Consumer complaint received 2022-10-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
got pre approval on a XXXXXXXX XXXX. the dealership told us we qualified for way more then what we were asking XXXX after down payment. 

came time to do the loan and everything checked out with hudbands income ( who made plenty to pay for the car by himself ). XXXX XXXX XXXX XXXX XXXX XXXX and get paid via personal check ( was able to provide copies of all recent checks ), also sent in my accounts, debit cards for me and nothing drove the 3 hours home and took off the following monday to get everything done and pick up car. sat around all day for the man to keep giving the dealership the runaround SEVERAL TIMES for stuff that was already verified ( proof of job ) end of day comes too say he needed copies of the backs of the checks when that could have been specified days prior. 
drove 3 hours back my boss gets copies of all of the checks with HIS bank statement, my time cards and a statement on company letterhead for him to say finally " we need to open an account with the people that cash my checks : XXXXXXXX XXXX  ). make appt the next day and go open the account. send over the information for the bank account. end of the day we get a text that NOW we need the boss to make up some actual paystubs ( which he does ) even though that information was already provided with a breakdown on the time cards ) how he does paychecks every payday! boss is livid that now he has to pay XXXX for a paystub program with XXXX EMPLOYEES! we send over the pay stubs ( which the program does not allow for detailed breakdowns at least if it does boss does not know how to use ) I ask the dealership why they dont just call to verify my employment since that is the issue. I was told no one does that until after contracts are signed ( which is INSANE : seems counter productive when someone is well qualified and only one road block is in the way from securing the deal ) fast forward the following day ( end of day on friday which is well after 5 ) dealership calls and says the bank says they need to verify income and no one is answering. I give them my bosses cell phone number ( which is a business phone ). dealership calls me back that night that we need XXXX extra down that the 2000 down would not be enough. I agree to it. 
soon after we get a text that he wont do it until he calls the business but wont call the cell phone cause he suspects fraud. so i inform my boss who drives the XXXX miles to go to the office so he can talk to this clown i can finally get my car ( after selling mine that morning because i was under the impression if we did the extra XXXX down we were good ). He gets to the office and tells me no one has tried calling the previous day as claimed ( checked called id ) and he waited for XXXX hours for them to call and never did I end up checking my credit that morning to see who the dealership was trying to get the loan through ( credit acceptance corp : who ran my credit TWICE BY THE WAY ... XXXX HARD HITS ) so I call trying to get someone else assigned to my application because of how I was being treated by this person. and they told me they dont talk to customers. I told her i just wanted to be pointed in the direction of who i can talk to about getting my app reassigned elsewhere and I got hung up on.. 

FINALLY after not answering and leaving the dealership with no answers ( i was told ) somehow they managed to call the dealers and tell them they cant finance to me. i asked for a denial letter and have not gotten one nor an answer as to why all of a sudden they had issues. everything was good in the beginning! 

these SEVERAL other runarounds i got on stuff that was already verified in several diff ways. this is just the summary

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 non-monetary relief