Consumer complaint received 2020-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
SUBJECT : KILLING  CONTRACT DUE TO UNPROFESSIONALISM OF SERVICES ; In the year XXXX, I bought a used XXXX  SUV/Car XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Wisconsin, ( Biggest Mistake Ever Made to my Demise ), They use the load business called " Credit Acceptance '' which supposedly gives consumers or first time buyers with low credit a option to purchase a vehicle. The car was priced according to the salesman at XXXX by the time financing went through tax and license and all that gumbo, the total in all averaged out to XXXX at the payments of XXXX per month. 
I only fell back once in XXXX due to hardships in job changing, after all that I managed to build myself back and continue my payments to this company monthly. 

THE ISSUE OF TIME FRAMES : I XXXX XXXX XXXX  for a living, you know those XXXX XXXX XXXX with XXXX XXXX, not your XXXX  lil XXXX 's, this job is high demand and requires reliable XXXX to XXXX  XXXX  to customers, my daily work week is anywhere from 8 to 10 sometimes 12 hours of XXXX, back to back XXXX, i get one 30 minute break in-between XXXX  which is to give me time to eat and rest before finishing out my other 8 hours or more XXXX  time. By the end of the day it can be XXXX or XXXX XXXX  depending on schedules when im to shut down by federal law for 10 hours before my time resets for XXXX XXXX. This takes up allot of my time to get personal things done physically, so most time when i can i try to get my financial dealings by phone done when i can, it's a XXXX of a way to spend your 30 minutes but a necessity to to the demands needed and the jobs to get done! I am not going to throw my job or customer to the curb for any measly little business on the side, certainly not this one or any other. 

CAR REPAIRS STARTED 2 MOS AFTER PURCHASE : Within 2 months of having this vehicle, I had to replace the alternator which i was charged for by the dealership which was supposed to be covered under warranty, XXXX 6 months later after that I had to buy a brand new battery because the car was dead.. 
which is covered for a year by the manufacturer, my company ordered the battery for me which is deducted out of my paycheck, however within 8 months I needed another battery because that one died. 

Now mind you, i am paying this loan joke XXXX every month on time as said in contract, however the car began giving me engine problems, not to forget the fact, when this car was bought it had a fuel hose throat problem, you couldn't fill the car like you would normally, which usually takes 15 minutes to fill up a car depending on pump speed which is usually pretty quick, it would take me 30 minutes because the fuel would begin to pump but cut off midstream, i had to wait 5 minutes each time before beginning to pump again. This is what the dealership sold me was a complete lemon of problems, then the heater coils i found out were bad, couldn't defrost the windows, no heat would come out, AC worked great that's it, so to get the coils fixed and the fuel issue fixed that ran me approx XXXX that was in XXXX, then the engine went, some valve or gasket blew, another XXXX approx, all out of pocket expense while still paying credit acceptance XXXX each month, XXXX rolls around, now i have a window button problem for the drivers side, and the air in one of the tires is leaking, dont know which one as well as some fuel cap warning coming up on the dash board. Back in shop it goes, another XXXX bucks out of pocket, except for the tire leakage. XXXX XXXX would of charged me a XXXX allot more using the excuse my warranty wouldn't cover these things, so i went to another recommended mechanic who even though was pricey but fair, they did the job right the first time! The only regret I had was the dealership never bothered to really check this used car before putting it on the lot to sell, they just bought it from another sales place and went with what ever info of ownership was on the paper work, the car isnt even worth XXXX period, these cars or suvs value when they were in manufacturing roughly under XXXX, XXXX / XXXX stopped making them due to the recalls of problems people had with them, various different issues. 

Now here comes battery number 3 just 1 month over the year warranty of the other 2 and i had too buy another new battery. 

By this time, According to Credit Acceptance, my balance from XXXX grand is now XXXX, XXXX pay off, but heres where it gets down right XXXX  ... 
Each time i had to call these people for an adjustment over the phone from their reps they claimed are so highly trained properly ( cough ) i was met with ignorance, XXXX  and XXXX behavior enough to get me to begin screaming at them as they wasted my time, I dont know how many times i have told this joke of a place, I dont have time to call you when you snap your fingers asking me to jump buildings at your demands, nor do i have to explain to you my personal routines so you can come up with ideas to XXXX me over cause you got a issue you dont make good money where you work, that's not my XXXX problem! 
They have a website where you can schedule a payment ahead of time which i have used many times because i cant call this payment in every XXXX day of each month, so i make arrangements for it to be scheduled for these dates or earlier, course this loan place will drag its feet collecting the funds tying me up to move forward to pay other bills. 

Well the killer of this was over the XXXX weekend ... I knew my schedules with work were going to be pushed as the holidays were rolling in so was high demands of getting XXXX and such XXXX, I was going to be too busy to be bothered making calls, and it being the holidays most places would be closed. I get paid every Thursday  per week, I made an arrangement on their site to pay this time XXXX on the XXXX of XXXX, however our pay period let us know we would be getting paid a day early. So Since i was at a customer on XX/XX/XXXX, and had to make a fast call to CA asking them if they could cancel the XXXX schedule and use the XXXX schedule to make the payment as the banks would be closed etc, i was met with a XXXX lazy rep who had nerve to tell me, you can do this yourself online! Oh that did it! I hit the roof, again here i am explaining to another XXXX i dont have the time to change anything online, that is why i am calling, can you just cancel the XXXX scheduled XXXX and use it for the XXXX? how hard is it to grasp this? She said fine, or so i thought it was fine, I proceeded to make the XXXX payment, paid their XXXX  merchant fees of paymentaus, and ended the call. 2 hours later i checked my bank and saw i had roughly XXXX around there left in balance after the car payment went through, so i took the opportunity to pay some other bills in advance to avoid late fees etc, and calculated it down to a T, leaving me enough to use while over XXXX XXXX til next payday. 

COVID 19 EXCUSES This pandemic i know has made it hard to many to work, some dont have any work others are forced to work from home, credit acceptance is one of those who have their reps work from home. I have heard the excuse due to this covid 19, people make mistakes, XXXX! Thats as lame as a student telling the teacher the dog ate their homework. 

Well here comes the XXXX, and i check my bank account, and to my horror i am now negative XXXX! I am like what the XXXX happened? The transactions didnt begin coming through til later that day around XXXX XXXX, thats when i noticed the first XXXX to Credit acceptance was pending long with others that were minor and i was puzzled, in the next hour more transactions pending began to appear, and bamn there it was, the rep didnt bother to cancel the XXXX payment and it too was pending i was hitting the roof, i went into my stock account immediately and liquidated all my stock trying to come up with the funds to transfer into my account to cover the negative before my bank would hit me with NFS fees of XXXX a pop, but found i couldn't transfer anything cause it was a newly bought stock and needed tme to accumulate, so this now put me in probation mode for 30 days meaning i couldn't touch anything for 3 months! Thats when i really hit the roof! 

XX/XX/XXXX, - my balance in my bank is now negative XXXX! so I called my bank and filed a dispute to have that loan company reverse the charges and then i called the loan place and chewed out another rep and told her, if that money isnt reversed within 24 hours im reporting this as theft! she told me i could of left the scheduled payment as is and the money would of been retrieved the next working business day, and i told her how in the XXXX am i to know that? and what makes you people think i can jump on a computer and cancel when XXXX XXXX an XXXX XXXX  all day long? its time consuming and now you people have put me in a XXXX of a situation. I cant have this, since XXXX i have been haggled by you people trying to make adjustments i have tried to be pleasant only to end up screaming at you all because you ask all these XXXX questions like im in some XXXX deposition for court! I dont have time to be held up while you all sit on your butts doing nothing at home blaming covid 19 for your hangups! GET REAL! 

AS of TODAY XX/XX/XXXX, i am now negative XXXX! 
The repairs on this car shouldn't of had to happen, the cost of this car over its value was a sham, and now im dealing with amateurs who shouldn't be running this frat at all. I reported it to the Michigan XXXX  where this company apparently is based out of, and told them I am killing  the contract, i dont want the car,, i dont need to do business with XXXX, i will be contacting the creditor bureaus explaining the deflect of my decision cause i know just like with XXXX  XXXX, these people are going to throw a coniption fit and spew allot of negative remarks on my credit report. Frankly i dont give a XXXX because i am just going to save up all i can and buy my next car BRAND NEW STRAIGHT OUT so i dont have to deal with loan sharks anymore. 

So if you CPFB feel this poor babies are being bullied by me in such a hateful manner after the sham they just pulled, how about i contact XXXX XXXX investigation report and have them air it online? Because the reviews i have read about this loan shark are not very good in fact they have done more damage then good for a person.

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