Consumer complaint received 2022-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2022 I received a phone call from XXXX XXXX XXXX stating they had received my application from carguro.com and I had been approved, but not for the vehicle that I selected a XXXX  XXXX XXXX it was not available anymore but they had a XXXX XXXX and XXXX sent me the information I looked at the pictures and I called him back and XXXX stated to me the price he stated that it also came with gap insurance and it also came with a one year XXXX mile warranty for free. I said that I was interested so I went to the Dealership once I got the vehicles was parked in the front of the dealership, I spoke to XXXX he told me that it was going to be {$5000.00} not the {$3000.00} that he originally stated on the phone for a deposit. I pay the money he asked me to sign on the computer a few times Four time at MOST and after everything was done when I got ready to walk out to the truck, he told me that oh the service engine light might come on because it hasnt started in a couple of months but on the pictures it was no lights on the dashboard with lights on. but when I got into the vehicle the light was not on, I drove the vehicle XXXX XXXX miles to the store went to a store like XXXX minutes when I come out of the store, I started up the truck it was very loud and started to shake but the dealership was closed. when I got home it started to smoke so the very next morning, I tried to bring the truck back, I called XXXX answered the phone once I told him the problem, he says that we cant take it back they on or give my money back because the contract is signed so I called credit acceptance and they say that they didnt have a copy of the contract for XXXX hours so I couldnt get a copy of the contract so I called them back and tell them that that they never gave me a copy of the contract I needed one they never called me back when I read the contract I realize that they selected a box on one of the page of the contract that I said I was going pay XXXX for a warranty and also I was going to pay XXXX dollars for gap insurance which neither one of them were told to me they were said they came with the car as a package so I called back and tell them new found news I discovered in the contract and that the car was still messing up and I was told use the warranty so I told him I dont want to use a warranty I just got the truck less XXXX hours ago and also you have to pay {$250.00} deposit and I just bought the car to XXXX hours ago. 

For XXXX weeks while I try to find someone that will take the warranty that they gave me and someone who could take the type of vehicles I have in service it. the shop I did find with the shortest waiting time of XXXX weeks to be seen the truck wont even start up I have to have it towed to shop. once it gets there it takes in like a week and a half to find a problem, they said it needs a new engine the engines are dead so The Shop Calls the warranty company after they take it down the warranty company says they wont do anything until I pay the shop {$3000.00} to take the whole entire engine all the way apart before theyll even approve whether theyll pay for it or not. 
so Ive only had a vehicle for 10 days I paid {$5000.00} and now they wont pay another XXXX for it take the engine down to see if theyll even approve it also they still want me to pay the car note or {$450.00} a month plus Ive been paying over {$1200.00} XXXX paid in rental car since then, {$200.00} tow truck fees, insane XXXX  And XXXX Fees {$300.00} at the same time I still owe the {$16000.00} under the installment agreement. 

Ive reached out to XXXX and XXXX XXXX multiple times everyone said the same thing or it was sold as is and thats it and Im on the hook for that when they sold me a lemon from the beginning, they knew that that wasnt the vehicle that I wanted. when I went back to their website where they sent me the pictures from the first night all the pictures were taken off the website but when I looked at all their old listings, I realized that they had switched the pictures, the pictures they sent me were not the pictures for the truck that Ive gotten they switch the pictures sending me pictures of a truck they had previously had. 

they illegally added to my contract {$4000.00} for the gap insurance and the warranty stating to me that they were free but they really added them into it and also when I called and said to tell the credit acceptance about that they said you can cancel them I read the contract says you can cancel those but the money will go back to {$4000.00} will go back to the credit acceptance not to me so it would take money off my bill and would be sent to credit acceptance that means they will be getting paid twice theyll get paid either way it goes so they get XXXX taken off their bill with a reverse it or they get {$4000.00} Ill have to pay for so theyll give her money regardless of the added into the contract. 
now I have no vehicle Im out of almost {$7000.00} +. XXXX and credit acceptance and XXXX XXXX XXXX all have been colluding and working in cahoots to scam and defraud me, and I want my deposit back I want to be able to get out of the contract with no penalties towards me so Im asking the court to help resolve this matter since we can not come to our own conclusion together I sent a demand letter I sent a resend that letter all certified mail and these are all the reasons why I should be able to get out is fraudulent contracts. 

* XXXX charged me a down payment or {$5000.00} charge which is a violation of 15 US C 1635 : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state

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