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Do you think Flagship Credit Acceptance LLC is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Flagship Credit Acceptance LLC violated the law, you may be entitled to money damages and Flagship Credit Acceptance LLC will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Flagship Credit Acceptance LLC?

Flagship Credit Acceptance LLC opened for business in 2010. The company runs as a direct and indirect lending institution for automobile needs. Flagship Credit Acceptance LLC is specially tailored for consumers with bad and limited credit histories. 

Flagship Credit Acceptance LLC works in partnership with dealers. The financial institution offers dealers sales, credit, and funding services. 

Flagship Credit Acceptance LLC Address, Phone Number, and Contact Information

Branch Location
3 Christy Dr STE 201
Chadds Ford, PA 19317 

+1 877-201-1331
Monday – Friday: 8am-8pm
Saturday & Sunday: Closed

Incredulous Interests

A major concern for Flagship Credit Acceptance LLC’s consumers is their unbelievable interests. Consumers lamented having paid off their vehicles for years with principals remaining the same as when they’ve started. Additionally, consumers also reported receiving harassing calls from Flagship Credit Acceptance LLC trying to collect payments. 

Fraudulent Credit Reporting 

On top of their exorbitant rates, consumers also lamented Flagship Credit Acceptance LLC’s credit reporting. Some consumers who’ve opted to block the charges LA Fitness made despite requests for membership cancellation had apparently pushed the company to report to credit bureaus. This has resulted in delinquencies in the consumers’ credit reports even though the fault was on Flagship Credit Acceptance LLC’s end. 

Delayed Title Issuance

Another issue for many consumers is with the company’s title issuance. Complaints detailed consumers paying off their accounts months ago but with no updates regarding their vehicles’ titles. This has been a nuisance especially for those who paid off their accounts in full to finally settle and obtain proof of ownership. 

Poor Customer Service

According to complaints, Flagship Credit Acceptance LLC had been providing disappointing customer service. Consumers narrated difficulties reaching their lines and being ending phone calls with no resolution to their concerns. Others reported employees lying about information about the consumers’ titles.

Unfortunately, these complaints are just the beginning for Flagship Credit Acceptance LLC. The company’s customers are left wondering what options they have regarding their consumer rights.

We Fix Complaints When Customer Service Won’t

Has Flagship Credit Acceptance LLC used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Flagship Credit Acceptance LLC to listen?

A lot of Flagship Credit Acceptance LLC Corporation customers aren’t happy with their service and the Better Business Bureau lists 381 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Mike Agruss Law we help customers who have been mistreated by big companies–much like Flagship Credit Acceptance LLC–and we turn your complaints into resolutions!

We’ll not only file your legal demands with Flagship Credit Acceptance LLC, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Flagship Credit Acceptance LLC contract, which is typically arbitration. 

Mike Agruss Law gets results–including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches. 

Have you tried calling Flagship Credit Acceptance LLC to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Flagship Credit Acceptance LLC have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Flagship Credit Acceptance LLC will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Flagship Credit Acceptance LLC is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Flagship Credit Acceptance LLC is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Flagship Credit Acceptance LLC doesn’t meet those demands and you have a real complaint, Mike Agruss Law can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Flagship Credit Acceptance LLC don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Flagship Credit Acceptance LLC is to formally raise your complaint. The lawyers at Mike Agruss Law can help you to do so. We will send a letter of demands to the corporate offices of Flagship Credit Acceptance LLC, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Flagship Credit Acceptance LLC. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Flagship Credit Acceptance LLC doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Mike Agruss Law will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Mike Agruss Law understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Flagship Credit Acceptance LLC, you might try filing a complaint with the BBB or the customer service team with Flagship Credit Acceptance LLC. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Mike Agruss Law can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Flagship Credit Acceptance LLC?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put People, First.

Share Your Complaints Below Against Flagship Credit Acceptance LLC

We encourage you to post your complaints about Flagship Credit Acceptance LLC. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

4 weeks ago
I have had my auto loan with Flagship since 2020 & lost my job in 2021. I have worked with my by moving my some of my payments to the end of my contract, but I have tried to get them to move my monthly payment to the middle of the month instead of the 1st of the month & they just will not do it. I have even tried to see if I could get the payment reduced & they declined that. They keep telling me that I will have to get the payment caught up, but that is impossible with my rent being due at the beginning of the month, so I ma having to choose between my rent or my car payment. It\'s seems like they are more interested in collecting interest instead of helping me to get the car paid off. I am to the point where I just want them to come & get the car, but I can\'t afford to have a repossession & need a car to get to work. I just can\'t seem to get the car payment caught up & they are stressing me out with the number of calls
2 months ago
Under CA law, they call only call 3 times per day, they are calling non stop. They also granted me extensions on my load and failed to tell me it would all be due in one lump sum on the last payment. I have been making monthly payment, and they are placing 30 day late marks on my credit report because it was not paid in full. They then advised me to offer a settlement on the account so I could be done and I offered 66% settlement and they denied it saying it was too low. That was their suggestion
3 months ago
Incredulous Interests, Harrassing Calls