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:11/14/2023

  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 currently finance a vehicle with flagship acceptance and have been going through financial hardship. I called in on November 2 to request a payment extension or deferment. I was told by the agent the request was submitted and could take 3 or more business days. Without any other information given or what to expect basically to call back and check in. On November 9th not hearing anything back I was told to keep calling back and check in. Mind you I was already almost 60 days past due as I was anticipating this deferment to go through. On November 14th I was informed by the agent this was approved and we were pending a signature of some form- again a form I was never instructed I needed to sign. Not giving me any confirmation this form would be re sent. I then call back and demand to speak to a supervisor to get this sorted out. I am not on hold and being told everyone is busy basically call back, as Im on this call I receive an email that my account is in default. Due to negligence and incompetency of the agents/ business I am not being told I need to pay off the remaining car note and still cannot get any clear answers or instructions

  Business Response

  Date: 11/29/2023

  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, 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:11/09/2023

  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.

  Flagship credit acceptance is refusing to update my payoff account regarding my balance being update , my account has not been updated since May of 2023 and still shows a balance of 4376.00 but my current balance is 3083.00 . I have asked this company repeatedly . all I get is foreign speaking people talking mumbo jumbo , please help me. regarding white 2015 **** *** ****** Respectfully ***************************

  Business Response

  Date: 11/28/2023

  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, 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:11/03/2023

  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 have been calling flagship since May requesting that they update my account .Initially they gave a settlement and I went to a dealer to sell the vehicle , the dealer called the company several times with no return calls . The woman that emailed the settlement I emailed her several Times to bring awareness and sent images of the cashier check and buyers offer for the vehicle and never received a response. Since then they put a 30 day late and an incorrect balance on my Credit . As of today 11/3 my account t is still reporting late with no payment since April and this is very inaccurate. Any time I call I am advised that there is no supervisor is available. This error in reporting is causing an issue with my vantage score and causing it to be difficult for me to move and find an apartment when my lease is up In December. This is also causing an issue with me be able to trade the vehicle in which again Im trying to settle and close this account altogether .

  Business Response

  Date: 11/27/2023

  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: 11/27/2023

  
  On several accounts I called in to advise of my employer giving a notice of closing in ******* **. With this approaching I requested a settlement offer in order to utilize a portion of my severance along with a dealer to pay off the vehicle in which I could no longer afford once the job ended.
  Afterwards I received an email of a settlement for $29,000 in May .
  As of May 10, I received an after from *******  for $23,690 this was never a trade in this was a complete sale transaction inwhich I will again provide the email to show cause . Once agreed to sell to ******* they in return asked for a cashiers check for the difference and to speak to Flagship to inquire on the different dollar amounts on the offer to confirm delivery of title after purchasing . On multiple accounts I called Flagship to only get connected to agents abroad In other countries and long wait times , I then sent *******************************@flagshipcredit.com an email to provide this info to being that she sent the initial offer via email, I received no response.

  Eventually I spoke to an ********* whom I was able to provide the info from ******* . ********* stated she had to speak to a member of management and would get back to me , she advised that she would get the requested information & it would generate a new settlement letter being that the initial offer was not signed . The next day I purchased the cashiers check due to being told I would get a call back on the next business day. I never received a return call from ********* . After waiting close to two weeks for  communication by Flagship my offer from ******* expired . In return I took the vehicle to **** ***** whom offered $25,000 and I would provide a $4000 amount difference I then called back to inform this and was told a supervisor would have to review because I now needed an updated settlement letter . On several accounts a Finance Manager called in to get assistance on the sell and was told someone would return his call . After being informed this I called back to Flagship & spoke to a ********************* whom stated the notes were in the system of the phone calls from **** ***** but it seemed no one from management had officially spoke to him . After this  I asked for other options on the loan and was told a modification would the quickest action to take on the account to lower the $800 note that I know I could no longer afford since my job separation. ********************** stated she saw the notes in the system where the Finance Manager from **** ***** called , it was ************************* suggestion place a new offer for $25,000 being that this was the approved amount offered by **** ***** via the notes  , again this was not a trade in transaction. ********************* stated she saw no updates from ********* generating a revised settlement letter so she sent an email to her supervisor for review.
  About a month later I received a late pay on my account  in which I felt was very unfair being that my buyers order , cashiers check and all info was emailed to an agent to ensure the selling process was underway and we were just waiting on a return call from Flagship .I have requested on several occasions that a higher member of management review and audit all calls placed and notes allocated on this account. I also requested that emails to ***** be reviewed being that she never responded as well . I can never speak to a manager to thoroughly review all details and notes and each call I am explaining everything over and over.

  l this entire process is very unprofessional and I actually cant believe I could have sold this vehicle on two different instances however poor customer service prevented this .  In addition to requesting review of my account for several months with no response or action I had no choice but to file a complaint with the Better Business Bureau . The lack of attention to detail and poor management of account reporting to my credit has caused a lot of problems for me . Again another response received from Flagship by a " customer advocate" with first name and last name initial.  There is never a direct phone number for follow up or email information in the closing of these type letters , All agents seem to be working from remote locations where warm transfers are never done and you can hear dogs barking to babies crying while on some calls .Never an official follow up response from Management.

  Customer Answer

  Date: 11/27/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:

  I have requested a manager to thoroughly review my account notes and how many times I have contacted Flagship about the sell of the vehicle. I would like some kind of accountability on behalf of this company being that I have been very communicative on this account. I was advised by the rep ********* to not sign the initial offer because a new one would be generated. I would like atleast all calls with her be reviewed for quality assurance and transparency on the guidance she provided , I specifically communicated that we were approaching an expiration on the settlement letter in which she advised me to not consider that date because it was not the official final correspondence. In regards to the modification I was initially told this can generate a new monthly payment on the account to then receive the modification that was placed temporarily to March, again this changed . I have tried various attempts to make the best decision on the vehicle so that Flagship can get paid. If I am not in a better financial situation by March I dont see me being able to afford the$872 and this will ultimately become a repossession.
  
  Regards,
  
  *****************************

  Customer Answer

  Date: 12/11/2023

  As od 12/7/2023 Flagship have went back into my credit and updated my account to reflect that I am late 691$ , my balance increased to $37,129 and now I have not made a payment since April of 2023 . At this point I feel this is being done with malicious intent and need to seek legal action. I am stuck in a situation where I cannot even apply for an apartment with this reporting to my credit and I have been reporting this matter to them since June of 2023. I can easily go in to the customer portal and print a statement showing I am current bust this is not acceptable per the resident verify company that is being utilized for apartment verifications. 

  Business Response

  Date: 12/19/2023

  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, 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.
  
  

  Business Response

  Date: 12/30/2023

  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, 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:11/01/2023

  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 vehicle and this company was the financing company. Due to unforseen issues I needed to defer payments to the end of the term, I believe it was four payments. At the end of my contract date, I was advised that I had four more months of payments left, which I paid. Once completed I was then advised that they were charging additional interest on those payments in the amount of approximately $5000 which I disputed. I was advised that I had no recourse but to pay this amount or my credit would be ruined. Eventually I ended up settling on an amount of over $3000. Since then they are still reporting me to the credit bureaus as late and still have not received my title after having updated my address. So after over 6 years of payments with an extremely high interest rate plus additional interest at the end of my contract. I still have not received the title or anything else showing that my loan is clear. Very bad business and poor business practices!!!

  Business Response

  Date: 11/15/2023

  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, 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:11/01/2023

  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.

  We paid off our black 2011 **** ******** and flagship is still holding a lien on it and we have been trying for 30 days to resolve the problem

  Business Response

  Date: 11/15/2023

  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, 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:10/26/2023

  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.

  This company is threatening to take my car due to nonpayment. I have the documentation from my bank because I had it set up to be paid so that I would not be late. For some reason now, they can’t find my payments. I have sent the required documents showing that they are receiving my payments, the bank that stamped the back of the checks. I get a different answer every time I call; they are extremely rude, will not try to figure this out. My bank has told me that I have provided everything possible to prove payments. Now they are wanting my complete running bank statement which I feel is non of their business. I am at my Witt’s end. I will hate to pay my attorney to get this straight, but threatening to pick up my car I don’t know what else to do.

  Customer Answer

  Date: 11/07/2023

  I have received another call from this company and my payments that they cant find. They finally found my August payment. They now cant find my September and October payments. I have sent them proof of those payments. I was hung up on, and when I called back, they were so rude that I hung up and emailed the supervisor. I am attaching the email that I sent to add to the other documents that I have sent you. 

  Business Response

  Date: 11/10/2023

  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, 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.
  
  

  Business Response

  Date: 12/04/2023

  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, 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.

  Business Response

  Date: 12/04/2023

  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, 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: 12/15/2023

  I didnt see a request for more information. I have sent documents showing that my payments were made: copies of where they had posted. What else do you need? I have emailed the supervisor, collection department and customer service trying to find out why they still havent posted my August payment. It has been stamped. I was advised not to send a running bank statement. I sent them proof that someone in company is getting my payments but not being posted. I had my account put on a bank draft so they would not be late: this company has a problem with posting payments. I still havent gotten anything resolved due to no one responding. Is there anything else I can do? 

• Initial Complaint

  Date:10/26/2023

  Type:Sales and Advertising 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 never was late on any of my payments as a matter fact I'm always early, I traded my 2019 ******* ****** on June 5, 2023 my payment wasn't due until the 16th of June so after the dealership sold my vehicle on July 18th I still waiting on reimbursement for that car payment but instead getting a lot of Bull

  Business Response

  Date: 11/10/2023

  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, 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:10/23/2023

  Type:Billing 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.

  Paid my vehicle off for amount that I was given for a 10day payoff and a balance still remains on my account. Was told by a supervisor that it would be removed and as of today the balance is getting larger. Have called serval times and email and problem still hasnt been resolved. I want a zero balance, my title and paid in full as agreed to be reported to credit bureaus.

  Business Response

  Date: 11/06/2023

  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, 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: 11/07/2023

  [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:10/23/2023

  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 recently discovered an unauthorized inquiry on my credit report dated [Jan. 05, 2023]. I did not give consent for this inquiry and have no prior dealings with the business in question. I have contacted the creditor regarding this matter, but there has been no response from their side. Please investigate and remove it from my credit report promptly.

  Business Response

  Date: 11/05/2023

  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, 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:10/23/2023

  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 recently discovered two unauthorized inquiries on my credit report dated [Mar. 02, 2022 & Jan. 03, 2022]. I did not give consent for this inquiries and have no prior dealings with the business in question. I have contacted the creditor regarding this matter, but there has been no response from their side. Please investigate and remove it from my credit report promptly.

  Business Response

  Date: 11/05/2023

  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, 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.