Consumer complaint received 2018-07-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a letter from yall stating that you were trying to give me my title, never have I had a conversation with Credit Acceptance over a title yall have constantly called me about paying my note which I did all up until no one would give me my tags I had finance in I lost my job, I have to pay XXXX to take me everywhere XXXX $ Ive took the biggest financial lost Im now behind on every bill I called XXXX at the revenue office in XXXX AR right in of their employee XXXX XXXX when she told me something wasnt right because people come in here all the time with checks for XXXX never this little though it was only XXXX XXXX Who answered the phone said Credit Acceptance said no which had me and XXXX puzzled because if yall said no why did I receive a check. Then I call credit acceptance and found out yall did finance my tags in but I still never received them I call yall assured me me you would get me my tags then I never got them. The contract is a void I never signed it nor did I ask them to put a extra extended warranty on my car then XXXX XXXX stated I had to have gap insurance or no deal the day I first contacted yall and asked to be out this contract which was bogus and a void you told me it was up to the dealership Never once did yall try helping me. After that I took a good look at the contract which I never signed I have been working on my credit a year now and I know my credit was not bad but yall finance me at XXXX and I still havent received my credit report but dont worry I will they charge me XXXX for financing. He told me I would only pay XXXX for the car for 28 months as as you can see on the contract cash price XXXX but he charged me XXXX and when Im done paying I will be paying what the car is worth with when it came out then XXXX kept trying to tell me my credit was low that credit Acceptance said I only had the option of two cars a XXXX   and a XXXX that came in the day before I picked out and XXXX  XXXX XXXX But XXXX said yall told me I couldnt have it because of my credit I was totally taken advantage of everything I built credit wise yall have taken from me then call me everyday a bout a carnote that was voided when you refuse to give me my tags then I tried fixing this problem with the XXXX XXXX XXXX contacted me again stating that weee gon na figure out how to get you your tags then you responded to the XXXX stating you seen a paper I signed for a withdraw from my account yes you did for them to take my paper out each month. XXXX falsified I only got back XXXX in taxes I gave XXXX XXXX and bought furniture from XXXX  XXXX with the rest I contacted yall when you overdrated my account twice which raised my car note up to the point that y felt like this car deal has dragged me to my lowest. Neither time did you try to help me when u knew for a fact the whole deal was fraud at its finest but I have a copy of everything and not just me the XXXX   Inspector General Attorney General XXXX XXXX Financing fraud, Fraudulent misrepresentations, deceptive practices unethical immoral behavior. When i feel scammed by XXXX and Credit Acceptance, im hiring a lawyer. Someone sign my name on the back of that title too I financed that car XXXX knowing Im on a set income, my daughter SSI my Son only got XXXX in SSI and XXXX in child support thats comes on the first no other day I feel like I was set up up to fail when I left to go pick up my son from school in the middle of financing I can get documentation it was around XXXX thats when I believe that contract was tampered with but at the end of the day I still didnt get my tags he kept saying I had bad credit and my credit wasnt bad he said credit Acceptance almost wouldnt take the deal and I called yall and told you exactly what was going on and not one time did yall try to fix I call yall trying to fix it when I started my job and still no tags so credit Acceptance is just as responsible than XXXX XXXX interest rate paid thats on a XXXX dollars less that what the car is worthThen yall come take the car without offering me My belongings we all know why tho, but XX/XX/XXXX it was already a breach of contract when I never received my contract this whole. I want this off my credit I want my money back, everything I lose will have back

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