Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I called because I noticed that the car loan said I was past due XXXX the rep i spoke with could not explain to me why for the month of XXXX my payment is {$450.00}, and I already paid {$460.00} ( a payment on XXXX and XX/XX/XXXX of {$230.00} ) that I could owe XXXX still. That would make my payment for the month more than it should be. I then get a supervisor who was very rude. I explained I have my transaction history pulled up, I owe nothing, I have no late fee 's That had previous past due balance that I took care of back in XXXX. And that as of XX/XX/XXXX my past due amount is XXXX per my transaction history. And she proceeded to argue this. No emails, or letters were sent to me advising of said past due balance like in the past. I will not pay something my account does not show me I owe as I told her. And that I did screen shot it, so nothing could be updated or changed in their system to their favor. I am a XXXX XXXX who fell on hard times with hardship due to a divorce. I make my monthly payments every month. I actually make a little more than what I am asked to pay now and have been since XXXX twice monthly I send them {$230.00}. I want this magical XXXX removed and any late fees and interest she said she is going to charge me while I am not paying on this said money. I will continue to make my regular payments though. 

Transaction History for Account XXXX Initial Balance as of XX/XX/XXXX : {$18000.00} Remaining Balance as of XX/XX/XXXX : {$6800.00} Past Due Balance as of XX/XX/XXXX : {$200.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$6800.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$48.00} Balance {$6800.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$6900.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$49.00} Balance {$6900.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$7100.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$50.00} Balance {$7100.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$7300.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$51.00} Balance {$7300.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$7500.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$53.00} Balance {$7500.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$7700.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$54.00} Balance {$7700.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$7800.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$39.00} Balance {$7800.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$140.00} Balance {$8000.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$16.00} Balance {$8000.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$8100.00} Past Due* {$140.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$57.00} Balance {$8100.00} Past Due* {$140.00} Date XX/XX/XXXX Description LATE FEE Amount {$5.00} Balance {$8300.00} Past Due* {$370.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$8300.00} Past Due* {$0.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$58.00} Balance {$8300.00} Past Due* {$0.00} Date XX/XX/XXXX Description DIRECT PAYMENT Amount - {$230.00} Balance {$8500.00} Past Due* {$140.00} Date XX/XX/XXXX Description INTEREST CHARGE Amount {$46.00} Balance {$8500.00} Past Due* {$140.00}