Consumer complaint received 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 went to XXXX XXXX  and purchased a XXXX XXXX XXXX from wise auto. I traded my XXXX XXXX, put down {$1500.00} cash, and financed the rest through credit acceptance. I begin to have problems with the car immediately and was in constant contact with XXXX XXXX By XX/XX/XXXX I i had to take the car to a automotive repair shop who they recommended, since I had a warranty purchased from them. The repair shop said it needed a engine. I quickly called XXXX XXXX because I had just purchased the car 30 days ago, and I was paying a car note. XXXX XXXX gave me {$300.00} dollars back but I asked for the full amount plus the price of my truck i traded in. I sent them and credit acceptance a letter on XX/XX/XXXX letting them know I wanted to rescind this transaction, but they have yet to contact me. So this leads me to my letter today to you. 
I have also attached a statement as to what happen with the company they referred me to. 


XXXX of XXXX the car I had just purchased begin to have problems. I took the car to the dealer and they told me to go to platinum automotive. I drove the car to the location and signed and authorization for an estimate and they were aware that i had a warranty. They processed the claim to my warranty company and they came out to look at the vehicle. After they left they decide not to approve saying prior repairs to the engine which i wasn't aware of because i just purchased the car. I tried to get my car from XXXX XXXX  and that's when the made me aware they had already done the repairs. I told them they had no authorization to do the repairs, then they told me the papers i signed authorized the repairs. They wouldn't release the car to me and i made the finance company and dealer aware. They sent a request for a lien and i sent them papers saying they had no right to request a lien. I then sent another letter demanding the vehicles back they illegally said they did repairs on, and illegally repossessed when they were not authorized to do repairs. They then called me and made me aware that they sold the car and there was nothing i could do. The papers they used to file the lien shows i only authorized an estimate so I never agreed to pay them any money, But they took my car and would not give it back. This was the worst experience I've had and i did everything right. I filled a complaint with the security of state in Michigan as well. This is against the law and i'm still expected to pay the note to a car i don't have. Please help me with this situation. 

I submitted complaints with the security of state in Michigan, the XXXX, and the Attorney General against XXXX XXXX, XXXX XXXX and credit acceptance on XX/XX/XXXX on XX/XX/XXXX XXXX XXXX  begin to send me threats by text message. 
They are now saying they know were i live and i need help from the cfpb.

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