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Frequently Asked Questions
If you recently applied for dealer financing or refinanced your vehicle, your application was forwarded to Flagship Credit Acceptance so we could evaluate whether, and on what terms, we would purchase a finance agreement from the dealer or refinance your current contract. Flagship uses credit, income, and vehicle information in making our determination.
Every month we report transactional information on your account to consumer reporting agencies. That information includes, but is not limited to, personally identifying information, contract date, terms, payment amount, and the status of the account for that month.
We report monthly, in the first week following the end of the month. Flagship does not control the time each consumer reporting agency takes to update its records, but typically that occurs within 5 days of receiving our report.
Flagship reports monthly in the first week following the end of the month. We report the status of your loan as the last night of the month minus the number of days from your latest statement due date. For example:
- If your loan is due on July 5, 2020, and the scheduled payment amount has not been made by July 31, 2020, the loan will be marked paid as agreed because the loan is less than 30 days past due.
- If your loan is due on June 25, 2020, and the scheduled payment amount has not been made by July 31, 2020, the loan will be reported as 30 days past due.
Flagship reports monthly in the first week following the end of the month. Flagship reports the loan as a repossession, which is considered negative. There are two kinds of repossessions. One is voluntary, when the customer requests to turn in the vehicle. The other is when Flagship determines and advises the customer with notice that the vehicle will be repossessed.
Flagship reports monthly during the first week following the end of the month. Flagship reports the loan as repossession until it is redeemed. Once redeemed, the loan will be reported at the end of the month with the account status calculated for that month.
Flagship reports monthly in the first week following the end of the month. Flagship does not control the time each consumer reporting agency takes to update its records, but typically that occurs within 5 days of receiving our report. A loan that is paid in full will reflect a zero balance and a paid or closed date. While not typically stated on a report, it is common that a zero balance on an installment loan is noted as paid.
Flagship may have agreed to a settlement with you as our customer to pay less than the final total balance due. We report “paid in full for less than full balance” to the credit bureaus to indicate our settlement and that the loan has been paid in full.
Yes, we are still reporting. Depending on the date of the report your customer is viewing, it could be the last month we’ve reported. For example, in early July, the report may reflect the last update as of June. If your customer disagrees with what is being reported, they can send an email explaining their concern to firstname.lastname@example.org. They will receive a letter in response from the Flagship Credit Acceptance team. Your customer’s email should include their loan number and they may attach any relevant supporting information.
Please call us at 1-800-900-5150 and have the following information available:
- Insurance agency name
- Insurance agent name/contact name
- Insurance agent phone number, and
- Date of loss
Borrowers remain responsible for making monthly payments until the loan is paid in full. If a total loss has occurred, please call us at 1-800-900-5150 to provide your complete insurance information. We can then begin working toward a final settlement with your insurance company. You will need to provide us with your insurance policy number, date of loss, settlement amount, adjustor name, and contact information. You may also have your insurance adjustor contact us on your behalf. After your insurance pays the settlement, you will be responsible for any remaining balance. If you have GAP or other debt protection coverage, we’ll provide the information needed to file the necessary claims.
Please call us at 1-800-900-5150.
Because every state has its own title procedure, please refer to your local Department of Motor Vehicles’ website. To help explain some of the methods your state may use to release a lien, we’ve outlined a few definitions for reference:
- Paper Title: Paper titles are physical titles. Shortly after purchasing your vehicle, that title may have been mailed to you or to Flagship Credit Acceptance, depending on your state’s procedures.
- Lien Card/Lien Release: If you live in a state where the title was mailed to you directly at the time of purchase, Flagship Credit Acceptance will release the lien via a Lien Card or Lien Release letter at the time of payoff. Once you receive that card/letter, present it and the title to your local DMV office to remove our lien from the title.
- Electronic Record: Some states do not print a title until after the account is paid in full. Flagship Credit Acceptance will send a lien release as directed by you, the customer. Once you receive the lien release, present it to your local DMV office to produce the new title.
- Electronic Title: Some states no longer use a paper title process. Instead, the lien is filed electronically, and Flagship Credit Acceptance is notified of the lien electronically. Upon payoff, Flagship Credit Acceptance will notify these states of the lien release. Upon notification, some states will immediately release a paper title. Other states do not require the customer hold a physical paper title. Should you require one, you will have to request it from the state.
Before the certificate of title or lien satisfaction can be mailed, the payoff must be posted to your account and the account must be fully satisfied. Once these terms are met, the certificate of title or lien satisfaction will be sent to the authorized party – the person or entity that paid off the loan – in accordance with specific state regulations.
- Online payments can be made at our Customer Portal.
- Regularly mailed payments can be made by check or money order payable to Flagship Credit Acceptance. Please remember to fill in all sections on the money order. Please include the payment remittance slip from your statement and write the account number on the check or money order. Do not send cash. Please send regularly mailed payments to:
Flagship Credit Acceptance
P.O. Box 975658
Dallas, TX 75397-5658
- Overnight mailed payments can be made by personal check, cashier’s check or money order via overnight mail, certified mail or Next Day Air. Please send overnight mailed payments to:
Flagship Credit Acceptance
6901 Windcrest Drive, Dock #2
Plano, TX 75024
- Telephone payments can be made by calling us at 1-800-900-5150. We accept payments by personal checking account, personal savings account, debit or credit cards. Please have your card or banking information available when you call. Check numbers are not needed for transactions. Please note: our service provider charges a $4.50 convenience fee for one-time payments.
- MoneyGram payments are accepted at offices nationwide. You’ll need your Flagship Credit Acceptance account number and Receive Code 6873. Please note: third-party fees may apply. Find a MoneyGram location near you.
- Western Union Quick Collect payments are accepted at offices nationwide. You’ll need your Flagship Credit Acceptance account number, Western Union City Code SIXTHIRTY, and State Code TX. Please note third-party fees may apply. Find a Western Union location near you.
Please send your payoff check via standard mail to:
Flagship Credit Acceptance
P.O. Box 975658
Dallas, TX 75397-5658
To send your payoff check via overnight mail, certified mail or Next Day Air, mail to:
Flagship Credit Acceptance
6901 Windcrest Drive, Dock #2
Plano, TX 75024
Yes – the convenience fee charged by our payment service provider for one-time payments is $4.50. This fee applies whenever and however you make a one-time payment: online at have registered at our Customer Portal, by phone using our automated telephone payment service, or by phone with a Flagship customer service representative.
By registering your account at have registered at our Customer Portal, you can set up recurring payments and make one-time payments. When you register for Automatic Bill Pay, the $4.50 one-time convenience fee is waived. Payments can be deducted directly on a schedule that works for you, including weekly, bi-weekly, semi-monthly, or monthly.
You can make changes to your recurring payment by accessing your account at have registered at our Customer Portal.
Please call us at 1-800-900-5150 for assistance.
Flagship’s servicing fees may be incurred during the life of the contract due to events such as a late payment or a returned check. These service fees are updated in accordance with applicable state laws and regulations, and in most cases won’t result in any changes to your servicing fees. In some instances, there may be a change in certain servicing fees such as a late charge or returned check charge. Please see the terms of your contract for additional information.
The number of days past due before a late fee is charged depends on the state where you live and the terms of your agreement. For example, under a particular state’s law, if a payment is due on the 5th of each month, it must be received by the 12th to avoid a late fee, while another state may allow more or less time. Keep in mind that interest continues to accrue on your principal balance, including the past due amount. All details specific to your account may be found under your Retail Installment Contract or Security Note.
Please check your contract to determine the number of days you have before a late charge is assessed. Keep in mind that payments are required by the due date listed in your contract. Interest charges accrue on your balance, including any past due principal amounts, and will be applied to your account each day, which will increase the total amount paid on your contract.
Any unpaid late fees will remain on your account and will result in an additional amount due at the end of your loan term. Late fees do not accrue interest.
Your payment is first applied to accrued interest and principal, and then to late fees. In this case, your payment wasn’t enough to satisfy both the accrued interest and principal, and the late fee due. This may be because you paid one or more payments late, causing additional interest to accrue. Please note: late fees do not accrue interest.
Once we receive your payment you will receive a confirmation number. If you fail to receive a confirmation number, do not attempt to process your payment again, as it may result in duplicate payments being deducted from your account. If you have any issues making a payment online, please call us at 1-800-900-5150.
Payments made before 8 pm EST – including overnight payments and payments made via certified mail – will generally post to your account within one to three days after they are received, excluding weekends and holidays. However, your bank may not debit the funds from your account for up to 48 hours after the payment is posted.
Your account number is located on the right side of your statement.
Payment history is available for customers who are registered at our Customer Portal.
Yes – you can request a due date change of up to 15 days from the original due date, or as late as the 25th of the month. Please note: changes to due dates are permanent. To request a due date change, call us at 1-800-900-5150.
No – in accordance with your contract, payments are due monthly, on or before the scheduled due date. If you are facing a hardship and cannot make your monthly payment on time, please call us at 1-800-900-5150.
Payment history is available for customers who have registered at our Customer Portal, or by calling us at 1-800-900-5150.
No – you will receive a monthly statement, usually two weeks before your payment due date.
Just register your account at our Customer Portal. You’ll need your 11-digit account number (located at the top of your statement) and your Social Security number or last name.
Flagship uses various communication methods to most effectively contact our customers. These include telephone calls, text messages, emails and letters by mail. With customer consent, Flagship may use prerecorded or automated voice messages, even if the phone number provided is a cell phone number or if the contact results in a charge to you (customer consent may have been provided under the terms of your contract, through enrolling at our Customer Portal, or when speaking to a Flagship customer service representative). If you have any questions, please call Customer Service at 1-800-900-5150.
Yes – you may do so at any time by notifying us in writing or by logging into your account at our Customer Portal and unchecking the “Voice” communication boxes. Written notice must be sent to P.O. Box 3807, Coppell, TX 75019 and must include your name, mailing address, and account number. It must also state that you are revoking your consent and list the specific telephone number(s) being revoked. Please note: If you revoke your consent, we may still contact you regarding your account using non-automated or other permissible methods.
There will be no changes to your existing scheduled recurring payments. Your payments will continue to be made automatically, as scheduled, without a payment processing fee.
For online loan access, please register your account at our Customer Portal.
Sign in to our Customer Portal. Go to “My Profile,” where you can edit your home, mailing and email addresses, plus phone numbers, contact settings, security questions and password.
Yes – to select how you’d like to receive your billing statements, visit our Customer Portal, or call us at 1-800-900-5150.
The primary borrower and a co-borrower on an account can each register for their own profile at our Customer Portal.
Our Customer Portal allows you to manage your account online whenever and wherever you like, 24/7. Use it to make payments, view your transaction history, update your account information, register for electronic statements, and more.
At Flagship, the health and well-being of our customers, associates, and communities is our top priority. If you are experiencing financial difficulty as a result of the coronavirus pandemic, please reach us directly. We are here to help and are committed to being as responsive as possible to the needs of our customers. Please reach us at email@example.com.
A simple interest loan accrues, or adds interest daily for the length of the loan. Interest is based on the remaining principal, also known as the amount still owed, the interest rate, and number of days in the year. As the principal is paid down, the amount of monthly interest paid also decreases.
Sign in at our Customer Portal. Go to “My Profile,” where you can edit your home, mailing and email addresses, plus phone numbers, contact settings, security questions and password.
We do not offer refinancing on our existing loans. For more information, please call us at 1-800-900-5150.
Contact the dealership where your vehicle was purchased to see if the state has processed your paperwork. Each state and dealership have different processing timelines, so the dealership may need to provide you with a new temporary tag.
Contact your local tax office or Department of Motor Vehicles to find out which department handles vehicle registrations (request an appointment if possible). At the appointment, advise the office of your new address and present all applicable vehicle paperwork (such as the title and insurance information, which should reflect Flagship Credit Acceptance as the lienholder) plus any other required documentation (see local guidelines).
Please call us at 1-800-900-5150 to ask for an updated payoff amount.
You can pay off your loan in one of two ways: Sign in to our Customer Portal, or call us at 1-800-900-5150 to get your current payoff amount.
We recommend certified funds over uncertified funds. If you need your title as soon as possible, paying with certified funds allows us to release the lien/title of the payoff sooner. Certified fund payment types include cashier’s checks, dealership checks, debit cards, money orders, or wire transfers through MoneyGram or Western Union®. Uncertified fund payment types include BillPay, business checks, credit card checks, personal checks, payments made with routing and account numbers, or payments made with online banking and the IVR (our automated phone system).
Monday – Friday 7am – 7pm CST, Saturday 7am – 5pm CST
For FDS VSC, you can visit the login page (https://dealerportal.gwcwarranty.com/Profile/Login.aspx) and click the forgot password link to reset your password. You can also call 1-800-482-7357.
For FDS GAP/IUP, you can visit the login page (https://www.vsconline.com/CustomersEdge/VSCOnline.CustomersEdge/FlagshipLogin.aspx?SessionID=1421ab25-2fe7-45c3-af81-c9b5c532f054&?&Type=Logout) and click the forgot password link to reset your password. You can also call 1-800-216-9682.
For FDS VSC, you can call 1-800-482-7357.
For FDS GAP/IUP, you can call 1-800-216-9682.
If you don’t see coverage available for the vehicle you are selling, please reach out to your ASM, ISM, or Credit Analyst to determine if there is coverage available. You may also reach out to GWC at firstname.lastname@example.org.
All full-time W2 primary borrowers are eligible to purchase FDS IUP. Currently, co-borrowers and those who are self-employed are not eligible. A W2 primary borrower may have other, non W2 income, but W2 must be their primary income.
For dealers who use GWC as their VSC provider, when you log in to the portal, it will immediately prompt you to choose GWC or FDS from a drop down. It is important that you choose FDS as the rates and coverage may differ.
As many as you need.
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