Flagship Credit Acceptance LLC

Thank you for bringing this matter to our attention Flagship Credit Acceptance LLC values our customers, takes every customer concern seriously, and welcomes the opportunity to assist our customers as effectively as possible While privacy concerns prevent us from publicly responding to the customer’s complaint, we have completed a thorough investigation of the customer’s concerns and have responded directly to the customer via USPS Certified Mail sent on October 17, We respectfully request that the customer allow sufficient time for delivery and contact us directly at ###-###-####, ext***

Thank you for bringing this matter to our attention Flagship Credit Acceptance LLC values our customers, takes every customer concern seriously, and welcomes the opportunity to assist our customers as effectively as possible While privacy concerns prevent us from publicly responding to the customer’s complaint, we have completed a thorough investigation of the customer’s concerns and have responded directly to the customer by mail sent on September 20, We respectfully request that the customer contact us directly should there be any questions or concerns

We appreciate your bringing this matter to our attentionAs Flagship Credit Acceptance, LLC (“Flagship”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possibleIn an effort to provide quality service, Flagship has completed a thorough investigation of the customer’s complaint and a written response has been sent directly to the customerFlagship asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response

September 15, Dear [redacted] ***:Flagship Credit Acceptance LLC (“Flagship” or the “Company”) received a consumer complaint you submitted via the Consumer Financial Protection Bureau’s Consumer Response portal on August 18, On September 15, 2014, Flagship also received notice of a complaint you filed with the State of Georgia’s Governor’s Office of Consumer Protection.You indicated in both complaints that on August 7, you called Flagship’s Customer Service department and made a final payment over the phone in the amount of $1,in full satisfaction of your loan As of the time you filed your complaints, your funding account had not yet reflected a deduction in the amount of your final payment to Flagship.Unfortunately, due to a clerical error, your payment was not credited to your Flagship account until August 18, However, Flagship has corrected this issue and re-posted the payment with an effective date of August, 7, Your account is now completely paid off with a zero balance Flagship did not charge your account any late fees or interest after August 7, Your title was sent to your home address on August 28, Because the payment was effective dated August 7, 2014, no negative entries will appear on your credit reports related to this situation Please accept our sincerest apologies for any inconvenience this may have caused and feel free to contact me with any further questions Sincerely,Kelly HEscalated Complaint Specialist

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:There are still so many things wrong with this entire situationFlagship sent me a letter that has left me flabbergastedThe letter states they don't have record at this time of previous account activity prior to March when my account was changed without my knowledge and permissionI have been paying for this car for going on two years and the principle balance has not changedThey continue to give me the run around and the answers they are submitting here are ridiculousTo tell me there is no record of amy payment prior to March of this year when I've been paying on the car for like I said going on two years is absolutely unacceptable, unethical, and at this point potentially illegalHow on earth can a company switch the account from the original contract without a customers approval or acknowledgement and then act like everything prior to the switch doesn't existAt this point I feel as if money has been stolen from me as I made payments every month in 2016, and yet this so called company can't give me that informationif this whole situation wasn't already unethical it's is beyond unethical at this point and absolutely patheticI hope more customers come forward with their issues because I'm not the only oneI will not stop until I am provided with the documentation that states where my payments prior to March went and the business makes things right (if that's even possible with the way they run things)My account has yet to be corrected from the original issues after the vehicle was repossessed and I paid THE ENTIRE balance due which brought my account current, showed a ZERO balance, and ZERO days delinquentI'm not sure where this company gets their business practices from but randomly changing statements, adding fees for no apparent reason and even sending a statement in the mail stating that no payment was due until August, but yet I still show that I'm lateMy principle balance hasn't changed in months and as a matter of fact it's higher than it was after I purchased the vehicle in It is impossible to communicate with them and get a straight answer as to why things are the way they areIt's mind boggling that a finance company can do the things that they have doneI have every bit of documentation from the time I purchased the vehicle with the original contract (and also put a down payment which they "can't locate at this time.") up until this point so they can continue to deny that they are wrong but the proof is in the documentationNot only does my payment due need to be adjusted to show up to date with my regular monthly payment due next month, but they also better get to working on finding where all my money has gone since I purchased the vehicle since my principle has yet to change this entire timeA company cannot just claim that they have no record of payment prior to March of this year and expect a customer to accept thatI'm not sure if I would consider it theft, illegal, fraud, or all of the aboveI want to know where my payments have gone, why my account has yet to be corrected even though I have proof that everything was up to date, and why the principle on the vehicle has yet to changeRegards, [redacted]

May 4, Subject: Complaint # [redacted] To Whom It May Concern: We appreciate your bringing this matter to our attention As Flagship Credit Acceptance, LLC (“Flagship”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possible In an effort to provide quality service, Flagship has completed a thorough investigation of the customer’s complaint and a written response has been sent directly to the customer Flagship asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response Respectfully, Kelly H [redacted] Escalated Complaint Specialist

From: [redacted] ***< [redacted] @ [redacted] .com>Date: Sat, Apr 29, at 1:PMSubject: Re: Complaint # [redacted] .To: Revdex.com If you can update the following complaint [redacted] with this info, it will be most appreciativeThanks.I received a call from a man from Flagship Credit Acceptance on Wednesday, April 26, 2017, at 10:from number ###-###-####The man was not in the least bit helpful and wanted to defend against waiving the fees and continued to ask questions already addressed in the original complaintHe did not properly research my account prior to calling and indicated he would call me back but this is now Saturday, April 29, 2017, and I have not heard back from himIn addition, a portion of my car payment due to Flagship included the cost for an extended warrantyThis warranty ended on April 10, However, Flagship is still charging me the same $a month car payment for May and has failed to adjust the amount

We appreciate your bringing this matter to our attention As Flagship Credit Acceptance, LLC (“Flagship”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possible In an effort to provide quality service, Flagship is in the process of completing a thorough investigation of the customer’s complaint and a written response will be sent directly to the customer Flagship asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response

April 30, 2015> Subject: [redacted] To Whom It May Concern: We appreciate your bringing this matter to our attention As Flagship Credit Acceptance, LLC (“Flagship”) highly values its customers; it takes each complaint very seriously and welcomes the opportunity to assist its customers as effectively as possible In an effort to provide quality service, Flagship has completed a thorough investigation of the customer’s complaint and a written response has been sent directly to the customer Flagship asks that the customer allow sufficient time for delivery and upon receipt should there be any further questions, we ask the customer to contact us directly at the information provided in our written response Respectfully, Dominique H [redacted] Escalated Complaint Specialist

Complaint: [redacted] I am rejecting this response because:It may stop the calks by me sending the cease and desist however when someone calls tgey still are aggressive, disrespecrful, talk over, and come up with same issues as beforeWhen the escalations had talked to me they stated we cannot train all just tge reps you talk to Regards, [redacted] ***

We appreciate you bringing the customer’s additional concerns to our attentionFlagship Credit Acceptance, LLC (“Flagship”) has reviewed the additional information provided in the customer’s rejection to our written response dated July 13, and has sent a response directly to the customer via the United States Postal ServiceFlagship asks that the customer allow sufficient time for delivery

This company has horrible customer service and shady business practicesI've been paying $40-$more on my car payment every month since MarchI made an honest mistake and completely forgot to pay my payment for this month and I'm getting phone calls every single day about it even though I've told multiple people there when the payment will get madeI asked to speak to a Supervisor after someone was extremely rude and demanding I pay TODAY or else they're going to sell my car at an auctionFirst time I've ever been late...and only days...and they're threatening to take my carDO NOT USE THIS COMPANY FOR FINANCING

We appreciate you bringing this matter to our attention As Flagship Credit Acceptance LLC 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 will be sent directly to the customer, May 17, and we ask that the customer please allow sufficient time for delivery We ask the customer to contact us directly should there be any additional questions or concerns

We appreciate your bringing the customer’s additional concerns to our attentionAs Flagship Credit Acceptance LLC (“Flagship”) highly values its customers; it takes each complaint and response very seriously and welcomes the opportunity to assist its customers as effectively as possibleWhile Flagship cannot respond publicly to the customer’s allegations out of respect for the customer’s privacy, Flagship does have policies and procedures in place to ensure payments and charges are accurately applied to the customer’s accountIn an effort to provide quality service, Flagship will send an additional written response to the customer that addresses his remaining concernsFlagship asks that the customer allow sufficient time for delivery and upon receipt, should there be any further questions, we ask that the customer contact us directly at the information provided in our response

Complaint: [redacted] I am rejecting this response because: I have yet to receive my car title information nor have they discussed to reimburse me for the daily public transportation fee that I have been paying since 5/1/ Regards, [redacted]

Customer Information: [redacted] **Lanham , MD ***Daytime Phone: ###-###-####E-mail: [redacted] @***.comThe details of this matter are as follows:Complaint Involves:Contract Disputes Customer’s Statement of the Problem:I did not authorize anyone employed by your company to make an inquiry and view my credit reportYou have violated the Fair Credit Reporting Act Section 1681b(c)You are not legally entitled to make the inquiryThis is a serious breach of my privacy rightsComplaint Product/Service: unauthorized inquirePurchase Date: 4/22/2016Problem Occurred: 4/22/2016Model: Account Number: Order Number: Talked to Company: 1/1/2017Name of Salesperson: Purchase Price: $0.00Disputed Amount: $Desired Outcome/Settlement: I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediatelyI also request that you remove my personal information from your recordsDesired Settlement: Other (requires explanation)

We appreciate you bringing this matter to our attention As Flagship Credit Acceptance LLC 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 been in direct contact with the customer and have addressed and resolved the concern

Thank you for bringing this matter to our attention Flagship Credit Acceptance LLC values our customers, takes every customer concern seriously, and welcomes the opportunity to assist our customers as effectively as possible While privacy concerns prevent us from publicly responding to the customer’s complaint, we have completed a thorough investigation of the customer’s concerns and have contacted the customer directly by phone on October to address his concernsWe respectfully request that the customer contact us directly should there be any additional questions or concerns

As Flagship Credit Acceptance LLC 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, A written response has been sent directly to the customer today April 4, 2017, and we ask that the customer please allow sufficient time for delivery We ask the customer to contact us directly should there be any additional questions or concerns

We appreciate your bringing this additional request to our attentionFlagship Credit Acceptance, LLC (“Flagship”) takes each request very seriouslyIn an effort to provide quality service, a supplemental written response will be sent directly to the complainantFlagship asks that the complainant allow sufficient time for delivery and upon receipt should there be any further questions, we ask the complainant to contact us directly at the information provided in our response