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:12/05/2023

  Type:Product 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.

  A refund check was mailed out to me ***********************, It went to my old address (*******************, Apt, Bronx NY ******) and it was returned. I keep updating my account with the new address, I don't know what games Flagship is being played here. I have been updating my new address (*****************************, Mount Vernon, NY ********) over and over, and even so, they withheld the Check. The Check was never made out to Flagship Credit. The check is in my name *********************** and I never authorized Flagship to apply that to my account also, I never received a copy of the check or any amount different in my account or any money being applied to my account. I spoke to a Supervisor over 3 weeks ago and she told me she would be mailing the check out to my new address and I still never received it. Tonight, 12-5-2023 I called Flagship Credit and they are giving me the run around about the check. My account is up to date, I told the representative, ********, I will be reporting Flagship Credit to the Better Business Bureau, and the Governor of NY for dishonesty and he hung the phone up on me. Please give me a call at ************ to discuss this matter. Thank you ***********************

  Customer Answer

  Date: 12/07/2023

  I found out that the Insurance company Issue me a GAP Refund check in my name ***********************. My account is current and up-to-date and as I was told the check should've been mailed to me. They lied that they didn't have my new address and every month since April 2023, I have been updating my new address with them. On the 6th of each month; I made my payment and update my address. I called spoke to several representative and even update the new address. Before I submit the claim with BBB, I called Flagship Credit on 12/05/2023, the representative was very disrespectful and told me I shouldn't be asking about the check, I asked to speak to a supervisor and he hang the phone up on me. I called back and spoke with a supervisor (****) she told me upper management will me within 24 hours and they still didn't call.

  Sincerely.

  ***********************

  Business Response

  Date: 12/21/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 12/23/2023

  The check was mailed out to *********************************************. I received a call from a supervisor in November 2023 about the check. I told her since April 2023 I have changed my address and even so I updated my address each month when making my monthly payment.

  I have to make several calls and report Flagship Credit to the BBB, before the check was mailed out to ********************************* This was after I reached out to BBB. Not before, the disrespectful and nasty customer service representative, who told me they will not give me the check, but will applied it to my account. I asked to speak to his supervisor and he hanged up on me and I had to call back.

  I finally received the check on December 9th 2023. ( All because I make the report to the BBB).

  Thank you

  ***********************

  Customer Answer

  Date: 01/02/2024

  I did responded that the matter has been resolved and Flagship Credit mail the check out to me. 

  I received the check on December 9th, 2023.

  Thanks for your assistance.

  ***********************

• Initial Complaint

  Date:12/04/2023

  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.

  OKI can never get in touch with these people. There is $1394 in at the dealership. They solely call me to squash the deal. They're already paid out 23000  plus on the loan and then with what the remainder of what the dealership has that they aren't pressing the dealership like they pressed me for payments. I understand I sign a contract. Pay blah blah blah but in the end I have paid way up. It's saying I'm passed due. I'm not passed due anything I'm way ahead. They haven't reported to the credit credit bureaus. So on my credit. It says I still owe 26000 plus dollars on a car that I only owe. In reality, $500 say keep adding payments and letting it build when they should a halt it until everything was resolved. Because they already got 23900 some my dollars. I just tried to call and somebody was supposed to talk to. Whoever in the company because there's something going on when I count. And they shouldn't have been calling for a payment or something of that sort that they had to payment sit in there. Or something of the sort. So I would like to have this resolved. Because I can't do anything with a $26000 car. I don't oh my credit. My credit score is still down but the loan is way down. I appreciate assistance in resolving this matter in a timely manner. Thank you.

  Business Response

  Date: 12/21/2023

  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:12/02/2023

  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.

  I make my payment of 536.40 monthly they have failed to report payments since April of 2023 making me look like I owe more than I do. I have reached out several times. I want this fixed it's bad enough the charge nearly 30% for a car loan, I do my part by paying it they should do theirs by reporting I paid it.

  Business Response

  Date: 12/21/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/30/2023

  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.

  Paid off my car in June. Contacted to start gap refund process. Should’ve gotten my refund in October, never came. They said November, never came. Once again, they said should be here by December 1st. Still not here or showing in the mail for tomorrow, the first. They have my check, it’s been ready to disperse since October. They refuse to release it apparently. When I call I’m told to wait 30 more days and they’re sorry. Last time they said there was an issue on their end and they were sorry but yet again 30 more days and still no check for MY MONEY.

  Business Response

  Date: 12/21/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/27/2023

  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 paid off my car loan back in August of this year and they have not updated my 3 credit reporting agency. I have tried contacting them and I have not been able to speak to a live agent unless a have my account number. I need help to clear this up if not I cant buy my new home with the loan showing that I still owe the full balance.

  Business Response

  Date: 12/12/2023

  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:11/27/2023

  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 noticed I had late payments from FLAGSHIP CREDIT ACCEPT on my credit report. During these months I did not receive anything stating I was late. As you can see,majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

  Business Response

  Date: 12/12/2023

  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:11/26/2023

  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 have made my June, July, August, September, October, November 2023 payments. However, this information hasnt been updated on my credit report. Ive disputed this with the credit bureau and they stated the company that reported the information has certified to Experian that the information is accurate. My current balance as of 11/26/23 is $2,902.68. Ever since Flagship Credit updated their website, this they havent been reporting accurate information on my credit. I call Flagship, they say they are and that its the credit bureaus fault its not being updated. At this point theyre pointing fingers at each other on who can fix this issue. I dont know what to do anymore.

  Business Response

  Date: 12/12/2023

  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.
  

  
  

  Customer Answer

  Date: 12/16/2023

  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. All I've ever wanted was for the payments made to reflect on my credit report and balance updated. Nothing more, nothing less. My issue has been resolved.
  
  Regards,
  
  ********* ** *** ******
  
  

• Initial Complaint

  Date:11/22/2023

  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 with flagship credit has been identified as a repossession, even though the car was repossessed in May 2023 and resold in July 2023 it is still being reported to the credit bureau as late payment. When the vehicle was repossessed, it left the agreement in default of payment. I have the right to a accurate credit file and discrepancies such as this one is unacceptable. I demand that the account be removed from credit immediately.

  Business Response

  Date: 12/07/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/22/2023

  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.

  In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy (15 USC 1681 section 604a section 2) it also states a consumer reporting agency can not furnish on an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

  Business Response

  Date: 12/07/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

• Initial Complaint

  Date:11/21/2023

  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 car loan in June and still have not received my lien release. They also havent updated my credit report. I have repeatedly tried to call them and I cant get anyone on the phone.

  Business Response

  Date: 12/08/2023

  We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
  

  A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.

  Customer Answer

  Date: 12/09/2023

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