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Business Profile

Financial Services

Flagship Credit Acceptance LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

Customer Complaints Summary

  • 515 total complaints in the last 3 years.
  • 186 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/26/2023

    Type:Billing Issues
    Status:
    Resolved
    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:11/21/2023

    Type:Service or Repair Issues
    Status:
    Resolved
    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,

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

  • Initial Complaint

    Date:11/16/2023

    Type:Billing Issues
    Status:
    Resolved
    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 financed the purchase of a vehicle in 2017. we have since satisfied this loan as of April of this year. i have a letter from them saying the lean was released. Unfortunately in the state of Kentucky the county clerk’s office cannot accept this letter. A Title Loan statement must be sent from the lender, Flagship before the lean can be released. I’ve sent the four different emails and made three different phone calls to them. Apparently they have jobbed out this service to an outside vendor who has no interest in satisfying this request. Needless to say it has cost me the sale of my car and i am forced to advertise again for the sale of it. It has been 7 days since the first request. I just need the lean released so that i can sell my car.

    Business Response

    Date: 11/30/2023

    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,

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

  • Initial Complaint

    Date:11/09/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    Flagship credit acceptance is refusing to update my payoff account regarding my balance being update , my account has not been updated since May of 2023 and still shows a balance of 4376.00 but my current balance is 3083.00 . I have asked this company repeatedly . all I get is foreign speaking people talking mumbo jumbo , please help me. regarding white 2015 **** *** ****** Respectfully ***************************

    Business Response

    Date: 11/28/2023

    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:11/01/2023

    Type:Billing Issues
    Status:
    Answered
    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 a vehicle and this company was the financing company. Due to unforseen issues I needed to defer payments to the end of the term, I believe it was four payments. At the end of my contract date, I was advised that I had four more months of payments left, which I paid. Once completed I was then advised that they were charging additional interest on those payments in the amount of approximately $5000 which I disputed. I was advised that I had no recourse but to pay this amount or my credit would be ruined. Eventually I ended up settling on an amount of over $3000. Since then they are still reporting me to the credit bureaus as late and still have not received my title after having updated my address. So after over 6 years of payments with an extremely high interest rate plus additional interest at the end of my contract. I still have not received the title or anything else showing that my loan is clear. Very bad business and poor business practices!!!

    Business Response

    Date: 11/15/2023

    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:11/01/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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 paid off our black 2011 **** ******** and flagship is still holding a lien on it and we have been trying for 30 days to resolve the problem

    Business Response

    Date: 11/15/2023

    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:10/26/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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 is threatening to take my car due to nonpayment. I have the documentation from my bank because I had it set up to be paid so that I would not be late. For some reason now, they can’t find my payments. I have sent the required documents showing that they are receiving my payments, the bank that stamped the back of the checks. I get a different answer every time I call; they are extremely rude, will not try to figure this out. My bank has told me that I have provided everything possible to prove payments. Now they are wanting my complete running bank statement which I feel is non of their business. I am at my Witt’s end. I will hate to pay my attorney to get this straight, but threatening to pick up my car I don’t know what else to do.

    Customer Answer

    Date: 11/07/2023

    I have received another call from this company and my payments that they cant find. They finally found my August payment. They now cant find my September and October payments. I have sent them proof of those payments. I was hung up on, and when I called back, they were so rude that I hung up and emailed the supervisor. I am attaching the email that I sent to add to the other documents that I have sent you. 

    Business Response

    Date: 11/10/2023

    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.

    Business Response

    Date: 12/04/2023

    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: 12/04/2023

    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: 12/15/2023

    I didnt see a request for more information. I have sent documents showing that my payments were made: copies of where they had posted. What else do you need? I have emailed the supervisor, collection department and customer service trying to find out why they still havent posted my August payment. It has been stamped. I was advised not to send a running bank statement. I sent them proof that someone in company is getting my payments but not being posted. I had my account put on a bank draft so they would not be late: this company has a problem with posting payments. I still havent gotten anything resolved due to no one responding. Is there anything else I can do? 

  • Initial Complaint

    Date:10/26/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    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 never was late on any of my payments as a matter fact I'm always early, I traded my 2019 ******* ****** on June 5, 2023 my payment wasn't due until the 16th of June so after the dealership sold my vehicle on July 18th I still waiting on reimbursement for that car payment but instead getting a lot of Bull

    Business Response

    Date: 11/10/2023

    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:10/23/2023

    Type:Billing Issues
    Status:
    Resolved
    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 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

    Date: 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 Answer

    Date: 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

    Date:10/23/2023

    Type:Billing Issues
    Status:
    Answered
    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 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

    Date: 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.

Flagship Credit Acceptance LLC is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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