Consumer complaint received 2023-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
I was looking to get transportation and decided to finance being preapproved by XXXX XXXX after being pre-approved I went on to look for a vehicle I decided to go to a dealership close to where I work as I see the cars in the lot every day. 
I purchased a car from XXXX XXXX XXXX  in XXXX NY XX/XX/XXXX with a down payment of {$550.00} as I was preapproved by XXXX when I came to pick up the vehicle I was told they went with Credit acceptance as the financing company because they offer a warranty and XXXX won't answer the calls for approval the dealer had already registered the vehicle with NY XXXX XX/XX/XXXX I notified the dealership of electrical issues I noticed and was denied the ability to return or trade in the vehicle. 
XX/XX/XXXX the check engine light came on and I visited the dealer he told me that was normal and not to worry about it as I responded this has never happened to me out of all the cars I've owned and it happens to a car I financed is not acceptable, I requested the inspection report and bill of sale instead I was told they cant find my paperwork. 
XX/XX/XXXX as I was driving on the expressway the vehicle stalled and transmission failed XX/XX/XXXX the vehicle was towed to the recommended repair shop by the dealer with no transportation the dealer denied me again to trade the vehicle in or another form of transportation XX/XX/XXXX I was told by the repair shop that the transmission had been leaking oil for a while and would need to be replaced after back and forth with the dealership he agreed to give me a loaner car while having the loaner car the check engine light came on and it had an issue that I had to pay to recharge the battery I called the dealer multiple times and left messages with no answer or response.. 
XX/XX/XXXX I got a call saying the car is repaired and ready for pick up when I picked the car up I noticed the heat wasn't working anymore and everytime I would come to a stop the car would accelerate and decelerate I returned it to repair shop where the owner/ mechanic stated it may be a motor issue or something else I left the car at the repair shop. 
XX/XX/XXXX I received another call from the dealer saying the car is ready to be picked up and everything that was and issue was fixed and replace but instead I had to pick the car up from the dealership and not the repair shop where I left the vehicle when I got in the car to start it up the dealer got in the loaner car and left the car never headed up, the window was still not working and still had acceleration issue I waited over an hour at the dealership waiting for the dealer to return he didn't so I left I called and visited as many times as possible each time I was told the owner isn't there or would be ignored the same day I went to the repair shop and was told nothing was done to the car after being replaced. 
XX/XX/XXXX the check engine light came on again I visited the dealer more and no response from my first financed car resulted in a lot of mental, emotional and financial damage.

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