Consumer complaint received 2022-08-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
After being solicited by a dealership from a " Happy Birthday email '', I secured a deal ; however the warranty listed XXXX months. 3,000 miles were given by the dealership. I took the vehicle to the dealership several times for them to assist and " check '' to ensure no major problems. The service manager reassured me up until a few weeks before the car was diagnosed with a transmission issue. With the dealership being 30 miles away. The car was towed on XXXX XXXX, and has been stored until 2,400 worth of labor can be performed. I purchased the extended warranty for 1,266.00. The company refuses to fix the vehicle at its current mileage which is over 61 miles over alloted. A certified letter was sent to the company directly for a resolution. No late payments were recorded until XXXX ; however payments have been rendered despite the vehicles ' storage at the dealership. As a result of reporting from the loan company ; the chance to trade the vehicle with the dealership was denied. A credit report was pulled by the salesman ( without permission ). The salesman stated he was going to see " what was going on with the vehicle ''. He came back with a credit report check document. No further assistance has been provided nor contact from the dealership. After the vehicle fail I did further research and read customer XXXX reviews ; I noticed several customers had a similar experience, and I learned of a federal lawsuit previously brought forth against the loan company. I did not know that this particular dealership was a : XXXX XXXX " everybody rides '' ad within the email. This particular slogan is on local radio and tv stations with the notion " everyone gets approved ''. In the soliticitation email that ad is not stated. I entrusted the dealership to ensure qaulity sales, and products. The vehicle failed at 9 months almost exactly at the correct amount of mileage exhaustion. I also have enticing, and XXXX XXXX  text messages from the service manager ; after it was his determination I was not going to let them manipulate me into beleiving they were being professional since signing. In fact, his actions led more to a situation in validating my opinions of business both inside the office, and inside the service area. During the siging period, I was asked if I was " nervous '', and the statement was made that this would " help my credit alot ''. I was confused because my credit was fair at the time as a widow. I invested almost XXXX  into the vehilce before the XXXX XXXX failure. After a 600 mile spring break trip, the car malfunctioned tremendously. I had to probe the salesman and the service manager for the final verdict on the car 's diagnose. Still not clear. They can not answer the question, limiting fair trades with competitor lots in the local area. The car was purchased post COVID SARS II.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation