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Report: #1472579

Complaint Review: Credit Acceptance

  • Submitted:
  • Updated:
  • Reported By: David — Moses Lake United States
  • Credit Acceptance United States

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I called credit accepstance and ask them if I could make my Dec payment on Jan 18th with out getting in trouble with them

the Lady on the phone said sure no promble  I which I did I made a payment of 309.18 on Jan 18th which was My Dec payment and my 

Jan 2019 payment . On the 15th of Jan when I called and talked to credit accpetance about making the payment on the 18th  they could have have said 

if you dont make a payment today we will mark you 30 Days Late 

 

I made the payment on Jan 18th like I said I would and they dinged my credit score with a 30 day late mark Now i can not buy the house i have a contract on which closes on Feb 22nd 

First they said they would remove it  then 20 Mins. later said they would not  then later said they would then On Monday the 21st said they would Not

If this does not get removed in the next week I dead  for buy the house I nedd I am a 62 year old Vet that needs this house for my Family please help

This report was posted on Ripoff Report on 01/31/2019 02:15 AM and is a permanent record located here: https://www.ripoffreport.com/reports/credit-acceptance/-/credit-acceptance-led-me-to-belive-that-making-my-dec-2018-truck-payment-was-okay-if-it-w-1472579. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
9Author
12Consumer
0Employee/Owner

#21 Consumer Comment

You Aren't A Conservative David

AUTHOR: Jim - (United States)

POSTED: Wednesday, February 06, 2019

Guys like you are why this country is in a mess.  Conservatives, like many of us in this country, believe in personal responsibility - it is a hallmark of conservative principles, and of being an adult.  Until you sincerely accept personal responsibility for your issues, then you're just a child with a computer.  Certainly your last posting was that of a 5 year old.  Time to grow up David....

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#20 Consumer Comment

Moving on David...

AUTHOR: Robert - (United States)

POSTED: Wednesday, February 06, 2019

We actually do know what is going on, and if there is a broad common thread between the ones that have posted it is that we tend to believe in taking responsibility for our actions.

The fact is that this isn't about them "lying". You have basically stated that due to other family requirements that you needed to handle you did not make your payment. Regardless of if they told you or not they would report you, it sounds like you would not have made a different decision. That is a decision you made, and you just need to own it and accept the responsibility that you made a decsion of family over a car payment. You can be upset that you were reported, but when you go off trying to make this about lying and taking responsibility, you are going to get "called out" so to speak. But there are many people who probably would have made the same decision.

You also seem to think you are being treated differently than someone who told you that they were two months late and didn't get reported. While I doubt that is the full story with that case, based on the history of this company that seems unlikely and there is probably more to that story, and is probably not the exact same situation.

While you got denied for the home, as hard as this may be to hear this may actually work out to be a blessing in disguise. As because you are with a Sub-Prime lender, we can figure your credit was not the best. Having it drop 120 points due to a single 30 day late also plays into this. Since you had to make a decision between a car payment and other expenses we can also figure that you do not have any sort of "cushion". So if you had gotten approved, it is very likely you would be paying a very high interest rate and/or be forced into a ARM that will adjust up in a couple of years. This type of loan approvals is what got banks into the housing crisis several years ago where they approved loans that they probably should not have. Where instead of complaining about a 30-Day late, if you struggled with those payments you would be complaining about a foreclosure.

The good news is that the more time that has passed the less effect this negative mark has.  So the best thing you can do now, is be sure to make your payments on-time, build up a cushion for any other unexpected expenses and try to get re-approved in a few months.  I would talk to your loan officer and see what they suggest in order to make this a non-issue in the future.

Good Luck to you.

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#19 Author of original report

to All

AUTHOR: David - (United States)

POSTED: Tuesday, February 05, 2019

TO ALL YOU UNCAREING  DIPWADS AND PRETENDERS THAT THINK THEY KOWN WHATS REALLY GOING ON I hope and pray that one day you will have everything you own and everything you love taken away from and after reading your POST you must be a HILLARY LOVER AND A DEMOCRATE so dont let  let every find out who you really are

See I Have a certain set of skills so shove it your +++ hole 

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#18 Consumer Comment

That's Not an Excuse David

AUTHOR: Jim - (United States)

POSTED: Tuesday, February 05, 2019

Life happens and so does death.  So do medical conditions and so does dealing with the VA.  All of it happens.  None of those conditions are written either into your loan, or into your mortgage.  Lenders don't care about such things.  The only thing the lender cares about is getting loaned money back, with interest.  If you believe I'm unsympathetic, then you're almost right.  Your lender is completely unsympathetic.  In fact, they have no problem foreclosing on your house, or repossessing your car if you get behind on payments.  They don't care about any excuse.  If you're behind on payments, then it's your fault - period.

One more thing:  This is a public website that believes in the 1st Amendment.  As such, comments are welcomed when the consumer is in the wrong, as you were here, and especially when you accept no responsibility for being in the wrong. 

Here is the bottom line:  there were consequences with either choice you made.  You chose to be late with a car payment and help family.  The consequence of that choice was a large ding in your credit score and possibly jeopardizing your new house purchase.  Now you could have chosen to screw over family and make the car payment on time, for which there was likely a big consequence for that action as well.  All you're doing here on a public website is complaining about the consequence for making the choice you made.  That was your choice and your responsibility for making that choice.  That's not a rip-off.

Best of luck to you....

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#17 Author of original report

NO OBE REALLY CARES

AUTHOR: David - (United States)

POSTED: Monday, February 04, 2019

No one really care so here it is Buttheads Jackasses and any other words that I cant post here 

I Had a Death in the Familly and all the money went Help with the cost so Back off Drop Dead And Kiss a*s 

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#16 Author of original report

DEATH

AUTHOR: David - (United States)

POSTED: Monday, February 04, 2019

If you really wont to Know My buisness you are a jacka*s's REAR END 

I BUTHEAD

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#15 Consumer Comment

Grow Up David

AUTHOR: Jim - (United States)

POSTED: Monday, February 04, 2019

There IS zero reason you've provided that would explain why you were late in making a car payment when you were in the midst of trying to buy a home.  I mean how stupid were you to jeopardize the home buying process by deciding you were going to be late with a car payment.  You blame everyone else, except yourself, when your credit score dropped 120 points.  BUT you provided the lame excuse of gee, everyone gets into a bind.  Try telling that to your mortgage company - see how they react.  I suppose the only thing worse is if you spent time and money trying to repair your credit to buy your house, and then trashed all that good work with one stupid act.

There is only one person to blame - and that is YOU.  You shouldn't be buying a house at this point if you can't accept either that simple responsibility of making payments on time, or accepting the blame when you don't.  I mean the best you can probably do is to maybe continue to rent an apartment if you lack the savings to make a $300 car payment.  Most homeowners have 3-6 months of savings in reserve when things go "bad" as you say.  If you had that reserve, then you would never have been late with a car payment, would you?  So, no - we aren't sympathetic to your situation.

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#14 Consumer Comment

You do not have a valid complaint

AUTHOR: coast - (United States)

POSTED: Saturday, February 02, 2019

“they dinged my credit score with a 30 day late mark”

You’re dealing with a subprime lender so it’s a fair guess you have prior multiple dings on your credit report.

They simply did their job by appropriatelyreporting your 30+ days late payment. You are not special; therefore, the lender expects you to honor the terms and policies that you previously agreed to.

“Credit Acceptance said they would except a double payment in January and they went back on their word.”

As pointed out by a previous poster, they accepted your double payment so they honored their word. YOU failed to honor the timely repayment agreement.

“Most Likely your one of those jack a*s that did not serve”

I served but I do not look down on or condemn those that didn’t. Military service is something to be proud of but you are blowing the wrong horn.

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#13 Consumer Comment

Unanswered Questions

AUTHOR: Robert - (United States)

POSTED: Saturday, February 02, 2019

You have still failed to answer the question as to what you would have done if you did know they were going to report you as 30 days late?

You also failed to answer the question as to if you hold yourself to the same standards of responsibility?

Since I know you will never answer those questions directly, there is really not much else to say. So good luck and hope it all works out for you? 

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#12 Author of original report

Your roberts the CEO of credit acceptance

AUTHOR: David - (United States)

POSTED: Friday, February 01, 2019

I Guess your the Most Perfect Man on this earth Robert I dont think so. SO BACK OFF 

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#11 Author of original report

you dont live in My House

AUTHOR: David - (United States)

POSTED: Friday, February 01, 2019

Hey you dont know what was going on in my house in Dec and why I came up short  Next time you see someone Down and Out

Maybe you will think tiwce  SO BACK OFF

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#10 Author of original report

Un careing ButtHead

AUTHOR: David - (United States)

POSTED: Friday, February 01, 2019

Let me ask you did you serve in the Military If you did you how I feel. Most Likely your one of those jack a*s that did not serve and you wont stand and post your real name and were you work. 

Word of Warning Never Never mess with Vetrans WE ALL STAND TOGETHER. Im asking my Borthers in arms FIND this thing of a Human and do what you have to do.

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#9 Consumer Comment

Incorrect

AUTHOR: Robert - (United States)

POSTED: Friday, February 01, 2019

I stated the facts...Credit Acceptance said they would except a double payment in January and they went back on their word.
That is a factually incorrect statement. They in fact did accept the double-payment, they did not go back on their word. The problem is that you ASSUMED that that also meant they wouldn't report the late payment as 30-Days late.

Whatpart of this do you not understnd!!
- Again I understand what YOU think the problem is, but what I and others who has posted is pointing out how you are not correct in that thought.


I don't go through life blaming people but I do hold people responsible when they have lied!!!!!
- Do you hold yourself to the same standard? After all you had made a legal agreement that you would your car payment EVERY month. There was nothing in that agreement that said you only had to pay when you could or when you weren't having some type of difficulty. So in fact you were the one who was lying by not abiding to that contract.  In fact to take this one step further. I would bet that not only did they not lie, they did exactly what was in the contract you agreed to when they agreed to provide you with a loan.

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#8 Author of original report

No twist at all

AUTHOR: David - (United States)

POSTED: Friday, February 01, 2019

I have not twisted anything..I stated the facts...Credit Acceptance said they would except a double payment in January and they went back on their word. Thats my beef!!! because their lying and or laziness to put documents in a computer had resulted in my credit score dropping. Whatpart of this do you not understnd!!

They need to take resposibility on how they deal with their customers.  If they had held up their word nothing would be amiss.  As for My loan officer he is doing all he can.. he has to go by what my credit score shows which is  much lower now by 120 points.   I don't go through life blaming people but I do hold people responsible when they have lied!!!!!

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#7 Consumer Comment

Being A Veteran IS NOT THE ISSUE!

AUTHOR: The Dog - (United States)

POSTED: Friday, February 01, 2019

 You say you worked in other jobs as a non-veteran, right? Why didn't you use one of THOSE jobs as a comment such as: "I'm a hard working steel worker..."? Why? Because YOU wanted to play the sympathy card! There are only a few things more despicable and disgusting than a Veteran playing THAT sympathy card as a SMOKE SCREEN to try to cover up what YOU caused! This isn't your first time paying late. This is a subprime lender with whom you were PLACED because banks wouldn't touch you because of your self created bad credit reputation.

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#6 Consumer Comment

Here's the Problem

AUTHOR: Jim - (United States)

POSTED: Friday, February 01, 2019

I called them to ask for a pardon for one month and only one month...We all get into a tight every now and then....  They said ok that would be ok  I could double up in January.  The problem with this statement, based on what you wrote, is that even though they said it was OK, that in and of itself doesn't prevent them from reporting you as late.  Doubling up your payment in January, only keeps you out of being in arrears for a period longer than one month.  However, it still meant you were late, which is why they reported you.

Then they did an about face and reported me as being late. If they had said we are still reporting this to your credit I would have said No!!! and tried to borrow the money form a relative. They did not do this either...they just reported it.  Well, they really didn't do an about face.  When they told you it was OK, it was to simply mark in their notes for the file that you were late.  That's generally what clerical folks in an Accounts Receivable function will do.  OK doesn't mean they were going to pass on their obligation to report your payment as late.  And no, they aren't going to tell you on the phone that they aren't (or are) going to report you as late one way or the other because the person you spoke with generally isn't the person who is going to report you as late.  It would surprise me if the clerk you spoke with even knew you were going to be reported, because they generally don't get involved with such things.

When my loan officer  got the negative report he got in touch with me asap.  Now i can not buy the house i have a contract on which closes on Feb 22nd.  I'm joining these two quotes together because I can see why your loan officer is denying you the ability to buy the house.  I would seriously consider meeting with the loan officer, point out the fact you are not in arrears, this was a unique situation, and that the loan officer should take this information into consideration.  At 62 and a vet, if you qualified for a VA loan, this additional information should hopefully mitigate the bad mark on your credit.  However, the choice is still with the loan officer to approve or deny.  If he does deny you, then clearly you gave the officer a good reason to deny you...not just by being late, but by your attitude.

We all have our times when we come up short for some reason.  No, not all of us.  Most people have enough savings to avoid this sort of situation, and as you're about ready to close escrow on a house, the fact you don't have the financial reserves to make a $300 monthly payment on time is more than problematic.  The excuse we all have times where we come up short is absolutely ridiculous for someone about ready to buy a home, and no one buys it as a legitimate excuse.  Now if I was your loan officer and I heard you say that, then there is no story you could tell me that would convince me to provide you a loan for a house - period.  That is a ridiculous statement for someone of your age to make and you've made it here twice!!  Perhaps you should not be buying a home if this is your attitude.

Because I know someone who was late two months and still has no negative remark on their credit report...SAME COMPANY.  That was two years ago.  So?  It is also entirely possible the company simply failed to report this person as late when they should have.  The fact they didn't tells me their process of reporting broke down and they failed to report this other person.  It is not indicative of you being singled out.  This is not some sort of personal vendetta against you.  It is business - plain and simple.

Buying a house is serious business and your attitude of everyone has times of financial difficulty now and again has no place here or anywhere.  Once you buy a house, that sort of attitude can eventually lead you to lose that house.

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#5 Consumer Comment

I understand perfectly

AUTHOR: Robert - (United States)

POSTED: Friday, February 01, 2019

The fact is that no matter how much you twist it, you caused your own issues.

You keep saying that THEY lied. But you failed to answer what exactly "getting in trouble with them" means? You didn't get in trouble with them, as that would have had your car reposessed. The only thing they did was to report ACCURATELY that you were 30 days late on your credit report. The fact that you claim someone you knew a couple of years ago didn't get a negative mark has nothing to do with YOUR situation.

You still sidestepped any questions as to what would have happened if they didn't, in your words, "lie" to you? Would you have made the payment on time? If so again why do you need to have the threat of a negative mark to do something you made a legal agreement to do?

When my loan officer got the negative report he got in touch with me asap.
- Of course he did, because he wonders why you can't make your payments ON-TIME. By you trying to supress this information to your loan officer some would actually call that fraud by you trying to provide false payment information to the bank.

But here is a thought...
If this does finally get your loan to be denied perhaps you should write a RipOff report against your loan officer. After all they are going back on their word to give you a loan, and they should realize you can get into a bind every now and then and shouldn't care about this one late payment..right?

Once you understand the silliness of that statement, you will understand the silliness of your original "ripoff".

 

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#4 Author of original report

To Robert

AUTHOR: David - (United States)

POSTED: Thursday, January 31, 2019

You don't seem to understand this.

I called them to ask for a pardon for one month and only one month...We all get into a tight every now and then.

Which was my case. 

They said ok that would be ok  I could double up in January.

Then they did an about face and reported me as being late. If they had said we are still reporting this to your credit I would have said No!!! and tried to borrow the money form a relative. They did not do this either...they just reported it.

When my loan officer  got the negative report he got in touch with me asap.

My point IS they lied to me straight up!   and btw....I can afford a house...  just because a man has a problem once in awhile doesn't make him a dead beat.  We all have our times when we come up short for some reason.  So why don't you keep throwing stones?

and...a decent establishment would not have lied.  They made this personal and not business. Because I know someone who was late two months and still has no negative remark on their credit report...SAME COMPANY.  That was two years ago.  So yes this was a vindata by them against me personally. 

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#3 Author of original report

Hey Dog!

AUTHOR: David - (United States)

POSTED: Thursday, January 31, 2019

Let me explain something to you.

I called them asking for a break for ONLY one month!!! They said ok no problem!!!

Then they went back on their word.  So you are one of those people that don't give a person a break also ?  Sounds like it.   I have worked all my life and served the country. Not playing any card as you put it.  I was lied to end of story.  Not only lied to but their action stopped me from purchasing a home.

Their action was  'Personal'   not business!!!  Now way to run a business. You..in all your judgemental glory can kiss my grits.  You know nothing. 

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#2 Consumer Comment

No, YOU Caused The Credit Bureau Bad Report

AUTHOR: The Dog - (United States)

POSTED: Thursday, January 31, 2019

 First off, you being a Veteran had NOTHING to do with this. Don't try to play THAT sympathy card. It's PUTRID to those of us who have worn the uniform. By your own admission, YOU KNEW about the home purchase, yet YOU went ahead and PAID LATE. Therefore it is VERY OBVIOUS you brought this consequence upon yourself.

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#1 Consumer Comment

Typical Sub-Prime Attitude

AUTHOR: Robert - (United States)

POSTED: Thursday, January 31, 2019

I called credit accepstance and ask them if I could make my Dec payment on Jan 18th with out getting in trouble with them
- So what does that mean? They are a Sub-Prime lender and their first reaction in many cases to people that are late is to actually reposess the vehicle. Most of those borrowers would LOVE to just have the only issue be a 30-Day late mark on their credit. One has to wonder when you called them and when is your payment actually due?

I made the payment on Jan 18th like I said I would and they dinged my credit score with a 30 day late mark Now i can not buy the house i have a contract on which closes on Feb 22nd
- Really..So you are purchasing a house and don't have enough cash on hand to make your car payment ON-TIME?

Here is a question, what if they said yes, they would hit you with a 30-Day late payment on your credit report? Would you have made the payment to avoid this? If so why would you need the "threat" of a negative mark to do something you made a legal agreement to do? If not, then in all honestly what is the difference if they told you or not?

Let's just say at 62 years old one would think you have a bit more common sense than that.

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