I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX 
