Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, Deceptive Billing Practices, and Unfair Collection Activity To Whom It May Concern, I am submitting this formal complaint regarding Credit Acceptance Corporation for what I believe are unfair, deceptive, and unlawful practices in violation of the Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq.. 
On XX/XX/year>, I contacted Credit Acceptance regarding a billing notice showing a balance of {$800.00}. When I spoke with a representative, I was told that I allegedly owed a pastdue amount of {$210.00}. This information is inconsistent with both my payment history and the automatic withdrawals they take from my paycheck. 
XXXX ). Misapplied or Improperly Credited Payments I explained to the representative that Credit Acceptance withdraws {$100.00} every week from my paycheck. This totals {$410.00} per month, which is the exact amount of my scheduled monthly payment. Despite this, they continue to claim that I am past due. 
This suggests that Credit Acceptance is misapplying payments, failing to credit payments when received, or manipulating the account balance in a misleading way. Under the Michigan Consumer Protection Act, the following conduct is prohibited : Causing a probability of confusion or misunderstanding as to the legal rights, obligations, or remedies of a party. ( MCL XXXX ( XXXX ) ( XXXX ) ) Failing to provide promised services. ( MCL XXXX ( XXXX ) ( y ) ) Making a representation of fact that is misleading or deceptive. ( MCL XXXX ( XXXX ) ( XXXX ) ) Credit Acceptances handling of my payments appears to fall squarely within these prohibited practices. 
XXXX ). Deceptive and Unfair Billing System I also informed the representative that the online payment app only allows XXXX payment date, giving no flexibility to adjust or correct payment timing. Despite this limitation, the representative insisted that my account is past due because of a missed payment that supposedly falls on the XXXX of every month. 
This is impossible if the company is withdrawing money every single week from my paycheck. 
When I pointed this out, the representative continued to insist that I was behind. This is misleading, deceptive, and creates a false delinquency. 
XXXX ). Potential Fraudulent Account Reporting If XXXX XXXX is taking weekly payments yet still reporting or claiming a pastdue balance, this XXXX constitute : Misrepresentation of a consumer transaction False or misleading statements regarding the amount owed Unfair or deceptive collection practices All of which are prohibited under the Michigan Consumer Protection Act. 
XXXX ). Harm Caused These actions have caused : Financial stress Confusion about my account status Fear of wrongful repossession Damage to my peace of mind and financial stability I have made every required payment. Credit Acceptance is creating a false delinquency through their own internal errors or deceptive practices.

Requested Action I respectfully request that the Consumer Protection Division : 1. ) Investigate Credit Acceptances payment processing and billing practices 2. ) Require them to correct my account and remove any false pastdue amounts 3. ) Ensure they cease any deceptive or misleading representations regarding my payment status XXXX. ) Review whether their conduct violates the Michigan Consumer Protection Act I am prepared to provide pay stubs, bank statements, and any additional documentation needed. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX

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