Consumer complaint received 2020-05-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Credit acceptance started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and XXXX $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. On XX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To XXXX XXXX glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, Credit Acceptance received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance. 
Until recently, it was showing that I am owing $ XXXX on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM CREDIT ACCEPTANCE!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus. 
I can't get better credit ; I can't get new car! 

The ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly! 
The credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made. 

The credit bureau collects money from the creditors ( Credit Acceptance ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( credit acceptance ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!!

After the first dispute I made with the three credit bureaus-
XXXX , XXXX and XXXX , Credit Acceptance lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}.

I continued to call Credit Acceptance to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX  to make a complaint. Few days after the complaints, a lady who skeptically says she represents credit acceptance left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from credit acceptance since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over. 

In retaliation for the complaints made on the XXXX and XXXX   platform, credit acceptance began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in XXXX  to XXXX as today in less than few days ; and XXXX to XXXX in XXXX. They reported that I am owing them $ 7,000+ to XXXX  and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to XXXX that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my experian in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail. 
All these prove a deliberate, demonic and heartless series of actions by Credit Acceptance to frustrate my life and damage my credit file/life. 

For a perspective, log on to XXXX  website and bbb.org. You will see XXXX if not XXXX of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue. 
I don't have any derogatory data on my credit file except for what credit acceptance is dumping in it. 

How can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance? 

Their staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply. 

References for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID CREDIT ACCEPTANCE. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED. 
STAY AWAY FROM THEM, YOU ARE WARNED!!!

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