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:08/19/2023

  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 paid off the vehicle was told I'd receive title in 10 days. I have not received and its now 5 to 6 months later. I keep calling and cant speak with a live person because my social security # and account # is no longer in there system. I tried to log onto my account and don't have access any longer. I sent an email to ***************************** and I am awaiting a response.

  Business Response

  Date: 09/03/2023

  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:08/18/2023

  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.

  Every time I call the customer services they never know the reason of my call the dealership has sent a check to flagship and they have no idea where it is the tracking number said they have it but they always excuse themselves saying its another department I need to make sure is processed before they report as late a payment and they dont know that either I was rudely disconnected very disappointed with this company after so many years of being with them I will never recommend their customer service is terrible rude and no one knows anything because its not their department.. so then transfer to the correct department. And Im paying my monthly bill so Im not late in the credit report when they already have a check from the dealership and thanks to flagship my kids are not having food this weekend on the table

  Business Response

  Date: 09/03/2023

  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:08/09/2023

  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.

  08/09/2023- I had finally received a detail voicemail in regard to who has been constantly calling me over the last several week. The voicemail has been coming from the auto finance company, Flagship Credit Acceptance. I returned the phone call to Flagship Credit Acceptance & spoke with a customer service representative. I informed the representative, that I assumed the call was regarding a missed payment. The representative informed me that yes, my account was overdue. I informed the rep that my payment was mailed off from the post office on 7/27 for my due date of 8/3. The Rep stated, "due to us undergoing a new system payments are being posted late & anything after 11 days will have interest added." I informed the rep that I have been mailing my payments to this company for over 5.5 years & never had an issue. The rep stated that he couldn't do anything about the possible late fees; however, he will notate the account. The Rep also went on to say that I should avoid mailing in my payment & use another way of payment. The rep was notified that I will not change my course of payment due to their system not being sufficient in handling their payments. I also asked, would this late payment reflect on my credit report. The rep stated it might but he wasn't sure, only thing he can do is notate the account. At this point, I don't understand how the changes within this company should reflect as an issue with the customer. Through my bankruptcy & through the pandemic I have always paid my car note on time. This is the second incident with them in 3 years. In 2021, I was notified that they received a partial payment. Through getting proof from the USPS about where the postal money order was, when it was cashed & who cashed it, that issue was resolved but an apology was never given nor was the reason of what happened to the payment ever disclosed. Now I have another issue with payment and I'm treated as if I'm the one with the issue & then they want to put a blemish on my credit report for their foolishness. This unacceptable. This company needs to be held for accountable actions & not overlooked.

  Business Response

  Date: 08/24/2023

  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.

• Initial Complaint

  Date:08/09/2023

  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.

  Since June of 2023, I have been trying to change my payment due date from the 3rd to the 20th, because the 3rd falls close to rent. Flagship noted in the system due date will change however they keep calling me every month since around the 3rd telling me my payment is late and I will have late fees. This company is a scam, trying to collect extra money from me by charging me late fees and has not honored my due date change as promised.

  Business Response

  Date: 08/24/2023

  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: 08/29/2023

  [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,
  
  *******************
  

  Customer Answer

  Date: 09/28/2023

  Flagship still have not changed my due date. After speaking with 2 different representatives today, Flagship still has my due date being the 3rd of every month. 

  Business Response

  Date: 02/14/2024

  Flagship received notice of *** ****'s additional message on Tuesday, February 12, 2024, however, the comment is dated in the portal as From the Consumer on Thursday, September 28, 2023. Flagship has confirmed that *** ****'s concerns have been resolved.

• Initial Complaint

  Date:08/08/2023

  Type:Order 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.

  My car should've been paid for in Feb 2023! When I first bought the car in Feb 2019 it was $11,999 and after interest around $18/19,000! I never got a copy of contract because dealership went out of business! Only got paperwork to get tag and it reflected that! **** I asked for my payout now flagship saying I still owe over $12,000! Said the total for my car was $32,000 which is double the amount of the car! There's so many discrepancies in my contract! It has 2 different cars that says I traded and I didn't trade a vehicle when I got my car! I only had to put $100 down! There's NO WAY I would've said I was paying $32,000+ for a used car cause even a new one wouldn't have costed that much! I think they took advantage of me! Not sure what integrate rate of anything they used but I do know I had a friend that I sent over there and her car was $21,000 and her total was less than mine and she had to put $2,000 down! Yes I have been late a couple of times and yes I know interest acrrues but I know there's no way I would've signed anything paying double the price of the original loan

  Business Response

  Date: 08/23/2023

  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:08/07/2023

  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 this vehicle and paid up until monthly on autopay. I have attached the bank acct withdrawals. In June I paid off the vehicle in the amount of $4543.04 plus a $4.50 service fee on June 13,2023. I was to receive my title within 21 days of payoff. I have yet to receive my title. I sold the vehicle and now due to living in Oklahoma, the buyers are driving on my license plate as they cannot get a plate until they receive the title from me. As of today, when calling Flagship constantly, they are now saying I am $900 plus behind and delinquent on my account. I have given them the confirmation number of the payment and they have record of it. This issue has been sent to management on several occasions and still nothing has been done or completed. Flagship keeps telling me to wait three business days and they will take care of it. Nearly 2 months later, I still have not received my title and are telling me I owe a balance and delinquent and will be turning it over to my credit. I am needing help to receive my title, make sure they do not turn it over to credit and remove the "balance" they say I have.

  Business Response

  Date: 08/22/2023

  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:08/05/2023

  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.

  Completed a repossession (Finally, never thought you would come) now continues to call and refuses to return items from inside car. Want stuff out of car. Don't care about the car had no intent on paying it after they refused my payment because it wasn't enough trying to catch up past due ammount

  Business Response

  Date: 08/20/2023

  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:08/02/2023

  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.

  For months I have been trying to change my due date.After my first payment I was told they can change my due date. I made a call and told me to call back because if their system changed, a week later i called. When I called I was told they will put the request and changed it. A few weeks later I got a text that my due date is coming up. I called them and told me my account is late. I told them i had it changed a few weeks ago. They told me to make payment on the day i requested and they told me after the payment they're going to change it again to the date I requested, they charged my account late fees but waived it. After I made the payment they assured me that the date will change. Now comes August, I got a text from flagship that my due date is tomorrow. I called them and said my due date has not changed. I was on the phone for 20 mins things got heated up because all I want is simple. my due date changed. But for some reason it's rocket science for this people. I tried to speak with a supervisor and put me on hold for 5 mins just to tell me theyre not available. This is effecting my credit score! Changed my due date!

  Business Response

  Date: 08/17/2023

  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:08/02/2023

  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.

  We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically: Send your complaint to the company for a response; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or Let you know if we need more information to continue our work. YOUR COMPLAINT On August 13, 2022, I began to make multiple payments of $1332.46 on my loan. It was then that I found out that the GAP insurance, Service Warranty, and Daily interest rates were unknown to me. On October 22, 2022, I made a payment of $1984.50, which is another 3 months of payments. On January 19, 2023, I made a payment of $1951.26, which is another 3 months of payments. I reached out to the company about the daily interest, and the warranty plan, and contacted the dealership when the company called with threatened tactics. I tried to file a complaint with the Better Business Bureau and could not find any information on the company. When I did research on the company, I found out that the same issues I was experiencing there were others, and a lawsuit was filed. On May 18, 2023, and May 26, 2023, I received several calls, after 7 pm about my missed payments. I explained the multiple deaths in my family and asked if the missed payments could be put at the end of the loan. My email response was sent to ******* ********** and the calls became harassing and more threatening with ruining my credit, repossession of my car, and the calls began to be back to back all day every day. Today. August 2nd, 2023, I have tried to refinance my loans with several other banks such as *** Bank, **** *******, ****, and *** and I was turned down due to my loan not being 60 months it's actually 84 months, even though my mileage on the vehicle is low to be 2017, I have so many extra fees attached to the loan that no one will touch it. They can't find reputable information on the lien holder.

  Business Response

  Date: 08/16/2023

  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:07/31/2023

  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.

  Due to whom it may concern, This is ************** and I’m the father of my son “*******” and we are aware of these missed payments at this time, but we had a major medical concern for my son within last few months and he’s been on disability concern by his Doctor and has NO Cell Phone service or provider no more at the moment and We are aware that My Son hasn’t been able to make his monthly payments due to loss of job and major medical concern we’ve been dealing with and he’s still in pain from his disability and loss of his job! I was having difficulty with income due to my wife passing back in December 2022 and my illness went downhill as well. . We’ve been receiving emails from Flagship that my sons payments have been due and WE ARE AWARE of it. Please let us take sometime not recover since we’re on a tight income and no work at the moment. So PLEASE, Let us get back on track with his health first and will contact you when he’s back to little or to normaI and asked them to give us an extension time for his recovery so he can get back to normal and find a job and he’s going to be starting a job in Middle of August. We called “4” times and all we get is answering machine and don’t speak to a regular person like we do at a normal bank. I input my sons last four social and three times and it locked me out again. Very frustrating! This was last week on Friday. I am just trying to do the responsible thing and avoid being reported to the credit agencies however there really is not much that I can do but call and leave emails. We’re looking at new bank and new loans to better services for our loans needs. Will call soon when we’re recovered and back to normal soon. Thanks for your understanding! *** *****. “The father of the Son”

  Business Response

  Date: 08/14/2023

  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.