After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old. 
