Consumer complaint received 2018-05-29
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XX/XX/XXXX we went to XXXX XXXX XXXX in XXXX Va to get a reliable used vehicle for our extended family since I was XXXX. The tire pressure light was on, a weird smell was in the car that we assumed at the time was a new car smell when the car is on u can smell a burnt residue from oil or something under the hood. By Thursday XX/XX/XXXX check engine light comes on. Cars rpm goes close to red which is over 4 by only driving 30 mph. And continuously increases as gas pedal is applied. Ran self diagnosis shift solenoid a stuck on ( permanent ) code p0752. Transmission control system ( malfunction indicator lamp request ) pending. Code p0700. Cylinder 1 misfire detected pending. Code p0301. Dealer takes car back until XX/XX/XXXX.  Their resolution was to change spark plugs and coil pack which they denied receiving any solenoid or transmission codes and I have pictures of the codes. So they allegedly replaced the coil pack and plugs did not give a work order when requested. By Tuesday XX/XX/XXXX we got the car back the night of the XX/XX/XXXX because my husband works. Check engine light came back on immediately after driving the car to work 30 miles on the XX/XX/XXXX. Emailed XXXX XXXX XXXX and did a self diagnosis check again. Code p0420 catalyst system efficiency below bank 1 threshold. Current history mil. And code p0989 : transmission fluid pressure sensor switch e circuit low history. Car performance was the same as before. I was scared to have my kids in the car that was supposed to be our relief car. Rpm continues to shoot to red and this time car wo n't drive steadily or efficiently. Dealer determines catalyc converter is the solution and decides to replace it. During this time period I had a XXXX at XXXX XXXX of my XXXX XXXX from a XXXX XXXX. And I had no time to be emotional just to worry about this car. And Again no work order for the to give car is returned to us on XX/XX/XXXX, 16 days later. Upon getting the car back the front right headlight is out. Oil service light was on it was yellow with a wrench warning light instead of the normal red oil warning light. When my husband started the vehicle the front hood was smoking and smelled like burning residue. They offered a complimentary oil change and to replace headlight. On the XX/XX/XXXX my husband and I took the car to XXXX on a weekend marriage retreat so the car was parked the whole time at the hotel. Everything appeared to be running well. By XX/XX/XXXX the check engine light is back on gas light is on tire pressure light still on oil service light so multiple service lights on. Rpm shooting to red again car will not travel more than 45 mph and rpm steadily increases as gas is applied. As of XX/XX/XXXX we had the car a total of 11 days out of 31 days. So on the 12th day the same problem still existed. Took it to our mechanic before calling XXXX XXXX XXXX and he states exhaust problems and transmission solenoid. Called XXXX XXXX   to take the car back they refused. I said I would call the finance company which is credit acceptance corp and he calls back immediately telling me they will cancel the extended warranty that is on our vehicle if we call them and nothing will get fixed and since it was past 30 days that they couldnt help. I explained to XXXX from XXXX XXXX we have only had the car for 12 days and he said it didnt matter but scheduled us to come meet him at XXXX XXXX XXXX at XXXX XXXX on the XX/XX/XXXX. He arrived at XXXX and sent us to XXXX XXXX in XXXX va to get the solenoid fixed. They have known it was the solenoid since week 1, but they pay the XXXX dollar deductible since the extended warranty had just kicked in and gave a loaner. Car was ready on XX/XX/XXXX. Requested paperwork from XXXX XXXX   and they couldn't give us a work order either I dont understand why but they did inform us when they went to the XXXX dealership to plug up before fixing thr solenoid that the car had prior transmission problems which was not in our XXXX. Took car back Friday evening it was rough coming home and it was hissing. Called XXXX XXXX they sent us back to XXXXXXXX XXXX in XXXX and we deternined the hiss to be low power steering fluid and the roughness of the car was the transmission readjusting since they had to reset the computers. We went home. On XX/XX/XXXX I went to XXXX XXXX for the complimentary oil change we were promised and XXXX was not there XXXX his financial associate sent me to XXXX XXXX   which they are affiliated to get it done. They didn't notice a leak or anything to my knowledge on that day. I started to notice oil blotches underneath where we park our car. Wednesday XX/XX/XXXX when my husband was off I decided to check all of the fluids and the oil dipstick was dry. So just 5 days after the oil change I took the car to XXXX to see what was wrong. They give me a paper saying oil leak. Front crank seal oil pan gasket and timing cover needed to be looked into. Idk how that happens in a 5 day period unnoticed but again the dealership works with XXXX they also do all of their inspections. So I call XXXX XXXX and they tell me its covered in my extended warranty and I told them I read that it was not. XXXX still insisted that it was. So I call XXXX XXXX in XXXX and he tells me it is not covered but of common courtesy he would check it out for me and he verified what XXXX had told me about the front crank seal tried to call XXXX XXXX back and XXXX never returned our call. So I made a XXXX review of every problem I have had and am currently going through on XX/XX/XXXX. XXXX calls me telling me that I'm a liar none of this ever happened and that my husband and I are both very bad people and kept on at me. And after everything I have been through within the last month I hung up that is not what I need to hear from anyone. My husbamd contacted the attorney general about this problem on XX/XX/XXXX. And the problems keep arising. Our other car does not run very well so I monitored the oil to take this same car to work didn't make it a mile from my house on Saturday XX/XX/XXXX at XXXXXXXX XXXX and all of the warning lights in the car flashed on and off and beeped 3 times like my car was about to shut down. I turned around took it home and I am scared to drive it. I was planning on fixing the crank seal this week but now I don't know what this new problem is so I have to put the money in my old car just so my husband and I can get to and from work. We are now paying for a car that we can not drive and even if the warranty would be eliminated after calling the credit acceptance corp it makes no difference at this point. It was a holiday weekend so my husband is planning on calling them today and hoping for the best. All we seem to get is bad news.

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