Consumer complaint received 2020-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a car loan with Credit Acceptance for a little over a year now. During the Pandemic I missed XXXX and XXXX 's payments because of the shut down. I did call them in XXXX to let them know but was told payment was still expected while others were able to add theirs to end of loan. It took me 3 months to receive my Pandemic Unemployment Benefits but luckily had them in time to make as payments. I also made a payment arrangement to pay an extra {$100.00} on top of my {$270.00} payment till caught up. I continued to pay the extra 100 for 6 months which more than covered the two payments i missed. However I have been dealing with them ruining my credit for the past 9 month 's! I have disputed this with credit bureaus 5x with it just coming back that the information is correct! I have made a complaint with the XXXX XXXX XXXX and called the company directly many times with no one listening to me till one day a women that happen to be answering the phones helping out but works in Upper Management. She told me they were not supposed to be reporting negetive information to credit reports if it had to do with Covid-19! I was then contacted by a woman named XXXX in the Compliance Dept. The first time we spoke I explained everything to her and she said she would conduct an investigation and report back to me which I excepted. XXXX reported back to me even more disturbing information! I apparently owed the company {$900.00} more before I was caught up! At first being in shock I couldn't speak. Then I asked her how do you figure that? I asked her where my extra {$100.00} a month for 6 months went because my payments are only {$270.00} and I missed two due to Pandemic! Then she proceeded to tell me they have no information for XXXX 's payment which consisted of 2 different payments each being a different amount as the company repo my car for no reason! I got the car back two hour after it was taken because I was already paying the payment that morning. I also had to pay them back for the repo. How does a company not have all the Information about a repo they had ordered and given back to the customer? Mind you I only have had the car for 2 months at this time put {$3500.00} down and hadn't missed a payment was just a bit late for XXXX because of the way I was being paid! I am a single mother and have spent this past year working my XXXX off to pay anything on my credit report as I have plans for 2 big purchases and I want a good credit score. Worked so hard for this company to ruin it in a single second reporting information that is incorrect by a long shot! Even after speaking to Compliance Dept I asked her to please fix my credit report information because they were ruining my credit score badly! I'll say she attempted but all she did was change some of it to no data to report! That's not fair I pay my payments on time every month except Pandemic which many of us had problems! After speaking to her again my report mysteriously got worse again! Says I haven't made a payment since XXXX, I've missed 6 payments, and the balance i owe I've paid 5 percent of in over a year! This is a disgrace and can truly impact a person 's life! I know many other people are experiencing this same issue with this company as I read all the complaints on their website! Someone had to do something and I'm done with them doing this to me! I have proof of every payment and when it was made! Also mind you this whole past year I have been in and out of the hospital very sick this just made things worse! I refuse to have to go another 2 or more years dealing with Credit Acceptance! My next step if this matter is not taken care of and done correctly I will be obtaining legal counsel to resolve it! 
Please Help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief