Consumer complaint received 2023-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I purchased a used vehicle on XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX XXXXXXXX, De XXXX ( XXXX ) XXXX. The sale price was {$8900.00}, with a warranty. Approximately two weeks after purchase, the vehicle started smoking. I notified XXXX XXXX, the saleswoman, who stated she would send a mechanic out to check it out. The person she said was the mechanic came out, checked the vehicle and stated the smoke that I noticed was condensation and to continue driving and it will stop. I Drove the vehicle for approximately a week, the smoking had worsened, the check engine light came on, and it started hesitating. Tried several times to contact the saleswoman. when she finally called me back, she gave me contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Called XXXX and was told it was close to the holiday and they were backed up and would not be able to check it out for a few weeks. I took the vehicle to the shop so that it would be there when they can check it. The mechanic contacted me and told me that I was sold a vehicle with a bad engine. I tried contacting XXXX several times. She finally texted me back with a message to call XXXX @ ( XXXX ) XXXX. I called XXXX XXXX XXXX XXXX XXXX and told him what the mechanic told me. I told him they sold me a vehicle with a bad engine and he stated that is why she is no longer employed there. I asked if they would repair it and he stated they will not that's why they push the warranty to their customers. I did not agree with that and asked if they can contact the lender, Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX to cancel the contract, This was in XX/XX/XXXX. He refused and stated I have to use my warranty to have it repaired. I contacted Credit Acceptance and they reviewed it and stated they can't cancel because it was over thirty days but it wanted to turn the vehicle in and that it would be a repossession. 

I called the auto shop and gave permission for them to send a diagnosis and to file a claim with the warranty company, XXXX XXXX XXXX ( XXXX XXXX, XXXX # XXXX. This was back in XX/XX/XXXX. In XXXX I Called the Warranty Company to check the status and they informed me that they requested the auto shop to break the engine down further and send them the report. I called XXXX XXXX and he stated there is no need to break further down, the engine is bad and needs to be replaced. The auto shop and warranty company have been going back and forth since then. In XXXX, I retained an Attorney through XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, De XXXX, XXXX @ ( XXXX ) XXXX. He has been sending emails with no response and I have been calling XXXX at the auto shop, who they state is in charge of filing claims, with no response. 

I do not think it's right for me to continue making payments on a vehicle that I only drove for less than and have it being in the shop for almost four months. I've tried to cancel the contract because I did report the problem with the dealer but they took so long to get back to me. Also, the fact that XXXXDealership admitted that XXXX was let go because of things she was doing that they were not aware of seems that they should have been responsible. He even went as far to tell me that they were going to stop using this warranty Company because they have done this to other customers. 

Please let me know if there are any other steps that I can take. 

Thank You, XXXX XXXX ( 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