them that I was exercising my my right to opt out. Section 1016.7 Form of opt out notice to consumers ; In regards to section ( iii ) of that law, Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. The affidavit was certified mailed to the financial information and according to my certified receipt, it was delivered on the the XXXX of XXXX. As of today, American Credit acceptance has not yet honor their legal obligation.
11/06/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 336XX	Web
I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.
11/23/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 90066	Web	Older American
I have been making payments since XX/XX/2018 to American credit Acceptance ... monthly {$610.00}. not always in a timely manner ... but kept communication open and in good faith kept all arrangements regarding dates agreed on to get account current..total paid to date is {$15000.00} ... {$14000.00} was taken and applied to interest only ... .this is the amount applied to principal {$890.00} ... .how is this legal?? Also, I was never given a separate document to sign regarding a " 2-day '' option to cancel contract ... I am so distraught and feel that there is serious deceit and fraudulent practices by this company ... they have purposely lied to me on the phone making me believe that my account was current when payments were made and never once did anyone, in my many many phone calls, divulge or inform me that 96 % of my hard earned money was going straight to interest ... no words can describe how I feel ... they are deceitful..and taking money fraudulently without any regard for the law and laws that are suppose to protect the consumer. Please help ...
07/24/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AR 72209	Web
On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! Thanks for your assistance!
05/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 139XX	Web
ACA did not apply payments correctly to account which resulted in inaccurate " late '' payments, delinquent status, and repo order. Paid 3 months in XX/XX/XXXX for XXXX, XXXX, and XXXX XXXX to XXXX only and interest. All payments on time but reports show 7 lates. Request for deferring in XX/XX/XXXX not honored as told if I made a payment by XX/XX/XXXX which I did. Denied deferring again in XX/XX/XXXX due to delinquent status. Payment canceled in XX/XX/XXXX by ACA after putting loan in repo status. ACA rep rude, wouldn't connect me to reinstatement dpt, and hung up on me. Motor seized and upon calling ACA in XXXX was just told I need to make payments or car would be repossed. Late hx, status, and incorrect balance on all 3 credit reports can not finance another vehicle or get a loan. I called the reinstatement dpt who just kept trying to collect money. She finally said I can send a repair estimate over and they would deduct that from what I owe. Then the difference between what I owe and the kbb value of the vehicle can be negotiable to pay off loan.
02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98801	Web	Older American, Servicemember
ok here goes each time some one applies for a loan, or any type of thing you get you credit score lowed.. so does that person get there score back no .... so why does some one have to have a lower score ... and have to wait 2 years to get it back. and why does it take so long to just talk or put in paper work to get it back .Q : have you every asked for help in any way ... so now be honest have you ... going for a loan is like asking for help so each time you do your credit score goes down on my turn down letter it says Number of recent inquiries ... funny when i ask for help i get a ding that ding is there for 2 years so i am going to sue this place and the company and the credit places, why is it that a persons credit goes down and why does a person have to Waite so long to get it back agene if you need help and can not get help i Quess you are out of luck ... right the company told me i have 38 ... 38 serious delinquency 's funny i have a son with my same name am i getting his to.. i know he uses my name dob, and all my things funny very funny
01/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27613	Web
American Credit Acceptance reported my account to all 3 credit reporting agencies as delinquent pays 30-60 days late when in fact they have been receiving regular Monthly payments! Called on XX/XX/2020 spoke with a XXXX and was informed that they reported my account as delinquent because the balance of my loan had reached its maturity date. I never received any information that American Credit Acceptance would ruin my credit rating if my account was not paid in full by the maturity date, especially considering I have been making regular payments. I currently owe a balance of less than {$500.00} It should not be fair for a creditor to be able to report to the 3 credit reporting agencies that an account is " delinquent '' when that creditor is in fact still receiving Monthly payments! Showing an account as delinquent implies that there have been no payments toward the balance at all. This issue has caused me to be denied a loan for a mortgage due to the delinquency info being posted to my credit report just as my loan was going to underwriting!
08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NC 27105	Web	Servicemember
I bought a car in XX/XX/XXXX and was financed by XXXX XXXX. XXXX XXXX sold the loan to American Credit Acceptance in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. XXXX XXXX never reported selling the loan to American Credit Acceptance to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
01/31/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46222	Web
I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20850	Web
At the beginning of the COVID-19 Pandemic I spoke to a representative on American Credit Acceptance about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that American Credit Acceptance be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
07/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77090	Web
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have this account removed immediately from my credit reports. Account # XXXX
11/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32301	Web
My daughter car was repossessed in XXXX of XXXX and which I co-signed for. Before that she had tried to work something out but never did. The next week it was repossessed. We were going to get it back but later found out they shipped the car to XXXX, Georgia after we were told that her car would remain in XXXX, Florida. She picked up a small portion of her belongings from the tow company and had so much more inside of her car. Until this day we do not know what happened to her belongings. There was a lot of value in there and nobody seem to know where what happen to her items. The car was sold and they're still requesting we pay {$13000.00}. It's not fair for us to pay that amount and on top of that they lost her items. She had several pair of shoes, XXXX, and that's just to name a few of the items she had in her car. I do not have the money to pay for this and neither does she. Even though I have a car loan with them after the fact but I still think this item need to be removed from my report. Please Help us with this situation.
07/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21222	Web
I just contacted XXXX XXXX XXXX to obtain a loan for a new ( used ) car. My credit score and situation is because of intentionally delayed unemployment spanning over the last 5 years that destroyed my credit. I was approved for the loan Reference # : XXXX through several banks under American Credit Acceptance . But I am being told I have to put down {$1000.00} in order to go ahead with the loan as a form of collateral. I don't have {$1000.00}! And I should not have to put down {$1000.00} in order to get the loan. To top it all off, they wanted to give me a XXXX XXXX interest rate, which is ridiculous. That interest rate is because of my governments negligence of processing anything in a timely manner. And I shouldn't have to sue them to get anything out of it. I'm a single female, making roughly {$66000.00} a year and they are requesting either a {$1000.00} down or a co-signer. I should not have to do that! That is discrimination! I have the means to pay the payments myself. I'm in this situation because of my government.
09/15/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 63135	Web
I purchase 2012 Honda Civic from XXXX located at XXXX Mo. XXXX. The finance man XXXX got the worse financing at 28 per cent from American Credit Acceptance XXXX, SC XXXX. XXXX got financing with a credit score of XXXX my credit score is XXXX for XXXX. The car was financed at {$7100.00} at {$250.00} for 48 months for total payment of {$12000.00} with my Down Payment of {$2000.00} for the Total Price of the Car {$14000.00}. I feel XXXX from XXXX got to be the worse finance man in use car history because I know of no one who has 28 % interest on a car loan. I want an investigation into XXXX and American Credit Acceptance. Also XXXX advertised the 2012 Honda Civic for {$7900.00} but in small print that was the price if you paid in cash that was pointed out to me by XXXX the finance man after I informed him they over charged me {$1000.00} for the vehicle. XXXX stated because of my poor credit score the price would be {$8900.00}. I want an investigation into XXXX and American Credit Acceptance. Waiting to hear from you. XXXX
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 761XX	Web
American Credit Acceptance FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. American Credit Acceptance was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.
02/27/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 34953	Web
5 years ago, I purchased a XXXX XXXX with XXXX XXXX the loan was with American Credit acceptance for {$11000.00}. I've been making payments on the vehicle for about 3 and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called XXXX XXXX XXXX XXXX saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92040	Web
In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with American Credit Acceptance ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 303XX	Web
Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting American Credit Accept, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? I greatly appreciate your assistance with this matter. XXXX XXXX XXXX-
06/11/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77433	Web	Servicemember
AMERICAN CREDIT ACCEPTANCE HAS REPORTED THE WRONG PAYMENT INFORMATION CONCERNING MY ACCOUNT. I VOLUNTARILY ASK THEM TO PICK UP THE CAR AFTER I COULDN'T KEEP UP WITH THE PAYMENTS DURING COVID 19 2020. ONCE EVERYTHING WAS SHUT DOWN MY HOURS WAS WAS CUT IN HALF AT XXXX. I WAS ONLY ON PART-TIME HOURS TO BEGIN WITH. I PUT XXXX DOWN ON A CAR THAT WAS ONLY XXXX PLUS TAX. I MADE A TOTAL OF XXXX XXXX A MONTH AND SOMETIMES I HAD TO PAY EXTRA FOR THE LATE FEES. AMERICAN CREDIT ACCEPTANCE FINANCED XXXX PLUS ALL THE FEES, TAX AND GAP INSURANCE WAS INCLUDED. THE TERMS WAS FOR 6 YEARS @ 24 % INTEREST. I ONLY HAD THE CAR FROM XX/XX/XXXX UNTIL XX/XX/XXXX. ACA HAS REPORTED TO THE CREDIT BUREAS THAT I OWE XXXX. I PAID A TOTAL OF XXXX WITHOUT ALL THE LATE FEES BEING ADDED. ONCE THEY PICKED THE CAR UP FROM THE AUTO SHOP THEY EVEN TRIED TO CLAIM IT WAS DAMAGED TO MY INSURANCE COMPANY [ XXXX ]. BUT I TOOK PICTURES OF THE CAR THE DAY I RELEASED TO THE AUTO REPAIR SHOP.TO PROVE OTHERWISE. AMERICAN CREDIT ACCEPTANCE IS A TOTAL FRAUD.
09/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28403	Web
My issue is with American Credit Acceptance i puchase the car. XXXX XXXX XXXX from XXXX XXXX in. XX/XX/XXXX. The car was in the shop the first week i thought it would be fine but after that it was in the shop at least 5 times the first year it was a lemon car and they knew that i aksed them to drop some of that high insterst and payment so i can pay it off i surrendered. the car in XXXX soon as it passed inspection the DMV said its worth XXXX Dollars its still sittng in the mechanic shop for months they still billing me and messing with my credit instead of getting thr car fix and selling it i have paid them over XXXX dollars and they can sell that car and get the rest of they money cause they still saying i owe XXXX after paying all them payments and that money. they are crooks and they better work something out with that mechanic. that storage fee and get they lemon car cause they not going to get one dime from me im through with that car and them let them bother XXXX. thats who they bought the lemon from
04/16/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 96007	Web	Older American
XXXX was the financing agent, they gave financial advice, saying that I would easily be able to purchase the van immediately with their high interest loan, then obtain financing from the XXXX XXXX XXXX XXXX the next week, however when I went to the XXXX XXXX they said that I could not finance the loan because of all the add-ons had pushed the finance amount far above blue book. Over XXXX and permanently XXXX, only social retirement and my XXXX pension as income, I did not mean to spend as much as my house payment on a high interest car loan. I have been paying XXXX XXXX dollars a month for months and the principal is not even paid for yet and the van is depreciating rapidly, the interest payment seems to be {$360.00} per month so I can not address the principal. I knew the car payment was XXXX dollars, however I did not imagine that this was only the interest payment and the principal was never to be paid off, or I could have just leased a vehicle, I would never have gotten into such a bad deal as this!
01/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30038	Web
American Credit Acceptance Is taking advantage of Individuals that are In need. They set payments way out of reach for consumers. I tried to get them to lower my payments. I purchased a new/used vehicle from a dealership and the finance company that would accept me because I had poor XXXX XXXX. They knew that I wouldn't be able to afford the car and not allowing me to lower my payments to keep the vehicle. The price of the car was {$28000.00} with my payments being {$990.00} they tack on a {$490.00} late fee. Tried to speak with them to keep payments and I was offered an extention that allowed me so relief but then i got back behind because the payments were out of reach. the vehicle is a XXXX XXXX XXXX valued at XXXX but they added fees to exceed {$34000.00}. They came and repossessed the vehicle. I think they are ripping people off and not trying to work with them to keep the vehicle. I saw where there was another company with a simular name with a law suit out of New York doing the same thing.
10/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	KY 40515	Web	Servicemember
Hello, I purchased a car from American credit Acceptance. When I purchased the vehicle, it was right in the middle of Covid. I was advised by XXXX XXXXXXXX it was 11 percent interest rate a month. I have been paying on the car for over 2 years, and paid about {$15000.00}. I noticed that only {$2000.00} went to principal and the rest to interest. I called the company and they advised me that the loan is for 56 % a month!!! I advised them I never agreed to that and they refused to help in any way. With such a high interest rate I called them and told them I would like to surrender the car. They told me it was fine, however they did not do a self surrender, they repossessed the car, and told me I had to pay all the fees. My husband is XXXX, he is XXXX. With only myself working, I would have never agreed on 56 int rate. I do not know what to do. I just need someone to help me. I worked so hard for this {$15000.00}, and it all went to garbage, and the car is gone. Please help me. Thank you in advance.
04/25/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 78412	Web
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX and fell behind on payments. My account was then sold to XXXX XXXX XXXX in XXXX, tx. I paid off my account with them in XX/XX/XXXX and spoke to the manager there who assured me my title would be mailed in 6-8 weeks. I waited 10 weeks and did not recieve my title so I contacted them again. They told me my account was transferred to American Credit Acceptance and that company now had my title. I contacted American Credit Acceptance and they told me I owe XXXX on my vehicle still and will not release my title until it has been paid in full. They also threatened a reposession of my paid off vehicle. They said I needed to dispute the amount owed with XXXX XXXX. I have all bank account statements and payment information for the payments of my vehicle. I feel they are trying to swindle me out of more money that I do not owe. I did contact XXXX XXXX acceptance after this conversation and the manager assured me that my account had been paid in full.
11/03/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DE 19709	Web
Debetor 1 : XXXX XXXX Debetor 2 : XXXX XXXX Chapter XXXX Bankruptcy Petition Filed on XX/XX/XXXX Attorney Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DE XXXX Trustee Info XXXX XXXX XXXX XXXX , DE ( XXXX ) XXXX CLAIM DETAIL Claim Number XXXX Claim Description SECURED VEHICLE XXXX XXXX XXXX Account Number XXXX Claim Filed Date XX/XX/XXXX CREDITOR INFORMATION Creditor Name AMERICAN CREDIT ACCEPTANCE Mailing Address XXXX XXXX XXXX XXXX. XXXX, SC XXXX Payments have been made to creditor American Credit Acceptance, monthly as provided in account ledger under the repayment plan chapter XXXX. Most recent payment XX/XX/XXXX In XX/XX/XXXX or XX/XX/XXXX, creditor American Credit Acceptance repossessed vehicle and later released vehicle after phone call from customer. XX/XX/XXXX creditor American Credit Acceptance again repossessed vehicle. The repossession of the vehicle causes unnecessary infringement on customer, whom is under terms of contract and repayment plan with bankruptcy.
06/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33326	Web
On XX/XX/XXXX, I spoke with a representative XXXX at American Credit Acceptance. She assured me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX marked as late on my report. I paid each of those months and tried to speak with credit American Credit Acceptance and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 4 payments should not be reported on my credit report as late. American Credit Acceptance has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.
04/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29730	Web
XX/XX/XXXX I was behind I paid high late fees $ XXXX $ XXXX.supposed got loan caught up. Because of hurricane Florence in XX/XX/XXXX. Auto payment 's $ XXXX.interest rate 28 %, they said it's daily rate. But it supposed been annually rate. XX/XX/XXXX we paid $ XXXX.by due date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, paid $ XXXX.but they keep calling saying never got payment. Like always they sit on check, pertent it got lost. They due this few times to me. So I cancelled out check, then send USPS over nite, then they run other check. Trying to collect twice, and send other cheek through. XXXX XXXX XXXX XXXX XXXX, is not worth $ XXXX $ XXXX.after buying it, XX/XX/XXXX, from XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX, Utah . 5yr loan it's been XXXX making payments to American Credit Acceptance, never get credit for paying more on loan. I made way to many complaints to FTC, CFPB, XXXX, but as i sent information to the President last year these companies are not protecting the consumer like me.
11/14/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 63135	Web
I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017. American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car. Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car. I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it. Waiting to hear from you. XXXX XXXX
07/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60651	Web
I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 ) requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	SC 29418	Web
I purchased my car four years ago with American credit acceptance it was my first time financing a car and I had no idea about interest rate mine was 28 % which is now 29 %. Ive been paying on my car for four years and my principal balance is currently still the same. I could call and ask how much do I owe no one can tell me besides the fact that Im currently paying interest. When I asked when will I be done paying interest I get no answer because they tell me they dont know the interest doesnt go away. So for four years Ive been paying on a car with no real time as to when Ill be done so Im pretty much stuck in this situation with no way out. Either Ill lose my car in the money i put into it or Ill forever being paying on a auto loan because I was took advantage of by dealerships and finance companies whos agenda wasnt to help me finance cheaper and have a opportunity to get a car but to keep me stuck with my back against the wall with a auto loan Im never able to get out of.
07/07/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29045	Web
We have an auto loan with American Credit Acceptance. We have made a substantial principal payment in XXXX 2016. Along with this payment we made a regular one as well. Since this time we have continued to make our schedule payment on time. Upon review of a statement, we saw an error in applying our principal payment in XX/XX/XXXX. When we contacted the company, they tried to correct the error. Up on reviewing the account and trying to trade in our vehicle, we found our remaining principal balance was wrong. We contacted the company once again. The account is still not correct and we are not getting any help and the representatives speak rough English. Our last two payments have been kept ( according to the online account summary ) for interest only and this is not correct. It appears the company is trying to keep principle money for interest instead of applying as per the original contract of purchase. We need some help or will have to seek legal advice that can be costly.
01/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 808XX	Web
So on XX/XX/XXXX I made a car payment to American credit acceptance on they web payment portal. The amount was for XXXX. But on the next day I noticed it came out twice. The other being on XX/XX/XXXX. So now they have taken over XXXX from me. So I try to talk to them but nobody wanted to help solve it. So I contact XXXX ( my personal bank ) and they gave me provisional credit so I can pay my insurance with some of the money which was on XX/XX/XXXX. Recently I noticed the loan said behind and they said I took the money back even though ents fraud department has yet to give the money back cause American credit acceptance refuses to respond to me or XXXX about the situation. I got the XX/XX/XXXX payment ready but not paying it till this gets resolved. But they are claiming they never got the XX/XX/XXXX payment even though it went through twice. Would like this solved with hopefully not getting lawyer but did some research online and heard they are a very shady company.
10/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91387	Web
I financed a car thru American Credit Acceptance. When I purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called ( XX/XX/XXXX ) my finance ( American Credit Acceptance ) company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on American Cr ACPT for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
12/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89131	Web
You guys lied! I called and gave me a hard time to deal with my deferment and didnt approve me for XXXX months! Listen to the call the lady was rude and didnt want to help! ACA is willing to approve the request for a one or two-month payment extension. ACA tried to contact XXXX XXXX by telephone on XX/XX/XXXX but was unable to reach him. XXXX XXXX is asked to call ACA at XXXX regarding his request for a payment extension. The account is notated regarding this matter, but we need to speak with XXXX XXXX in order to finalize this arrangement. While ACA has initiated an investigation of the complaint, we are still in the process of completing our investigation and finalizing our written explanation. We will submit a final explanation within the response period of 60 days after the filing of the complaint. In the meantime, if XXXX XXXX has any questions after reviewing the above information, he may contact ACAs Customer Experience Supervisor at XXXX
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
I took out A car loan for American Credit Acceptance and made my payments to the best of my ability. Shortly after the vehicle begin to fail and give me continuous problems which caused me finacial hardship. I contacted the company several times advising them I didnt have the vehicle due to the motor going out after only having the vehicle two years. An agent advised me I could settle the account for A reduced amount and they would give me 60 days. I agreed & have since paid the settlement in full as they requested XXXX & the l ok an is still showing open and active. I was advised it can take 3p days to update with the credit B. However on the report it reflects 90 days past due as of today. Meaning when I agreed to the settlement in XXXX they where still falsely reporting the account delinquent. They informed me I had 60 days to pay settlement but during those days still reported me late. I have reached out and nobody has been able to assist.
04/12/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 33065	Web
I was in the process of trading this vehicle in, I have been paying on it for a little over one year. I have had all kinds of mechanical failures dealing with this vehicle. I was already {$10000.00} upside down on the loan and had to replace a few parts. I have been in touch with American Credit Acceptance since XX/XX/XXXX and I have received 10-day payoff quotes to have this trade-in properly evaluated. They have been aware since before my bill was due since XX/XX/XXXX, I was current on my car note until the XXXX 's payment, that is only one month in the rears. How does this end up on my credit report so quickly and falsely in less than 90 days and without a repossession? This seems like a move to punish the consumer for making a better trade, at the end of the day they are away that I purchased XXXX new vehicles in the month of XXXX and that they will receive the total remaining on the XXXX XX/XX/2014, which is {$18000.00} before too long.
02/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 752XX	Web
American Credit acceptance has stated that my vehicle has been charged off and due to this IRS has stated that I had a cancellation of debt in the amount of {$9300.00} and this amount was included on my tax return as income when my tax return was audited and cause me to owe {$3400.00} to the IRS. The vehicle in question was repossessed and auctioned off on XX/XX/2022. The proceeds of {$8000.00} went towards the loan amount which brought my balance to {$6800.00} and they are still billing me for this amount. Irs informed me to contact ACA to get a statement that states that the cancellation of debt was sent in error. I called them in XX/XX/2022 and the agent stated that the charges were not written off and no debt was cancelled. I reached out again on XXXX and the agent states they sent the account to a third party ( XXXX XXXX ) to collect the balance remaining. of {$6800.00} since the vehicle was sold on XX/XX/2022 and no debt was cancelled.
07/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74012	Web
My account with American Credit Acceptance was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. American Credit acceptance is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.
06/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 302XX	Web
Ive been saying I knew there were issues with my loan, and I figured it out. There was an illegal finance charge. Each state has a maximum, and they went over. I wasnt totally clear when signing, because we were moving so quickly and I was told it was how everything worked and the finance company would send over everything I needed. It took them a month to send everything over. I did not get it right away. They charged well over the {$13.00} for every {$100.00} that was a state max regulation. And I didnt know that was by year. My finance charge was for more than the ca, which is why it doesnt seem the amount is going down. Ive attempted to reach out to the car dealership, but they are no longer in existence. I reached out to the dealership that was supposed to keep their records and they said they only keep them for 5 years, but my 5 years arent up until XXXX. My issue is now with the parent company and the bank. They took full advantage.
01/17/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28208	Web	Servicemember
My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.
04/10/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33193	Web
On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress..
05/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AZ 85345	Web
I purchased an XXXX XXXX XXXX from XXXX XXXX in XXXX az on XX/XX/XXXX which I brought the car for XXXX at XXXX a month for 72 payments thru American credit Acceptance I been paying on time every month since I purchase the car and I notice my payment amount isn't going down at all barely so I called credit acceptance and the told me most of my payment is going to the principal and really not towards me paying off the car at all if I have known this I wouldn't have got myself in this type of loan the way they have me set up I will never pay off this car I even put XXXX of my hard earn money down and the car lot made me feel I will payoff this car very fast I feel I'm getting ripped off can someone please help me or show me how to refinance and get a better deal I'm a mother of XXXX and a grandmother of XXXX on an budget I didnt know all of this working and minimum paying job I would on never got myself in this financial crisis
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19140	Web
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost XXXX year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been XXXX year. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60438	Web
I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail American Credit Acceptance will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from XXXX today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.
04/17/2023	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23323	Web	Servicemember
In XXXX of 2022 I refinanced with XXXX XXXX from American Credit Acceptance. XXXX XXXX then contacted me to get the status of the title which they have still not received. My rate has now went from secured to unsecured. ACA said they did not receive the money from the check which they have stamped. I have been back and forth with them since XXXX of 2022 to get the account fixed. I have talked to many agents explaining the situation and provided the paperwork needed. On XX/XX/XXXX my car was repossessed by ACA. I was in contact with them to understand the repossession. They then explained that they have the money and it was put to a different account. They said the repossession will be put on hold while they start an investigation. They did not put enough effort into fixing this issue even with the many different people I talked to. Please help me my credit has been affected and now there is a repossession on my credit.
07/19/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	DC 20001	Web
XXXX agreed to settle my loan for XXXX XXXX, they requested that I receive an appraisal to gauge the amount of what the vehicle is worth. I went to XXXX dealerships and received XXXX online appraisal offers, XXXX additionally requested pictures of the interior and exterior of the vehicle. We agreed to settle account for XXXX, they sent me a settlement agreement which I signed and returned to them. I visit the dealership to sell the vehicle to satisfy the terms of the agreement and close the account, they report to the dealership that I owe XXXX. I called them, they only want me to sell the vehicle to a certain dealership which was not the agreement. The agreement is between me and them to satisfy the financial requirement to close the account, irrespective of if I sell the vehicle to a private buyer, a dealership or elect to keep the vehicle its my choice, theyve agreed to settle for the XXXX and they should honor this
01/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 537XX	Web
I went to XXXX XXXX to buy a XXXX XXXX with XXXX down payment. I was only presented with XXXX option to buy the vehicle even tho my XXXX XXXX was over XXXX. And I was told the rate was XXXX % and could refinance it right away with no penalty. I made the interest payment like I was told by the lender for the first 2 months and when I tried to refi the XXXX I found out the rate was actually XXXX % and that I now was 2 months late on the payments because I was only paid the interest. I tried to get the interest rate and payment lowered and was told they have no other products and that I would have to keep the loan or get it refinanced in which I cant because the payoff was higher than the XXXX was worth. Then after I paid on it for XXXX years I had to take out a loan for the same amount that I paid for it and now I am out XXXX of dollars and still paying on a XXXX that should have been paid off years ago.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30458	Web
I have called the creditor on numerous accounts to to advise them to update the information they are reporting on my credit report and instead of correcting the information they are reporting to the credit bureaus they added a false statement that said I was affected by a natural disaster. Please be apprised that American Credit Acceptance along with XXXX, XXXX, and XXXX directly violates the Fair Debt Collections Practices Act. by Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and according to 15 U.S. C 1681 Section 602 A. States I have the right to privacy and 15 U.S. C also states a consumer reporting agency can not furnish an account without my written instructions. I have enclosed the letter I mailed to the American Credit Acceptance along with a current copy of a partial copy of my credit report dated XX/XX/2023 with the disputed information highlighted.
09/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MS 39206	Web
I financed a car with car max and the loan was through American Credit Acceptance. The car was {$12000.00} and I put down {$2000.00} to lower my payment to {$370.00} a month. That would be XXXX plus loan fees at a 5 year plan.Amount financed was {$16.00}, XXXX. I have paid my payments for over 4 years and still owe over {$10000.00}. Im working on my credit and this loan is causing my credit to go down because during XXXX I got behind one month only by a couple days and quickly caught it up. They were supposed to take it off but its still own there. I have never been late again. I have already paid the {$16.00} owed. How will I ever pay this loan off? Its more now than when I got it. 4 years of payments and Im still owing so much money. This is very unethical and I had same experience with XXXX. They lend to us with poor credit knowing we can never pay these loans off hoping we will default. Please help me.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL XXXXX	Web
I am entitled to complete disclosure of the retail installment agreement made on XX/XX/XXXX. On XX/XX/XXXX I sent a letter to American Credit Acceptance asking them disclose the amount of credit I was approved for my XXXX XXXX XXXX, the amount that was paid directly to me, the amount that was credited to my account to discharge the obligation, and a statement indicating whether or not I am entitled to rebate of the finance charge prepayment. I am entitled to this information under 15 U.S.C 1638. American Credit Acceptance did not respond with this information within 30 days, and not at all. On XX/XX/XXXX I sent an Affidavit of Truth. This Affidavit went unrebutted. An affidavit unrebutted Stands as Truth. The American Credit Acceptance account reported on my credit report is fraud and must be deleted from my credit reports. The retail installment agreement is fraudulent and has never been enforceable.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 173XX	Web
I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that American Credit does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
03/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IN 47130	Web	Servicemember
I have been paying American Credit Acceptance for a year at XXXX a month. When I noticed that my loan hadn't decreased in a year. So I pulled my paperwork out. That's when I realized I was paying 26.6 % interest rate. The loan was XXXX the interest rate amount is just under XXXX. I was told my interest rate was going to be in the 18 % range. I was told my loan was XXXX. It was never explained that after it was all said and done it was going to be XXXX. For a XXXX vehicle!! I have continued to pay only to be getting no where. And when I fall behind, I am threatened with repossession ( which happened once already and I paid almost XXXX to get it back ). I don't have the best credit. But the car only values at XXXX. Which is the down payment I put down. I had just been in an accident. I was in a bad spot and feel like I was taken advantage of and lied to by XXXX and American Credit Acceptance.
06/22/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OR 97008	Web	Servicemember
While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed
02/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30311	Web
in XX/XX/XXXX I Financed a car thru American credit acceptance, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation. They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.
07/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AL 36575	Web
I bought a XXXX XXXX XXXX from XXXX motors in XXXX Alabama that recently changed their name to XXXX I immediately brought to their attention that no sooner than I drove off the lot the cv axels was shaking so bad they was about to break, there's a bad power steering leak, bad oil leak, the electrical wires has been cut and rigged. They said they would fix it ir put me in a new car which they never did, when my first month 's payment was due they illegally repossessed the car costing me {$700.00} to get it back instead of the {$300.00} carnote again I mentioned the mechanical issues still unresolved. Today I received a letter from American Credit Acceptance notifying me that apparently the carlot sold my account to them and did not hold up to the deal that they agreed to. I was supposed to only owe {$100.00} payment XX/XX/XXXX and my payoff was supposed to be {$3000.00} not {$6000.00}.
06/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22407	Web
I am writing to report a violation of : 1. 6.2-2217. Limited recourse ; repossession and sale of motor vehicle. My spouse and I purchased a XXXX XXXX XXXX from XXXX in XX/XX/XXXX that was financed by American Credit Acceptance ( ACA ). The vehicle was repossessed without warning in XX/XX/XXXX after we paid the agreed upon partial payments that ACA had been accepting. We were allowed to pay a fee and reinstate the loan. Our interest rate is 25.80 percent which we feel is due to our poor credit at the time. We had actually visited XXXX for another vehicle and was approved and then told that the vehicle ( XXXX XXXX ) had fallen off the back of the transport truck. We felt forced to just settle for the XXXX based on our credit. Financially we should not have been approved for such a loan, we could not afford it. Total, we have paid over {$30000.00} and we still owe. This is fraud.
01/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34266	Web
They have made illegal phone calls but they dont get the proper disclaimer about the information for a debt they lie to not give me a deferment. They state when I ask about doing a payment date change that they can do it but then dont apply it and wait till parentheses its past due and then lie and say sorry now you have to pay we cant do anything for you. I do have a recorded phone call that I asked permission or inform them that I am recording it the Friday amount of times they do illegal business practices as Ive seen there intentionally deceiving customers in order to fraudulently charge fees. I have images of my online account that show my last payment was the end of XXXX but a different part of the county also stateThe last time I made a payment was 90 days ago that was not 90 days of their illegally charging fees going to see for collection processes and making illegal threats
01/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20601	Web
American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.
04/15/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WV 254XX	Web
We have numerous time have call this company since XX/XX/XXXX about our account which they take us off auto-pay try repossess our vehicle knowing we don't authorized this. The company don '' t call or email or text or send a letter in the mail saying payment not been made .So they decide try repossess our vehicle saying we were 4 month late take in mind this supposed to be in auto-pay we should not had to worried about this. At this time my husband was taking care of his mom before she pass away in XX/XX/XXXX and I was working about 70 hour a week.We don't have time to look at our bank account.again the payment should be coming out of our account All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. American Credit Acceptance has there money what the problem you know this was your fault and now trying to cover it..
02/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90806	Web
I have been paying this loan since XXXX, it was for {$10000.00} to pay for a used XXXX XXXX XXXX worth {$5000.00}. Ive had to get extensions on it, especially during the pandemic closures- during which I was charged obscene amounts of interest. Ive had it repossessed once as well. Ive paid {$11000.00} on this load and still have to pay {$9000.00} to settle it for a car thats now worth about {$2000.00} ( I cant afford to make repairs ). This loans feels like it will never end. I am always late because they wont negotiate the rate, they only offer extensions and they dont tell you what they charge will be until later. Their site is also setup so that you dont see how your payments are calculated towards your loan, you only see the transaction history and the pay off/principal balance- which is only like {$100.00} less than my original loan from two years ago, {$11000.00} later.
07/11/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21220	Web
On XXXX XXXX I consumer, XXXX XXXX purchase a car through XXXX and it was finace through American Credit Acceptance. On XXXX XXXX I called the police because my car was missing. They told me it was repossessed by American Credit Acceptance. I am not sure as to why they repossessed my car ( XXXX XXXX XXXX XXXX ) I never received communication from them nor did they mail me anything pertaining to my vehicle. This is a violation of 15 USC 1666. They never notified me on an late payment. Nor make my account late or past due or their banking system. Or with the credit bureaus. This is nothing more than my rights because violated and my character being defame. Which is an violation according to XXXX5 USC 1692. This is nothing more than an billing issue. I am demanding my vehicle to return to my address that you have on file. Attached is my license to help identify myself.
11/17/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX XXXXX	Web
I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. I am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. During the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid in a timely manner.
10/12/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MO 63135	Web
I have a problem with American Credit Acceptance reporting to all credit agencies that I owe them {$8000.00}. I finance a vehicle XXXX XXXX XXXX and because of financial difficulties due to XXXX of my wife and lost income, I informed American Credit Acceptance I could no longer keep up the payments and I would voluntary surrender the car back to them. They took the car back and they are still reporting I owe them {$8000.00}. The original amount of the loan that was financed by them was for {$7000.00}. I paid {$2000.00} cash down payment. I want them to show that I owe them nothing because they have the car in their possession and they are adding more money to this account every month. I feel they are trying to mess up my credit. I need your help in getting them to correct the damage they have already did thus far to my credit. Waiting for your reply, XXXX XXXX
02/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	LA 70454	Web	Servicemember
They are saying I am 90 days past due, they are saying I owe XXXX. I made a payment last month. When I got the car repossessed the first time I paid over {$2000.00} to get it out. How did over {$1000.00} in fees get accrued from that time. I paid {$2000.00} XX/XX/XXXX and have been making payments ever since. It seems that the money is not going to the principal or payment that is due. I am under constant threat of repossession and have they have yet to explain what these fees are for. When its said and done I will be paying XXXX for a XXXX car and I wonder where all my payments went if I still owe that much. Something is going on and its isnt right. I am an XXXXXXXX XXXX XXXXXXXX veteran and I feel I am being discriminated against and taken advantage of. This situation is making my conditions worse. Stressing over something that I know isnt right. I seek justice
02/24/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 279XX	Web
I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.
05/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 302XX	Web
I have sent over requests for validation, that come back as verified, that have not followed 15 U.S. Code 1692g. Most recently, I sent over my final request, which asked for a notarized account ledger, which was received on XX/XX/2023, by at XXXXXXXX XXXX, and I have yet to receive any correspondence back from them with the requested information, which states that it is not a refusal to pay, but a validation of the debt is needed to go forward.Due to the fraud that has occurred, at the expense of the illegal disclosure of my information, I am checking all accounts for their validity. I have also disclosure in the up-to-date notarized letter that they shall receive, that I have not given authorization to provide my information with a 3rd party, as that is a direct violation of my privacy. Codes 15 USC 1692 ( f ) and 15 USC 6802 ( b ) should be consulted.
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06770	Web
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX and they are refusing to remove these fraudulent account as well as XXXX and I am not able to gain access to XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
12/18/2018	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 714XX	Web
On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed
11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I received my credit report and there was unkown inquiry from AMERICAN CREDIT ACCEPTANCE. I did not give written consent to them. I wrote a letter sent it ceritified mail. Asking for proof and verification validation wet ink signature giving the permisible purpose to do so. To send all proofs and supporting documents per FCRA. They sent me a letter blaming another company and they sent no proof. Just a letter say THEY did it but XXXX MADE THEM DO IT. Tat is not the law. I called today was on the phone with operator XXXX for 10 min. She had no file on my name. No accounts no purpose. I waited 20 min for manager he was to busy to talk. I wan this fraudulent inquiry of my XXXX and XXXX its hurting my score thus hurting my life. Please remove at once. Thank you P.s as for XXXX they were contacted and had no information. It was too far back they said.
08/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19604	Web
I am enrolled in auto pay with this company, due to system issues they have failed to draft my account on the payment date. I called the company and they confirmed and reassured me no payment was due. Today XX/XX/XXXX I noticed that auto pay did not draft again and gave them a call. They are telling me I am behind 16 days because of an issue on their end. They did not disclosed any issues to me! I live paycheck to paycheck and now I am behind on my payment and can not pay it! This is the XXXX time this happens since the loan was sold to this company without my knowledge in XXXX! I do not want them adding payments to the back of my loan that matures in XX/XX/XXXX I want the tittle to my car and this loan account CLOSED! I do not want to deal with this disgrace of a company. I never had any issues prior to American Acceptance managing my loan!
07/22/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 95204	Web
On XX/XX/XXXX I paid XXXX cash on my auto loan which was at 28 % in California, an amount higher and in direct violation of usry laws in my state. I paid the loan off on XX/XX/XXXX, its still open and my XXXX balance account is charging me a normal monthly payment of XXXX and they keep saying they're going to report it to the credit reporting agencies, they e told me it's closed, but when I log in to the account it shows that it's open.. this company is notorious for repossesing cars on paid accounts. They've said they would close it but No attempts have been made in over a month. They won't close it. I've called and support chatted with them 5 times in the last month. This company is a fraud and they are running my credit. How can they get away with charging me {$260.00} on an account with a I balance that they refuse to close after payoff.
09/12/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web	Servicemember
In XXXX of 2017 I reached out to American Credit Acceptance in attempt to resolve the matter of a late car payment. My car payments have always been on time. My car was stolen and I was unable to locate the car and made the company aware and they did not care they kept trying to seek payment on a vehicle I did not have and threatened to report payment history to credit bureau and threatened to take me to court. Again I told them the car was stolen, whoever stole it got it towed and the car had vehicle damage in which it was still covered under the GAP insurance so it was covered. This was made known to the car company and still they sought payment. We agreed on an amount and i paid them settlement offer and they still refuse to remove from my credit report and close account. It is unfair, I was a victim of car theft and identity theft!
08/11/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	LA 705XX	Web
I had a auto loan through American credit acceptance for a truck purchased in California. A month after purchasing the truck we moved from XXXX XXXX XXXX in XXXX XXXX The loan was paid off on XX/XX/XXXX. At the time of payoff, I called ACA and confirmed the title would be mailed to me at my address in XXXX where the truckis registeredandinsured. I was assured it would be sent XXXX to my address. I have contacted ACA 8 times to now be told it is an electronic title that was released to the state of XXXX I do not live on XXXX. I've not been able to contact XXXX XXXX XXXX is on the same electronic title system. XXXX was able to find the electronic title but it still has the lean on the title. When I call to speak with ACA they say they have done their part. Now, I don't have a title and have no way of getting a title to a XXXX truck.
06/03/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30260	Web
Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76013	Web	Servicemember
I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19145	Web
I had a load with America credit acceptance. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.
12/30/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MS 390XX	Web
I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.
10/12/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MN 55033	Web
I had to take my car in because i was having multiple issues wirh it. I vocolized this within the three month period XXXX XXXX with no results from it. But then as i drove it multiple more issues happened. And that was after the 90 day term. I was very confused and upset Bout all the issues i started to notice. I continued to XXXX the vehicle to. Mechanic with out any income of the situation. Then i resorted to looking in my owners XXXX. And thwre i found an invoice stating the the electrical issues needed to be assessed. I have it on the invoice from the XXXX XXXX. Which inturn could have been the whole problem from the start. So trying to fix it drained all my means to pay the payments. So i defaulted and tried to access the website to email them and my account was locked. Then they repossessed the vehicle.
07/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94547	Web
I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20603	Web
I purchase a car from car max in XXXX for XXXX dollar. I had the car until XXXX was repossessed. The finance company was XXXXXXXX XXXX. I get a credit alert that collection agency was XXXXXXXX XXXX I never received anything about how much the car was sold for or nothing. I call XXXXXXXX XXXX to see why it was on my credit for owning XXXX its no way I had this car for 6 years and still own this amount. So I agree to pay XXXX a month and reduce to XXXX was the agreement but they still have it on my credit for XXXX its making my debt on my credit high. I just want to know how much is actually own and what can I do to get the XXXX off my credit. Im trying to resolve this matter. I also reach out to credit bureaus and file a dispute and they said its accurate its no way XXXX is still owe out of 6 years. Thanks
02/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 76180	Web
This contract is void .... Car not sold as priced on website or as discussed deal was under 10000, XXXX was the price discussed. Protection plan added to life of the loan over a term of 72 months, finance charges totaling to be XXXX witch was not agreed to. Please remove all Protection plan cost and request re-write of loan agreement to price listed on webpage as of the date of purchase. The term of loan on contract is 72 months, on the billing statement it says 73 months. Please remove all extra charges and protection plan, re-write the loan at purchase price and term agreed and if possible maybe even 60. I was thinking the amount I saw included interest and fees until i got the bill in the mail. Thank you. XX/XX/2020 .... ( lender ) American Credit Acceptance ( Dealership ) XXXX XXXX, XXXX XXXX XXXX, TX
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95391	Web
I have an can loan that I made a payment arrangement with due to covid, they said that it would not report to my bureaus, and reported it " affect by natural disaster '' AND reported it as 30 days late! I was in the middle of purchasing a home and got declined due to the late as it dropped my score by XXXX points. They made a covid arrangement with me on the payment and then STILL reported me late as they assured they wouldn't as it was due to covid. I have never been later ever and it was just for one month. They said they could remove the " affected by natural disaster '' on their side and would dispute it was the bureau but I never did and it wasn't changed. They said they are not allowed to just remove the lates on their own and I need this fixed immediately to have any chance to save my home loan.
08/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90047	Web
On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.
06/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48219	Web
I the consumer and natural purse on was denied credit by XXXX XXXX XXXX XXXX and American Credit Acceptance LLC when I applied for a XXXX XXXX XXXX XXXX. I would like to address the Adverse Action against a consumer is against the LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C 1961k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Credit Acceptance LLC due to the response I received. Both XXXX XXXX XXXX XXXX and American Credit Acceptance is in violation of 15 U.S Code 1642, U.S.C 681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. Further more because I extended my ssn and received no benefits and Wrongly denied credit.
03/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30033	Web
American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.
01/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MN 561XX	Web
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX Installment Sales Contract was executed form American Credit Acceptance LLC for XXXX i have made XXXX payments of XXXX totaling to XXXX and a down payment of XXXX I looking over my contract I realized the contract was fraud and i am over paying on a used truck and they were in violation of 15 USC 1601 truth and lending incorrect disclosures 15 USC 1605 Determination of finance charge I was not required to put down a deposit which I did XXXX as 15 USC 1635 I was never informed my right to Rescission and that's just some of the violation I have sent certified letters to American credit Acceptance CEO and AlsXXXX XXXX XXXX XXXX informing them of these violations and laws that they have broken and I have not gotten a responds.
11/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
03/10/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MI 48235	Web
American Credit Acceptance ( ACA ) arranged for my vehicle to be repossessed. XXXX XXXX is the company that towed it. They broke my door handle off while it was in their possession then hid it so I didn't find out until hours later. I contacted ACA who provided contact information for XXXX XXXX XXXX. I sent an email, as I was instructed to do, with full details and photographic evidence. This was all on XX/XX/XXXX XXXX says there is no evidence and denied my claim on XXXXXXXX They're saying to address the issue with XXXX- the company that hid the damage so, obviously, had no intentions of holding themselves accountable. The XXXX site has TONS of complaints about this company denying claims for damage done by their agents. They need to be investigated to the fully extent.
06/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	UT XXXXX	Web	Older American
I thought i sign agreement document when i purchase auto, Ceas & Desist letter? As i been hurt on job, waiting for unemployment back pay over $ 13k, Stimulas check came late and American Credit Acceptance offer me to pay back payments due in XXXX XXXX about {$1700.00}. and i email Supervisor XXXX XXXX ehere can i drop off car.Since they wanted to much all at once i think it was about XXXX XXXX i ask.But got return email to call but i have no phone service at the moment.I offer about in XXXX XXXX after getting stimulas check $ XXXX.when i had it was refused.Now iam broke again.If ACA would of rifi in my first year like they said they would, when i purchase car with lower rate go from 28. % to 15 % but they never did.Maybe i could pay $ XXXX.amonth tell i get caught up?
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75035	Web
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Credit Acceptan. As well as XXXX XXXXXXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Web
I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.
05/20/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23601	Web	Servicemember
This company is the worse I paid the car off XXXX 2016 wrote a check for XXXX check cleared my account and i have a bank statement that show this. XXXX XXXX XXXX repoed my car XXXX 2016 for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a three way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked XXXX points because of a fraudulent repo and XXXX for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.
05/11/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CO 80221	Web	Servicemember
My loaned was transferred XXXX XXXX , XXXX from the original lender. On XXXX XXXX , XXXX I went down to the dealership after receiving calls of late payments. I showed them paperwork showing the last car payment was XXXX XXXX , XXXX . More calls later, I went to the dealership on XXXX XXXX . I showed the lady my contract, she agreed with me that the vehicle should be paid off. She called the current lender to explain my side. They said they would get back to me. They called wanting more payments equaling {$900.00}. The last day for payment would be XXXX XXXX . The original lender is XXXX XXXX XXXX XXXX XXXX XXXX , CO. The loan transferred to American Credit Acceptance XXXX XXXX XXXX XXXX , XXXX , SC XXXX XXXX .
12/10/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web	Older American
In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website. XXXX XXXX , responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}
04/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 078XX	Web	Servicemember
Due to Covid 19, I've experienced a slight financial hardship. I have asked my car company, American Credit Acceptance to extend/defer XXXX payment, the XX/XX/XXXX payment. I have been told no by various reps from that company. XXXX made XXXX calls ) I have been threatened with repossession if I don't pay and also have been told they will call me every XXXX days until the payment is made. The payment amount is {$1000.00} due XX/XX/XXXX. I have been calling for assistance since XX/XX/XXXX when I realized my husband 's job was affected by Covid 19. I am a great customer. I financed the vehicle XX/XX/XXXX, and have made XXXX timely payments with this company and now I find myself along with other Americans in a financial crunch. They are not willing to help!!
08/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73521	Web
I had a loan refinance with American Credit Acceptance on XX/XX/2019 through another firm and to this day their open auto loan still shows on my account I have contacted them several times in the past month and told me the notice was sent it to the credit agencies about the payoff and when I instructed them to send me the payoff notice they have yet to do so. They claimed it would be mailed ot me last week and I called them 2 weeks ago for it and it still has not arrived. I was told the payoff notice would go to a lender that is trying ot help me and they have yet to receive it. I am frustrated because it has kept me from doing anything with my trade in and its been hurting my credit score severely. They have basically ignored me and have been lying to me.
02/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33150	Web
Dear American Credit Acceptance, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( American CrediXXXX Acceptance ) are " requiring '' a cash down payment. Is it true you are requiring a cash down payment? I am demanding that American Credit Acceptance provide verification of XXXX XXXX, XXXX, statements that American Credit Acceptance are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
04/26/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OH 44118	Web
i was financed for XXXX XXXX corolla {$11000.00}, {$320.00} monthly to American credit acceptance from XXXX XXXX XXXX XXXX, XXXX, ohio XXXX .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership XXXX it came back on two days later and the car stalls sometimes the breaks which were promised too be new are loud front and back wheels whobbily like they 'll come off the wheel baron gas leak, evap system etc ... ... ....
08/28/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OK 74403	Web	Servicemember
From XX/XX/2019 to XX/XX/2019, and prior to these dates. American Credit Acceptance has been calling me every day ( except on Sat and Sun ) in reference to my monthly or past due monthly payment, and on several days they have call me multiple times in one day. The amount of my monthly payments are {$330.00} a month and due on or around the XX/XX/XXXX of every month. I have told them on multiple times that I get paid on or before the XX/XX/XXXX of every month. I have also told them to stop calling me every day in reference to my account, and that this is harassment in regards to this payment. They told me that they do not call me every day, and I informed that I can pull up my call log on my phone and prove that they have been calling me every day.
12/20/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
A payment coupon was accepted by the company and never returned, proof of acceptance of the payment on credit report, the amount was for the whole amount of the car, the car was stolen and no original documents was returned. After another payment coupons was sent back as a copy as the original was probably used again. a notice of dispute was sent by affidavit under code 15 USC 1692 asking the name of original creditor address by way of securitization analysis report only and respond only by affidavit, no affidavit was received no notice to repossession was mailed and a cease to collect the debt did not happen as they stole the car from an apartment complex without permission from the owner of gated community in violation of non consensual tow.
01/08/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75044	Web	Servicemember
American Credit Acceptance ( ACA ) is cashing my payments but not applying them to the account. I sent a Money order payment for {$130.00} on XX/XX/2020 it has been cashed but not applied to my account. My insurance company sent a check for {$13000.00} on XX/XX/2020 ACA has not applied the payment. I have contacted ACA on several occasions reps and supervisors tell me they have not received the payments. I have contacted the money order company and my insurance company. I would like my payments applied and any applicable fees and interest waived that were incurred during the time they did not apply the payments. I can be reached by email XXXX. Thank you. American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX
06/24/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20721	Web
American Credit Acceptance and I had a car loan out, I then traded the vehicle in to XXXX XXXX XXXX in XXXX XXXX MD In XX/XX/XXXX. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via XXXX and gave me the tracking number of XXXX and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed due. I have even faxed over trade in contracts from the dealership. I would like this removed form my account and the remarks to be cleared as well.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84095	Web
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX AUTO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCEPT XXXX. XXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
05/20/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 294XX	Web
When we bought the truck we was told we would end up only paying {$15000.00}! After paying on this truck for almost XXXX yrs they are telling us we still owe over {$13000.00}. How are we paying almost XXXX for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press XXXX it tells us that were not due until XXXX XXXX but yet your CSR told me it 's XXXX days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is XXXX wanting WAY more then what the truck is even worth. No one is giving me a straight up answer. They laugh on the phone and they are smart. I want to know why we are being XXXX ...
01/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92108	Web	Servicemember
My car was repossed XX/XX/19. That was the day I had told American credit acceptance I would make payment to get thee car current. That was also my payday. They said they would send me a letter explaining all my rights. The care was moved to an auction house. I called multiple times to get information on how to get car out. They told me call auction house, I called auction house they said call the car company cause they need to give me permission to talk to auction house. American credit would not complete the call to the auction house. I called several times they would never get through to the auction house. I also never got my letter explaining my rights. I never got the chance to know how much money I needed to get the car back.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98203	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX, Inquired on XX/XX/2019. AMERICAN CREDIT ACCEPT, Inquired on XX/XX/2019. XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.
11/03/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28269	Web
On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.
04/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MS 39209	Web
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT )
05/21/2020	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 92307	Web
The creditor, American Credit Acceptance Corporation, has incorrectly, unfairly, and carelessly reported remarks on all three of my credit reports. XXXX -- The remarks state " Student Loan - payment deferred - Affected by natural disaster. '' This is an auto loan, not a student loan. I don't even have a student loan and never have. Additionally, I did not arrange for a natural disaster deferment. I did arrange a normal deferment. XXXX -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment. XXXX -- The remarks state " Affected by natural disaster. '' I did not arrange for a natural disaster deferment. I did arrange a normal deferment.
08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web	Servicemember
I previously disputed an account listed as AMERICAN CREDIT ACCEPTANCE on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the XXXX account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called XXXX on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27613	Web
They improperly sent delinquent payments to the credit bureau 's. They misplaced the modification forms and blamed me for not keeping these forms in their system. After, I resent the forms to them, they still sent information to credit bureau that my account was past due. This info was sent on XX/XX/XXXX and XX/XX/XXXX. The account is current not pass due at all. There is also a Grid code 1 that needs to be corrected. This effecting my credit as it has dropped XXXX points as of today. I am in the process of purchasing a home and it is effected by their mistake. I have contacted ACA several times and they assured me this issue will be taken care of. Meanwhile, they are still sending " late payments '' to all three bureaus.
10/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX XXXXX	Web
I was charged an interest rate that was higher than the limits set forth by the Attorney General office for auto loans, the purchase amount of the vehicle was not disclosed, the vehicle was repossessed and sold leaving a deficiency balance of {$6400.00}. My original bill of sale does not include the sale price of the vehicle, therefore, it is not know to me whether the deficiency balance is accurate or inaccurate. The lender has refused to provide the information and has reported to all XXXX credit bureaus a balance of {$10000.00} as written/charged off and is reporting active collection activity of {$8300.00} after the sale of the vehicle. The documentation from the lender states that the vehicle was sold for {$6700.00}.
12/15/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	IN 464XX	Web
Annual Interest rate is 25 % when I got approved for the loan on XX/XX/2019 at XXXX for the car although I had a low paying full time job and terrible credit. That makes my bill {$550.00} every month, and if I have a late payment an extra $ XXXX per month, on top of the {$6.00} processing fee for when I have to go online to make a payment. I believe they also charge the {$6.00} processing fee for if I make the payment over the phone.My finance charge is {$19000.00} in expenses due to this 25 % charge. Ive been making payments on this high interest note with late payments, and processing fees included so my bill is current. However, I feel like I should have never had a 25 % annual interest rate charge in the first place.
04/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30078	Web	Servicemember
This company completely takes advantage of minority customers. The interests rates are extremely high and they completely refuse to offer refinancing or lowering the interest rates even after making on time payments. I've called and asked several times during the months of XXXX and XX/XX/2020 to try and get help with this loan so that I can continue to make on time payments and not be ripped off by the interest. They refuse to help in any way. My financial situation has changed due to the COVID-19 situation and American Credit Acceptance has told me that they can not do anything to help. This is unbelievable!! I can't help from other lenders to refinance because I've been told that ACC has over charged me for this loan.
10/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 452XX	Web
I got a car from XXXX and received a loan from a company called American credit acceptance I paid over XXXX last month in XXXX and asked them to put most of payment amount towards my principal they told me No we are putting your money towards the interest I asked them how are doing something I didn't ask for with my money I never agreed to paying off the interest first I rather pay for the loan amount first to bring down my interest this is my first time ever getting any type of loan this big and I'm being taking advantage of I also requested my contract from XXXX because somethings aren't right with how I'm getting treated. And the pay off amount has went down only a {$1.00} and how if I'm paying my bill every month
05/31/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	ID 83616	Web
Yesterday, XX/XX/XXXX, I received an email at XXXX XXXX telling me my car was assigned for repossession. The company, American Credit Acceptance, was closed at the time I received the email. I tried calling multiple times today, asking them to give me until Monday, XX/XX/XXXX, to make a payment. They repeatedly refused to schedule a payment arrangement citing that XXXX wouldnt allow it. I asked for a repossession hold while waiting for assistance, and they also denied that. They repeatedly demanded payment from me today and repeatedly said unless I paid them today my car would be repossessed. Then they told me to ask a third party for money to pay for the loan. Of note, I had just made a regular payment 3 weeks ago.
12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 707XX	Web
I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
06/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33615	Web
I have been with American Credit Acceptance for my car loan for 25 months, out of those 25 months I had 4 late payments in which I reached out to the company to make a payment plan or get assistance due to the corona virus pandemic. American Credit Acceptance told me over the phone there was nothing they can do, even though we are in a global pandemic and I have XXXX children. These four late payments are from XXXX, XXXX, XXXX and XXXX of XXXX, in which each late payment was individual not consecutively four months straight. The car payment was still made every single month just late. Prior to XX/XX/XXXX and after XXXX of XXXX I have not had a single late payment. My loan original date started in XXXX of XXXX.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78251	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in violation of The Fair Credit Reporting Act ( American Credit Acceptance account number XXXX ) Has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account IMMEDIATELY as you are in direct violation of several laws under The Fair Credit Reporting Act.
09/27/2017	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 38109	Web
I offered a settlement of {$1000.00} I turned in the police report, the estimates, all paperwork needed to have a settlement, off a settlement of {$2300.00}. I was told that because I did not have the accident., but the police report showed that I did not or was not at fault. I would like the calls ran because I was told by XXXX XXXX that everything would be fine once all documents were submitted. I find this constructive/ set up, and need actions handled. The car I own was in the accident and we were not at fault. That should not be a reason of denial. I have paid well over the 60 month agreement. These are late fees attached and 2 payments behind. I gave a fair solution were we all would come out on top.
02/27/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 96007	Web	Older American
My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.
12/29/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89135	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/12/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91335	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/27/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
06/12/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX XXXXX	Web
I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.
08/10/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32210	Web
Hello my name is XXXX XXXX I have a XXXX XXXX XXXX with American Credit Acceptance .When I first got the Jeep it was XXXX Now they telling me at was XXXX I have been paying on this truck for almost 2 years and the balance is every time I make my payment of the due date which is the XXXX of each month they have it going straight to my interest and not my principal and every time I make a payment weeks early they will have a small portion going towards my principal. I will never be able to pay thiXXXX XXXX XXXX off if they keep on ripping me off. They got sue in the State of Massachusetts and the company have move, so many customer is complaining on them can someone please do something about this matter.
03/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
12/23/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30087	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
09/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NJ 08611	Web
On XX/XX/2021 XXXX XXXX/ AMERICAN CREDIT ACCEPTANCE Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.
01/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77373	Web
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from American Credit Acceptance showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
06/14/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	SC 29223	Web	Servicemember
I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer XXXX XXXX XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020
07/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 27704	Web	Older American
I was made aware of a rate change to my car loan in XX/XX/2021 by XXXX XXXX from 18 % to 18.3 %. I immediately called the company and asked why they changed the rate. They assured me that the rate was still 18 % and had not changed. I noticed on my bill that the rate had been removed. During my investigation into the matter I received phone calls from different companies offering to refinance my 18.3 % loan to a lower interest rate. I immediately contacted the company again about the raised interest rate. I was asked how did I know that the interest rate changed. I told them that XXXX XXXX monitors my credit report and they told me. They said that XXXX XXXX doesn't always tell the truth.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21060	Web
In accordance with the Fair Credit Reporting Act American Credit Acceptance has violated my rights. 15 USC 1681 Section 602 ( A ) States I have a right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15 US CODE 1681 A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 SUB PARAGRAPH A Subsection I States that A consumer report does not include information solely as to transactions in or experiences between the consumer and person making a report.
09/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75040	Web
I have had financial difficulties paying my car. I tried making arrangements with American Credit Acceptance. I was told they couldnt help until I was caught back up. I was 3 payments behind. On XX/XX/XXXX at XXXX XXXX my car was picked up. I call today to find out about getting my car back and was told XXXX bought my car back and they could not give me anymore information. I have made all my payments to American Credit Acceptance never to XXXX. I contacted XXXX and was told by one rep they did not have any loan with them. Then was transferred to collections and was told something about a register and transferred to collections. They have never notified me at my address of anything.
10/01/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Unexpected or other fees	SC 29169	Web	Servicemember
I can provide speed pay receipts showing that I made a XXXX down payment with XXXX days to make first payment. Covered maintenance and insurance. XXXX XXXX XXXX XXXX payment : XXXX Customer Service Representatives we're calling before XXXX day period demanding more income/added XXXX to XXXX dollar fees for no reason/ added XXXX charges to account Not flexible to change billing cycle date ( acct has to be current ) to match XXXX XXXXXXXX XXXX stolen not repossessed Falsely reported me XXXX days late. Company will be paid twice after I invested a year in vehicle, resold to another consumer Can provide proof of payment and dates Needs to be refunded or removed from my credit report
09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75082	Web
Your company illegally pulled my credit within the past 2 years. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
In accordance with the Fair Credit Reporting Act AMERICAN CREDIT ACCEPT with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The creditor hasn't mailed me anything to the address that's on my driver license that will be attached. Just looking over my credit report and I have several different address that don't belong on my report.
01/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NE 68134	Web
Company is using unfair collection practices to obtain payment for a debt. Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.
11/17/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 90221	Web
I had a car loan with a remaining balance of over XXXX XXXX dollars. The loan was in the process of being paid off by my insurance company due to a car accident ( where I was not at fault in anyway ). The accident happened XXXX of this year. My insurance company sent over a check for over XXXX XXXX dollars. There is a remaining balance of XXXX on the car in which GAP insurance is covering. The issue is they have reported my car to the credit bureaus as late and a charge off with balance. This in turn has dropped my credit score. I reached out to the company and they will not remove the negative late payments and charge off even though the loan is pretty much paid off.
08/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NY XXXXX	Web
I'm having problems with keeping up with the payments and it's because of how payments are being allocated. Told twice by a supervisor that my total payment went to interest not principle which cause the account to go in pass due status. XXXX cost about $ XXXX book value charged XXXX and paid about XXXX and still have a XXXX balance. Help me understand that in legal terms please. Now after about twenty-five {$400.00} payments I'm block on my account because I'm 23 days pay due. Which is schedule to come out my bank account. My fear is next it's repossession. I also see a suit from the Attorney General XXXX XXXX New York alleging the same conduct against other consumers.
07/12/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MA 01610	Web
On XX/XX/XXXX my car was repossessed for {$900.00} last due. I've had the car for over 4 years and I've had a 100 % on time payment history. I just had a baby last month and have been out of work so I'm financially struggling. I've tried refinancing with no luck. The car is currently broke down and they want the full amount which is almost {$1300.00} ( {$900.00} past due, {$360.00} for the repo fee, and about {$300.00} of late fees ). I bought the car in XXXX for {$16000.00} with a 24 % APR. I should've had the car paid off already but with that high APR I'm still making payments. Id like to find out options to help with these scammers, its not right what they're doing!
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93560	Web
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERICAN CREDIT ACCEPT XXXX
05/12/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 917XX	Web	Servicemember
The car I was buying was only worth at the most {$6000.00} in the shape it was in probably more like XXXX. They knowingly acted in violation of the California usury law title 15 when they charged me 28 % APR. At the end of 4 years without an option to refinance or even an offer by the company I will have paid well over XXXX to XXXX for a XXXX or {$5000.00} car. They repossessed the car at 72 days late instead of the normal 90 days. They committed a crime in order to scan me for money using an outrageous APR I would like to see every cent that I put into that car that they pretty much stole back for me put back in my pocket and I would like to see those XXXX go to XXXX
09/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77573	Web
On XX/XX/2020 my car was reposed by this company by a fraudulent repo driver. That lied about the location he picked the car up from as well as his tdl number wasnt found anywhere. My car was reported stolen with HPD only to find out more than 2 hours later it was repossess from a different location whatcha is untrue. I made arrangements and paid more than I was supposed to Im not understanding how Im behind when its drafted from my account. When I inquired about my account on day 1 I was told I was 197 delinquent and the next day ( less than 24 hrs ) I was informed my account was 287 days delinquent. Which is it.. I just want my money back that is claimed I didnt pay
05/18/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30097	Web
American Credit Acceptance ... ..For the last 3 months the account payment status has been reported every 30 days. The status is supposed to be reported each 30 days on the XXXX of the month. I have had to make repeated calls and request to report accurately and each 30 days. Example today is XX/XX/XXXX and the last reporting was supposed to be XX/XX/XXXX however the last reporting was XX/XX/XXXX. It was supposed to be XX/XX/XXXX. It is now XX/XX/XXXX and last months payment status has still not been reported. They state they reported status XX/XX/XXXX and credit bureaus take up to 10 days to update. This is not true. The credit bureaus do not delay reporting status.
06/25/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 194XX	Web
I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.
08/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38305	Web	Servicemember
I made payments to American Credit Acceptance using their online portal to use XXXX XXXX. On XX/XX/2023 I paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. I received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed.
07/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85392	Web
I contacted the company on XX/XX/XXXX to start the voluntary repossession process. I called on XX/XX/XXXX as no on one had contacted me as I was instructed.I was advised everything was approved and the vehicle was assigned to a towing company and to call back on XX/XX/XXXX or XX/XX/XXXX and I would be provided the name of the company. I called today ( XX/XX/XXXX ) only to be told that someone internally from American Credit Acceptance went in and deleted my request without me asking them to and it had to be resubmitted and all I can do is wait. I am moving in 3 weeks and I have given them ample notice to come and get the vehicle and they refuse to come get it.
01/09/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63135	Web
American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. Waiting for your reply. XXXX
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 350XX	Web
On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.
11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 28213	Web
I purchased my vehicle in XXXX of XXXX at {$21000.00}. To date my balance is {$19000.00}. I have deferred payments but of the XXXX or so payments made totalling almost {$30000.00} the balance is still excessively high. The vehicle is a XXXX XXXX the book value is {$11000.00}. I am paying more than the value of the car. I have tried refinancing and considering the age and balance on the car along I have been denied. I received a letter stating my final payment is estimated at {$11.00}, XXXX. With {$55.00} of that being fees. That's a new car. I see American Credit Acceptance is being sued for predatory lending and I feel I am victim. I need this reviewed
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30088	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
03/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 857XX	Web
I recently requested a payment extension on my vehicle on XX/XX/2023. The representative told me that I was able to pay my bill on XX/XX/XXXX and my vehicle would not be repossessed due to a payment extension. On XX/XX/2023 our car was repossessed. We called American Credit Acceptance and asked why our car was repossessed and they stated that they called the vendor and they said they had no documentation of our vehicle and they had not sent a notice for them to pick up our car. They ended up sending a claim to management on an illegal repossession. But no one was able to help us. No one gave us answers. We are without a car with no communication.
02/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MD 21244	Web
Vehicle was totaled XX/XX/22 payoff was sent but during the process they added late fees while they held the check for 3 weeks. American Credit Acceptance then agreed to waive XXXX fee but have not even though they have several notes confirming that they will waive. Now it has been 3 months and it is still showing open and balance owed on all 3 credit reports. Just spoke to XXXX ( a member of management ) and was advised that the fee shows waived in one system but not another and he would have to contact the credit dept to escalate meanwhile this will be the 4th month that they have reported this loan as open and late to all 3 credit company 's.
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32829	Web
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX ( XX/XX/2022 ) - American credit accept ( XX/XX/2022 ) - XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
04/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 34787	Web
American credit acceptance violated my consumer rights and basically stole my property from my driveway the week of XX/XX/XXXX. I purchased a XXXX XXXX XXXX XXXX from XXXX put {$21000.00} down and made over 15 payments of {$980.00} in the time that I had the car in my possession. That being said they sent a third party company to my home to repossess the car and that violates my rights and also they committed identity fraud by giving my personal information to a towing company that was not involved in the contract between myself XXXX XXXX XXXX XXXX XXXX. they violated my consumer rights codes 15 us code 6802 15 us code 1692F 15 us code 1692k
09/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 22312	Web
I have a problem with American Credit Acceptance i have gotten a extension due to loss of job and when my regular payments started back up i Called them after the second payment to see why my payment was just gone towards entrance and not the principle explain to me after 4 months of getting caught up with interest that my payments will start going towards The principle. And here it is XXXX and I'm still sitting at the amount that i owe in XXXX of this year now. I haven't missed a single payment and I'm just lose i called the company to ask what's gone on and they can't even tell me what's gone on so i need help to be done with this company.
05/06/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 604XX	Web
American Credit Acceptance acquired my former auto loan lender ( XXXX XXXX ), this was done XX/XX/2019. After the acquisition, i was told that it will take approximately 90 days to report the loan. I was also told that this loan will be reported XX/XX/XXXX. i have been calling ACA about my information not being reported and they informed me that they are not sure when they will report my loan. I have been making montly payments for a car that no longer works. because i dont have an auto loan being reported, i cant get a car without an outrageous rate. All i ask is that my loan is reported so it can reflect the payments i have been making.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS XXXXX	Web	Older American, Servicemember
My car was totaled on XX/XX/XXXXXXXX XXXX - Car Insurances paid the loan except for {$590.00}. I have received a total of 3 final bills with different amounts. On my credit report ( XXXX ) showed in XXXX that I owed XXXX. In XXXX, XXXX added {$400.00} to my balance. I had an opportunity to speak with the finance company and according to their records my balance is {$600.00}. I have continually asked for a final bill but have never received one. Now the company has listed on my credit report that I have been late for 3 months while the insurance company resolve payment on the totaled car. My contract with the finance company went to XXXX.
08/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91744	Web	Servicemember
When I went to try and trade my car in for a lower payment I found out that my payoff amount is higher than my remaining loan. I called to find out why and they said I was paying off the interest first before principle. I told them that they were suppose to split it and I even made an extra monthly payment and put principle only and they applied it to interest only. I looked up the contract and there is no where on it that states that they pay interest first. This is also happening to my girlfriend as well and we have the same company. My interest rate is 28 % and hers is 26 % which is very high. The company is American credit acceptance.
05/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 616XX	Web
On the date of XX/XX/2023 I got approved for a car loan. The car was XXXX but my finance charges are XXXX Under 15 U.S.C. 1605 I was never supposed to put a down payment it should have been a sum of all chargers. I received no insurance which under consumer law I was supposed to have that and there was no cash in hand Im goin threw a legal battle for worker comp and cant work so Im up for repo. But digging deep into the situation they broke laws and that should void the contract I will send letters upon my request to the Right to rescind 15 U.S.C. 1635 I will revolt my signature I wanted to put you on notice the company is XXXX XXXX
07/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80016	Web	Servicemember
I called them the XXXX of XXXX and talked to them about the payment that was past due. They told me as long as I made partial payments that they would not report to my credit. I made {$100.00} on the XXXX, XXXX of XXXX I made {$400.00}, XXXX of XXXX I made a {$1400.00} payment. I made these payments under the direction of them to keep any 30 day lates from being reported. If I would have known that a 30 day late would have been reported I would have made different arrangements to make the payment. I felt that I would be good being directed by the representative on the phone on what was best to do to keep my account in good standing.
01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28214	Web	Servicemember
This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. XXXX XXXX XXXX XXXX, TX XXXX
09/14/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91702	Web
I recently got into a car accident where the vehicle got totaled. My insurance company is going to pay XXXX. I called the company to get a payoff quote so there is a XXXX balance with my insurance calls. Thats when I went back and looked at my contract and I was charge {$46000.00} for a XXXX XXXX XXXX. I have been struggling to pay this monthly and have asked for extensions that Ive gotten granted only twice. They are only out for money and I feel like they are breaking the law with the 28 % interest rate that I did not notice. Granted I shouldve looked at my contract, but I was happy that I was approved for a vehicle at the time
09/12/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WI 53218	Web
The car was paid off in the month of XXXX ( XX/XX/2022 ) in full. When I look on my credit report it shows a late payment for the month of XXXX. I have called them to fix it, but it has not been fixed as of yet. In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/29/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30012	Web	Servicemember
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
10/30/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MI 48021	Web
My car was stolen and now I have a total loss claim. My car insurance and my gap insurance is ready to pay this company. However, they are dragging their feet and taking over 90 days to complete a letter of guarantee in order to get paid by the insurance company. I am the victim and I can not get a new car or a new line of credit like a mortgage because this claim is still open and not paid off yet. I feel that my claim is purposely being delayed and they are violating my rights as a consumer if I have all the proper documentation And main insurance with gap insurance why is this company taking too long to accept payment?
04/30/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 61821	Web
American Credit Acceptance is administering my car loan payments in a fraudulent way. I signed a XXXX year loan ( from XX/XX/XXXX to XX/XX/XXXX XXXX for a XXXX XXXX XXXX. It's Year Seven and I am still paying on the loan AND THEY CLAIM THAT I STILL OWE {$15000.00} ON A {$29000.00} loan. They are fully prepared to charge for the next three years. That's 10 years for a 5 year car loan. Please help me get my Title from American Credit Acceptance. I am now at my Maturity Date and I have made all of their payments and XXXX additional payments in interest. They still want more. This is unfair. They are taking advantage of me.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30046	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
06/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web
XXXX XXXX , 2017 I received an alert this morning from XXXX and XXXX that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.
06/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web
XXXX XXXX , 2017 I received an alert this morning from XXXX and XXXX that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.
12/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28269	Web
American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77449	Web
On XX/XX/2022 I alerted American Credit Acceptance of an inquiry that I did not recognize and requested that they validate the inquiry. They sent me a one letter response on their company letterhead advising that it was authorized. In addition to this, they advised in the letter that they attached documents, and enclosures and there weren't any. I sent then another letter XXXX XXXX. I am demanding a reivestigation into this matter, and for American Credit Acceptance to send me the documents as requested with a wet signature authorizing them to pull my credit. If they can't REMOVE THE INQUIRY IMMEDIATELY!!
08/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 76110	Web
I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees
04/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75006	Web
My car is in repossession status and a government entity is trying to consider helping me to make the payment since Im a student in the WOIA program through the TWC. American Credit Acceptance is denying me access to information about my account and denying the Texas Workforce Commission the letter that they need about my repossession as well as any account information to try and get it out of repossession status. Theyre denying me the right to get any information to try and get the car paid current and out of repossession status. Please intervene so that I can try to get this resolved. Thank you
03/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77067	Web
I Consumer XXXX, XXXX, XXXX entered into a Consumer Credit Transaction with American Credit Acceptance on XX/XX/2019 I use my credit card as defined under 15 usc 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card i use is my Social security card. And there was a finance charge involved as defined under 15 usc 1605. American Credit Acceptance then took my credit and got a loan and being to violate 15 usc 1692e. Because they falsely represented the STAUS of debt.
10/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90006	Web
My Information was used without my consent and fraudulent accounts was opened up using my name, credit cards, utility bills, phone lines, I have spoken to these companies numerous amount of times and explained the misunderstanding and even sent them proof and they haven't resolved anything in my favor, I am contacting you guys so you guys can assist me with this matter because these fraudulent accounts are hindering my credit score and life and is holding me back from moving forward with life. ( 1 ) XXXX XXXX XXXX XXXX {$1000.00} ( 2 ) XXXX XXXX XXXX XXXX {$120.00} ( 3 ) XXXX XXXX XXXXXXXX {$17000.00}
11/23/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89032	Web
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is {$27000.00}. They also never gave any material disclosure disclosing I have a right of recession.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70460	Web
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with American Credit Acceptance for account # XXXX. My account with American Credit Acceptance was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from American Credit Acceptance. Recently even received a notice of a XXXX credit from American Credit Acceptance. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
09/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 38122	Web
I called American Credit Acceptance and spoke with a female customer service representative about my late payments. I have lost half my income due to COVID, and they offer no assistance. I made payments that were taken out of my checking account XXXX ending. I was told I would be caught up and just need to make XX/XX/XXXX payment on XX/XX/XXXX. I deferred a payment to the end of the loan and made a payment to bring me current. I just received a letter saying that XX/XX/XXXX and that if I do not pay {$990.00} by XX/XX/XXXX they would take action to repossess my vehicle! These numbers do not add up!
10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60827	Web
Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers
02/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	ID 835XX	Web
My truck was totaled and paid in full to American Credit Acceptance from XXXX XXXX. The truck was totaled on XX/XX/XXXX and paid in full to their office over the phone by XXXX XXXX on XX/XX/XXXX. I still get daily emails from them about an overdue balance. I paid the late fees {$100.00} XXXX days ago also and that hasn't been updated either ( which I realize could take longer to process ). I have contacted them on numerous occasions and the keep telling me that they still haven't recieved payment. I have told them multiple times that I have the invoice stating it was paid in full on XX/XX/XXXX.
11/23/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV XXXXX	Web
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is $ XXXXThey also never gave any material disclosure disclosing I have a right of recession.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
The account listed on my report with American Credit Acceptance, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 15 u.s.c 1681 section 602 a. States I have the right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.
01/29/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	RI 029XX	Web
Today XX/XX/21 I called American credit acceptance to try and pay off my loan, which is approximately {$11000.00}. I offered to pay XXXX to close the account today. They are not willing to go down a penny of what the balance is.I even tried to return the vehicle, which they told me I would still have to owe the remaining balance. I have lost my job due to COVID-19. I am still waiting to receive my unemployment benefits, so I have no income. I am a single mother of a XXXX year old. I would like to just get this settled so the company can get their money, and I am not struggling to survive.
11/06/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	LA 70058	Web
On Thursday, XX/XX/2023, American Credit Acceptance had XXXX XXXX come repossess my car bc I was behind 3 months. I sent a letter priority mail to the company explaining that they were doing was against the law with the following codes : XXXX XXXX, ucc XXXX XXXX tender of payment ), ucc XXXX ( negotiable instrument ), and XXXX XXXX ( without predjustice ) and explained each one to them. I explained to them that the coupon was a form of payment. On that day about two hours after I got home they came to take my car and I had to pay almost {$1900.00} to be able to get out of XXXX XXXX. XXXX
07/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21061	Web
I was having hardship for along time this vehicle was a car that was purchased for my husband by me and my dad. My husband was making the payments on time until he had to go. The payment was {$700.00} dollars something I could not afford plus all the other bills that I had along with my own car payment and insurance. My husband was incarcerated in XXXX. I tried my hardest to keep up with the loan and other bills. By XXXX I was drowning in debt. The car was repossessed and I believe the account has been closed and charged off. I've been trying to get this removed from my credit report.
11/21/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 95008	Web
American Credit Acceptance : Failed to process payments and then charged interest on the principal. Charges processing fees for payments that were not disclosed at the onset of loan. Calls 4-5 days regarding payments while failing to address previous noted issues. Lost checks, and does not provide statements. At this point the company has " lost '' {$5200.00} in funds that were sent to them and has not reconciled any of these issues. Continues to call and has not addressed any charges or fees. This Loan was through XXXX which also failed to disclose the company 's practices.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 080XX	Web
American Credit Acceptance has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. American credit acceptance customer associate said they don't report to the bureaus until the XXXX or the first of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29577	Web
Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NV 89123	Web	Older American, Servicemember
a high % loan shark in XXXX XXXX carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over {$20000.00} and nothing to so for it I would like to sue them do I have probable cause XXXX XXXX
01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43231	Web
TO WHOM IT MAY CONCERN : I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies : AMERICAN CREDIT ACCEPTANCE # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureaus continue to state that they have verified the debt. However, XXXX, XXXX, and XXXX are not reporting the same account information. Why is all the provided data different on each credit report? Let this be a formal complaint against XXXX, XXXX, and XXXX.
01/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19468	Web
Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63135	Web
IMy car a XXXX XXXX XXXX was financed for {$7000.00} by American Credit Acceptance. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe American Credit Acceptance nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel American Credit Acceptance is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. XXXX XXXX XXXX
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77067	Web
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, 1.XXXX XXXX XXXX XXXX- XXXX XXXX 2XXXX XXXX XXXX- XXXX XXXX 3.AMERICAN CREDIT ACCEPT- XXXX XXXX 4.XXXX XXXX- XXXX XXXX 5.XXXX XXXX XXXX XXXX- XXXX XXXX 6 XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX- XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXXMAJR XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX 14XXXX XXXX XXXX XXXX 15XXXX XXXX XXXX 16.XXXX XXXX XXXX XXXX 17.XXXX XXXX XXXX XXXX 18.XXXX XXXX XXXX 19.XXXX XXXX XXXX XXXX
01/04/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 752XX	Web
On XXXX XXXX, 2016, my vehicle was a total loss, which was reported to American Credit Acceptance. I had full coverage insurance with XXXX insurance, and XXXX insurance, which paid off the {$10000.00} balance. American Credit Acceptance insisted I still pay the monthly payment of {$270.00}, which I finally did, because they reported a 60 day late on my credit. I am requesting that this late charge be removed from all XXXX credit bureaus. There was no payment even due when the vehicle was declared a total loss. They have reduced my credit limit by XXXX points. Account # XXXX
07/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web
On XX/XX/2022 my car was repossessed and I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( XXXX ) without my permission and then the chargeback was denied the next day. The loan company, American Credit Acceptance, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both American Credit Acceptance and XXXX countless times and neither of them state that they have the funds.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98031	Web
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29407	Web
American Credit Acceptance I had covid last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with XXXX XXXX and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
10/13/2023	No	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CT 06516	Web
I asked company if I could pay XXXX XXXXXXXX towards the late fees and then send in payments every other day until the balance of my vehicle loan is current. I was told they are denying me to pay the amount I offer. XXXX would like me to pay XXXX bring the account under XXXX days of repossession. Then they can assist me. I then ask the XXXX are they denying my attempt to pay on a debt she stated yes. I document this down. I only wanted To pay Something towards vehicle loan. I was told no because of the status of the vehicle. Pay XXXX they can not take less than that.
11/14/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 91352	Web	Servicemember
Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score, debt to income ratio, and ability to sell my vehicle.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28311	Web	Servicemember
Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of XXXX
10/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85138	Web	Servicemember
Contacted American Credit Acceptance XX/XX/XXXX for a deferment due to having XXXX XXXXXXXX, they denied that request at a time when it was mandated by Federal law for them to do so. On XX/XX/XXXX they repossessed my vehicle. I borrowed money to get it back. On or around XX/XX/XXXX my family once again went into severe financial hardship I contacted American Credit Acceptance to get a deferment, again they denied. They are unwilling to help with hardships that were caused by the pandemic. I need a deferral. This company would rather repossess than do what is right.
03/17/2016	Yes	Credit card	Other	FL 33193	Web
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
03/01/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33619	Web
I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.
08/27/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90017	Web	Older American
I keep receiving multiple text messages on a wireless mobile hotspot what has an assigned telephone number from XXXX from an automobile lender. I have called them multiple times to tell them that I do not have a loan with them, have never had a loan with them, that the device they keep sending text messages to is not a phone, but a mobile hot spot ( MiFi ) and they are annoying me by sending delinquent notices to me when I am not their customer, and have never been their customer. The company involved is American Credit Acceptance ( part of XXXX XXXX XXXX )
09/29/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02301	Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
07/30/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32825	Web
I reached the end of my loan back in XX/XX/XXXX. They had not been reporting to the credit bureaus since XXXX XXXX XXXX. I have since gotten them completely removed from my credit report as of today XX/XX/XXXX. I spoke to them XX/XX/XXXX to work out a plan to bulk pay on the rest of what I owe im equity. They mentioned for them not to repo the car I would need to make {$490.00} payments every time I get paid ( Bi weekly ) which I can't do. My concern is that paying them isn't getting reported, and trying to make me pay them every 2 weeks seems predatory.
05/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28216	Web	Servicemember
I have 2 loans with AMERICAN CREDIT ACCEPTANCE BOTH AT 20 % INTEREST. I have tried to pay my loan down by paying more than the minimum payment. They do not apply any additional funds to my principal balance. I have been paying one of my loans for 20 months and my balance does not go down. I have tried to see about getting my interest rate lowered ... .they refuse. I can not get out of either vehicle because I am up side down XXXX in XXXX and XXXX in the other. I would like all of extra payments applied to my principal balance, and a lower interest rate.
11/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX XXXXX	Web
I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
08/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
Since XX/XX/2021 American Credit Acceptance has misrepresented and deceived me and has been collecting a debt of $ XXXX monthly. They continue to communicate with me through mediums such as phone calls and emails attempting to collect this debt even though Ive sent a debt validation letter, cease and desist disputing this debt, affidavit of truth stating I am the original creditor, exhibits, and invoices. I sent this on XX/XX/2021. Theyve since texted me stating payment is due, emailed me, and called. Theyve also admitted they got my cease and desist.
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 080XX	Web
AMERICAN CREDIT ACCEPT, late payments who were never made. XXXX REMOVE THEM NOW. XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. Two inquiries who are - XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX Utilities and Fuel XX/XX/XXXX
07/03/2023	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 28314	Web	Servicemember
I purchased a car and took out a loan from American credit acceptance, XXXX XXXX, 2023 i have been making my payments on time before the due date i have already made 4 monthly payments to them and they said that my good standing account payments would be reported to the credit bureaus this is 4 months already and they still havnt reported to the bureaus, even when they said they do. im trying to build my credit and this is preventing me from getting a credit score. especially when i try to refinance in 6 months since they charged me a 28 % interest.
11/06/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TX 75204	Web
I XXXX XXXX, the natural living breathing person have proof that American Credit Acceptance have been and continue to violate my consumer rights. I the consumer have noticed American Credit Acceptance has violated me 20 times and have proof of admission. American Credit Acceptance has violated 15 US CODE 1681 ( A ), 15 US CODE 1692 D, 15 US CODE 1635, 15 US CODE 1692 B ( 2 ), 15 US CODE 1692B ( 3 ), 15 USC 1681N ( B ), 15 U S CODE 1601 ( A ), 16 USC 1692 ( E ). American Credit Acceptance also had a third party guest illegally repossess the vehicle.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web
My name is XXXX XXXX XXXX I co-signed for a car several months ago for my daughter XXXX XXXX. Due to Covid-19 my daughter and I have been furlough from our jobs, unable to make payments on time. We were informed that American Credit Acceptance should not be reporting to the credit reporting agencies as delinquent, which they have done since this pandemic started. We took a loan out to catch up on payments and would like to have my/our credit score corrected from the time American Credit Acceptance reported delinquent. Thanks, XXXX XXXX XXXX
07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93063	Web
On XX/XX/XXXX I sent a letter to American Credit Acceptance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing American Credit Acceptance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
09/20/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75080	Web
I was financed a XXXX XXXX XXXX XXXX from American Credit acceptance in XXXX. I have been on time with my payments and never late. I only owe {$3900.00}. on the car. It was almost paid off. The car was impounded/I was not at fault. The impound company contacted American Credit Acceptance finance company and they made an agreement to action my car off. Now I don't have my car, my finance company gave another company permission to sell my car and my finance company still wants me to pay them for the car. They sold my car and committed fraud.
09/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33634	Web
I bought a XXXX XXXX XXXX vin XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, the purshase price was {$4400.00}, but they added an optional gap contract {$800.00}, vehicle protection plan ( vpp ) {$2800.00}, vehicle care protection {$110.00} from XXXX XXXX XXXX XXXX of FL, so the amount financed went up to {$9300.00}. The total cost was {$19000.00}, when I contacted the dealer to cancel the optional charges they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it
10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 312XX	Web
I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.
11/16/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33884	Web
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 02048	Web
On XX/XX/2022 American Credit Acceptance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report..
12/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94545	Web
The statute of limitations for this debt from XXXX should apply. XXXX XXXX XXXX XXXX XXXX has tried collecting on an old debt purchased from American Credit Acceptance through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
08/08/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90266	Web
I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. Please help.
04/07/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 395XX	Web
I paid over 72 % of my car loan with XXXX XXXX XXXX and due to XXXX I got behind on my car payments. I discuss this with the auto loan finance company, but they refuse to help lower my payments or work with. I was never late on my car payments for two years. The car loan was {$10000.00} and I only owed {$2600.00} at the time of repossession of XX/XX/2022. After repossession, I owed {$2900.00}. The vehicle was sold and now they saying I still owe them {$620.00}. It is still reporting on my credit report that I owe {$2900.00}.
05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 53217	Web
I got a loan for XXXX. I made the first payment. Its a high interest loan. They told me its XXXX dollars a day on the balance i paid three days early. They told me my whole payment went to the interested no money went to the principal i still own XXXX. Its impossible at XXXX dollars a day the interest amount for the month is max is XXXX dollars. I ask why its reported my interest is 9 % and my contract states it 28 % when the max on an auto loan is 23 % they hung up because they couldn't explain nothing to me about my loan.
05/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 35749	Web
On XXXX XXXX i started making monthly payments for {$500.00} on a XXXX XXXX XXXX. It has been over XXXX years and my balance owed is still almost the total price of the loan. The original loan amount was {$17000.00} and my balance owed on the car is still XXXX. How can this be? This company American Credit Acceptance is has been applying my entire monthly payment to interest only. This is terrible! I have tried requesting XXXX and no one is ever available to assist me.How can I still owe this much after almolst XXXX years.
11/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87144	Web
Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof
01/06/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	WA 992XX	Web
On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.
09/20/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94509	Web
IN XX/XX/2020 AMERICAN CREDIT ACCEPTANCE CHARGED OFF MY LOAN WITH A BALANCE OWEING {$9500.00}. Since then I have paid off the balance and over {$2000.00} more since they say that there are interest charges. I recently found out that after a vehicle is charged off, it STOPS occuring interest. I have also provided them with my bank statements, receipts and their confirmation emails of all payments made since the charge off and, they still haven't sent the title to my car, but instead, they sent it out for repossession.
09/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27320	Web
Company is not applying my payments correctly. Company has extended my loan to be paid off in XXXX and original paperwork when contract was signed XXXX. Also, I have asked on 2 occasions for a payment history and I have not received it. I also ask for a copy of the original loan contract they have on file so I may see where my terms have changed. I have a copy of it and would love to know what they have on file as they are falsifying information and my signatures as well. This is fraud and at the cost of my credit.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 212XX	Web
Hello, American Credit Acceptance has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but American Credit Acceptance reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an American Acceptance with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
01/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85641	Web	Servicemember
I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.
09/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 14621	Web	Servicemember
I took a car loan out in XX/XX/2021 with American credit acceptance they gave me an APR of 24.9 % and this is against the law APRs can not be that high it more than doubled the price of the car In New York, the maximum rate of interest on a loan is 16 % per annum. If a lender charges more than that, it may be liable for civil usury. Interest that is higher than 25 % constitutes criminal usury. However, there are various exceptions to these laws depending on the type of borrower and the amount of the loan.
08/24/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 920XX	Web
I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:
08/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93560	Web
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : AMERICAN CREDIT ACCEPT XXXXXXXX
09/05/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85339	Web
The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.
11/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30281	Web
On XX/XX/2023. A loan was taken out in my name and I received inadequate information that lead me in a binding contract of conflict of interest with the service address and mailing address. Also a breach of security concerns with ACA credit lenders. On the above date ACA. Had XXXX pull my bank statements from there computer and would not accept legitimate documents from my financial branch, which put my identity and finances at risk. Which lead my credit to decline because of inadequate information...
12/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89131	Web
I have asked American credit acceptance to defer my payment, they keep saying I do not qualify and make payment arrangements.. I keep getting asssed late fees, and going back in a circle. I lost my employment due to XXXX, my wife almost passed, still on XXXX, and I just started working again and cant get ahead.. my rate is XXXX plus percent and Ive always made my payments but now I need the help and they rather get fees, interest instead of helping me. Ive asked for help since XXXX and they refuse!
10/01/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MD 21144	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
08/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 34772	Web	Servicemember
I purchased my car through XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. When I purchased the vehicle I was serving the XXXX XXXX XXXX and My Wife who is the co-signer was currently full time in the XXXX XXXX XXXX I have made over XXXX payments on this vehicle to date at a XXXX percent interest rate. According to the SCRA we were supposed to be capped at 6 % because of our military obligations. The amount financed was XXXX, as of today I have paid a total of XXXX, XXXX in interest and XXXX in principle.
03/18/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MS 39047	Web
I entered into a consumer credit transaction iwth American Credit Acceptance on XX/XX/XXXX. They reposessed and sold the vehicle in XX/XX/XXXX. They continued to list the tradeline with CRAs even though they collected payment for the vehicle when they sold it. I sent a cease and desist on XXXX that they never validated. American Credit Acceptance removed the tradeline on or about XX/XX/XXXX from the CRAs. I mailed an invoice for all civil liabilities. I demand payment in the amount of {$48000.00}.
08/30/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32224	Web	Servicemember
A debt collection for a repo of {$8000.00} from American Credit Acceptance was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to XXXX XXXX XXXX which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.
04/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 295XX	Web
American Credit Acceptance account # XXXX is reporting inaccurate information to the credit bureaus. After reviewing my account I see that the account has been re age. According to the report with XXXX they have my first day of delinquency in XXXX of XXXX, and have a time to be remove from my report on XX/XX/XXXX. XXXX and XXXX has my acct show to be the first day of delinquency XX/XX/XXXX. This is truly inaccurate. XXXX has my account to that it will be on my account until XX/XX/XXXX XXXX
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web
I just received my new credit report for XXXX and I found quite few auto Account XXXX Inquiries on my credit file that wasn't authorized by me. This is the list of them. XXXX XXXX XXXX XX/XX/2022, AMERICAN CREDIT ACCE XX/XX/2022 I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NV 89052	Web
On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for American credit ACCE. The other was XXXX XXXX. And the last one was XXXX XXXX. This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.
02/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77067	Web
I sent merican redit cceptance A certified letter via usps tracking # XXXX which arrived on XX/XX/2021 at XXXX. In the mail I sent was documents they sent to me violating my rights saying I owed a debt when by law I know I dont. As well as invoices for the violations. Below 15 usc 1692c. C2, 15 usc 1692c. C, 15 usc 1692c. b, 15 usc 1692b. ( 2 ) and as I write this today XX/XX/2021 American credit acceptance came and repoed the car which is a violation pursuant to : 15 usc 1692c. C.
11/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75134	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}
11/22/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33445	Web
I was a less than 60days behind, told the lender of issue due to being let go from employer and was making payments to get ahead. the day before they repo car, I made a payment online. Went to go work and car was taken. Lender required the XXXX payments in order to get the car back. Tried speaking with Lender Rep Supervisor advising i wasnt even 60 days past due. They would not listen, so i had to borrower money to get the car back and now paying back high interest loan for this.
11/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70592	Web
There's a late payment that has been reported by American Credit Acceptance in XX/XX/2018 I haven't been 30 days late in over 2 years they said they were going to take care of it they have not. I have submitted several disputes to have it removed the credit bureaus denied it I have submitted my payment history to the credit bureaus and they still denied my claim. I don ; t think American Credit Acceptance tried to take care of this. They ruin people 's credit and think it's ok.
07/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 903XX	Web
1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.
12/23/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33130	Web
AMERICAN CREDIT ACCEPTANCE IS IN VIOLATION OF MULTIPLE FDCPA LAWS! On XX/XX/XXXX of 2020, I was violated multiple times at XXXX XXXX XXXX in XXXX, XXXX by American Credit Acceptance. I have mailed this affidavit of truth and invoice to american credit acceptance but have not gotten any reponse and i am owed compensation for them violating the laws. I am attaching a affidavit of truth, Files pertaining to the Exhibits on the Affiavit of truth, ID, And proof of adress/identity.
11/14/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MN 55068	Web
American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.
05/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX XXXX XXXX are Violating my rights.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web
American Credit Acceptance Acct XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, It states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 17404	Web
XX/XX/XXXX Approved for a XXXX Plus loan from American Credit Acceptance. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
04/19/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77407	Web
I paid my car note Saturday & confirmed with American Credit Acceptance on Monday my account was in good standing & given a confirmation # of the payment. The representative also sent a request for extension for XX/XX/2019 payment. 6 hours later they stole my vehicle claiming their representative didnt send the extension form. They will have not released my vehicle & are requiring me to pay the tow company additional fees for their error. My vehicle was illegally towed.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20653	Web
In accordance with the Fair Credit Reporting Act, the creditor American Credit Acceptance Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/04/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL XXXXX	Web
My car was repo at the last minute while I was paying to get it caught it to current. This American credit acceptance knew about the job change, XXXX, and just recently my grandma passing. I have lost hours at work due to this. All my property was in the car my laundry, my account cards, my shoes, my medicines, license, and knitting stuff. I didnt know about the default until they took my car. They advertise that they help customers keep their car. How is the helping?
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33055	Web
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
09/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33705	Web	Servicemember
Loan is paid off. I can never log in to view balance and fee info. I've been paying cc transaction fees because I have no way to log in to set up alternative payment methods. Password is always incorrect. Password takes multiple days for emails to reset. I have the password saved into XXXX. It's always something. It is intentional. Haven't received my title after payoff. No way to request title because I can't login to their website. Probably get a fee for that too.
09/13/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 76051	Web
My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! I just want them to stop harassing me.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 787XX	Web
The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
I have a hard inquiry on my XXXX credit report from AMERICAN CREDIT ACCEPT XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
09/02/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	IN 46312	Web
To whom it may concern In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for o 47.4K purpose. 532
05/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92683	Web	Older American, Servicemember
American Credit Acceptance has not sent me a statement in over two years. After their first of two repos, they stopped sending anything and have locked my online account. All I can do is pay by phone and only can make what I assume I owe for the month. I have zero idea of my balance, if I have missed payments, nothing. I have been paying {$600.00} per month, while being charged a {$6.00} fee to pay. They keep sending emails about repo, even with payments made.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/2018.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60106	Web
In accordance, with the Fair Credit Reporting act XXXX Account # XXXX has violated mu rights. 15 Section 002 States Ihave right to privacy Is use XXXX XXXX XXXX XXXX Section 2 : It also states a Consumer reporting agency Can not furnish a account with out my written instructions. 15 USC 164uB. A Creditor may not treat a payment on credit card account under an open end Consumer Credit plan as late for any purpose. Please help with this matter thank you
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 33179	Web
In accordance with the fair credit report XXXX XXXX account XXXX AMERICAN CREDIT ACCEPTANCE LL has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 : it's also state a consumer reporting agency can't furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan has late for any purpose.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28270	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53217	Web
Paid my bill 2 days earlier from my due date. I was saying ok i should have more money add to the principle. I look at the account only XXXX dollars was applied to my principal. I called ask how only XXXX dollars was applied. They told my after i made my payment last month. The next day it start collecting interest again. I told the lady thats illegal. They interest isnt supposed to start again until the new billing she told me no it start over the next.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31313	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Add comment... @
09/03/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30345	Web
I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMER CR ACPT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
From XXXX XXXX to XXXX XXXXXXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
09/29/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 20121	Web	Older American
Excessive interest of 28 %. Contacted company about lowering rate, would not lower rate. XX/XX/21 Asked company why I had made 17 payments of {$580.00} totaling {$9900.00} and only {$1200.00} had been applied to principal. Entire payment for 5 months was applied to interest and the XXXX only {$16.00} was applied to principal. Company explanation was this was simple interest and when my payment was made even though they were charging me late fees.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2021 and 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. AMER CR ACPT XXXX Balance : {$12000.00} ;
02/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 78744	Web
I had a loan for a XXXX XXXX with american credit acceptance, the car was stolen and totaled in a wreck in XX/XX/XXXX my insurance XXXX XXXX XXXX paid off the loan and sent american credit acceptance over {$8700.00} to pay off the loan.. that was 3 months ago and american credit acceptance wrote on my credit score that it was affected by natural disasters which it wasn't.. i paid off my loan through my insurance and it should be in good standing.
11/12/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 75241	Web
I have reached out 3 times by email to the company and advised them that the loan balance has not been updated since XX/XX/2018. On my credit report it shows last payment as XX/XX/2018 and the balance has not changed. It is XX/XX/2018, and payments has been made on time every month after XXXX. The balance has not decreased since XXXX and last payment has not been updated since XXXX. I am asking that this get updated, as I pay on time every month.
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web	Servicemember
XXXX XXXX has reported my account delinquent on XX/XX/2020 before payment was due, then again on XX/XX/2020 after payment was made on XX/XX/2020. My payment is not 30 days past due and they reported again on XX/XX/2020. I understand if Im 30 days late they can report but multiple delinquent report with less than 30 days past due is a violation of reporting laws. I asked that they remove the incorrect reporting and I was told no. Please assist.
12/17/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	MO 63031	Web
My car was sold to me under a fraudulent contract.I was financing a car which I paid my down payment out of pocket but it states in federal law that my down payment is included with my finance from the lender but they still made me pay and also for my insurance I paid out of pocket but it also supposed to been included in my loan from lender which makes the contract fraudulent under these federal guidelines 15 US code & 1605 15 US code & 1635
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43207	Web
AMER CR ACPT XXXX Date Opened XX/XX/2017 Balance {$15000.00} Isnt your agency supposed to report only the accurate information? There are two different dates of date opened and three different dates of last activity reporting. and lastly, This late payment might have been incorrect and your agency just reported it without even verifying it. Did you know that its a violation? I am certain that this kind of reporting is a violation of the FCRA.
10/18/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 283XX	Web
My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX
11/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 27713	Web
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90044	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with AMER CR ACPT ( Account number : XXXX ). I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I tried contacting Credit Bureaus with no successful resolution only reporting me late. There was definitely an error on their part. I was never late.
12/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32210	Web
American Credit Acceptance makes it extremely hard at all times to make payments. They charge for every type of payment except for automatic which is sporadic causing returned check fees. The only other way to make a free payment is to mail it in which they say dont do because I might get late fees. The online portal requires you change your password every single time you log in. They re intentionally making it difficult to make payments.
11/27/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA XXXXX	Web
XXXX has been non-compliant with removing the unverified account ( AMERICAN CREDIT ACCE ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ( AMERICAN CREDIT ACCE ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31015	Web
In accordance to the Fair Credit Reporting Act. This creditor have violated my rights. UNDER 15 USC 1681 section 602 states i have the right to privacy. UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 783XX	Web	Servicemember
In accordance with the fair credit reporting act American credit acceptance has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT XXXXX	Web
American Credit Acceptance is reporting late notations on my credit file. I recently took a look at my credit file and noticed the late notations were reporting. Unfortunately, due to Covid I had a very hard time with my finances. I was severely financially impacted and did my best to make a payment when I could. I ask that American Credit Acceptance make a one time good will adjustment and remove the late notations from XXXX and XXXX.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	MS 38671	Web
In XXXX with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. - 15 U.S.C 1681 section 602 A states I have right to privacy. - 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. -15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA XXXXX	Web
I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
03/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30134	Web
I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
In accordance with the fair credit reporting act, American Credit Acceptance has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44107	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33313	Web
in accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85138	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
08/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30248	Web
I purchased a vehicle a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX I was told credit acceptance approved me then after getting the vehicle told a week later they denied me after they told me I was approved. The vehicle had already been registered and listed them as the lien holder. Now Ive secured fininacing with another company but credit acceptance refuse to release the lien on the vehicle so the new company can go on the lien.
09/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90038	Web
XXXX has been non-compliant with removing the unverified account AMERICAN CREDIT ACCE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN CREDIT ACCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85204	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37040	Web	Servicemember
In Accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76227	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
08/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33401	Web
The car never was an issue to me making payments. The car I go from them always had recall issue to where I couldnt handle or get it handled. What was the point of making payments on a car that constantly went through recalls that couldnt get covered? The recalls is not my fault. Not only that they dropped my credit score and closed the loan account leaving the whole balance instead of telling me the amount my car was sold for.
12/05/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MD 20876	Web
In Accordance with the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 274XX	Web
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30253	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
04/17/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	ME 04401	Web
In accordance with the fair credit reporting Act, this creditor has violated my right under USC1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6 o 4A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35211	Web
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 15 USC 1681 SECTION 602 States I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
08/02/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95205	Web
I leased a car from XXXX and it ended up being a horrible problem. It started having problem after problem which made me have to fall behind in payments due to having to fix the repairs. It was repossessed in XX/XX/2022 and I have tried to see what the next step was, they sent a letter saying the money made from auction will go towards the balance remaining owed. Then after that I will be responsible for remaining balance.
08/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77459	Web
I entered into a consumer credit transaction on XX/XX/2019 with XXXX XXXX XXXX XXXX, a consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but cash was taken by XXXX. The finance charge is also supposed to include insurance but XXXX made me purchase insurance separately.
04/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL XXXXX	Web
Due to the XXXX XXXX I'm not able to work anymore. American credit acceptance is my auto loan company and I've contacted multiple times asking for them to defer my payments until I'm able to work again or I get government assistance.The only thing they are offering is waving late fees and splitting payments in two. I think using my small saving towards food and other essential necessities is more important. please help me
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92551	Web
In accordance with a Fair credit reporting act [ XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. [ XXXX XXXX XXXXXXXX ACCOUNT # XXXX has violated my rights. [ XXXX, XXXX ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08003	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
06/27/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33436	Web
I am located in XXXX XXXX County, FL, I have an auto loan with American Credit Acceptance, for a used 2008 XXXX XXXX, purchased around 3 years at {$17000.00}, 90k miles at a interest rate of 27.5 %. I was told that is abnormally high, is this legal? My car payment is {$550.00}, which is difficult and have fallen back a few times. I have tried inquiring but no luck, nor are they willing to waive the late fees.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30094	Web
I was attempting to purchase a home and noticed I had erroneous, inaccurate and damaging information reporting on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report because this is a defamation of my character. I am hereby requesting all erroneous, inaccurate and damaging accounts not be updated but removed from by credit reports as required by law immediately
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23223	Web
In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
07/20/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29445	Web
A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.
03/29/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77429	Web
I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11368	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
02/03/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA XXXXX	Web
I feel that American Credit Acceptance should be investigated the way they are preying on people especially minorities and less fortunate with the high interest rate loans. Something needs to be done about these companies doing this. How can the less fortunate ever win with 25 % interest. This is a set up because they know people will default in these high interest rate loans. They need to be investigated
03/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92111	Web
I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. I need to know where my money has gone. No one is providing me answers or getting me records.
04/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 31015	Web
Company abuse and gave me an high interest on a 73 months ( 6 years ) on a used XXXX XXXX XXXX my interest rate is 28.77 % average members interest rate is 7.9 - 14.7 % car was above market value also with the interest rate they gave me in 6yrs ill end up paying them double of the amount which leaves me to be paying {$60000.00} on an used XXXX XXXXXXXX XXXX thats valued at XXXX with todays market
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28658	Web
Contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, American credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 777XX	Web
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This account has been charged off yet the continue to report a past due balance, the last active dates are wrong as well as the last payment date.
10/27/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 305XX	Web
A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, Kathy Kraninger. The letter was delivered at XXXX XXXX on XX/XX/2020. The company at fault is AMERICAN CREDIT ACCEPTANCE, and all other pertinent information is within the letter. AMERICAN CREDIT ACCEPTANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.
09/14/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	ME 040XX	Web
Since XX/XX/2023 I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recentlyXX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.
08/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33024	Web
My name is XXXX XXXX. I was shopping for a car at XXXX XXXX My credit was ran and I was only Approved for XXXX. Loan for car. I called the American Credit car loan company on my car to ask for the details On my car loan. I feel im being overcharged for the loan because I was only approved for XXXX and my ending charge off is higher than what I agreed to also its more than the car is worth.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 365XX	Web
Ive called 3 times now to dispute my credit not being reported after 13 monthly payments being paid on time. The first time I called them was on XX/XX/XXXX and was told to that it would be taken care of. Then I proceeded to call them back XX/XX/XXXX because the problem wasn't resolved and was told to call them back on XXXX XXXX proceeded to call them back on XX/XX/XXXX and nothing was done.
05/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MI 48021	Web
American credit acceptance is charging me exorbitant late fees daily right now it is up to {$1400.00} with an interest rate of 25 %. This is unfair to consumers, especially minority consumers who need an auto loan. They are not willing to reduce my interest rate or remove any of the late fees. This company is hindering my chances of paying the loan in full because of adding extra fees.
02/09/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85339	Web
I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.
05/24/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29223	Web	Servicemember
I sent a dispute letter to American Credit Acceptance on XX/XX/2022 and they received and signed for it on XX/XX/2022. I just recently received a letter from them in regards to my dispute. The letter stated that they could not locate anything under my name, which was provided in the first letter and requesting that I provide them with the information to basically do their job.
06/15/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27703	Web	Servicemember
American Credit Acceptance did not close the account when car was repossessed and sold in XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.
02/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 480XX	Web
I have a loan with American Credit Acceptance with the account number XXXXbut I was never late on making my payment. However, the 30 days late which was tagged in different months of 2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95111	Web
I finally logged into my XXXX yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
04/29/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 38134	Web
American credit acceptance sent a email out stating they will not be charging late charges. Yet they are keeping it on the account as late and its not right because the pandemic stopped everything I let them know we were and are under the disaster. I would like the late statements to be removed because its also stopping a lot of thing for me to get my family back on track.
08/11/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	LA 71111	Web
I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.
11/19/2019	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 90808	Web
I was told my lender would defer one payment after I make my next payment, but they refused to do so and I made the payment they requested. Consequently, they are reporting my payments thirty days late. Secondly, they are charging me fees that I think are illegal in California and I owe the company more now than at the time of purchase after about two years of payments.
12/07/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	MA 02119	Web
This account is charged off. If this account was indeed a charged off why didn't I receive 1099 C form from the creditor. They got a tax credit off and I should not have this debt on my credit profile. Please send me any forms and documentation that you have the right to report this a debt if you can not do that please remove this debt from my credit report immediately.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11368	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32218	Web
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33135	Web
Last year I purchased a vehicle from XXXX XXXX. I found a vehicle of my interest and selected a XXXX XXXX XXXX XXXX. I placed a {$8500.00} cash down payment up front. As I read over my document today XX/XX/XXXX I noticed that it says the total cost of your purchase on credit, including your down payment of {$8500.00} I did not pay with credit I payed with % XXXX cash.
08/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 290XX	Web
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.
08/27/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	SC 293XX	Web
As online pay is the normal paying option for consumers in America, there is a problem with me paying {$7.00} every time I make a payment on my vehicle. I have a problem with this as well as my interest rates which exceed 18 %. I believe there is a law in South Carolina that my rate should not be above % 8.75. The finance company is overflowing me with charges.
08/15/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33166	Web
My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.
09/19/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CA 92078	Web
Vehicle was repossessed XX/XX/XXXX. American Credit Acceptance sold vehicle XX/XX/XXXX. Account was charged off XX/XX/XXXX. Interest was accrued from XX/XX/XXXX to XX/XX/XXXX. Charge off amount is incorrect. Loan with accrued amount was XXXX and sold on XX/XX/XXXX for XXXX. If the charge off was on XX/XX/XXXX. Then it should be for the amount of XXXX.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33607	Web
I have not only contacted XXXX, XXXX and XXXX concerning this inaccurate information reporting on my credit reports, but I have contacted American Credit Acceptance directly regarding this inaccurate information being furnished onto my credit reports. My car loan through American Credit Acceptance is not delinquent nor is it in repossession status.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA XXXXX	Web
Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. American credit acceptance purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.
11/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33579	Web
Here again with yet another account that is closed and was paid in full, but XXXX has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you
07/28/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20774	Web
I told the company, the owner of the dealership I purchase the vehicle, bought back the vehicle and I transferred the title and they took possession of the vehicle ; but finance company not reducing the sale of the vehicle from my principal, therefore it's in error and I'm not in Collections, but they keep reporting whole balance of loan late.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30052	Web
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
05/26/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 28208	Web
This vehicle was totaled on XX/XX/2018. The balance was paid off by my insurance company and the remaining balance was picked up by my Gap Insurance. I have contacted the finance company on numerous occasions to please update this balance with all 3 credit bureaus so that I can move forward with getting a new car and a better interest rate.
03/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48185	Web
American Credit Acceptance XX/XX/2022 Inquiry Date reported as a Hard Inquiry If its the company I think it is something is still wrong because I already have a vehicle with a name of company that sounds similar but theres no reason to perform a hard inquiry when I am still making payments month to month and did not authorize that inquiry.
03/06/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 90250	Web
I was not aware that this account was opened using my information. I was only made aware when I began trying to repair my credit recently. That is when I had spotted this account, which was only opened for a few months then closed. This account was opened without my knowledge, I have already notified the bureaus and filed a police report.
02/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38133	Web	Servicemember
THIS COMPANY HAS REPORTED INACCURATE LATE INFORMATION ON MY CREDIT REPORT I AM REQUESTING THIS INFORMATION REMOVED. THIS ACCOUNT SHOULD BE CLOSED THE LAST REPORT OF THIS INFORMATION ON MY OTHER TWO CREDIT BUREAUS WAS XXXX OF 2019. THIS COMPANY HAS REPORTED RECENT INFORMATION AND I NEED IT UPDATED AND REMOVED ESPECIALLY THE LATE CHARGES.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37115	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open rnd consumer credit plan as late for purpose.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92806	Web	Older American
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.
05/04/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 350XX	Web
XXXX XXXX I called American credit Acceptance and XXXX to get my car note refinancing. They told me they can not help me. So I called my bank and they wasn't able to help. So I called back to American Acceptance and XXXX and told them to come get the car. It was also during XXXX. I put brand new tries all round the car and oil change.
12/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 759XX	Web
American Acceptance Credit , LLC hired repo company who illegally came on my sister 's property and reprocessed my vehicle. My sister 's home is located in a locked gated community, and per Texas state law " Breach of Peace '' was broken when the repo guy made an unauthorized entry to the locked/gated community to repossess the car.
01/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33321	Web
XX/XX/XXXX I purchased a used suv from XXXX XXXX. Down payment was XXXX cash and a trade in value XXXX. The price of the car was XXXX Finance by American credit acceptance. As I XX/XX/XXXX the balance is now XXXX and the interest rate is high. Ive ask why my payment sent going to the principal and I didnt get an answer. Please help
10/05/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60619	Web
Open in XXXX closed in XXXX balance {$12000.00} keep changing complained numerous of times still no results, was offered to settle in XXXX for {$1600.00} was a great offer just did n't have the money now the company is reporting ever month to the credit bureaus and the amount is increasing but yet the acct. is closed and charged off
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 800XX	Web
In accordance with the fair credit Reporting Act American Credit Acceptance, XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
10/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94558	Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
09/18/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV XXXXX	Web
American Credit Acceptance is still claiming I owe them a debt when pursuant to 15 USC 1692g ( c ) admission of liability may not be construed by any court of law and 15 USC 1692g ( b ) Ive requested they send me a signature of the original creditor because in accordance with the law they can not collect any debt until they do so.
01/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 916XX	Web
On XXXX, 2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
01/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 916XX	Web
On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90018	Web
I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!
09/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 175XX	Web
Hi, Credit Acceptance in In XX/XX/2019 The company a Reprocessmy car and I Paid the company online 2 weeks before I did not call them back because they harassed me and went therefore say you have to pay and I was explaining my situation When I didn't call them to make more payment arrangements so did decided to take the
12/19/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WI 53212	Web
on XX/XX/2022 at XXXX american credit acceptance received a Notice of rescission from me according to XXXXXXXX XXXX XXXXXXXX to which im still waiting for them to send me back my down payment of {$1500.00} plus the return of the title to my car. they have violated 15 usc 1640 ( a ) an should be held liable for damages.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77082	Web
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. AMERICAN CREDIT ACCE Date Opened : XX/XX/2016 Amount : {$14000.00}
07/05/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PA 19401	Web
I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.
10/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TN 38305	Web
I purchased a vehicle from XXXX XXXX, financed by American Credit Acceptance. I was told total would be XXXX including taxes and fees. I have paid around 32 payments equaling closer to {$16000.00} and I am being told I STILL owe over {$18000.00} the car is still in my possession but it seems I was setup for failure.
11/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90262	Web
I sent American Credit Acceptance a notice, requesting an alleged debt to be validated pursuant to 15 USC 1692g. Notice was mailed on XX/XX/XXXX, and confirmed received on XX/XX/XXXX. There has been no correspondents to the letter sent. Silence means that they agree, the demands that were in my letter need to be met.
06/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OK XXXXX	Web
I entered into a fraudulent contract XXXX XXXX XXXX XXXX, who had a an agent clearly and conspicuously transferred the unpaid loan to American credit acceptance, to whom I dont have a complete 2 wet binding signature contract with making the original agreement null a void. Please see attached affidavit for evidence.
06/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 341XX	Web
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
Sometime in 2015 while I was away in Virginia or Florida American acceptance allowed my ex husband to purchase a vehicle and add me as a coapllicant without my permission. When I called about it they told me the only thing I could do waa to have him refinance it with only his name. American Credit Acceptance XXXX
05/02/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 662XX	Web	Servicemember
American Credit Acceptance does not possess a supervised lender license in Kansas to exercise nor enforce rights within my supervised loan contract pursuant to 16a-2-301 ( 1 ) ( c ). American Credit Acceptance is violating the rights of consumers in Kansas and collecting payments from said consumers unlawfully.
05/02/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 662XX	Web	Servicemember
American Credit Acceptance does not possess a supervised lender license in Kansas to exercise nor enforce rights within my supervised loan contract pursuant to 16a-2-301 ( 1 ) ( c ). American Credit Acceptance is violating the rights of consumers in Kansas and collecting payments from said consumers unlawfully.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
I enter into A contract with American Credit Acceptance on XXXX XXXX. After going over my contract and the federal laws, I know now that is fraud on the contract. I have sent American Credit Acceptance a right to recession letter on XXXX XXXX. I also sent them an debt validation and a cease and desist letter.
12/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37921	Web
They are contacting Third parties trying to get in touch with me. They are also asking for my deceased fiancee ' who passed away over 2 yrs ago and they have his death certificate. They also call my place of employment asking for my late fiancee and they are transferred to my phone but never leave a message.
06/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85388	Web
American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77091	Web
XXXX I was not informed about information of my credit being provided to this company at all I was told I would have XXXX inquiry and I have multiple on the same day for the purchase of XXXX vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved
07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 206XX	Web
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21040	Web
In accordance with the fair credit reporting act, American Credit Acceptance has violated my rights. 15 USC 1681 section 602 states that i have the right to privacy. 15 Usc 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.
01/26/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 337XX	Web	Servicemember
I am a federally protected consumer and American Credit Acceptance did not disclose to me in the initial communication that this was an attempt to collect a debt. The have violated me in several ways in regard to The Fair Debt Collections Act and The Truth in Lending Act. Please see attached documents.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33186	Web	Servicemember
On XX/XX/2023 American Credit Acceptance reported a hard inquiry with all XXXX credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all XXXX credit bureaus.
03/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 91768	Web	Servicemember
I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36695	Web
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90034	Web
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and American Credit Accept to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
12/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60473	Web
On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail
09/27/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MA 02072	Web
Im accordance with the fair Credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 335XX	Web
I had a car loan in XXXX, or XXXX from American credit acceptance and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
11/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32210	Web
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XXXX 2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
10/17/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NE 681XX	Web
Loan was paid off on XX/XX/2019. There was approx {$120.00} over payment to be refunded. I have called several times to resolve and have them sent, but they still haven't complied. XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, Ne XXXX American Credit Acceptance XXXX XXXX XXXX XXXX , TX XXXX
05/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89178	Web
American credit accept inquiry XXXX removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC Zip code XXXX XXXX have connected them to remove this inquiry off my credit because I don't recognize this being on my credit I never did any business with this place I want it to be removed.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78628	Web
I have been disputing the late payments showing on my account for American Credit Accept which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
09/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	CA 90059	Web	Servicemember
HOW ARE YOI I NEED HELP WITH THIS ACCOUNT I TRYING SPEAK WITH COMPAMY EXPLAIN TO THEM MY ACCOUNT IS WRONG WE NEED CORRECT ERRO ASAP BUT SO HARD THEY LIKE ENJOY MAKE MONEY OFF PEOPLE NOT NEVER FIX MUCH IF PAID KEEP SAYING YOU LATE THIS SO HARD FOR ME PLEASE HELP IN MANE OF XXXX XXXX
07/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
A XXXX XXXX XXXX is damaging the credit report and worthiness by reporting false and deceptive transactions history. Authorization was never given to carmax nor XXXXXXXX XXXX to furnish private source data information or share with a third party. Violation of permissible purpose
08/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 49686	Web	Servicemember
Hello CFPB Staff : An overwhelming set of class action lawsuits is directly and indirectly affecting my household ... here is the list generally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( and other matters as well )
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30240	Web	Servicemember
I purchased a car XX/XX/XXXX, the finance company ( American Credit Acceptance ) haven't reported any of my payments to the credit bureaus. I've called and made all payments on time their response were they are backed up. The loan hasn't even been reported to the credit bureaus.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27320	Web
American Credit acceptance has my car loan and they are reporting the incorrect balance information on my car loan to my credit. I have ask them twice XX/XX/21 and XX/XX/21 to send me a copy of my payment history, American Credit acceptance has not sent the information request.
02/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77459	Web
American acceptance credit Reported late payments after accident in which my insurance company sent confirmation they would pay settlement. Applied 3 late payments to my credit while in payoff process. Sent letter would be corrected when I reported to XXXX yet no changes made.
11/08/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MO 63111	Web
I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33607	Web
I have reached out to American Credit Acceptance prior to this notice pertaining to your Financial Institution disclosing to a nonaffiliated third party ( XXXX, XXXX, XXXX ) any nonpublic personal information that pertains to me, a Federally Protected Consumer, XXXX XXXX.
01/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33312	Web
I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.
11/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60419	Web
Ive never looked into my credit before, and there was nothing in there, now when I just checked today XX/XX/XXXX, it had three soft inquires, from a auto loan. I do not own a vehicle. Due to the pandemic times are hard enough, now this is really weighing down on me.
12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33404	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30045	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NE 681XX	Web
The credit bureau is reporting an old closed account that is over 7 years old. The creditor that is reporting this outdated closed account on my credit bureau is American Credit Acce. I have disputed this item several times with the credit bureau and the creditor.
02/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33311	Web
I have asked for proof of validation from XXXX XXXX and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95821	Web
I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.
05/23/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75217	Web
XXXX Please review my auto loan the dealer send the company aca American Credit Acceptance a fraudelent drivers license did not give consent or did i have any knowledge that. The dealership had done that my loan shouldbe review again and the complaint please help
07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 27401	Web
Ive Called numerous times and asked why I cant get my credit reported or even a time table of when my payments ive made can be reported.My Account was bought about a year and month ago and still no time table of when my payments can reported to the credit bureau
08/10/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	VA 24501	Web
I have sent them a money order for over XXXX to cover my payments. They said they would be investigating why the money was not credited. This is the third time I have had issues with them to get my account resolved. The last date of repossession was XX/XX/2022
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76112	Web
Items where illegally ran on my credit. Not giving consent to do so by me.! american credit accept XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
05/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 294XX	Web	Older American
I bought a XXXX XXXX XXXX in XXXX of XXXX do almost XXXX I've be late a couple of times but always paid and here it's XX/XX/XXXX and I still owe the same almost. I got a couple of deferred payments I'm still where I started. I'm XXXX years old and struggling.
02/09/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MD 20747	Web	Servicemember
The Truck from American Credit Acceptance was repoed, but in there system it says they dont have the truck .Then on my credit it says repoed and a balance of XXXX.If I don't have the vehicle because they took it, then how did they come to a balance of XXXX?
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30906	Web
I never communicated with XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 or XX/XX/2022, American Credit Acceptance on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08053	Web
I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 238XX	Web
This company lied to me told me they would remove my late payments on my credit report if I caught my payments up they still reported 6 late payments too all 3 creditors and its hurting my score big time please remove all 6 payments that was agreed on
10/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33444	Web
XXXX was issued by XXXX XXXX which cancelled this debt. I also sent XXXX and revoked permission for transfer of securities and legal tender deposit to treasury direct account. However this loan debt is on my credit report and considered as fraudulent
11/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90301	Web
American Credit Acceptance report inaccurate payments and balances. My balance was {$9000.00} in XXXX I have made 3 payments {$510.00} in the months of XXXX, XXXX and XXXX and my balance on my statement says {$8500.00}. it should be a lower balances
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33172	Web
Investigate the way this account is reporting. All the bureaus was reporting this account AMERICAN CREDIT ACCEPT XXXX was reported to be 30 days late, yet the balance is zero and the status is closed. How come that this account reflects to be late?
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53218	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 274XX	Web	Servicemember
My Auto Loan is not being reported to the Credit Bureaus. I am unable to get a credit score nor am I able to get a home loan because of insufficient lack of reporting to Credit Bureaus. Banks will not accept Credit Report with out a Credit Score
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43050	Web	Servicemember
Slow at reporting payments, They dont make changes to credit unless ive made a dispute through transition or XXXX XXXX Reported 90 days late to bureau on payments But wont Report when payments are made or caught up henceforth dinging my credit
02/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 761XX	Web
This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license
01/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48198	Web
XXXX XXXX, 2023 I was denied credit to finance a vehicle at XXXX XXXX. I was told I had to put a down payment of {$8700.00} down. when according to 15 U.S Code 1662. that is illegal in a consumer credit transaction. i do have video as well.
01/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89131	Web
America Credit Finance only assisted me with the payment deferred due to me filing complaint, however agents stated I would not be reported late and I have been. Please refer to my previous complaints and please refer to your call recording
11/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19446	Web
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 851XX	Web
This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
09/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30813	Web	Servicemember
American Credit Acceptance LLC- I applied for a vehicle and I was denied. Title 15 faults, misleading and denial of ones own credit. Credit means the right granted by creditor to debtor to defer payments of debt and defer its payments.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
09/13/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB
08/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 480XX	Web
Listed below is a loan I didnt apply or agree thats been on my report for 6 years CREDIT ACCEPTANCE CO Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
08/07/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MA 02038	Web
American credit acceptance, illegally repossessed my XXXX XXXX while I was making payments. During a state of lock down. The company that repossessed my car is currently in jail for repossessing vehicles illegally and selling them.
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38128	Web
I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.
11/17/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32225	Web
American Acceptance is noting late payments from XX/XX/XXXX to XX/XX/XXXX. My payment of XXXX plus the fee was paid every month during that time. This is causing a big impact to my credit due to 12 payments reflecting as missed.
07/04/2022	No	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	CA 92220	Web
I was told to contact variulous dealership due to I I was trying to use my factory warranty out of state..i moved out of state.and I couldn't get help from nobody. Going back to where I started my claim. No answer. Run around
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web
I reached out to my Car financial company ( AMERICAN CREDIT ACCE ) and advise them that they haven't reported my current payments in the last 2 months to all 3 credit bureau. and the balance on all 3 bureaus are incorrect.
04/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 76504	Web	Servicemember
Ive had my car with American Credit Acceptance as the bank since XXXX I got the loan with and my APR is over 22 %. I am XXXX XXXX XXXX and joined XX/XX/XXXX. XXXXm paying for over two times what the car is actually worth
10/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77301	Web
My car was stolen and the company stated my account would be closed. I had insurance why is this company now reporting I have a charged off account and owe {$16000.00} and I 'm past due. Please help me this is not right
01/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TN 380XX	Web
Asked several times for help. Says dont qualify for deferment since I had one in XXXX which I didnt not request. They automatically did the deferment due to an error in XXXX. Will not work with you despite a pandemic.
01/16/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 93280	Web
It's still showing that im late since XXXX i am currt at the company doesn't want to fix anything they told me i have to go through this website. It is negatively effecting my credit and i do not appreciate it at all
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 270XX	Web
Just got credit report cleared. Company has filed another delinquent in XX/XX/23. Car has been paid off for over a year. They just cleared the last delinquent and they have filed another. Fixing to seek legal action
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77066	Web
XXXX has not removed 30 day late due to national disaster AMERICAN CREDIT ACCEPTANCE has stated on credit report due to national disaster XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
12/19/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 611XX	Web
I was told Id be able to refinance my loan and now that Ive tried I was told by my lender American credit acceptance that they are not a certified lender and that they cant refinance. I am being charged XX/XX/XXXX
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30813	Web
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30813	Web	Servicemember
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
04/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 303XX	Web
I have sent this company multiple communications regarding an account that was opened in my family fraudulently. As of today they still have not resolved the issue and everything I call I get the run around
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web
I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 331XX	Web
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
01/01/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30311	Web
I have a debt collection reporting on my credit for an auto loan that is not mines. I have never applied for financing through this lender. This account appears to be a result of an identity theft
04/08/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 77545	Web
This account was charge off due to a divorce my ex- wife voluntary returned the car. They told her the Charge was 8k now it showing XXXX on my credit report. I want this item removed immediately.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32811	Web
On XX/XX/2022 I informed American Credit Acceptance who was reporting an unlawfully inquiry on my consumer report. I ask the company to send me the document with authorization with no reply.
01/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30117	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a ftc report and police report on some i told them that its was identity theft they refuse to delete off my credit.
09/11/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	SC 291XX	Web
I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.
05/07/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75038	Web
i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 141XX	Web
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off
04/06/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	TX 774XX	Web
Contract was cancelled due to the original creditor selling this debt to XXXX. I have no contract or no legally binding documents with my signature agreeing to this debt with XXXX.
07/22/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 952XX	Web
I finalized the loan online and then called them and verified my account and now when I call and I give them all my information, their response is that they cant find my account.
10/05/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 39047	Web
Car has been repossessed reporting mssed payment every month since XX/XX/XXXX and or CO everymonth since XX/XX/XXXX. Please remove all late payments. I was impacted by Covid 19
03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33712	Web
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.
08/24/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 78664	Web
Called several all the reps are saying the account being paid off. However my credit reflects otherwise. I just would for this account to be removed from my credit report.
04/05/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32225	Web
when i check my credit report you guys are saying my monthly payments are {$370.00} but then you are making me pay {$390.00} please update my payments to the right amount.
11/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77406	Web
The car is appraised at XXXX however I am paying {$20000.00} for it. I reached out to the company to refinance the car ; however, I was denied a lower rate of paymet.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
American Credit Acceptance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
06/01/2015	Yes	Debt collection Auto	Communication tactics Called outside of 8am-9pm	AZ 85641	Web	Servicemember
Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time
10/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33461	Web
They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid information ...
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 387XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29803	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20707	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30014	Web
XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$2200.00} I never had late payments. Take a look on the payment history it shows inaccurate report.
03/24/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	AR 71913	Web
I have made most of my payments on time. I asked to be refinanced to get lower payment and was denied. I'm paying {$770.00} a month for a 2015 car.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72761	Web
I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.
01/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 93536	Web
Bought car at XXXX in XXXX CA XX/XX/19 finance company American Credit Acceptance interest rate 28 % I believe this is a violation of CA Usury Law
05/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89178	Web
I, ve sent in a deletion letter for American credit acceptance and I have not gotten a response the inguiry start date : XX/XX/2021 removal XXXX.
07/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 93720	Web	Servicemember
This company overcharged me and did not follow the 15 USC 1605. They also added my cash downpayment onto the loan to add more money on interest.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 318XX	Web
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.
02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77071	Web
XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.
09/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29485	Web
American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number
11/01/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90026	Web	Servicemember
Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.
09/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 741XX	Web
American Credit Acceptance closed account charged off money as bad debt/Sold to collection agency, on credit report shows open account.
06/16/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 302XX	Web
Attempting to collect on an open dispute. By law they must cease collecting tactics until resolved. Attempting to arise vehicle.
03/27/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OH 44060	Web	Servicemember
The debt should only be XXXX only because car was sold in a auction after it was voluntarily turned back into the bank financer
03/24/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 376XX	Web
Applied for loan with American acceptance credit abd was denied but they are reporting that I have loan. I have denial letter
03/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30117	Web
Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report
06/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 17522	Web	Servicemember
I lost my job and am struggling to make my payments. I just need help to get current with my auto loan so I can refinance it
12/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	WV 254XX	Web
I have perfected a security interest in my private property and American Credit Acceptance is ignoring my Affidavit.
09/02/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 346XX	Web	Older American, Servicemember
Lender is contacting relatives for payment. This is against FAIR DEBT LAW. THEY HAVE BEEN TOLD BY REATIVES TO CEASE.
03/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MS 38671	Web
Trying to get out a bad loan with a interest rate of 28 %, my car is worth XXXX and in 6 years I wouldve payed XXXX
09/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MS 39180	Web
I asked to speak with someone about my loan and they gave me the run around and refused to help me with my payment
04/16/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MN 55446	Web
they didn't provide me with my original signature, And two this letter clearly says pay XXXX balance in full
12/25/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IA 50021	Web
I had purchased a vehicle from XXXX XXXX XXXX XXXX. And had way to high of interest on my car. It is 24 %.
10/19/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44203	Web
I have tried to get the payments deferred and have been unsuccessful and have been getting the run around
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29405	Web
When I purchased my vehicle I used a cash payment for deposit however the paperwork states I used credit
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48197	Web
I paid my car off and its still showing on my credit report its making it hard for me to get a new car.
06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33069	Web
XX/XX/XXXX this company pulled my credit through a 3rd party and i did not authorize them to do this.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 322XX	Web
This company have no authorization to run my credit. I need to be removed as soon as possible
01/22/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	LA 70114	Web
The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.
12/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 367XX	Web	Servicemember
I didnt give anyone permission to run my credit report. Company agreed to delete inquiry.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38115	Web
Im a victim of this data breach and I would like for this account be deleted immediately
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
12/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77545	Web
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 641XX	Web
Amount in credit report is incorrect and balance has been paid by insurance company
08/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75217	Web
The contract dates, amounts and city are wrong and the warranty was not honored
10/01/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 270XX	Web
Paid off loan and loan company continued to give negative credit ratings.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 441XX	Web
Pulling credit with out permission 15 usc cod 1681c compliance procedures
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web
XXXX reporting fraudulent accounts as open and closed on my credit report
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 750XX	Web
I found some hard inquiries on my credit report that I am not aware of.
01/31/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WV 251XX	Web
They wont refinance or lower the payment and im paying XXXX a month
09/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MI 48204	Web
The interest rate is more than what is allowed the maximum is 16 %
03/06/2021	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77087	Web
I did not give permission to run a credit check from this company.
06/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
I AM A VICTIM OF IDENITY THEFT AND WANT ACCOUNTS OFF MY BUREAUS
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web
Ally financial is falsely reporting inquiries made in my name
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 641XX	Web
Account is closed and balance showing on credit is incorrect
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32505	Web
I have hard inquiries on my credit score that i did not do.
10/19/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	VA 24540	Web
Company violated my consumer rights under 15 U.S. 1601
03/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73003	Web
Did not receive a 30 day notice to dispute this claim
11/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	DC 20001	Web
I need to pay lower interest 24 por cent is to much
11/08/2022	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	OH 43232	Web	Servicemember
I have never been late on this account or past due.
08/28/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VA 23224	Web	Older American
Repossession of auto from Amrican credit accetance
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77521	Web
I didnt authorize these creditors to run my credit
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11233	Web
Unauthorized inquiries on my credit report
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
Did not authorize inquiries on my report
07/01/2022	No	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	TX 75287	Web
Company called at XXXX am on XX/XX/2022
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48207	Web
Should not be on my account at all.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33569	Web
XXXX This is not my debt.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30458	Web
unauthrzed hard inqurit
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19023	Web
Attached letters
02/04/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KS 662XX	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20774	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78745	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06106	Web

01/29/2024	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	AZ 85353	Web

01/28/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	IL 60628	Web

01/27/2024	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	CA 94509	Web

01/27/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	LA 70058	Web

01/26/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33168	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45431	Web

01/25/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NV 89101	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19350	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI XXXXX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44105	Web

01/21/2024	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98033	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37072	Web

01/21/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30281	Web

01/21/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30281	Web

01/20/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web

01/20/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MA 02119	Web

01/19/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NM 87109	Web

01/19/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30097	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30088	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 91344	Web

01/18/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33062	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95350	Web

01/16/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 161XX	Web	Older American, Servicemember

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90094	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CT 06513	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48089	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	OH 44120	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30281	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89108	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30022	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48108	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30281	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	CA 95035	Web	Older American

01/04/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 317XX	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89115	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	GA 31907	Web	Servicemember

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29730	Web

01/02/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 764XX	Web	Servicemember

01/02/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30281	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NJ 08020	Web

12/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	GA 30281	Web

12/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DE 19808	Web	Servicemember

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24540	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 389XX	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 33916	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30080	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90038	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11235	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33032	Web

12/13/2023	No	Money transfer, virtual currency, or money service International money transfer	Confusing or missing disclosures	TX 77051	Web

12/05/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30326	Web

11/29/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	SC 29472	Phone

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79902	Web

11/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32043	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74127	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38116	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75147	Web

11/12/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	SC 29574	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33624	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44105	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95815	Web

11/04/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77003	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43219	Web

11/02/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 07019	Web

11/01/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	GA 30273	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 94010	Web

11/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TN 37934	Referral

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76102	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23228	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28144	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21076	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30126	Web

10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34652	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20706	Web

10/04/2023	Yes	Vehicle loan or lease Lease	Repossession Lender trying to repossess or disable the vehicle	CA 91710	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30331	Web

09/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60637	Web

09/25/2023	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91729	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28314	Web

09/23/2023	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31015	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75019	Web	Servicemember

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89113	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35643	Phone	Older American, Servicemember

09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44052	Web

09/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33324	Web

09/12/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33973	Web

09/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 31078	Phone

09/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60653	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45215	Postal mail

09/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95687	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60466	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 79761	Web

09/05/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CA 92570	Web

09/04/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	FL 32714	Web

08/29/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NY 12207	Phone

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75019	Web	Servicemember

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web

08/25/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 27519	Web

08/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 77340	Phone

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95747	Web

08/18/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72301	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23607	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

08/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 45211	Web

08/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23453	Web

08/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92411	Web

08/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 23220	Phone

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77073	Web	Servicemember

08/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32073	Web

07/29/2023	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 27527	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33973	Web

07/27/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MA 02126	Phone	Servicemember

07/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 18072	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18466	Web

07/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 77494	Phone

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30909	Web

07/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NV 89128	Web

07/20/2023	No	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 31405	Web

07/20/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	XXXXX	Web

07/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48228	Web

07/18/2023	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	KS 67207	Web

07/16/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28348	Web	Servicemember

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AE 09227	Web	Servicemember

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91367	Web

07/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 19136	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91204	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90012	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29128	Web

07/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 08049	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95838	Web

07/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85068	Web

07/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32310	Web

06/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Postal mail

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44704	Web

06/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30273	Web

06/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28306	Web

06/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30260	Phone

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Web

06/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 31401	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33712	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 99223	Web

06/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60628	Web

05/31/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78209	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90059	Web

05/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44241	Web

05/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77494	Phone

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19702	Web

05/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 15209	Phone	Servicemember

05/18/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IA 50208	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 146XX	Web

05/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 63033	Web

05/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NC 27025	Phone

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33756	Web

05/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 93630	Phone

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10940	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44703	Web	Servicemember

04/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45322	Phone

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10306	Web

04/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37207	Phone	Servicemember

04/25/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 39213	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32669	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33055	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77573	Web

04/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MS 38668	Phone

04/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	CA 95358	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85205	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39051	Web

04/12/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77083	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60429	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66866	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60429	Web

04/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91510	Phone

04/06/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30152	Web

04/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	MS 39501	Phone

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85014	Web	Servicemember

03/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19320	Phone

03/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19320	Phone

03/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32310	Web

03/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	WI 53217	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29349	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91935	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78634	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33637	Web

03/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39213	Web

03/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 20748	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33647	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	LA 71303	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39213	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14108	Web

03/01/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 19320	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32822	Web

02/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33064	Web

02/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33594	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62704	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21236	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32303	Web

02/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CT 06606	Web

02/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	RI 02860	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19018	Web

02/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 31322	Web

02/08/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 31905	Web	Servicemember

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28352	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08004	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63115	Web

01/31/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MI 48435	Postal mail	Older American

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37013	Web	Servicemember

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23224	Web

01/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21221	Web

01/21/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	GA 30345	Web

01/18/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45211	Web

01/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21040	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92129	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33647	Web

01/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92649	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

01/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 75069	Phone

12/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 38654	Web	Servicemember

12/27/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 35405	Web

12/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 93505	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 76548	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 76548	Web

12/19/2022	No	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 93280	Web

12/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30082	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28306	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web

12/16/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	RI 02889	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90038	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 983XX	Web	Servicemember

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33614	Web

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34736	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92056	Web

12/06/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30253	Web

12/05/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	RI 02905	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60616	Web

11/27/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 92585	Web

11/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 78380	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28105	Web

11/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 60653	Web

11/16/2022	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21216	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30519	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85138	Web

11/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30281	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92801	Postal mail

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53223	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33404	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web

10/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 38125	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77089	Web

10/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 77057	Web

10/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30331	Phone

10/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27127	Web

10/12/2022	No	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44102	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27405	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30326	Web

10/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 33025	Web

10/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32738	Web

10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19018	Web

10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90007	Web

09/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44120	Web

09/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27407	Phone

09/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21801	Web

09/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web

09/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45231	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27523	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30144	Web	Servicemember

09/06/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37766	Referral

09/04/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28681	Web	Older American

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85023	Web

08/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80916	Phone

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web	Servicemember

08/23/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	DE 19804	Referral

08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web	Servicemember

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98004	Web

08/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32216	Web

08/16/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33181	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38641	Web

08/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 75482	Web

08/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32738	Web

08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90047	Web

08/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 24501	Web

07/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60651	Web

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

07/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33993	Web	Servicemember

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

06/21/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 13219	Phone

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90034	Web

06/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90744	Web

06/02/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 44132	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33009	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22302	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90806	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77375	Web

05/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94591	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30106	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89081	Web

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38305	Phone

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44108	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73012	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90212	Phone

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31768	Web

05/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60204	Referral

04/30/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77043	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92066	Web

04/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 346XX	Web	Older American, Servicemember

04/18/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29101	Phone

04/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 63134	Web

04/14/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV 89117	Web	Older American

04/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23511	Web	Servicemember

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90062	Web

04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80239	Web

04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98375	Web

04/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	LA 71032	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11236	Web

03/30/2022	No	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CA 92880	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07202	Web

03/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75056	Web

03/24/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45324	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web

03/17/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MS 39532	Web

03/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33068	Web

03/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89131	Postal mail

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40475	Web	Servicemember

03/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33312	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19141	Web

03/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28130	Web

03/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33068	Web

03/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 78613	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53209	Referral

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75080	Referral

02/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55014	Web

02/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77096	Referral

02/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37115	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

02/14/2022	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77515	Phone

02/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60505	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77515	Web

02/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92407	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web

01/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30106	Web

01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77015	Web

01/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93535	Web

01/25/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	UT 84129	Referral

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35061	Web

01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33009	Web

01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19406	Web

12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19142	Web

12/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85396	Phone	Older American

12/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33130	Web

12/15/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	TX 75040	Phone

12/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 77060	Phone

11/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85007	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19050	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19146	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

10/20/2021	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 34690	Web

10/18/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28023	Web

10/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NJ 08873	Web

10/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web

10/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	WI 53209	Web

10/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CT 06473	Web

10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web

10/13/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 75217	Web

10/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33905	Web

10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44146	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33359	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MN 55120	Web

09/29/2021	No	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77099	Web

09/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75039	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39648	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32811	Web

09/08/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	PA 19139	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32301	Web

08/31/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 90061	Web

08/19/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	NY 14215	Phone	Older American

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MI 48076	Phone	Older American

08/14/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Referral

08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77384	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60085	Web

08/03/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77449	Web

08/01/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	MI 49037	Web	Servicemember

07/28/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85711	Web

07/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 74136	Referral

07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29532	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33142	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73013	Web

06/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31005	Web

06/23/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	FL 33130	Web

06/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77469	Web

06/21/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 77469	Web

06/18/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web

06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30008	Web

06/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80104	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

06/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95757	Web

06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33584	Web	Servicemember

06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95046	Web

06/11/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30115	Phone	Older American

06/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29456	Web

06/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29445	Web

06/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29945	Web

06/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29420	Web

05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29420	Web

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22030	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77070	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28303	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77433	Web

05/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29445	Web	Servicemember

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73013	Web

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37167	Web

05/08/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 20138	Web

05/01/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	IL 60443	Web

04/30/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 86001	Phone

04/23/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06470	Web	Servicemember

04/21/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	PA 15905	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34952	Web

04/19/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	VA 24148	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60443	Web

03/27/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77065	Phone

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32703	Web

03/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CO 80439	Phone	Servicemember

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77070	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43613	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92627	Web

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38308	Web

02/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 90731	Referral

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web

02/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	LA 70815	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95376	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27527	Web

02/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22303	Web	Servicemember

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77373	Web

02/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 61604	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94590	Web

01/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77433	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30022	Web	Servicemember

01/19/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29831	Web

01/14/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91303	Web

01/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90802	Web

12/27/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 94585	Web

12/21/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report		Phone

12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94606	Web	Servicemember

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34983	Web

11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44118	Referral

11/20/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	AR 72736	Web

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07107	Fax

11/09/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 64086	Web

11/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 22191	Web

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07463	Referral

11/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone	Older American

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77090	Fax

10/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33916	Phone	Older American

10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30535	Postal mail

10/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29456	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30022	Web	Servicemember

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30044	Web	Servicemember

10/19/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95829	Web	Servicemember

10/16/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AR 719XX	Web

10/15/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OK 73013	Web

10/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32905	Web

10/08/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32254	Postal mail

10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60646	Web

09/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75904	Web

09/23/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28311	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32619	Web

09/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60659	Referral

09/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90712	Web

08/25/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NH 03045	Web

08/23/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	HI 96784	Web

08/14/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	SC 29831	Web

08/11/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93638	Phone	Servicemember

08/10/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 92243	Web	Servicemember

08/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 31404	Web

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27529	Web

08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33073	Web

07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29574	Web

07/24/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 78664	Web

07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Older American

07/22/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30016	Web

07/17/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29229	Web	Servicemember

07/07/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA 90740	Referral

07/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28405	Web

07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28405	Web

07/01/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone

06/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Referral

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

06/25/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32772	Web

06/24/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60659	Referral

06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80047	Postal mail

06/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89148	Phone	Older American

06/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98103	Web

06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30324	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85326	Web

06/09/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 78634	Web

06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92586	Web

06/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33762	Postal mail

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76537	Web

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76537	Web

05/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77449	Phone

05/20/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45015	Web

05/16/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77047	Web

05/14/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 90630	Web

05/14/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 20170	Web

05/08/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89148	Phone	Older American

04/14/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	IL 60163	Web

04/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31406	Web

04/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web	Servicemember

04/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 79064	Postal mail

03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48035	Web

03/27/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91932	Web

03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40216	Web

03/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19144	Web

03/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 45406	Web	Servicemember

02/27/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	NC 27262	Phone

02/20/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90302	Web

02/19/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85022	Postal mail

02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19464	Phone

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53216	Web

02/13/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	OH 45406	Phone	Servicemember

02/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32539	Web	Servicemember

01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78412	Web

01/31/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	LA 70783	Phone

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77015	Web

01/13/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	LA 70783	Phone

01/07/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32608	Phone

01/07/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off		Phone	Servicemember

12/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 25064	Web

12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90280	Web

12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21234	Web

12/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70812	Web

11/26/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 14616	Web

11/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33764	Web	Servicemember

11/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30213	Referral

10/21/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33610	Phone

10/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20706	Phone

10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85339	Web

09/30/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17404	Web

09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29536	Phone

09/25/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20706	Phone

09/18/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27713	Web

09/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20706	Phone

09/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27405	Web	Older American

08/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IL 60164	Phone

08/27/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MS 39631	Phone

08/12/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AZ 85009	Web

07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33065	Web

07/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77007	Web

07/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web

07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 91730	Web

07/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 90301	Web

07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30260	Web	Servicemember

07/04/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 92587	Web

07/02/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	LA 70783	Fax

06/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 77433	Web

06/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28314	Web

06/19/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 36693	Web

05/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55129	Web

05/17/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 78640	Phone

05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21755	Web

05/15/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94533	Web

05/05/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MN 55379	Web

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29053	Web

04/14/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77007	Web

04/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33020	Referral

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web

04/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60659	Referral

04/01/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 95008	Web

03/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28208	Web

03/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29831	Web

03/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 35215	Web

03/16/2019	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WI 53529	Web

03/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45322	Phone

03/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 175XX	Web	Older American

03/10/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75380	Web

03/08/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93065	Web

03/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30076	Referral

02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/21/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80104	Web

02/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IL 60050	Web

01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95991	Web

01/03/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77007	Web

01/03/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77373	Web

12/28/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77007	Web

12/20/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33762	Postal mail

12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77007	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web

12/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 76112	Web

12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

11/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TN 37620	Web

11/07/2018	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30291	Web

11/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77077	Web

10/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NJ 08065	Web

10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75240	Web

10/09/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing		Phone

10/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39564	Referral

10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39564	Web

09/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments		Phone

07/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44830	Web

07/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Postal mail

07/17/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33615	Referral

07/16/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77380	Web

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30012	Web	Servicemember

07/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33762	Postal mail

06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91307	Web

06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33544	Web

06/12/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Phone

05/24/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 95820	Phone

05/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33578	Web

05/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MN 55113	Web

04/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MN 55412	Web

04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI XXXXX	Web

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91709	Web

04/10/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	XXXXX	Web	Servicemember

04/01/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 90802	Web

03/30/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44711	Fax	Servicemember

03/29/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	FL 33415	Web

03/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Referral

03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

03/01/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	AR 72904	Web

02/25/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 20874	Web

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32504	Web

02/06/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70043	Web

02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08817	Web

01/17/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30083	Web

01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77433	Web

01/10/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32216	Web

12/29/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33881	Web

12/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84005	Web

11/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33615	Web

11/30/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in		Phone

11/28/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AL 35244	Fax

11/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75839	Web

10/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30228	Phone

10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63303	Referral

09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33157	Web

09/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33126	Web

09/21/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21042	Referral

09/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70127	Web

09/05/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone

08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90250	Web

08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90059	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48088	Web

08/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

07/31/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web

07/12/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 27616	Web

07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77067	Web

06/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19720	Web

06/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70764	Web

06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70764	Web

05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76210	Web

05/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30097	Postal mail

04/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32203	Web

04/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 99204	Web

04/17/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33024	Phone

04/16/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 76210	Web

03/24/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	LA 70115	Web

03/19/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75001	Web

03/15/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 27455	Web

02/28/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22974	Web

02/27/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76207	Web

12/21/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 27406	Web

11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20886	Web

11/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60659	Referral

10/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94547	Web

10/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21214	Postal mail	Older American

10/13/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21210	Web

09/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VT 22191	Web

09/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22150	Phone

08/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28540	Web

08/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29403	Fax

07/26/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33436	Web

07/17/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30047	Web

07/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32707	Referral

07/01/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32301	Web

06/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19446	Web

06/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CT 06511	Phone

06/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 63031	Web

04/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19120	Web

04/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85355	Phone

03/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30517	Postal mail

02/13/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77831	Web

01/23/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	TX 77831	Web	Servicemember

01/04/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 77831	Web	Servicemember

12/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29640	Phone

12/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76207	Web

12/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30313	Referral

12/01/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33068	Postal mail

10/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CT 06615	Web

10/13/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MS 39402	Web

08/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30602	Phone

08/05/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29505	Phone

07/29/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 64133	Web

07/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27520	Web

07/03/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77047	Web

06/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85339	Web

05/22/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85713	Web

05/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IN 47923	Web

03/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85710	Web

02/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30083	Fax

02/25/2015	No	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 32311	Web

02/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78207	Web

02/13/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	FL 32311	Web

01/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29053	Web

01/16/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	GA 30122	Web

01/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NJ 08527	Web

01/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33709	Web	Servicemember

12/29/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TN 38558	Web

12/20/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77568	Web

12/02/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NJ 08107	Web

11/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22066	Web

11/25/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33444	Web

11/20/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60194	Web

10/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36202	Web

10/16/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77065	Web

10/14/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36526	Web

09/18/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NC 27591	Web

08/22/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28304	Web

08/04/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75214	Web

08/02/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19126	Web

07/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30281	Web

06/03/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20903	Web

06/02/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	TX 78612	Web

05/16/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	GA 30238	Web

03/10/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 38125	Web

02/21/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32807	Web

01/27/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30045	Web

01/07/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22733	Web

12/18/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 76137	Web

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77434	Web

08/15/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31706	Postal mail	Older American, Servicemember

08/01/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NV 89178	Web

06/07/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30349	Phone	Older American

06/01/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75181	Web

05/31/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Postal mail

03/12/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22485	Web

03/06/2013	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75206	Web	Servicemember

02/26/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77065	Web

01/10/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Postal mail