Credit Acceptance Corporation Consumer Loan Complaint

Credit Acceptance Corporation Consumer loan department,

Vehicle loan Managing the loan or lease Michigan

It was Sunday - -. I received a call at - - from -. It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for - purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound - requirements. They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. The thing that blows


on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own - Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.