Consumer complaint received 2018-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
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:
This is a counter response to Credit Acceptance Corp made onXX/XX/XXXX Complaint ID XXXX  1 ) Credit Acceptance was aware of issues with car based on XX/XX/XXXX email from dealer, XX/XX/XXXX and XX/XX/XXXX diagnostic done by XXXX and finally a denial from warranty company.

2 ) Failed to disclose car was for rental use while discussing XXXX XXXX  ran XXXX but left detail of rental use history. Is why I believe possible salvaged title.

3 ) Refused to acknowledge car sold way above market value and why only bank that would approve such a price. Terms were can only use Credit Acceptance with that dealer.

4 ) Dearler owned dates, sold to me dates and prior history owners not reflective on Title.

XXXX XXXX ran not provided only verbal.

All of XX/XX/XXXX my complaint was ignored despite several emails requesting complaint status. Only thing told was they are trying to get dealer to pay for repair cost. Was asked to provide car Diagnostics only a few days ago not giving me time to send. Instead stating I wouldn't send them. They are aware that I only have a few hours between work and that I would provide. Again only asked 4 days ago gave me 4 business days to send on an investigation that began XX/XX/XXXX.

Credit Acceptance is falsely putting words in my mouth omitting an email onXX/XX/XXXX to dealer and dealers response ( They have had since XX/XX/XXXX ) which clearly shows I had no knowledge of issues with car other than what was described by dealer as wind roof rack noise.. wasn't until after sale and driving on the highway was it apparent something is seriously wrong.

And it was!! Wheel Bearings. Wheel bearing noises are mostly heard when driving car at high speeds not the 35 MPH test drive speed.

Email from dealer, XXXX   Diagnostics all sent via email to Credit Acceptance Corp and despite all of that wants to blame me.

Credit Acceptance Corp also attempted to convince me that a wheel Hub bearing and Hub Assembly is Normal wear and tear??? Should last the life of the car per XXXX. Is another reason I strongly feel their is more history to car not being disclosed and possibly salvaged.

Warranty controled solely by Credit Acceptance and I have no rights to a denial, appeal or even cancelation of such a bogus warranty.

I filed directly with FTC requesting to pick up complaint.

All knew they sold me an Unsafe, overpriced vehicle with a interest rate not allowed in Michigan?????? Or Is it Florida???

Company has implied they are investigating in actuality they are only passing the buck.

Attached Diagnostic of wheel Bearing failure XX/XX/XXXX from XXXX with Mileage well below the 1513 miles Credit Acceptance stated I drove before discovering.

Clearly was discovered the evening of sale and on XX/XX/XXXX.

Attached is the additional diagnostic done on XX/XX/XXXX, email to and from dealer, copy of warranty contract with no pre exsisting clause implied, picture of car still for sale by dealer on carguns website and that was way above value,

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