Consumer complaint received 2016-08-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX XXXX on XXXX/XXXX/XXXX that was sold as a " Certified Pre-Owned '' from XXXX in XXXX XXXX, CO. The only finance company they said would work with us was Credit Acceptance Corporation with an interest rate of 18.99 % but could refinance it after a year. I do n't have enough space on this page to go into all of the fraudulent and horrible things that have been going on with this company but THEY are corrupt and need to be shut down! I needed a car so we did it. I asked for the XXXX and was told they would give it to me once the finance paperwork came back due to having to update me as a new owner but all Certified cars were XXXX owner, never wrecked, and eligible for an extended service contract. By the time we got the financing done it was about XXXX on a Saturday and was told they would have to wait for XXXX to write it up but they would give me my Buyers Order which shows the contract. During this time they told me that XXXX required I have a starter interruption device installed in the car due to being high risk which i was told could be removed after 1 year of good payments and I agreed to do it. I looked everything over and saw that they had charged me a {$25.00} emission fee and asked why that was on there. I was told it was an error because the vehicle is emission exempt and they would correct it when I came back for my completed finance paperwork because the lender would not put that on there. During this time I got a phone call that XXXX would only finish the loan if I added XXXX insurance and an extended service contract but that I had to sign the form it was my choice. I was told that I can refuse it but then they would not give me the loan and I would lose my {$1500.00} cash down plus mileage on the car so I was left with no choice. When I finally got my finance paperwork they had charged me for the emission test too! I asked why and was told that I had to call XXXX to have them remove it. I contacted XXXX who told me that XXXX put it on the loan so the charge was valid. I told them that it was exempt and asked to speak with their legal department. The amount on my finance paperwork is more than the amount on my Buyers Order but they said it 's legal. 
For over 2 years now I have been fighting the finance company about my loan. I have proof that everything about it is fraudulent including my extended warranty which I canceled and have still not been refunded for. The mileage on the vehicle is not correct according to all of my docs and would speak with " XXXX '' at XXXX who would give me a few days to come up with the proof he demanded or he would close the case. He closed my case about 10 times over the years. I finally sent him EVERYTHING and could not get a hold of him for months at a time and was told he was the ONLY person I could speak with. Once I finally spoke with " XXXX '' he said that he went over everything and there was nothing he could find wrong even though the car does n't show that I am the owner through XXXX or XXXX etc. He told me he was closing the case and if I got the proof that the car was exempt to let him know and he would reopen it. He said its only the dealers fault but they have to check the vehicles they lend for! I went to motor vehicle where it shows it was tested on date of purchase but it was n't so I went to the emissions place to get a XXXX report and the ONLY time it ever had emissions was when I was forced to do it on XXXX/XXXX/XXXX since it showed it in the computer through XXXX.It was reported fraudulently and are charging me for items they can't.I have been calling daily begging them to transfer me to the legal dept to speak with XXXX about this and was told that there 's a note on my file stating they are NOT aloud to transfer me to the legal dept since he closed it! I still faxed the proof with a letter but no return call. I have EVERY conversation on recording as proof too!

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