Financial Services
Flagship Credit Acceptance LLCThis business is NOT BBB Accredited.
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Complaint Details
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Initial Complaint
10/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Paid my vehicle off for amount that I was given for a 10day payoff and a balance still remains on my account. Was told by a supervisor that it would be removed and as of today the balance is getting larger. Have called serval times and email and problem still hasnt been resolved. I want a zero balance, my title and paid in full as agreed to be reported to credit bureaus.Business response
11/06/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.Customer response
11/07/2023
[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
10/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently discovered an unauthorized inquiry on my credit report dated [Jan. 05, 2023]. I did not give consent for this inquiry and have no prior dealings with the business in question. I have contacted the creditor regarding this matter, but there has been no response from their side. Please investigate and remove it from my credit report promptly.Business response
11/05/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Initial Complaint
10/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently discovered two unauthorized inquiries on my credit report dated [Mar. 02, 2022 & Jan. 03, 2022]. I did not give consent for this inquiries and have no prior dealings with the business in question. I have contacted the creditor regarding this matter, but there has been no response from their side. Please investigate and remove it from my credit report promptly.Business response
11/05/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Initial Complaint
10/20/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
I applied for a GAP refund on July 13, 2023 after refinancing my car, it is now October 20, 2023 and they have not refunded my money per my request. I can not get any answers, if you don't have a account number current with them you cannot even get through there phone system to speak to customer service!.Business response
11/06/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Initial Complaint
10/19/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have disputed this claim multiple times on all bureaus, and you continue to be dishonest with your reporting. This vehicle was paid almost $30k in total, to further insult to injury, I have found that with my lump sum payment in June 2023, that you have failed to report to the bureaus honestly, at that point, I was told that I would be hearing from someone on the paperwork, as I worked out an agreement with your company, due to blown head gasket, that the vehicle was paid in full, instead, you keep reporting that the vehicle is a charge off and I owe you $27k, not too mention, you have failed to update the payment and balance. This is illegal reporting due to Federal Laws, I am asking that you immediately correct my credit reports, and release this debt as was agreed upon when I made the payment and sent the ********* to pay this off. The federal government states that this is illegal and you are harrassing me with trying to damage my reputation and also trying to double collect. I will look for this to be settled as soon as possible.Business response
11/06/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Initial Complaint
10/18/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company fraudulently obtained my credit information to run credit application for something I did not give permission to or authorization to do so. Ran a credit check on my credit report and refuse to remove the inquiry. I had never contacted this company before, nor did I provide them with my signature or permission to do a credit check. I never applied for a financing for a car or car refinancing.Business response
11/05/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Initial Complaint
10/18/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am aware that I am severely behind on my payments, and I apologize for any inconvenience this may have caused. I have always prioritized my financial commitments, but I am currently facing some unforeseen challenges.I am pleased to inform you that I have secured employment as a customer service representative at Sedgwick, which begins on October 24, 2023. However, I am currently in between jobs, and this transitional period has put me in a difficult financial situation. In addition to my upcoming job, I have interviews scheduled with ****** *** Courier on October 19, 2023, and October 23, 2023, for two separate locations. I am actively working towards improving my financial stability and ensuring that I can meet my obligations. The reason for my financial strain is the increasing cost of living. My rent has gone from $1459 to $1759 in just one year for the same apartment, and other bills, such as utilities, car maintenance, car insurance, phone, and daily necessities, have remained constant. Unfortunately, the chance for higher wages has been elusive, making it increasingly challenging to keep up with these rising costs. I want to emphasize that I did not intentionally fall behind on my car loan payments. I understand that timely payments are crucial, and I have always made them a priority. However, the current circumstances have made it incredibly difficult for me to meet all my financial commitments. I kindly request an extension for my car loan payment to help me bridge this gap until my new job becomes active. I am committed to catching up on my payments as soon as my financial situation improves, and I am grateful for your understanding and assistance during this challenging time. Please let me know if there are any forms or documentation you require from me to process this extension request. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your understanding and support. Sincerely,********************Business response
11/01/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Customer response
11/18/2023
My apologies, it was taken care of.
Thank You
Initial Complaint
10/02/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On September 20,2023 @ approximately 9:55pm EST I received a call from Flagship credit in regards to my account. I do know that this is in direct violation of my FDCPA. I tried to reach out to the company but they are giving me the runaround in regards to their direct violation and the $2500 remediation amount for the violation.Business response
10/12/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.Initial Complaint
09/27/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had did a third party payoff on my car in June 28, 2023. The pay off was less then what the check was written for. (112.96) over and then in July 3, 2023 they went and did and ACH on my bank account for the amount of $267.00 which is the monthly car payment. But I had no payment due because the car was paid off. The account number is *****************Business response
10/11/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.Initial Complaint
09/26/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
To whom it may concern,In April of 2022 I purchased a very used 2014 **** ******** from *****************. When purchased, it was mentioned that it had been in an accident without any description or Carfax report. We assumed it had been properly fixed and I should have asked for more details. Unfortunately, from day one, we have had issues. In the list of repairs, most recently is the rear end almost completely depleted.As a direct result of the previous rear end damage, there was a repair bill of roughly $5000. Luckily, I purchased a separate warranty before cancelling the one provided by you, and they covered 90% of $5000. I am left to pay $654 out of pocket. ********************* ***** **** *** is currently working on the repairs. I am paying $654 for previous damage that was not addressed properly from your dealership. Not only the remaining $654 I am responsible for out of pocket, but I have also been without this vehicle since September 9th (almost 3 weeks) while trying to put closing costs away to purchase our home. It was definitely a hurdle. I am not impressed with the condition of this vehicle and for the price I have been paying, it should have been in much better condition. That being said, I will be much more aware next time, so I don't have a similar problem in the future. The purpose of this letter was to make you aware of the situation and give you the chance to give any response or explanation you might have. This vehicle should not have been available to finance in that condition. I look forward to hearing from you. Sincerely, **************************Business response
10/10/2023
We appreciate you bringing this matter to our attention. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and welcomes the opportunity to assist its customers as effectively as possible. While Flagship cannot respond publicly to the customer's allegations out of respect for the customer's privacy, Flagship has completed a thorough investigation of the customer's concerns.
A written response, a copy of which is attached, may be provided to the customer. We ask the customer to contact us directly should there be any additional questions or concerns.
Customer response
10/16/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: my payment is NOT currently over due and the balance is incorrect. I am also requesting a copy of the carfax report with detailed damage. We live 2 hours away from said dealership and would not have purchased if accident report was fully explained. I've looked through all my paperwork and a carfax detailed report is not included. I understand you are not responsible for amount of vehicle they charge but you should be responsible for the condition in which you approved this vehicle. Having a non working vehicle for over 5 months is not acceptable
Regards,
*************************Business response
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.
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Customer Complaints Summary
505 total complaints in the last 3 years.
213 complaints closed in the last 12 months.