We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
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

  • 494 total complaints in the last 3 years.
  • 134 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:06/12/2025

    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 am filing a complaint for my due date to be changed back back to the original due date on my contract, the 20th of every month. I previously changed it to the 5th of every month and was not made aware that I could NEVER change it back otherwise I would not have changed it. The late fees are racking up and I would like to take care of those and get my due date back to the original date so I can get my account current.

    Business Response

    Date: 06/30/2025

    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, ********************** 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:06/12/2025

    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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

    Business Response

    Date: 07/01/2025

    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, ********************** 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:06/09/2025

    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 have email and made several attempts to get someone at FLAGSHIP Credit Acceptance customer services department. The social security number does not work because the account has been paid off and closed. I still need the discharge of lien. I have tried reaching out on the deader ship which they have transfer me back to customer services where NO ones picks up.

    Business Response

    Date: 06/24/2025

    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, ********************** 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:06/06/2025

    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.
    Mishandled Voluntary Repossession Business Name: Flagship Credit Acceptance Account Type: Auto Loan Vehicle Return Requested: Voluntary Repossession (November 2024)Vehicle Retrieved: End of May 2025 In November 2024, I became unemployed and immediately contacted Flagship Credit Acceptance to report my financial hardship. I informed the company that I could no longer afford my car payments and requested a voluntary repossession. I also inquired about any hardship programs or deferral options, but made it clear I was not in a position to refinance.I was told that someone would follow up, but no one ever did. Over the next several months, I repeatedly called to ask when the vehicle would be picked up. Each time, I was told the process wasnt that simple and that internal steps were required but no progress was made. The only consistent communication I received was to ask whether I could make a payment.The vehicle was not retrieved until the end of May 2025 more than six months after my initial voluntary return request. By then, my account had been reported as delinquent and the repossession was classified as involuntary. This has severely impacted my credit, despite my efforts to resolve the issue proactively and in good faith.When I resumed employment, I again requested assistance. I was told I needed to make two full payments before I could be considered for a hardship program something that was not financially feasible given my reduced income. No alternative options were provided.Impact:My credit report now reflects an involuntary repossession and multiple missed payments, despite an early surrender request while still current.I am unable to qualify for a new vehicle loan.I currently have no access to transportation and have relied on costly rideshare services just to commute to work.The mishandling of my voluntary return has created long-term financial strain.

    Business Response

    Date: 06/20/2025

    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, ********************** 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:06/03/2025

    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.
    A fraudulent auto loan was opened under my name with Flagship Credit Acceptance without my knowledge, consent, or authorization. I did not apply for any loan,never signed any paperwork, and never took possession of a vehicle. i only discovered the account while reviewing my credit report.I immediately contacted flagship & the 3 credit bureaus to dispute the loan and submit a formal fraud affidavit *** written documentation proving I was not the applicant. Despite this, Flagship has refused to remove the fraudulent account or provide any form of verification or documentation proving my involvement. They have also failed to respond in a timely or compliant manner under the ****. This account has seriously damaged my credit and caused undue stress and harship. I am demanding that Flagship Credit Acceptance immediately delete this account form all ********************** bureaus and confirm the closure in writing. If not resolved promptly, I will continue to escalate through federal agencies and legal action.

    Business Response

    Date: 06/17/2025

    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, ********************** 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:05/30/2025

    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.
    To Whom It May Concern,I am writing in reference to a recent copy of my credit report that I obtained, which includes several entries that I believe to be inaccurate and possibly unverified. I respectfully request a full investigation into the accounts listed below, as I have reason to believe they were reported in error or without proper documentation.Creditor Name: [FLAGSHIP CRD]Account Number: [***************** ]Balance Reported: $[$19,376.00/$15,433.00]Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am entitled to receive all information and documentation you have on file that was used to verify the validity of the above account. I am not requesting a generic statement of verificationI am requesting actual copies of the original documents you used to confirm the accuracy of this debt.If no such documentation exists, or if you cannot provide physical proof of this accounts legitimacy, then I am requesting that this item be removed from my credit file immediately, as required under Section 611(a)(5)(A)(i) of the *****The continued reporting of inaccurate or unverifiable information is not only unfair, but it is causing measurable harm to my credit reputation and overall financial well-being. I take these matters seriously and expect your full cooperation in addressing this issue thoroughly and promptly.

    Business Response

    Date: 06/13/2025

    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, ********************** 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:05/29/2025

    Type:Delivery 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.
    Date of Issue is 5/29/2025. I paid a total of $14836.94. This vehicle was paid off 4/3/2025 with a quoted balance of ****** and Flagship is refusing to provide me with a letter of payoff, they are holding my title hostage, and they have failed to report it to credit companies as a paid off loan. The nature of the dispute is, they need to provide me my title or I am reversing the amount that I used to payoff the vehicle. The business has not tried to resolve the issue and this issue has been escalated several times. I have a recorded call stating that they made the mistake and that is why there is a lien on my title due to there mistake.

    Business Response

    Date: 06/13/2025

    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, ********************** 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:05/22/2025

    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 have late payments from FLAGSHIP CREDIT ACCEPT on my credit report. I have been on time for 99% of my payments. The months that report a late payment was due to an ACH payment issue with my bank and I was never notified about it. I would like to ask if upper management could submit a request to the credit reporting agencies to remove the late payments.

    Business Response

    Date: 06/10/2025

    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, ********************** 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:05/11/2025

    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.
    Company is overly aggressive with collecting and unwilling to make payment arrangements. They will only do 1 PER YEAR. With the economy that we're in, that's ridiculous. I have made ample please for some type of RELIEF and the company has repeatedly declined citing 1 per year.However the company calls CONSTANTLY every day MULTIPLE times a day all numbers on file. Even after speaking to the account holder and being explained the hardship. We have expressed several times and have showed a willingness to pay however flagship refuses to grant relief. Flagship has kicked me out of the online account and will not allow me to pay online, making me call in and speak to their aggressive, rude, unprofessional, **** who constantly bully, barrage, speak condescendingly to customers, and refuse to help. Why would you not allow a customer to pay online? When speaking to their ****, it's always a very unpleasant call and causes stress and heart palpitations because they are so rude.We have been making payments every month but because we can not pay the past due ALL AT ONCE, they keep us in REPO STATUS which makes it hard to go to work and do business with Flagship.

    Business Response

    Date: 05/22/2025

    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, ********************** 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:05/10/2025

    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 had a vehicle loan with flagship credit. The truck was stolen and then considered a total loss. My insurance paid and so did my gap insurance. Per the gap insurance company flagship gave them the wrong payoff amount per flagship they made no errors. This ended up leaving a small balance on the loan. I did not know about the balance and flagship gave me another auto loan. When I found out about the balance I called flagship they told me this account should have been sent to the insurance deficiencies department. However, it remained open was accruing interest and I had no idea. When I called to resolve it they took a payment of $2,500 and said they would consider it paid. However, they reported it to my credit as a settlement for less than the full amount on an auto loan. This looks like a repossession almost. In my opinion, as a courtesy, they should have waived the interest that the loan sat there and accrued for the past year and a half and then should have made me pay that remaining balance to report this as paid in full upon seeing how they reported it on my credit. I called flagship and offered to pay the remaining balance so I could get the settlement off of my credit. They refused to take payment and refuse to change how it is reported. As the consumer, I am the one getting hurt. When this is an insurance dispute, I'm willing to pay the difference to have the credit reporting changed or another alternative that flagship could do to take care of their prior customer is as a courtesy waive that interest at accrued then report the account as paid in full. My credit score was over 700 and is dropped to 618 with a settlement being reported on my credit.

    Customer Answer

    Date: 05/28/2025

    Please close the complaint it has been resolved.

    Business Response

    Date: 05/29/2025

    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, ********************** 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.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.