Consumer complaint received 2021-09-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My name is XXXX XXXX I was invited by my friend XXXX XXXX to come down to a dealership at XXXX XXXX in the XXXX Ny so she can purchase a car. This was on XXXX XXXX. They told her she needed a cosigner on the car so she called her brother XXXX XXXX to be her cosigner and I told them if he doesn't work they can use my name. 
The man who was doing the loan process came back to my friend and told her it was going to be a 3 person loan & that it's through a company called credit acceptance and it's a company that will help build everyone on the loan credit. And then after 3 months you can bring the car back & refinance for a lower interest rate. So she made a down payment of {$1200.00} & gave them the coupon from online that they will pay {$1500.00}. And they told the dealer name XXXX to take her for a XXXXest drive in the XXXX  XXXX XXXX after she gave her insurance information paid for it & go the ID cards. I went with her and XXXX to test drive the car & when we came back they had us sign papers & they had to do her paperwork over cuz they kept spelling her name wrong. I should've known something was up when that kept happing, especially since all the income paperwork was in her name and they had her driver 's license also & bank statements. They actually asked for mine & XXXX XXXX bank statements. My complaint is I was sitting at home & a bill came in the mail from Credit Acceptance that was a billing statement & I was like I didn't purchase no car I only make {$800.00} in social security XXXX a month how in the XXXX am I to pay this bill that's not mine. I called them & they said I signed the papers for the car & I said we all signed papers that none of us ever received and I didn't sign for no car loan so take my name off the account. I've been disputing this for a year & they claim I signed these documents & yes I signed documents they said was a cosigner documents and they went to XXXX XXXX house to have him sign documents also. I reported them to the XXXX  & they contacted Credit Acceptance and they did a internal investigation and said the dealer and there findings is that the dealer wouldn't have put me in a loan unless I showed proof of income & that I told them I make {$1900.00} extra a month & I'm like were the heck did they get that from, cuz if that was the case I wouldn't had went down to them for a XXXX  XXXX XXXX that can't fit my XXXX body. One more thing XXXX XXXX XXXX XXXX sister he cosigned for is the only one that had a income that was more than myself & XXXX each month. They also said signed the registration also I don't know how I pulled that off when I don't have a driver 's license. I would post documents but it's been a year and they still haven't given any of us proof of sale documentation & none of the paperwork that was signed & to this date they still haven't presented them, the dealership keep saying they mailed out the papers

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