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:10/20/2023

  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.

  I applied for a GAP refund on July 13, 2023 after refinancing my car, it is now October 20, 2023 and they have not refunded my money per my request. I can not get any answers, if you don't have a account number current with them you cannot even get through there phone system to speak to customer service!.

  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.
  

  
  

• Initial Complaint

  Date:10/20/2023

  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.

  Dear Better Business Bureau, I am writing to formally lodge a complaint against Flagship Credit Acceptance regarding the repossession of my vehicle and the subsequent unjust fees that were imposed on my account. In 2022, I faced a layoff due to Covid-19 related circumstances, which led to my falling behind on car payments. During this period, Flagship Credit Acceptance levied numerous fees on my account. It felt as though every conceivable fee was added, significantly increasing the amount I owed. Despite the financial strain, I managed to gather the necessary funds and paid off all the fees to reclaim my vehicle. However, to my dismay, the following month I noticed that Flagship Credit Acceptance had once again added a repossession fee of $600.00 to my account. Confident that this was an error, I contacted their customer service. After a prolonged discussion, I was escalated to a supervisor. During our conversation, which was recorded, the supervisor acknowledged that the company had mistakenly added hundreds of dollars in repossession fees to my account. I requested written confirmation of this admission, but the supervisor declined, only noting that our call was being recorded. Despite this verbal acknowledgment, the unjust fee has not been removed from my account. I am deeply concerned that this might not be an isolated incident, and that Flagship Credit Acceptance may be systematically overcharging customers. It is distressing to think that a company would take advantage of customers, especially during such challenging times. I believe that Flagship Credit Acceptance's actions are not only unethical but also tantamount to theft. I urge the BBB to investigate this matter thoroughly to ensure that other customers are not being unfairly charged. Thank you for your attention to this matter. I trust that the BBB will take the necessary steps to address this issue and protect consumers from such malpractices. Sincerely, ******* *****

  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: 11/09/2023

  [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 am rejecting this response because it fails to adequately address the discrepancies noted in the charges applied to my account. Specifically, the imposition of a repossession fee that had been previously settled, and the inconsistency in the amounts due as per the "Notice of Default and Requirement" letter. These issues demonstrate a significant error in the handling of my account, and until a full and transparent correction is provided, along with a revised statement reflecting the accurate account balance, this matter remains unresolved.
  
  Regards,
  
  ******* *****
  
  
  
  
  
  
  
  
  

  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.
  
  

• Initial Complaint

  Date:10/19/2023

  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 disputed this claim multiple times on all bureaus, and you continue to be dishonest with your reporting. This vehicle was paid almost $30k in total, to further insult to injury, I have found that with my lump sum payment in June 2023, that you have failed to report to the bureaus honestly, at that point, I was told that I would be hearing from someone on the paperwork, as I worked out an agreement with your company, due to blown head gasket, that the vehicle was paid in full, instead, you keep reporting that the vehicle is a charge off and I owe you $27k, not too mention, you have failed to update the payment and balance. This is illegal reporting due to Federal Laws, I am asking that you immediately correct my credit reports, and release this debt as was agreed upon when I made the payment and sent the ********* to pay this off. The federal government states that this is illegal and you are harrassing me with trying to damage my reputation and also trying to double collect. I will look for this to be settled as soon as possible.

  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.
  

  
  

• Initial Complaint

  Date:10/18/2023

  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.

  This company fraudulently obtained my credit information to run credit application for something I did not give permission to or authorization to do so. Ran a credit check on my credit report and refuse to remove the inquiry. I had never contacted this company before, nor did I provide them with my signature or permission to do a credit check. I never applied for a financing for a car or car refinancing.

  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:10/18/2023

  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.

  I am aware that I am severely behind on my payments, and I apologize for any inconvenience this may have caused. I have always prioritized my financial commitments, but I am currently facing some unforeseen challenges.I am pleased to inform you that I have secured employment as a customer service representative at Sedgwick, which begins on October 24, 2023. However, I am currently in between jobs, and this transitional period has put me in a difficult financial situation. In addition to my upcoming job, I have interviews scheduled with ****** *** Courier on October 19, 2023, and October 23, 2023, for two separate locations. I am actively working towards improving my financial stability and ensuring that I can meet my obligations. The reason for my financial strain is the increasing cost of living. My rent has gone from $1459 to $1759 in just one year for the same apartment, and other bills, such as utilities, car maintenance, car insurance, phone, and daily necessities, have remained constant. Unfortunately, the chance for higher wages has been elusive, making it increasingly challenging to keep up with these rising costs. I want to emphasize that I did not intentionally fall behind on my car loan payments. I understand that timely payments are crucial, and I have always made them a priority. However, the current circumstances have made it incredibly difficult for me to meet all my financial commitments. I kindly request an extension for my car loan payment to help me bridge this gap until my new job becomes active. I am committed to catching up on my payments as soon as my financial situation improves, and I am grateful for your understanding and assistance during this challenging time. Please let me know if there are any forms or documentation you require from me to process this extension request. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your understanding and support. Sincerely,********************

  Business Response

  Date: 11/01/2023

  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: 11/18/2023

  My apologies, it was taken care of.

  Thank You

• Initial Complaint

  Date:10/09/2023

  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.

  Flagship credit acceptance hired a tow company that destroyed my 4 day old asphalt driveway and flagship is refusing to do anything about it. They are putting it off on the contractor who they hired.

  Customer Answer

  Date: 10/23/2023

  Not only did they destroy my driveway their tow driver shot and killed my dog 

  Business Response

  Date: 10/24/2023

  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: 10/25/2023

  [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:
    You guys have still refused to furnish proof that the driveway wasn’t destroyed by the tow truck driver. I’ve got proof it was damaged by him dragging the truck and leaving his stabilizers down which are permanently marked in my driveway. Also gps location on my dogs collar was tracked to roughly a mile and a half from the tow company’s lot. And the collar was cut off and my dog was found deceased with a bullet hole in his head. Where the truck was towed from to where the dog was murdered is over 20 miles. My dog had no reason to be that far away. He was in the back of the pickup cab. 
  
  Regards,
  
  *****************************
  

  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.

  Customer Answer

  Date: 11/07/2023

  [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: the tow company admitted they recorded the tow yet both you guys refuse to furnish the video evidence of the tow which is proof you guys are aware of the damage to the driveway and the death of my dog. Also where are the two missing firearms out of my truck they were there along with my dog and now my dog is dead and the firearms are missing. 
  
  Regards,
  
  *****************************
  

  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.
  
  

• Initial Complaint

  Date:10/02/2023

  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.

  On September 20,2023 @ approximately 9:55pm EST I received a call from Flagship credit in regards to my account. I do know that this is in direct violation of my FDCPA. I tried to reach out to the company but they are giving me the runaround in regards to their direct violation and the $2500 remediation amount for the violation.

  Business Response

  Date: 10/12/2023

  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:09/27/2023

  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 had did a third party payoff on my car in June 28, 2023. The pay off was less then what the check was written for. (112.96) over and then in July 3, 2023 they went and did and ACH on my bank account for the amount of $267.00 which is the monthly car payment. But I had no payment due because the car was paid off. The account number is *****************

  Business Response

  Date: 10/11/2023

  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:09/26/2023

  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.

  To whom it may concern,In April of 2022 I purchased a very used 2014 **** ******** from *****************. When purchased, it was mentioned that it had been in an accident without any description or Carfax report. We assumed it had been properly fixed and I should have asked for more details. Unfortunately, from day one, we have had issues. In the list of repairs, most recently is the rear end almost completely depleted.As a direct result of the previous rear end damage, there was a repair bill of roughly $5000. Luckily, I purchased a separate warranty before cancelling the one provided by you, and they covered 90% of $5000. I am left to pay $654 out of pocket. ********************* ***** **** *** is currently working on the repairs. I am paying $654 for previous damage that was not addressed properly from your dealership. Not only the remaining $654 I am responsible for out of pocket, but I have also been without this vehicle since September 9th (almost 3 weeks) while trying to put closing costs away to purchase our home. It was definitely a hurdle. I am not impressed with the condition of this vehicle and for the price I have been paying, it should have been in much better condition. That being said, I will be much more aware next time, so I don't have a similar problem in the future. The purpose of this letter was to make you aware of the situation and give you the chance to give any response or explanation you might have. This vehicle should not have been available to finance in that condition. I look forward to hearing from you. Sincerely, **************************

  Business Response

  Date: 10/10/2023

  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.

  Customer Answer

  Date: 10/16/2023

  [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: my payment is NOT currently over due and the balance is incorrect. I am also requesting a copy of the carfax report with detailed damage. We live 2 hours away from said dealership and would not have purchased if accident report was fully explained. I've looked through all my paperwork and a carfax detailed report is not included. I understand you are not responsible for amount of vehicle they charge but you should be responsible for the condition in which you approved this vehicle. Having a non working vehicle for over 5 months is not acceptable 
  
  Regards,
  
  *************************
  

  Business Response

  Date: 10/26/2023

  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:09/23/2023

  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.

  To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. FLAGSHIP CRD SERVICES ACCT #: **************** *BAL. $0 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 10/09/2023

  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, 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.