Consumer complaint received 2023-08-11
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2021, I went to a dealership looking for a vehicle and found XXXX XXXX XXXX. I was told the paystubs I provided look fake and faulty and they don't look legit. They then had me go back to my employer to have them issue me a new stubs that meets their criteria. At that time I was already in the process they told me a {$1000.00} down they will see what I can get. i had a vehicle in mind that was really nice. After verifying that my paystubs were legit and real. They told me that there finance bank " XXXX XXXX '' kicked the deal for fictitious paystubs. The deal was returned to them and they offered me in house financing through their dealership. They responded to the XXXX stating Everything I just said above. So I questioned myself over and over and just been thinking heavy about this because I paid them the down payment which was almost everything I saved up for. They told me I couldn't get the car I wanted from the start and said they have a car in the back they can pull around for me to see. It was old looking and ran down but I'm not a car expert I just needed transportation for my family and they said the car is old but very reliable and will get me from point A to B. Sales Tactics were on point I was totally tricked. The same day they told me to bring the car in the next day if I can to get maintenance on it that I asked and checked on the vehicle such as break pads, rotors, oil change, oil filters, Tires and fluids. I brought it in to their mechanic shop on their property and dropped it off. While picking the vehicle up the maintenance man ask me was I here to pick up the XXXX XXXX I said yes, he specifically told ask me did I finance this vehicle and I said yes. He said they wasn't supposed to sell me that vehicle yet because he didn't get a chance to check it out since it came from an auction it set in the back of their dealership yard. They didn't do non of the things they said they would so the car starting malfunctioning and I wasn't able to drive the car I told them about it and reached out to them multiple times and they did not want to help and I started receiving calls, emails and text from a company called XXXX XXXX but I was informed by the dealership I was setup to have in house financing. The dealer responded to the XXXX stating they never reported to my credit report and that i need to contact credit acceptance, but I thought they kicked the deal. As stated on credit report and on XXXX XXXX XXXX XXXX I never made a payment due to the vehicle not able to function after financing the vehicle. If the motor is blown then they just admitted that they sold me something that they had knowledge about from the start and their response also shows that they knowingly gave me a vehicle that has a blown motor. I just want the payments and account off of my credit report. I would like them to notify XXXX XXXX to do so. This is so wrong and its been causing a lot of troubles and emotional distress I had to deal with transporting my self to work and handling kids going to school all that was effected because of them and I am still being punished from getting a vehicle due to their actions.

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