Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
The seller of my vehicle misrepresented or fraudulently sold me a vehicle knowing he had repossession of all vehicles back in XXXX of XXXX and I bought the car in XXXX XXXX credit acceptance was supposed to do an audit on the dealer if they wouldve done an accurate dealer Audit they wouldve known he has tax warrant and was to get all of his cars repossessed by XXXX XXXX  and more than likely did a improper inspection on the window take of the Wisconsin buyers. There is a whole investigation with the DMV for XXXX XXXX XXXX Of owner XXXX XXXX XXXX XXXX I have {$13000.00} worth of stuff that needs to be fixed on my vehicle, including the air conditioning that apparently fixed before the car was bought my exhaust/muffler that you apparently fixed in across the street to get fixed but nobody has any knowledge of my vehicle also claim my warranty for a radiator that I have no knowledge of and stated that I said my car was overheating and leaking fluid, which never was never brought that to his attention. So fraudulently claimed my warranty company. Also crash report XX/XX/XXXX in my vehicle and my vehicles aint getting service by XXXX XXXX and a claim for a radiator was put on XX/XX/XXXX when the accident was never had any knowledge of that until after the warranty company told me there was a claim for a radiator so then I started investigating myself. I brought all this to Credit Acceptance attention. They told me in their system that XXXX XXXX still a business which technically it is out of business. There is no XXXX XXXX no more and they really arent trying to do anything like they tried to do investigations in the past and then told me as well theres nothing to investigate so were closing the investigation open investigation XX/XX/XXXX once again so hoping I get something out of that but then wan na come at me about making a payment when I came out of pocket {$4000.00} for a rental car when my car was in getting looked at in service about all the issues that are wrong and after paying all that clearly dont have the money to make the payment and they know that credit acceptance and they are not willing to do anything about the situation that is going on so I would like for all the negative remark to go away for them to actually work with me because its unethical in bad faith for them not to help me out when they are the lender my car loan they act as if they cant do anything about it, but if they wouldve followed through and done what they were supposed to in the beginning, they never wouldve made an offer to XXXX XXXX for the loan if they did a proper investigation with the audit all of this knowledge is public knowledge so Im sure they can see way more than the public eye. And they are no help whatsoever. They basically tell me Im wrong and I need to make my payment like I understand that but they as a loan company should be understanding about the dealer and help me or work with me to figure out the problem, so then I cant pay the payment Because Ive literally put out so much money and they dont care. They just want their money to charge me interest fee and more like my loan is still basically the same amount. It was back in XX/XX/XXXX when I bought it nothing really changed except for like a couple hundred dollars, but thats about it so I feel like Ill be stuck in this phone for forever. And is also ruining the other person on the loan credit to XXXX XXXX senior please help get out. My credit is terrible, which is unfair when I originally made this known to them of what was going on, but nobody wants to listen to me about it at Credit Acceptance.

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