Consumers claim that Flagship Credit Acceptance charged fees that were allegedly not disclosed at the time of the loan agreement and were not authorized in the Retail Installment Sales Contract (RISC). Consumers may have been misled into paying these fees without proper disclosure, violating the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA). In addition, Flagship may have violated state laws by imposing unauthorized charges without clear authorization.
If you meet the following criteria, you may be eligible to participate in the arbitration process and may be eligible to pursue a legal claim:
- Age Requirement: You are 18 years or older.
- Flagship Loan Holder: You have a current or past auto loan with Flagship Credit Acceptance.
- Online Payments: You have made payments through Flagship’s online payment portal within the past year.
- Fee Charges: You were charged payment processing or convenience fees that were not clearly disclosed in your Retail Installment Sales Contract (RISC).
If you believe you have been impacted here’s what you can do:
- Confirm Loan Information: Provide your loan agreement and any email or documents associated with your Flagship online account.
- Upload Documentation: Submit proof of your payment through Flagship’s online payment portal, including any email confirmation, screenshots, or receipts.
- Complete the Form: If you qualify, complete the form and submit your documentation to determine if you may pursue compensation.