Consumer complaint received 2017-08-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX/XXXX/XXXX my sister ( XXXX XXXX ) and I went to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a vehicle. We where dealing with a salesman named XXXX. We worked out a deal through credit acceptance was going to finance the car, which is a XXXX XXXX XXXX. They salesman named XXXX informed us we had been approved and we are now going over to finance to finish the deal. We over to finance did paperwork with a man named XXXX. As we were getting finished XXXX told us we still needed our bank statements, but we can still drive the car off the lot. He printed us a 2-temp tag and told us once you bring your bank statements back we can finish the deal and we will give you the 30-day. So XXXX took the statements back on XX/XX/XXXX. They told her there was an issue with her statement so she would need get print another copy and take it back. So on Saturday XX/XX/XXXX which was the day the 2-day tag expired we went back together to drop off her bank statement, they took the bank statement and told ok everything should be good on Monday we will call you. So I asked what about this tag it expires today, XXXX the salesman stated well as long as you do n't get pulled over you should be good. Everything will fall on us. So we left. I went home and I called back because that just did not sound right to me. I spoke with XXXX  and asked her if we could get another temp tag or is there something else we can do, because I did n't feel comfortable with my sister driving around all weekend with an expired tag, her response was, it should be ok as long as you do n't get pulled over. So Sunday XX/XX/XXXX left the car parked in the driveway just to be safe. So Monday XX/XX/XXXX I called to XXXX XXXX to see if everything is ready as far as the tag the transferred me to a voicemail. I called back to talk to XXXX, they said he is with a customer. I continued several more times to call XXXX XXXX due to me being at work. No one would return my call or come to the phone. Then finally the lady XXXX called back, and said they talked to XXXX and the we just needed to come in and sign the rest of the paperwork to finalize the deal. So I went first when I got off of work at XXXX. Got there went to talk to XXXX who did the initial paperwork, and he walked me back over to the used dealer side and said the have your file over here. I asked him, Is everything ok? Did the deal not go through? He did n't answer my question he just said her sit here in this waiting area and Ill be right back, never came back I actually seen him walk out of a side door. So I waited about 30 minutes and then I walked towards the front, I saw XXXX to original salesman, and he said what is going on, I told him you tell me they called and told us to come back and now nobody knows anything. So he walked in the office and came back and said there was an issue with the bank statement and XXXX 's income so we cant do the deal you are going to have to return the car. So I called XXXX to bring the car to the lot. She brought the car back we talked to XXXX he claimed it was an income issue even with XXXX ' XXXX and my income. So returned the car and let the dealership on XX/XX/XXXX. On XX/XX/XXXX I got an alert that there was new info added to my credit report. It is showing that we have an open loan with Credit acceptance for XXXX open on XX/XX/XXXX. So I called this company and they confirmed that it was opened for the XXXX XXXX XXXX. I explained what happened to the finance company. They told me the never heard anything from the dealer and that I need to contact the dealer to they can send over the proper paperwork to get this removed from My and XXXX credit report. I called could not get through to any on so I left a message. A XXXX XXXX called back we spoke about the issue on XXXX and he assured me that he would get in contact with the finance company to get everything corrected. I called back to the finance company on XX/XX/XXXX to confirm and the still told me they have not heard anything from XXXX XXXX. I called back to speak with XXXX and left a message. He returned my call a few hours later and that is when I asked him for documentation s well, his first response we have n't we already talked about this? I told yes but I need documentation as well. He took my email address and said he would get something sent over, I have yet to receive it. My complaint, is that this company was misleading, falsified information, and poor customer service. And now due to them false reporting on our credit report, it is hindering us from finding XXXX another car.

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