Consumer complaint received 2020-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
XX/XX/2020 I get up for work to find that my car wont start. I call XXXX to find out about the factory warranty still available on the car and based on the VIN on the car it was still available for the repairs. I get the car to XXXX later that night by tow and they then give me a loaner car for the inconvenience. 

XX/XX/2020 I Receive the diagnostic from XXXX to an extent. XXXX tells me that an accident had occurred in my vehicle in which the Airbags had been deployed and that they can not service the vehicle because it is no longer under warranty. 


Now we get to the matter at hand. 

XX/XX/2020 After finding that the car is no longer under warranty due to an issue that was unknown prior to me buying the vehicle, I call the extended warranty that I purchased for XXXX through a company called XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 

This company tells me that they would have been happy to acknowledge my warranty but due to the airbag issue on the car they administer the work on the car. At that point I tell them I want to cancel the warranty because me buying for this warranty does me no good if I can't use it, so they then tell me that instead of the refund returning to me as it should that it will then be sent to my lending contract and be added to the total cost of my vehicle. 
I should have never been able to even purchase this warranty because this was an issue prior to me buying the car that I was unaware of. me having to pay for it when I bought the car means I should then be getting the refund for it as well.. 


On XX/XX/2020 that same evening I contact the Dealer - Mark over at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX While talking to them, I explain everything that i cant get the car fixed using my warranty due to the fact that an airbag had been deployed on the vehicle in an accident prior to me having the car and that I need my contract resented because the car should have then never been able to be sold to me. He then tells me that no airbag had ever been deployed on the vehicle and that I need to contact the financing company because its " out of his hands ''. 
Basically acknowledging to me that this accident had happened and never been reported on the VIN before I bought the car.

If the airbag had been deployed on the car, the title and VIN on the vehicle would have said SALVAGE meaning I should have never been able to buy it. 

XX/XX/2020 I then contact my financing company which is CREDIT ACCEPTANCE CORPORATION I begin to explain that I need my contract to be Resent because the car that was sold to me was sold Illegally. I tell them about the everything prior to this phone call, and they then tell me that they do not finance vehicles that have salvage titles and that they have no records of the vehicle being in an accident in which the airbags had been deployed. 

They agree that the vehicle shouldnt have been financed through them, Let alone sold by the dealer. 

Im still telling them that I want my contract to be resent and that I deserve a refund for the full total that ive spent on the car from the down payment, to the taxes, to the payments up to this point and that this needs to be wiped from my credit report and the car given baxk to the dealer. They then tell me that I cant get the loan cancelled on the vehicle, even though it should have legally never happened to begin with! 

This is what led to me contact other help!

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