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:07/27/2023

  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.

  So, I've attached some documentation but I continue to receive phone calls from Flagship credit acceptance on a loan that I finalized on 5-23-2023, with a settlement payment of $1,604.50, due to a total loss of a 2013 **** ****** we had a loan with. I've been told several times The settlement was approved by manager and ***** and ****** that assisted me with the transaction that day 5-23-2023. I've been told that Flagship has gotten a new system and they would be sending me settlement paperwork and as of today have not received any documents. They continued to call telling me I'm past due on my account and I continue to tell them I've settled and I tell them I have a message into a manager and NO call. I've called 6/8, 6/11 and the final call was 6/13 was a manager ******* ******** that told me that my settlement is noted, but again haven't received settlement paperwork from the company and continue to receive calls that I'm past due. Flagship hasn't resolved this the problem what so ever....and continuing to report to the credit bureau as well. Account#***********, Date of Total Loss 11/10/2022. I've uploaded the original documents I received on 5-2-2023, from Flagship and my final settlement paperwork from my insurance company on the total loss if needed. I'm really looking for settlement paperwork for my file and also the stop of phone calls from Flagship and reporting on credit bureau. Thank you for your time. ******************************* ************

  Business Response

  Date: 08/11/2023

  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: 08/12/2023

  [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:07/27/2023

  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 refinanced my 2016 **** **********. Flagship credit acceptance received the payment for the loan to be paid off on 4/21/2023. On June 15, 2023; flagship credit acceptance received a check for $576.51 which is my refund for my gap insurance. I called on July 13, 2023 and spoke to *****. She claimed my check would be sent the following week. On July 14, 2023 a letter was sent out claiming my ********** loan was paid in full. I called again on 7/19/2023 and spoke to *******. She claimed she would check into it and call me back. I called 7/24/2023 and spoke to *****. He said the check was sent out on the 25th. I said the 25th of what because I havent received a check. He said he would follow up and call me back. Called again on 7/25/2023 spoke to ******. She stated sent out on the 25th and she would check and call back claims accounting deals with this situation. They have all said this and no one has called back period. This is ridiculous and poor business ethics. I want my $576.51 Im entitled to for my gap refund.

  Business Response

  Date: 08/10/2023

  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:07/25/2023

  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.

  My 2017 ********** ********* was totaled on 5/15/23. ******** Insurance sent the 1st payoff check on 6/1/23 but the check was not posted and on 6//21/23 Travelers canceled the check and on 6/27/23 ******* Insurance issued a new payoff check. Today is 7/22/23 and the 2nd check has not been posted. I have emailed customer service several times but no response. I've sent them the check number and info. I hear nothing back. I call them but the representatives say call back in a week which I do but there is no one that cares or has the ability to contect me to someone that can actually work on this. I can't buy a car until this is completed. They will owe me over 2600.00 once the check is posted. I need a car but they just don't care. Please contact me.******************************* ************ *********************

  Business Response

  Date: 08/09/2023

  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.

• Initial Complaint

  Date:07/25/2023

  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.

  On June 30th 2023 I paid the payoff amount for my car loan over the phone in the amount of $1,900.71 to Flagship Credit Acceptance. I was provided with the confirmation number ********. I was told I will received an email confirming that I paid my car loan in full and I will received the new title in the mail. I checked my email a few days after June 30th an never got an email stating I paid off my car. On July 18th I contacted Flagship Credit Acceptance and spoked to a supervisor named ********* , he stated he will resolve the issue and stated the money was applied to the wrong account and by July 21st the money will be relocate back to my account. I still didn't received an email that I paid. On July 25th I check my account and notice there was a past due amount so I called the business and again I was told the the money still hasn't been apply to my account and that I should called back on Friday July 28. After 30 days the business fail to resolve the problem.

  Business Response

  Date: 08/10/2023

  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: 08/22/2023

  Compliant has been resolved thank you . Greatly appreciate it 

• Initial Complaint

  Date:07/22/2023

  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.

  I had my car refinanced a year ago with Flagship, each month they mail out a statement for my payment. I set up my bill pay through my bank with all the information from the monthly statement. Yesterday I made a payment from my bank account and received a call today. I thought the call would go like the others I would inform them that I paid and that would be it. Well the lady informed that I would have to call my bank and have the payment stopped because they changed the account numbers. This was the manager telling me that they will not except my payment because the incorrect information is on it. He did acknowledge that a lot of customers did not receive the email due to them going into spam and they did not mail the information. He stated that they did what was easiest for them. I called the bank and they stated my payment was electronically sent and they can’t do anything because it is already deposited in their bank.

  Customer Answer

  Date: 07/27/2023

  Refuse to except my payment because I used the invoice number that they mail monthly in my statement. I asked for the supervisor and he was rude stating that he will not except and I will be charged late fees because I will have to wait for my payment to be refunded and late fees will accumulate until paid. Stated a lot of people had the same issue and it’s in spam and they didn’t mail anything they did what was easiest for them.

  Business Response

  Date: 08/10/2023

  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: 08/11/2023

  The issue that the agent was having was the incorrect account number. They said that everybodys number has changed and they will not accept payments with the old account number. I keep receiving invoices with my original account number which is very confusing because this is what I use to pay my monthly bill. Is there any way that the new account number could be on the invoices thats mailed out each month?
   Complaint: ********
  
  I am rejecting this response because:
  
  Regards,
  
  *********************
  

  Business Response

  Date: 08/18/2023

  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: 08/18/2023

  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:07/20/2023

  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.

  Have been in contact with 3 different CSRs and one supervisor. The first 2 CSRs claim I can't talk to a supervisor left me on hold for over 15 minutes never checking back till the 20 mark. Both lied and said that they put my request in for voluntary surrender and didn't. The 3rd CSR did. Yesterday I finally spoke with a supervisor whom was rude and lying as well. She stated that they sent a confirmation letter to me by email twice.....lie lie lie. My email has never changed because they use it to send confirmation of payment being made. My identity has been put at jeopardy twice with their security breaches. So now they're intentionally not making arrangements to pick up the vehicle. Make sure that you record all phone conversations with them because they liiiiiiiiie. This company is nothing like the Loan Processor that sways you into financing with them. BELIEVE THE REVIEWS. The harassing phone calls that call you 7x a day even after you schedule a payment and the scheduled date is five days out, they will call and hangup all throughout the day until they get a payment. I've recorded my phone calls and then confirming the dates and lying about sending the emails. I want to know where is their headquarters located?!

  Business Response

  Date: 08/03/2023

  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:07/19/2023

  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.

  Trying to get a duplicate vehicle title for my 2005 ***** **. The state of NC DMV has said that there is a current lien by Flagship Credit and that the lien needs to be released. The car has been paid off about 8-9 years ago. 2005 ***** ** VIN: ***************** Title: ***************

  Business Response

  Date: 08/03/2023

  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.
  

  Customer Answer

  Date: 08/13/2023

  [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:

  Spoke with ****** and provided the address of where the ** DMV states the title is placed.  She said that she will discuss the matter with upper management.  Awaiting to hear word.  

  Regards,
  
  ***********************

  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:07/18/2023

  Type:Service or Repair 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 paid off my vehicle 3/2023. I have not received my title. It is also still showing as a debt on my account. No one has contacted me. It is also very difficult to reach someone once your account has been closed. This is the worst finance company. It is July 2023 and it is still on my credit report as if I owe money.

  Business Response

  Date: 08/02/2023

  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: 08/15/2023

  Resolved

• Initial Complaint

  Date:07/17/2023

  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 currently have a car loan with Flagship Credit Acceptance. My husband lost his job a while ago, and he was the one making the payments. This put my account behind, as well as several other bills that we have in our household. I made payments when I could and tried my best to keep it from falling too far behind. Due to extenuating circumstances. The car note fell further behind and I entered repossession status over the summer (2023). In July 2023, I made 2 payments to help with the amount owed. I was then told by another representative that if I could get another payment in within a few weeks, I could get the hold removed off of my account. I was planning to make another payment on my next pay date, which is July 31st. I am a teacher and I only get paid once a month. However, on July 15th, I received an emailed document stating that if the full balance of $1100 wasn't paid by the 28th of January, they would continue repossession attempts. I understand that it is my fault that I am behind and in the state of Louisiana, they can repossess without any further action. I am the one who is in default, and I understand that. However, this is my only means of transportation. And I have made over $1100 in payments in the last 2 weeks. If I had known that those payments would mean nothing, I could have saved them to search for another car, because I can't work to make payments at all with no ride. School starts back soon and that would leave me in an even harder place. My plan was to make another payment July 31st and then another on August 2nd. This wouldn't have brought my account current and only due for the then August payment. Flagship can clearly see that I am trying to make an effort, but it seems that it is not good enough for them. My only request is that they allow me to make a payment on the 31st instead of the 28th and then again on the 2nd of August, 2 days later to bring my account current. It seems that they are now only focused on repo.

  Business Response

  Date: 08/01/2023

  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: 08/02/2023

  [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.  However, this resolution is through no assistance from Flagship, but from me now having the extra money to get the payments caught up enough for the extension. Despite my efforts to get the payments right, Flagship showed absolutely no concern. My payments will be on time from this point forward and I will be refinancing with a company with a better reputation as soon as I possibly can. 
  
  Regards,
  
  *********************
  
  

• Initial Complaint

  Date:07/15/2023

  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 have been having issues with this company for over a year now. I am not able to receive statements, nothing cannot be checked online and this has to be illegal. Why am I not able to receive a statement, nor am I able to pay online. Yet, I am harassed everyday. Emails are ignored and calls are dropped daily. This company is a complete joke and a scam.

  Business Response

  Date: 08/01/2023

  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.