Consumer complaint received 2018-09-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Finance Company : Credit Acceptance Complaint : Alleged payment plan agreement date via company and repossession within a 30 day payment applied. 

Due to having a XXXX I was unable to handle normal business affairs of which my spouse assumed the responsibility of doing so. As a XXXX in XXXX XXXX I take my financial obligations most seriously but due to this unfortunate life event I became XXXX  on my XXXX XXXX and XXXX XXXX XXXX. Upon stay at the hospital my truck was repossed on XX/XX/18 due to a due balance of {$340.00}. 

The company was contacted immediately on XX/XX/18 to obtain information as to why the truck had been repossessed of which they explain the {$340.00} past due. The truck has never been repossessed before. 

On XX/XX/18 my spouse money gramed {$800.00} to Credit Acceptance of which we are still trying to understand why {$800.00} for a past due balance of {$340.00}. My husband paid this amount and was told there was still a remaining balance that could be included in his monthly payment 's raising the payment from {$550.00} to {$600.00} for a total of 12 months which is still in error being a representative stated after that payment the balance due was {$150.00}. 

On XX/XX/18, Less than 30 days from the most recent possession the same company, XXXX XXXX visited our home to repo the truck again at XXXX XXXX of which we were clueless as to why and the repo driver knocked on our door stating he was confusing being he had picked the truck up prior less than 30 days and was very courteous. My spouse had planned to pay the newest payment on XX/XX/18 of which normal payments are not due until the XXXX of each month. 

On XX/XX/18 the company was contacted and the following staff were spoken too : XXXX   ( rep ) XXXX ( supervisor ), XXXX ( supervisor ), XXXX ( supervisor ) and finally transferred to a manager XXXX whom we left a detailed message. All who indicated that repossession hadn't been reported and we should call the authorities to report the incident. 

This company alleges that my spouse agreed to make payments on XX/XX/2018 of which he disputes and has record of the actual recording. Why would a consumer pay {$800.00} plus on XX/XX/18 and then agree to pay XX/XX/18 on a holiday and less than 30 days from the last payment. 

I am disputing this alleged date agreement of XX/XX/18 and feel that the next payments should have fallen on the XXXX as normal. We were told a payment was expected on the XXXX as well as the XXXX which is a total discrepancy. 

The company is now stating that we owe {$800.00} dollars again to take possession of the truck which again has been less than 30 days. The desire and plan upon my retirement last month was to pay this vehicle off in XXXX but the repor of this company as a valued customer is diminished. 

We feel this was an error on behalf of Credit Acceptance and should be rectified. The only thing we should owe is the note to be paid with no additional feels added. We are furthermore inclined to believe that this company is over charging customers and possibly embezzling additional monies.

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 explanation