Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Was not promised the original contract that I signed. I was held against my rights the whole time I was there and told XXXX XXXX in XXXX, XXXX, that I had just moved to XXXX  from XXXX  and was in between jobs during that time. I was dealing with this car salesman named XXXX and another car salesmen name XXXX. I feel like I was pushed and rushed out the door. My voice was not heard to explain my situation after had I nearly lost everything during COVID. When they seen the kind of money I was putting down on this XXXX XXXX, they immediately wanted me to sign a contract. I had asked several of times for the XXXX and they both ignored me by quickly changing the subject. There was some front end damage that made a sound that vibrated steering wheel coming from the axle while driving the vehicle. After buying the car I ended up taking the vehicle to a professional XXXX dealership in XXXX XXXX XXXX  to have an estimate on the damages. Explains why they did not want to disclose with me in the beginning If the car had been in a wreck. 
I have attached those documents as well.. This dealership put me in a financial bind, eventually in the long run. When I already was in a financial hardship having to leave my home, and move out of XXXX. After almost a month of having the vehicle in my possession, they called me back stating that I provide more information about my employment and would not give me a clear explanation as to why that other company had to drop me. 
I then told XXXX that I wanted to give back the car and have my XXXX XXXX XXXX returned back to me and also get my money back for down payment on the XXXX. So I went in the following day. They had written up a paper statement that wasnt in the contract of anything stating that i would be charged a large amount for asking for a return of payment for putting money down for the vehicle. Thats when I knew I was going to be stuck with the vehicle because they would not allow me to leave in the car that I traded in and told me that they would not return my down payment. This car dealership lied to me and did not help me in anyway shape or form. I did not know what else to do or who to contact of this unethical behavior and I assume theyve been doing this for quite some time to customers trying to find a reliable car. I was so mad that I ended up signing a different contract that I did not even want to get into and felt like I was forced into something I did not even want to do and they threatened me with legal action and reversed this situation that I was doing something illegal. The payments ended up being almost {$200.00} more than what I had negotiated with them in the beginning. I have attached those documents as well. I had made every payment on time since I had bought that vehicle on XX/XX/XXXX all the way up until XX/XX/XXXX. I eventually had to voluntary give it back to Credit Acceptance because I had an unexpected event of having a baby and I am single mother, raising my child on my own. I wouldve been able to keep the vehicle if it was negotiated at the original monthly payments like I was promised that I had signed. 
I am now without a vehicle to drive because of this experience. This has made my transportation put in jeopardy and I do not have a reliable car now for me and my child. When I thought in the beginning, they were only trying to help me and were willing to work with me. That wasnt the case at all