Consumer complaint received 2019-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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:
On XX/XX/XXXX I contacted my auto loan creditor, Credit Acceptance, in order to have them send the necessary paperwork to the XXXX DMV for new vehicle tags as I had recently moved from XXXX  where I had originally financed the vehicle. 

On XX/XX/XXXX I attempted to register for new plates, after verifying the documents from Credit Acceptance had been sent to the DMV. The staff at the XXXX  DMV notified me that the required documents were in fact, not sent to them. But instead, the Title Department apparently decided a non official document was equivalent - an assertation they maintained throughout all my communications with them until the end of XX/XX/XXXX. I was issued a temporary tag from the XXXX DMV which expired on XX/XX/XXXX. 

Pre-empting the pending expiration of my temporary tag, I contacted Credit Acceptance yet again. The Title department insisted they had sent the correct document, and hesitantly I decided to attempt the XXXX  DMV yet again. The manager on duty at the XXXX DMV showed me the unofficial document which they would not honor, and said there was nothing that would be done until the proper document was received. So on XX/XX/XXXX I contacted Credit Acceptance yet again and received the same excuse " we were never sent the proper document from XXXX, this declaration should work. '' This was now the second time I had requested they obtain the proper document, but this was never acknowledged, nor was it acted upon by Credit Acceptance. 

On XX/XX/XXXX I applied for another temporary tag, and was issued it due to extenuating circumstances. 

On XX/XX/XXXX I contacted the Titles Department at Credit Acceptance and demanded that they obtain a new copy of the Notice of Security Interest Filing. I was told that the request was noted in my file and would be handled by the person assigned to it. 

On XX/XX/XXXX I paid for a copy of my part of the XXXX title ( hoping this also sent a new copy of the Lien Holder 's part to my creditor ). I received my copy within the week, and also inquired with the State of XXXX Department of Motor Vehicles if my transaction also sent new documents to my creditor. They answered within the same day that it did not. 

On XX/XX/XXXX I contacted Credit Acceptance yet again, to verify their progress as I had received no communication from them. I discovered that nothing from my previous request had been recorded or acted upon. I had at this point now been paying for a car I was unable to use for over a month. It was at this time that I informed them I would not make another payment until they fulfilled their legal obligation in this matter, and provided the level of service which credit contract implied. I was assured that, the proper steps would be taken. I requested communication at the time of their receipt for the new Notice of Security Interest Filing from the State of XXXX, as well as a tracking number when they shipped the document to the XXXX  DMV. 

On XX/XX/XXXX I called Credit Acceptance yet when asked the status of the Security fillings document, they still did not have it - although they now claimed that they were waiting for it from XXXX. 

I am now on my second month of paying for a car that I can not use due to either the apathy or ineptitude of the lien holder for my vehicle. In addition to having my access blocked to the property for which I have been paying. I have also been sporadically fined for failure to show current tags on my vehicle by the XXXX Department of Public works. I have now amassed over {$600.00} in fines. Spent over {$100.00} for temporary tags and title copies. I have lost over a dozen hours of work while waiting at the DMV to try to solve an issue that I am currently powerless over.

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