Consumer complaint received 2019-10-29
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am writing because I purchased a used XXXX XXXX XXXX XX/XX/19 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( XXXX ) XXXX Down Payment {$3400.00} As Is. Sales Representative XXXX. The vehicle was financed through American Credit Acceptance XXXX XXXX XXXX XXXX IN XXXX. 
I was advised this vehicle had not been in any accidents by the representative. 
When I spoke with the Finance company they asked me if there was any issues with the vehicle I told them no everything was fine. I had already discussed the AC belt with the other sales Rep XXXX which he was going to have put on at a later date due to his mechanics office was closing for the weekend. 
My daughter in law and I took a road trip to XXXX the evening of XX/XX/19 for a family event. While driving on the highway the vehicle started stalling and Errors started appearing on the screen Engine Malfunction Reduce Power, TPM Malfunction, the vehicle started losing power and jerking I needed to pull to the side of the road in the middle of no where on a pitch black road. 
I did not have funds to get a tow after waiting for a while I tried to start the car again and it started no codes came up on the screen so I continued to drive again after driving sometime the same thing happened about 4 more times. We finally made it to XXXX the afternoon ofXX/XX/19 upon arrival at my Daughter in Laws place the vehicle started stalling again and I parked the vehicle in front of my daughter in laws house and have not been able to drive it since then, I had to get a ride back to XXXX. I was very upset that I had to get a ride back home when I just purchased a vehicle. 
I feel I was sold a lemon. 
I contacted the Finance company to advise them to pick up the car. I was not paying for a vehicle that does not work, and that I was very upset about the issue with the Vehicle. The finance company advised me that I am not responsible for repairing this vehicle, and that they have already paid the Car Lot for this car. The rep with the finance company said the car lot is responsible for towing the vehicle back to XXXX and repairing it as I have not had the vehicle for a month yet. he asked why I had not contacted XXXX XXXX XXXX about the issue sooner, I told the finance company I was advised that there is no way this car should not be working within 30 days of purchase and even though I purchased it As Is. I went to the Department of Motor Vehicles to check on tags and plates for the vehicle due to not receiving them yet and was advised the vehicle was not registered and that Taxes were still owed and had to be paid before I could get the tags and plates. The finance company emailed XXXX XXXX XXXX to advise them of their responsibility to tow and repair this vehicle and for me to call them and make sure I let XXXX XXXX XXXX know that they were sent an email from the finance company. 
I contacted XXXX XXXX XXXX and spoke with Sales rep XXXX and he advised me that he was not going to tow car back and that I will have to get car back to XXXX  and he can have his people repair vehicle at his costs. The rep said that he know or trust any mechanics in XXXX and he can have the repair done for much less than a XXXX XXXX would charge. 
XXXX XXXX XXXX said they will not reimburse me for towing the vehicle back from XXXX. I am at a total loss at this time. I feel that I was completely taken advantage. I am out of a vehicle and Money that I can not get back for being sold a Lemon. 
I called back to the finance company and spoke with different representative that had no compassion, or acknowledgement of the extensive inquiry and conversation I has with the previous representative. She threatened my credit more than once and never acknowledge the complaint I had in process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation