Consumer complaint received 2015-12-16
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a vehicle XX/XX/XXXX, reason : Old car was totaled which I myself was not at fault. So Knowing im not a people person due to personal issues. I purchased a car from a local dealer. Being a very busy single mom working and in vital need of transportation for myson to a collage prep XXXX school, and most importantly work means I needed a car fast. Went to a dealer I had done business with and trusted he was honest. Boy was I wrong!,!,! First he made an appointment to have me stop by and pick or look at some vehicles. I did they were mostly over priced. And not to clean. Simply not worth what I was willing to put down for a safe decent car with a lower payment and maybe a bit bigger since my children are still growing. I did find a car and was promised he would give me a great deal and {$4000.00} would be sufficient in addition to another {$300.00} which needed to be received by dealer right away. As promised I did all that was asked of me. I even felt with dealing with just men which kinda made me feel like prey. But I got over that and started to stress the lengthy issue and picking my son up on time. Well Later after my purchase I had some kinda issue with the car and could n't figure it found out from advance auto that there 's was a device in my car that would shut the car off if I was extremely late and avoiding them but I did one of that. I had direct payment. Also the first week my boss and auto body noticed small sounds and the drivers seatbelt work sometimes with great effort. In addition to that the sunroof started to have issues and one day I stopped at the dealership asked for or someone to look at the issue, and to my surprise a hooka pen. I do n't smoke XXXX. It cracked the plastic casing and the dealer had someone close it due to winter arriving and the peace that fell off should have been replaced. I started to make complaints regarding these issues .but nothing was done. Also it took a while but I did end up finding the lean holder and thinking that they were true to their mission statement I started to explain what was going on and the amount loaned was too much then my down payment seem to be something that would haunt me in this future. I explained that the car was having issues and also that I was extremely happy to find out who my Leander was because no one explained a thing to me. They did n't even know the small suv had an automatic starter till I expressed to XXXX XXXX. I was also very expressive regarding the machine in the car which could cause all types of strenuous issues especially for a person such as myself. Well long story short I 'm in XXXX and will on a journey to assist the fraud this company has done, The injustice done by signing binding contracts as if they were me .they took my car with my grandmothers vintage rosary and an old wedding bad hanging from my mirror and they also took my emergency kit. And last but not least the work I had done to my vehicle to fix the ball joints, have a new batterie installed fix major work to the AIr conditioner which leaked till I became frustrated and took this vehicle off the road. It seem like a great blessing when someone very close to my family. Notice the wrong that was taking place and how I was paying for a car I 'd driven for about five months. Being bought XX/XX/XXXX and taken off the road XX/XX/XXXX then in the shop being semi repaired due to my budget. But finally the car gets towed home I start to clear the fraud and misinturpitated information that has been used by insurance companies to deny me any insurance. Causing me to depend on fixing the van offered to me while I handle the situation with the XXXX Lincolm mix that I believe has been paid with the work I 've invested also cleaning it after the first day owning there was a devise installed without my permission. Now I 'm looking at contracts with my name signed? confused need help