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:09/06/2023

  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 business is showing on my credit report as hard inquiry to which I have no knowledge of. It has a request date of 8/17/2023. It is affecting my credit worthiness.

  Business Response

  Date: 09/20/2023

  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:08/30/2023

  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 am unable to get ahold of any manager or resolution of my payment reallocation. I have been making additional payments that I would like to have applied to my principal balance however it has been three weeks for them to adjust the payment, to date it has still not been resolved. As of my last payment that was made on 8/3/2023 my ending balance was $30,386.98 according to their balance sheet. I made an additional payment on 8/11/23 of $1,635.00 which should have made my balance $29,068.32 according to the phone agent. as of 8/30 that payment has not been allocated to the account. My monthly due date is on the 21st of every month. I was advised not to make my August payment until this payment has been processed, however when I called back they said that the payment reallocation would be denied if the account is past due, so I made another payment of $1,000.00 on 8/30 to cover the August payment. Their online website does not  show billing statements or transaction history. You have to request a payment history and that takes 3-5 business days so when you get it, it's already out of date. I would like my balance correctly updated and a new payment history sent to me. I am active duty military trying to get a home loan and the incorrect balance and the creditor not reporting payments to the credit agency, is hurting the process. I need some assistance regarding this matter. My account number is ***************

  Business Response

  Date: 09/15/2023

  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:08/29/2023

  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.

  This company, if you are a few days late will harass you, call you at least 7 times. Sometimes they will call me before 8am and sometimes after 9pm which is illegal for creditors to do. I will be refinancing this car out of flag ship and then will be filing a formal and legal complaint for harassment. Stay away don't get a loan from here

  Business Response

  Date: 09/15/2023

  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:08/29/2023

  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.

  Warranty was removed from car payment but monthly payment was not reduced after being told it would be. Balance reflects adjusted amount but payments were not adjusted as stated to be

  Business Response

  Date: 09/15/2023

  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:08/27/2023

  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.

  I'm writing about my auto loan account ending in #*****. I'm grateful for the help received in managing my financial difficulties. My last payment of $200 was made on 7/6/2023. A month ago, I was granted a deferment due to ongoing financial challenges. Unfortunately, my situation hasn't improved significantly. On 8/24/2023, I chatted with a representative on your website. We discussed extending my payment deadline to 9/14/2023 due to a $300 rent increase. My previous $1439 rent is now $1749, adding more strain. There I was informed that only 1 extension is permitted. Scheduled payments were established: - First scheduled Credit Card payment of $210 on August 31st, 2023 - Second scheduled Credit Card payment of $410 on September 14th, 2023 However, at 3:26 pm, I received an email stating I'm in default and must pay $665 by 9/6/23. Failure would lead to credit bureau reporting and vehicle repossession. I contacted customer service, learning the email was generated after scheduled payments were set up. The rep suggested the 8/31/2023 payment may provide a slight leeway but not a guarantee. I grasp the importance of financial commitments. Losing my vehicle would worsen my challenges, given its significance in my life. It's vital, especially with the rent increase potentially affecting my apartment. I assure you the scheduled payments are a priority. They're planned and will be executed without insufficient funds. While I understand credit bureau concerns, my immediate worry is losing my vehicle. Recognizing my responsibilities, I'm fully committed to resolving this situation. I earnestly request withholding any repossession proceedings for my vehicle. Thank you for considering my plea. Your support during this challenging period will ensure my transportation and “impromptu” shelter. Grateful for your time.

  Business Response

  Date: 09/11/2023

  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.

  Customer Answer

  Date: 09/13/2023

  Dear 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. 
  
  Thank You,
  *******************************
  
  

• Initial Complaint

  Date:08/26/2023

  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 did not apply for a loan from this company. Someone I know had their credit pulled by this company and said I applied for the loan.My friend received the letter below, but didnt apply neither did he. This is fraud and I want it corrected with all credit bureaus and an acknowledgment of wrong doing in writing. Re: Application Number: ******** Adverse Action Notice Thank you for your credit application. After carefully reviewing your application, we are sorry to advise you that we are unable to approve you for the requested credit at this time. You have a right to a statement of the specific reasons for this action. If you would like a statement of the specific reasons why your application was denied, please write to us at the address provided above or contact us at ************ within 60 days of receiving this letter.We will provide you with the statement of reasons within 30 days of receiving your request.Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. The reporting agency played no part in our decision and is unable to supply you specific reasons why your application was denied. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to receive a free copy of your report if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency. If no reporting agency is indicated, it means we did not obtain information from a consumer reporting agency.********** ************ ********************** P.O. Box **** *******, ** ***** www.**********.com We also obtained your credit score from this consumer

  Business Response

  Date: 09/11/2023

  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:08/25/2023

  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.

  I paid off my vehicle last August 2022 and have yet to receive my original Title. I will not accept a duplicate title nor do I have to. I have called this company numerous time with false promises given to me of mailing me my title. The last conversation I had I was told they would send me an electronic title in which I could go to the DMV  and obtain the original title. This never happened. I was also told that I would be given a call back to ensure the title information was received and it was not. Now when I call the only phone number for this company, I reach an automatic system that is not able to help me given they have changed the formating of the account numbers. When I put in my information I am not found in their system which makes sense since I have paid off my vehicle over a year ago. Instead of their automatic system getting me over to an actual person that could potentially assist me as before, it hangs up and nothing happens. I've grown very frustrated. I have paid for my vehicle and expect my original title ASAP

  Business Response

  Date: 09/11/2023

  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:08/23/2023

  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.

  On 7/31/23 I had surgery & was out from work. I had called Flagship to make payment arrangements for my car payment & explained that I was out of work & my short term disability payments were pending due to paperwork & that the second payment they wanted to arrange was not a guarantee that funds would be available & they told me if they weren’t I could call & let them know. On Friday, 8/18/23 I was still waiting for approval for my payments so I called Flagship to let them know & asked if the scheduled payment could be reversed until the end of August to give an extension for my short term disability payments. The representative told me it was no problem, that my payment was reversed & informed me that as long as I paid by the end of August Id be fine, though I may have to pay a late fee. On Monday, 8/21/23 the payment of $415.03 was still withdrawn from my account which put my account -$300. I called a representative who told me there was nothing she could do on her end to reverse the payment. I then spoke to a supervisor who also told me she could not reverse the payment & I advised her that funds were taken out of my account against my permission which is illegal and that I would escalate the issue. This has caused me an even greater hardship during a time when I am not being paid while off on short term disability resulting from surgery & I have children in my home. I explained the money I had in my account was for a house payment as I was being threatened with foreclosure due to being behind on payments because of my leave payment’s pending & she still refused to reverse the payment. I would like to be contacted regarding this issue with a solution due to funding being taken from my account against my permission, increasing a hardship, & very poor & unprofessional customer service with this company in hopes this can be resolved without having to seek higher escalation. I have also informed them I do NOT give permission for funds to be taken without my consent.

  Business Response

  Date: 09/06/2023

  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: 09/13/2023

  [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:
  
  Regards,
  
  ***************************
  

  Customer Answer

  Date: 09/13/2023

  [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 call with the supervisor was ended shorty after speaking with her because she also declined to return the payment and said it was unable to be done and suggested my bank return the payment which is not able to be done on their end because Flagship authorized it to go through as a debit card transaction and did not authorize it directly from the account. The bank explained they could do a stop payment but companies like this will commonly change the amount (example: if payment is $415.03 they will change amount to $415.01 to bypass stop payment). At this time I will be in contact with my bank to receive copies of overdraft amount for reimbursement. The payment that went through can be left as is since funds have since been directed into my account to complete the August payment. I show no history of any representative ever reaching out consecutively after the complaint nor did I receive any voicemail messages indicating that they were attempting to reach out to resolve the matter which I do have proof of in call log history. They did however, reach out automatically on my review for their company saying to get in contact with them to resolve the matter which I did not do as previous attempts were unsuccessful and I was not satisfied with the customer service received and the hardship the company caused me. 
  
  Regards,
  
  ***************************
  

  Business Response

  Date: 09/22/2023

  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:08/22/2023

  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.

  The account is paid in full and need it gone from my credit report. it has been over a year since the account has been resolved.

  Business Response

  Date: 09/06/2023

  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: 09/13/2023

  [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: 20509198
  
  I am rejecting this response because: The ****** ******** you have on file is not me for the **** ******** . my last 4 of my social is **** and birthday is **** *** ****. I only have one vehicle and it is not this one. Also I reside in the state of Colorado not Imperial beach California. please correct your mistake and remove the previous credit report for the 2012 **** ******* that was paid last year thank you.
  
  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:08/22/2023

  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.

  A payment of $775 was removed from my account on April 13 for a car payment. This company is telling me that they never received said payment also have been waiting three months for them to process and apply gap insurance as well as other insurance to the payment so I am able to refinance with a different bank only to find out that they did not apply the money where they said they were going to so now they are threatening me with repossession of a vehicle even though it is all their fault at this point

  Business Response

  Date: 09/06/2023

  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.