Consumer complaint received 2017-09-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
First and foremost, Credit Acceptance has had my loan since I bought a XXXX XXXX XXXX with over 100,000 miles on it. I traded in a car my sister gave me and received a set amount from XXXX XXXX XXXX in XXXX, N.Y.  The trade in was the down payment and after the approval I was shocked to find a much higher price for the car at a higher rate than agreed to at the time of sale. My interest rate was never discussed until the very last minute and the signing process went too fast to properly go through the monthly fees.The payment came to {$390.00} per month. The sale price was {$13000.00}. They brought the total up to {$22000.00}, which is the price paid by XX/XX/XXXX.I had assistance with the car payments from several veteran organizations over the past 10 months since I was in/out of the hospital 4 times having a XXXX XXXX on my XXXX XXXX, XXXX to my XXXX & XXXX XXXX XXXX. I went back to work after each procedure to earn money to stay alive. The veteran 's  groups helped me to get caught up and on a recorded line, the rep for CA said that I was current.The last help coming from the XXXX XXXX XXXX XXXX in XXXX, XXXX and the XXXX Unmet Needs program in XXXX, XXXX. I was still one month behind every month, no matter what I paid. I know that as a XXXX XXXX by trade, that I am allowed to record the phone call as long as the other parties were advised about the recording. The XXXX was on a recorded line with the rep for CA since they routinely record transactions made on behalf of veterans. I have a recording system in place for all business and I state that for every call that I record. Needless to say, the car was still behind and I landed a XXXX job as an XXXX XXXX for a large XXXX company. The man who brought me on XXXX, was called after CA cut me off again and demanded {$220.00} or they would not send me a signal to bypass the interruption device. He made a payment on my behalf to help me stay active. There were numerous interruptions by CA even after we made arrangements to make payments on a week to week basis. I tried to let them know if there was an issue with my pay, but they kept turning off the car. I am a XXXX and was being paid bi-weekly until I got to work for the company, who pays weekly. The problem with that is if I complete an inspection on a Monday and it is not reviewed that day or next, the job goes on the following weeks pay. The cut off for work is Wednesday, but the reviewers drag their XXXX and I do not see a full check until I have a good amount of work completed. I do get XXXX per mile for travel and submit my travel before Wednesday for all jobs that I schedule. The hurricane created a problem with communicating with the regional manager, the man who is in charge of assigning work and travel money. Much of the blame is on the weather, but I have not gotten a single response to my messages or email in 10 days. I was up against the wall on this and no matter how tough the situation is, CA does not care at all. They refuse to help and their actions result in people 's lives being altered due to lack of transportation. 
Their blatant refusal to work with people that are their core customer base is unheard of in this economy. On one hand, they give anyone financing, on the other, they add {$9000.00} to the cost of a relatively poor performing vehicle, knowing it will not last the term of the loan. They repo as many cars as they finance. How they lasted 45 years without being sanctioned by the government is beyond me. The courts in every state are filling up with lawsuits, not to mention that in my case, they are obstructing governmental administration and they are going to be sued by me. I am trying to re-finance my loan today and get away from them, the same as I did 10 years ago when I had the misfortune of having them as my lender. The car dealers will end up in the suit as well, but the U.S Govt really needs to do something about their predatory lending practices. The BBB gave them XXXX of a star and rates them lowest on their list of companies. I am thoroughly disgusted with the XXXX way the customer service pinheads act towards people in crisis mode. Normally I never wish harm to anyone, but I do hope these people go through the pain I went through. Nothing good will ever come from doing business with them. I will seek to make them suffer like so many out here. If the CEO or owners of the company were drowning, I would throw boulders at them to watch them go down like so many customers. No help is in site. No hope for a resolution. Only pain in the horizon. Keep praying for justice people.

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