Consumer complaint received 2021-05-29
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Purchased used XXXX XXXX XXXX XX/XX/XXXX paying a note on car XXXX interest 21 %. Never missed or was late on payment from XX/XX/XXXX to XX/XX/XXXX. During that time. From XXXX to XXXX. 1st thing that happen was my center manifold that went the next night after purchase, wanted to return car they wouldn't accept they the paperwork was already pushing through. They fixed the car I did have warranty but red flag. On XX/XX/XXXX I had to get a new transmission miles ( XXXX ) also rear differential along with axle shaft, I have all paperwork ... still covered under warranty they fixed it. On XX/XX/XXXX I had to replace my entire bottom car price on parts total was XXXX that's with my job discount. Labor cost me XXXX I have paperwork miles on car ( XXXX ). On XX/XX/XXXX Transmission went again took it back to the same spot who recently did the transmission, miles on car ( XXXX ) they fixed it. On XX/XX/XXXX took my car to the dealership my cars keeps cutting on in off. On XX/XX/XXXX XXXX XXXX called me back in said the computer brain is dead in my car, would cost around 3,500 to fix it ... that's when I called they Dealership where I got the car, they said there's nothing we can do for you and hung up the phone. So I called Credit Acceptance and told them what was happening, I said I got sold a lemon got car with XXXX on XX/XX/XXXX finished with XXXX miles on XX/XX/XXXX I barely put no miles on that car in that time frame for my car to have that much work done to it. Plus it's a dead car I need ya 'll took pick the car up. They said no you're responsible for the car no matter what. I told them the car would be sitting at XXXX to come pick it up. XXXX had been calling because nobody never came in got the car. So I went to XXXX on XX/XX/XXXX to get my things out and called Credit Acceptance to ask why nobody has come to pick up the car. They hung up. I paid my last payment on XX/XX/XXXX even after my car wasn't working I payed that last month off which I told them I would. It was on my credit. From XX/XX/XXXX to XX/XX/XXXX..late was XX/XX/XXXX XXXX. On XX/XX/XXXX I went to look for car..Credit Acceptance reopened the account and said I was late. There's nothing on my credit report from them from XXXX XXXX till XX/XX/XXXX. For some reason when I called they said there system hasn't been updated in 2 years this was sometime in XXXX of XXXX. I said this makes no sense I have the title to my car it was lemon the case was closed, they said they never closed it. So my credit went from a XXXX to XXXX because they reopened a closed account. I called XXXX  ... they said the account was sent to an undisclosed creditor from Credit Acceptance in XX/XX/XXXX then again to an undisclosed creditor on XX/XX/XXXX. So they are messing with my credit can you please help me I have the title to my car which I last heard is still there.

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