Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX RE : COMPLAINT TO THE OFFICIAL OF THIS DEPARTMENT, On XX/XX/XXXX I was approved for financing for a XXXX XXXX XXXX, with XXXX miles VIN # XXXX, at XXXX XXXX car dealership in XXXX, IL. At that time of purchased several transactions was made with legal bonding contracts between myself a co-signer ( XXXX XXXX ) and XXXX XXXX dealership. There was a down payment of {$3100.00} in cash to XXXX XXXX dealership with an additional credit transactions totaling to {$1500.00} from several accounts. 
What was told to me and my cosigner ( XXXX XXXX ) by the sales representative ( XXXX ) was the {$3100.00} goes towards the car, and an extended warranty was purchased by XXXX XXXX XXXX, Which was {$1000.00}, the sales representative required that I have full coverage on the vehicle before leaving the dealership lot. I agree to purchase an insurance package that was offered from XXXX XXXX dealership in the amount of {$380.00}, and a city of XXXX window sticker for the amount of {$110.00}. 
65 days after purchasing the vehicle, I get citated for not having a city of XXXX window sticker, in the amount of {$200.00}. The next morning of XX/XX/XXXX I departed a residence to find that my car was not where I parked the previous night free of any tow zone. I called the town of XXXX Police Department and filed an official police report ( Report in attachments ). I contacted my finance company immediately after, they wasn't aware of any notice and my account was current ( Finance account in attachments ). The next steps I took was to call my insurance company ( proof of insurance in attachments ), They notified me that my insurance claim was invalid and that there was no such policy number on file. There was no consent from my finance company nor myself Nor of that of my cosigner ( XXXX XXXX ) to have the vehicle remove from my possession. I've tried Reaching out several times to XXXX XXXX  dealership and requested to speak to the owner but he was never available. 
In addition XXXX police officer XXXX star # XXXX, inform me that the license plate doesn't register to my name but the car 's vin number comes back to me as an owner. 
The Consumer Protection Act prohibits The use of any deception, fraud, false, pretense, or promises concealments, suppression, or omission of any fact that is material to a business dealing or transaction. I feel as if though my consumer rights has been violated and I seek to have a fair and reasonable solution to this common problem. So I'm making a claim to this office in good faith that you help make things right. Enclose is a list of attachments : Visual copy of vehicles make and model Photocopy of the registration that was issued by XXXX XXXX dealership Photocopy of finance agreement by XXXX XXXX dealership from third party financing credit acceptance Photocopy for proof of funds and transactions made to XXXX XXXX dealership Photocopy of police report an officer star number Photocopy of insurance issued by XXXX XXXX dealership Photocopy of advertisement Photocopies of payments made to the finance company Compensation The form of Relief that I wish to seek is that to which is owed. Below you will find a breakdown of expenses that was charged to this transaction. 
{$3100.00} was the down payment for the vehicle {$340.00} documents fees {$310.00} fees for cost of title & registration {$1000.00} for XXXX XXXX XXXX {$380.00} paid for XXXX XXXX {$110.00} was paid for city of XXXX sticker {$990.00} made payments to finance company Along with refunds of payments owed my credit and the credit of my cosigner ( XXXX XXXX ) Shall be free and clear of any debt pertaining to this transaction. The terms of this relief is nonnegotiable, if said terms Can't be met I would request For the full coverage of XXXX XXXX dealership surety bond issued in the state of Illinois. 
I look forward to your reply and resolution to my problem and will be awaiting to hear back with further instructions. 

Sincerely, XXXX XXXX XXXX Attachments Enclosed

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