Consumer complaint received 2018-04-25
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
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:
See below email to Credit Acceptance reguarding conversation on a recorded line. New issues disclosed. 


-- -- -- Original message -- -- -- From : XXXX XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : Loan Dispute ; Cc : Subject : XXXX, As per our conversation dispute continues. 
Issues1 ) Dealer buyers guide not disclosed nor was a AS IS. Definition of UNSAFE is not the same as AS IS. Addtionally carguns advertisment reflective of same. No buyers guide on cube or AS IS displayed on advertisement of car. Dont see any on other cars on lot as well. Dealer clearly demontrates that this is is standard way of frauding consumers with his own pictures and advertisements. 


2 ) Prior unsafe issues known at time of sale. See pictures of bent rim on dealers advertisement on cargun and lack of any buyer guide?? Bent rim is the reason for the bearing failure per XXXX. As well as the spare tire casing and front tire steal. However, despite you having diagnostics and a call to XXXX you are telling me is WEAR AND TEAR?? 

3 ) Car value was extremly inflated and that if I were to give back car you would hold me responsible for not being able to sell car at the value sold to me Especially with the known repairs needed at time of sale and knowinly inflating the value in good condtiin let alone poor condition. Do you have the Auction Sale information on issues? Rental Companies information and accident claim? 

3 ) My credit report reflects YO, YO of what I owe since XX/XX/XXXX and today you decided to refund me full amount of warranty instead of charging me pro rated amount? Last week you argued with me I am responsible for it than increased my credit amount owed on my credit report. I have my report on PDF each month and pictures you have are screen shots of XXXX XXXX. You advised not to send youll pull yourself what you reported. You also stated you dont see 3 payments by me? Is saying I made a payment the way you decrease and increased my balances???????? 

4 ) Dealer email and warranty phamplet I have that says this is my contract provisions is not? I have nothing but phamplet. Also dealer had me on camera of what I got and didnt get. What was explained and not explained. You signed? Check out the recordings of the webcam recording he does at signing. He has tgem since all your signatures are also recorded. 

5 ) Only condition of car surrender would be full forgiveness of loan. 

6 ) I can email you ( Unsecure ) but you cant email me back because its unsecure? A new complaint to follow and you recorded our conversation on this. That explains you not answeing my emails? Why is it OK that I email you Unsecured? Why give me two email addresses to send information than tell me today is unsecured????? 

Ill file this very email on the above with New complaint. 


Ill also call you on your recorded line that you said ALL calls recorded or we cant talk? I only have that option so be it recordings Ive already had to stop driving so far to work in excess of 1,000 miles per week that week and drop some clients. Now you want me to surrender the car being hit up with the disrepaired already overl inflated price value difference???? 



Bankruptcy is inevidable with your company!!!! Makes one wounder about your dealer university what is being taught. Also the shared profit on interest? Contracts tailored by state ( Yours would Prohibit ) Your MO seems to blame the uneducated consumer To Bad So Sad you should have done your homework? 

Here is link to advertisement from dealer prior to sale with pictures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Downloaded THANKS XXXX XXXX Powered by XXXX XXXX

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