Consumer complaint received 2017-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, XXXX I XXXX XXXX XXXX went in to XXXX XXXX to purchase a vehicle. I strongly suggested to the salesman that at the time all I had for the down payment was {$2000.00} nothing more. I test drove a XXXX XXXX XXXX and like the vehicle then he offered me to drive another XXXX with fewer miles on it. I decided to stick with the car I had chosen previously. I arrived back from the test drive and i was told by the salesman that his Boss wanted me to put down another {$500.00} because he did n't feel as though he got much off of the deal of the car. He asked me could U put another {$500.00} down i told him no that I did n't have it and he said I will give you time to bring it back in he said I will give you 30 days. I told him I was n't sure to have it all by then, he said ok well bring in what you do have. Two days after driving the car I noticed there was a significant smell of oil coming through the vents. I called the dealership back and he advised me that it was because they forgot to put the top cover back on and that it was coming from that and he said bring the car back in so that we can do that. Every time I parked the car I noticed there was a big oil ring on the concrete. I made an appointment with the XXXX dealership and they advised me to take that car back and do not but it. I paid {$100.00} to have tests run on the car insuring that it was worth me buying. XXXX provided me with every thing that was wrong with car with the most major issue was there was a leak in the oil housing and it need to be fixed immediately to prevent engine damage. There was a long list of other things that also needed to be fixed as well. I talked back to the salesman that goes by the name of XXXX and he said I quote " You do not buy a XXXX car from XXXX dealership, and then take it to another XXXX to get it checked out. '' I explained to him that I had every right to do so. I asked them in this moment to please switch me out of the car and put me in another one that was better for my money since they already had the down payment of that car. They told me that I would have to speak to the finance company who is Credit Acceptance. Later that day a representative from the loan company called to do a welcome call. I spoke to her about what was going on and she said that they did n't mind me being switched out of the vehicle. She said to call the dealership and then have them to call their company and they would go from there. I waited a few days and still nothing I began to constantly call and text the salesman and ask him to be switched out. He told me that he could not because the car had been titled already which was not right. The car was not titled until last Friday XXXX XXXX, XXXX. He had told me for 3 weeks that the car had bee titled already and it was n't. I called to Credit Acceptance this morning and was advised that the previous representative that I had spoken to put in the notes that the issues I was dealing with was normal wear and tear of the car and at the time I had only drove the car all of a week when I had learned that there was so many issues with this car. I have spent money on repairs and for items such as oil, antifreeze coolant etc. This car has major issues and there is nothing that this dealership or finance company is willing to help out with. I was told by XXXX there was no way that this car had been inspected right because there was no way it would have passed the NC Emissions tests. The seller of the vehicle was very misleading and once I began to figure his false information out he continued to be very irate and curse and yell at me many times.

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 monetary relief