Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/25/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have made a payment to my car note and scheduled a payment next week. But this business is harassing me by calling me almost 3 times a day/everyday. It is getting out of hand. I asked to speak to a manager multiple times but kept getting the run around.

  Business Response

  Date: 12/23/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/18/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm made a car note that came out of my account on 09/22/22 but instead of just one car note coming out of my account, two did. I called flagship to verify if they had received two car notes and they said no, so I then called my bank (***** *****) to get everything taken care of. I was told by the bank that I had autopay flagship and Bill pay through them, I then made sure to cancel the bill pay but keeping the other. Flagship keeps calling saying I owe them this payment even after I have sent multiple copies of my bank statement since September. No one will call back, I was even told by one of the reps that they had notes in my account that made know since, that they had really messed up my account. They last rep I sent my bank statement to was supposed to be a supervisor named Daryl T****** and he also said that he would reach back out to me but haven't.

  Business Response

  Date: 12/02/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 

  Business Response

  Date: 11/30/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/10/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a 2019 ****** camry from ********** ****** dec 2021 here in ************* **. The vehicle was financed with **********. I refinanced the vehicle a few months ago with **** ******* ****** *****. The check was sent from **** ******* to flagship to pay off the vehicle. The title was transferred to my name instead of **** *******. I need to title transfered to **** ******* since they are the line holder and the payoff payment came from them.

  Business Response

  Date: 11/22/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, ********************** has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 12/08/2022

  
   Complaint: ********
  
  I am rejecting this response because I already paid to have the title corrected. I was told my ****** that I would receive the money back that I paid to have the title corrected. I have not been refunded as of yer. I've also incurred a charge of $134 from **** ******* due to the title being incorrect. I called **** several times and because the title was incorrect they are not able to reverse the charge. 
  
  
  Regards,
  
  ***************************
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 01/05/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, ********************** has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 01/24/2023

  
  
   Complaint: ********
  
  I am rejecting this response because: I sent a detailed email to the email address that you provided in the letter. This small issue had been a huge inconvenience and financial burden to me. I've paid over $1000 in interest because my interest rate increased since August due to the title not being filed properly. I am not happy at all 
  
  
  Regards,
  
  ***************************
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 02/09/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, ********************** has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 02/09/2023

  I just emailed the attached statement that shows the increase in interest that was paid due to the title error. My interest rate went from roughly 8% to roughly 18% so most of the payments that I made went towards interest only. 
  
   Complaint: ********
  
  I am rejecting this response because:
  
  
  Regards,
  
  ***************************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:11/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a car back in 2016 and it was financed through *********************** A year later FlagShip bought out ****** and I have had nothing but problems with them since. I currently am on disability and needed to them to lower payments, which they refused to do. Fast forward to April of this year. They offered me a settlement amount of $3, 000 if I could pay $1000 a month for three months. I advised them I couldn't do this, then they came back with a $6,000 settlement offer to be paid through Feb of 2023. This was not helping my situation in anyway. I've talked to them several times. In September they agreed I would pay $600 in Oct, and a settlement of $3600 on Nov. 1st. Which iI did! However, they reported to all 3 credit agencies that I was 30 days behind, then 60 days behind. I actually paid the car off in full on Oct. 16th. I called last week to find out where my title was, and they advised me I needed to wait a few more days to get it. My credit dinged 48 points last week, and another 52 points yesterday because they reported me as not paying. I called them today, and spoke with *********************** who advised me she was "unaware" that the car was paid off, and that she would update the account to reflect it was paid. I then asked her to contact the 3 credit bureaus to get these removed from my credit. She claimed she would see what she could do from her supervisor **************. I have been told so many stories with this company it's insane. They will not offer a resolution and every time you talk to someone else you get a different story. I have worked REALLY hard to get my credit in a good place to be able to buy a home, and over the last few days it's gone down over 100 points! I want them to remove both the most current 30 day and 60 day late payments off my credit. I have contacted each credit bureau as well and filed a dispute for this!

  Business Response

  Date: 11/23/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/07/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Flagship Acceptance and myself entered into a settlement agreement to pay off my vehicle in the amount of $14,448.02 on July 9, 2020 and valid until July 24, 2020. Upon receipt of this payment (which was paid in full on 7/22/2020), Flagship agreed to release liability and forward the title to my vehicle. After a few months of the account being paid off, I made several calls to customer service inquiring about the title. All representatives made promise to resolve my issue. To date, I still do not have the title to my car nor a lien satisfied form for the DMV.  I am unable to reach a live agent from all of the listed phone numbers for this business without an account number. It appears my account number and social are no longer recognized. As a last resort I sent a few emails to this business with a copy of our settlement agreement and a lien satisfied form and have gotten no responses nor a read receipt. I am unable to sell or transfer title of my vehicle without the pink slip and each year the vehicle is losing value. Flagship Acceptance has breached our contract and I have no idea how to resolve this given I can not contact a single representative in this organization. Please help!

  Business Response

  Date: 11/23/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 12/08/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:11/02/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In June of 2022 I asked this finance company, Flagship, to come and repossess my car as a voluntary surrender. As of November 2, 2022 they still have not came and repossessed the car. They are still charging me interest and refuse to close the account. I believe that they are doing this on purpose so that I can owe them more money. It does not take six months to repossess a vehicle.

  Business Response

  Date: 11/16/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/02/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 30, Flagship Credit Acceptance received in full the payoff check for my 2016 ****** ******. I am due $133 for overpayment, but have yet to receive it. I have contacted Flagship numerous times regarding my check. The 1st time they sent it, they tried to deliver it to the wrong address. They have had my correct address since May 2021 when I moved. It is even updated on my old account with them. I called and gave the correct address. Waited another 2 weeks since I hadn't received anything. The "CSR" I spoke to previously never updated my address and never requested a stop payment on the returned check to re-issue a new one. They finally mailed a check via USPS that required a signature. I work during the day and was not home to sign for it. Not sure why they sent it that way when the 1st one was sent via ***** My last phone call to them was on 10/24/2022 and I was told they would re-issue a new check. I talked to a "Supervisor" who took down my address and phone number and was told she would call me back. I have yet to hear back from anyone and I still have not received my check. I know it's not a big amount of money, but it is still due to me.

  Business Response

  Date: 11/15/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/01/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a car financed through Flagship Financial. I have been trying to renew my registration, but the company had an address change last year and NJ DMV flagged my account until the company sends in their updated address on the company letterhead. I called them in September to request the fax to DMV and was told it was completed. That was not true!!! They sent nothing and my registration expired. I have made September and October 2022 payments, but have not been able to drive my car. When you call, they give the run and around and will not allow you to talk to the title department. I paid them now for 2 months which upheld my part of the contract. They have not changed their address on my title and I cannot renew my registration until they do, causing my car to be parked. I am paying insurance on my vehicle $176 month, a car payment $306 plus $5 handling fee and I cannot drive my car. I am a disabled veteran and cannot get to my medical appointments without my car. I feel they breeched our contract for the past 2 months and I want $622 plus 2 months of what I paid for my insurance, $176X2, for breech of contract. I have been on the phone all day and still have not faxed the info to the NJ DMV. All they need to do is update their address on their company letterhead and fax it to the number given to them for the DMV. It still has not been done after speaking directly to the title department supervisor!!! Flagship financial *****************

  Business Response

  Date: 11/15/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (“Flagship”) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:10/24/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  10/18/2022. Flagstaff Credit system has issues . I have been a customer since 2019 now that I am close to paying my car off , they are harrashing me for payment and saying I cannot pay my balance online like I normally do . I am contacting the BBB because I plan on having the TX Attorney General investigate this company regarding their business practices and how they treat TX , first step is the BBB then Attorney General of Texas

  Business Response

  Date: 11/04/2022

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  
  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.