Consumer complaint received 2018-07-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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 XX/XX/XXXX, I put XXXX down on a XXXX XXXX XXXX XXXX XXXX Dealer located In XXXX my payment would be low and so my tags would be financed in because I didnt work but my son and daughter Both receive XXXX at the time which comes on the XX/XX/XXXX of each month and my son gets child support they used those documents to finance meMy contract says XXXX but I only put down XXXX. XXXX Said I couldnt get the XXXX XXXX XXXX because XXXX XXXX said I only had two options A hatchback and that XXXX XXXX XXXX which someone had traded in the day before because of my credit history. I said well if I put my XXXX down finance my tags in because I dont work and I my brother is sick with als I cant go without a vehicle Im his power attorney and they tried charging me XXXX to finance my tags when thats the reason I gave them XXXX and was a great and today the XXXX  a at the mileage and good condition the car was in only worth XXXX was upset but they had already ran my credit I wasnt letting no one else, He said he would sell the car for XXXX for 24 months then he told me I could get the car without Gap insurance which most of it goes to his commission which made my payment XXXX wayyyOut Of my budget I was hoping for XXXX or XXXX Im a unemployed single mother of XXXX .. but it was verbal only XXXX XXXX said it took a lot to get You fianc because of my repo and credit history And inquires my scores was wasnt bad when XXXX XXXX sold me a bad vehicle and because I had no knowledge about dealerships and them using shotgun the shot XXXX approached to finance I did blow my credit score up with inquires, I only had 1 repo in XX/XX/XXXX that comes out in XX/XX/XXXX, nothing major and I had been building my credit because after how bad XXXX did me and cause me to lose everything I studied luckily I wrote a letter of revocation and showed proof to the credit unions and had XXXX removed that raised my score, I got approved for a XXXX XXXX credit card, I also got approved for a XXXX account and writing the credit union removing inquires because I wanted the best interest rates, I got XXXX XXXX for XXXX down and my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX me for Mobile Home. After I lost everything I applied for a loan at XXXX and she told me all I needed to do was have a car loan to get my score where I need to be I lock all my credit scores and paid everything on time and I even have XXXX XXXX then and now only thing that looked real bad on my score besides the repo was The inquires I had obtain trying to get refinance XX/XX/XXXX-XX/XX/XXXX before I realize the damage and I turn every dealership into XXXX and a lot of those unauthorized inquiries were taking off I have documentation on everything Ok when I was finishing up XXXX told me to told me to go in the back and finish my paperwork with this guy idk his name but it was a big guy and he said bare with him he dont normally work back back thereI told him I want my carnote to be automatically to be pulled from my account and I signed a consent form because I was trying to do better with my priorities after losing everything he said your first payment will be due on XX/XX/XXXX, I said no Im on a set income and the money want be there on the XX/XX/XXXX checks dont got till the first and Im not working he was suppose to fix it I had to get up and go get my son from school.. I My tags were set to got out XX/XX/XXXX so I went by their early and said I need the paperwork And the blonde lady at the desk said dont worry we will register it for me. I let a lot of things go over my head but I no dealership has every registered my car even Car-today And My last dealership paid for my tags but I still registered it, then one day the same woman called me up there to pick up my check for my tags gave me all the stuff they said my sales tax was XXXX something but the check was only XXXX I thought maybe they paid their half and XXXX at the XXXX XXXX XXXX said something aint right they didnt even pay half of your taxes. She said everyone else that buys from them that come in here have never had checks this small and your paperwork says that were financed in you need to call the dealerships and she whats going on and when I called they told me XXXX XXXX said no. I went back and told XXXX at the revenue office she said said call XXXX XXXX. So I did and made a complaint I said XXXX said yall told them no on financing my tags thats when they told me your tags are financed in and. then I said this whole car deal is bad I want out then the woman said its up to the dealership, she then said gon na see how she can get me my tags and I never heard back thats when I took a good look at the contract and realized no matter how much you study a man needs to go with you cause XXXX did me in they finance my XXXX XXXX XXXX At XXXX the value only XXXX on a good day the interest rate XXXX financed charges XXXX total sale price XXXX it was only worth XXXX when it came out., I lost my job, they the over draft fee when they tried pulling my car note out on the XX/XX/XXXX cause my car note to go up to XXXX. I gave them consent to take out my account but not on the XX/XX/XXXX when I only get paid on the XX/XX/XXXX not one time did XXXX  XXXX or XXXX try to work with me and see whe went on. The I turned them in to FTC and. XXXX  and a women called me the next day asking what happen I told her I told yall months ago b4 it got this bad calling harassing everyday even if I talked to u the day before, then she said your tags have been registered we received papers as the Lienholder and I still got my paperworker the title paper I didnt register it I got a car outside that I spent all my tax money on I cand even drive I take XXXX everyday and its breaking me Im behind on every bill, I started school XX/XX/XXXX but I got XXXX quit because I cant afford XXXX prices and feed my kids and I cant get my needed documents in I cant take my kids to the park my brother is in his Last stages of XXXX I cant even see him Ive been in the house since my tags went outthe woman never called back but they wrote the XXXX  saying I gave them consent to pull out my account yes I did but not on the XXXX why would I do it came be late I never received a copy of my credit score I still dont know who registered my car and why I paid down XXXX for a XXXX XXXX XXXX why I couldnt pick my own car and why my pay paperwork says XXXX that my tags was financed in but I dont have the tags or nor did I pay XXXX this contract should be void Trying to do better I feel like I was set up to fail I wan na know my credit score the day they pulled it I wan na know. Fraudulent Misrepresentation is what you call it Negligent misrepresentation. The Contract is a lie XXXX And XXXX XXXX have cause me huge financial losses XXXX XXXX calls you all day everyday They havent responded backed to XXXX  XXXX help me. They had two warrantys on my contact on I never new Of and someone signed my name to the title I ask to be out the bad deal when I first contacted XXXX XXXX. Ive lost everything they came and got the car.. I contacted the CFPB, XXXX, FTC, and applied for legal aid the whole contract is a void I gave them permission to take my payment out monthly on the XX/XX/XXXX not XXXX more dollars to finance my tags I want my money back me and my kids are careless now XXXX said I had to have gap insurance and he also told me my credit wasnt good enough to get the XXXX XXXX or I to get that gap insurance had to couldnt get the car, he also told me the car was only XXXX ... they charge me XXXX to finance my car and at a XXXX interest rate I never received my credit score .... I was taking advantage the contract is a complete void and I never new of the XXXX extended Warranty they overdrafted my accound twice raising my carnote .. I hit a pothole paid XXXX for the damages and still paid my car note and almost lost my home and when they refused to give me my tags and I realize the whole contract was void I no longer could to pay every since I paid for the pot hole damages I been behind on everything this car and dealership has put me in the worst financial situation they bumped my payments up to XXXX .... I lost my job after they refused to gives me my tags someone signed my name to the back of the title I lost XXXX dollars I dont work thats why I asked for my tags to be financed.. Ive reached out to everyone these last 6 months I dont know when but they came and got the car, my only mistake was going to that dealership my myself they lied and scammed me and took my money and car. I had been working so hard to get my credit up Im XXXX   out now

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