Consumer complaint received 2015-06-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX XXXX, 2015 early morning about XXXX or XXXX My vehicle was repossed by my loan company CREDIT ACCEPTANCE. I called on that same day and was advised by XXXX of their representatives that my car was take by XXXX XXXX. I did advise the representative that I would recover my car on Friday XXXX XXXX, 2015. She gave me the balance and said she would note the system as such. The representative never told me that I had to contact XXXX XXXX to get my belongings. Nor did your company advise that there would be a fee to recover my belongings. Yet another inconvience and more money out of my pocket. Why would the company have the car cleaned out that was going to be redeemed the next week. I feel that you should have at least a week to redeem your car back before further actions are taken. Credit Acceptance actions and protocals are all wrong. I feel that they dont want consumers to redeem their vehicles if so they would not have to go thru such drastic measures. On Friday XXXX XXXX XXXX week later I called Credit Acceptance office to make payment. I have never felt so mislead in all my life. None of their representatives were helpful nor friendly. I was first told to pay the money and my car would be released the same day. That was a lie. I then paid the money thinking that XXXX XXXX still had my car. When I called them they advised that they only removed my belongings from the car and my car was taken somewhere else. I understand that Credit Acceptance does not want comsumer trying to redeem their vehchiles from their auction yards however this situation could have been better taken care. It is very poor communicaiton on theirr behalf to me as the consumer. Creidt Acceptance says to be best company to work for but you are treating your consumers second hand. I felt that my entire Friday was a run around. When I finally got in contact with XXXX to redeem my car she told me I needed to schedule an appoitment which they were all booked on Friday yet another inconvience. They are not open the weekends. So I had to scheduele my appointment for Monday XXXX XXXX, 2015. Not to mentionthat this place was XXXX mins from where I live. Yet another inconvience. When I arrive to get my car I went to do an inspection on it and there was several things wrong with it my front bottom bumper is damaged assuming from the pull to the tow truck the front corner panel driver side was damaged as well. When I called Credit Acceptance to make an complaint about my car I was told that I would have to contact SRS Recovery. And that they were not responsible then whom is. Yet anohter inconvience. When I called the EXTREAMLY RUDE COMPANY SRS RECOVERY they advised me that the contract with CREDIT ACCEPTANCE states that they are not responsible for any damages done to the car while being repossed. How is that fair to me as the consumer? When I CREDIT ACCEPTANCE back the representative yet again said I had to called XXXX XXXX. Now CREDIT ACCEPTANCE nor XXXX XXXX wants to take responsibility for the damages done to my car. All CREDIT ACCEPTANCE wants is payments on the car not concerned about the consumer at all. I am very upset with this entire encounter of me redeeming my car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation