Consumer complaint received 2021-12-10
Company: American Credit Acceptance, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On or about XX/XX/XXXX I went to XXXX XXXX in XXXX Mississippi to trade my XXXX XXXX XXXX in that I owed {$3100.00} dollars on. The car I wanted, an XXXX XXXX had sold already and the XXXX XXXX XXXX insisted I drive the XXXX XXXX XXXX that they had just acquired. I ask if the XXXX should any wrecks and was told it was clean ,0 wrecks. After sitting in the dealership for over 6 and half hours I was taken to the finance office at XXXX and rushed thru signing of papers and was not explained anything even who was my lender. I was only given a bill of sale and temp tag. For over 3 months I complained about not getting my registration or permanent Tag and than had a problem with starting of car so took to dealership to sit for 4 hrs because needed a new battery and they was waiting for XXXX XXXX to deliver and would be few more hrs. I had to be and work so I drove the mile away to XXXX XXXX and paid for the new battery myself and as the worker from Auto Zone was placing the battery in He stated " Man what did you hit in this fine car? '' I looked anf said " This car has not been in a wreck '' He laughed and said " its had extreme front end damage '' I went straight back to Dealership to XXXX XXXX an ask about the wreck and He again assured me it had not but that yes he would pull XXXX and show me. When He pulled XXXX, it immediately said had been in a front end accident. He said he was sorry but that he didn't know. So I was lied to from start and they would do nothing about it. Less than a month later after still not receiving any paperwork from lender, my car was repossed by American Credit Acceptance and was not allowed to know location to pick my belongings up which includes the rains of my dead Brother XXXX XXXX but was told until I turned in my auto keys I could not get anything and still do not have my stuff or my brother. After this happened, I learned that I now owed {$15.00} XXXX dollars on this XXXX because I had unknowingly purchased extended warranty an Gap from XXXX XXXX in amount of over {$5500.00} dollars. I've been given no help even after going to dealership and requesting these warrantys and gap be immediately dropped and terminated yet still to this date they are active. I want my remains of my Dead brother and my personal property immediately and than want my XXXX XXXX back for false statement of wreck and illegal financing of full discloser not being given In fact the finance company American Credit Acceptance didn't even have my right address that was on my registration and tag papers by had an old address from 2 yes ago and they claim that's why I never received payment book or letter to repossessed car. Hello I Dont send the papers in XXXX XXXX did. I need help please. I've lost my brother, my mother, my job and my house due o XXXX yet my Government hasn't helped. At this point I feel ashamed to be a former XXXX XXXX member and citizen of the USA. I pray someone corrects this asap. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief