Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
b"On XXXX XXXX I purchased a XXXX XXXX XXXX wheel drive pickup it had XXXX mi on it and I bought it through Credit acceptance Credit acceptance told me to go to their preferred dealer which I did when I went and bought the vehicle they know they they bring the vehicle to me I drove the vehicle I explained to them that I was having problems you know what it had a little little Miss in it and the air wasn't getting this cold as it should be you know and he was like well I have my mechanic look at it but do you like the vehicle and you know that I said yeah I like it what he said well I can put a warranty on it so you know this that and third so the warranty was like XXXX so I was like well okay well put a warranty on that'd be fine so I went with the warranty the gap insurance and all that which raised my payments from XXXX a month XXXX a month with I thought that would be a good investment well to make a long story short two days later when I was driving a vehicle I noticed that the engine light cut on right so I said I need to get the car scanned so when I went got the car stick on the way getting the status start running hot h you know and and stuff like and it starts skipping running skipping so I was like I called him I said man I'm having these problems you know he said did you check the fluids and they told me something to buy a fuel additive to put in the fuel I did that I checked the floor I ran the scan to scan to came back that it was a pressure switch gone bad and this that and third so I said okay so when can you your mechanic look at it he told me he said he had a death in the family it's going to be at least a couple weeks but I said well I'm going to bring it by your shop cuz he had to put some fender Wells on my car so I brought it by the shop he put the fender Wells on and he checked and he put antifreeze or whatever into the system checked it he said well just bring it back in about a week or so you know and I'll be able to help you well I'll try to bring it back he wasn't there so I said look man I said when you get somebody to look at the truck cuz it's starting to run hot and make noises he says well he says well I got to put the claim in he said you can go to any shop you want and I was like I shouldn't have to go to that shop I won't I'm not going to pay for diagnostic and all that when I just bought the truck you know I mean that's that's crazy so then he says well okay he says no problem he says I'll take it to my dealer I mean my mechanic so I say cool no problem with that you know what I mean so he said I'll call you with the mechanic the next day so he calls me so I'll he tells me that on the XXXX was the XXXX XXXX XXXX he says go to auto repair Plus in XXXX is on XXXX XXXX XXXX XXXX so I said okay cool so I go to auto repair plus so I'm there for a while he takes the truck to the back he comes to the front he says you with XXXX XXXX XXXX I said yeah I said yeah he said okay he says how long have you had the truck I said well XXXX XXXX XXXX you know stated that he had a mechanic that can fix anything and that the warranty covered they said well how long you had I said I just bought it so he goes over what's wrong with it he tells me well he needs a timing chain needs to be replaced and he says he needs an AC condenser and needs a heater core he needs a I said hold on a minute and I said it condenser heater core I said I mean I just bought the car and then turn back around and he's a timing chain so make a long story short it's like XXXX that's with bear that's what not using the way in parts and not putting in new parts that's you know basically you know bare Bones price XXXX so I was like wow you know they including the fluids they ain't including you know the rental car I'm at half so I said well let me let me check and see I took it to the dealer and the dealer his his warranty was 2 years unlimited mileage is called XXXX to fix it and it'll take like 2 weeks for him to do it and I have to get a rental car for 2 weeks so I come to conclusion that it's not financially stable for me to do that because the truck isn't worth over XXXX wholesale and it needs over XXXX worth of work so I explained to him that it's basically mechanically total now they tell me at Credit acceptance when I call them with the information that they have to wait for the the warrant to come to deny the claim so so he said I'll put the claim in so the dealer put the claim in so when the dealer put the claim in I thought he put it in two weeks ago but he didn't come to find out he didn't put it in so now all of a sudden he'd been lying to me saying he had a claim man but he didn't finally he puts the claim in the claims adjuster from from the winds claims wins warranty company looks at it ask me a couple questions about you know what happened this then the third I explained to him you know why I just bought the truck and I explained to him that you know what was going on with the truck when they when they finish the investigations they come to find out that the truck had prior damage before it got to me because it had to be proud because the kind of stuff that was going down or wearable parts they don't just break down it's wear and tear so now I'm saying well define it wouldn't want to come they said basically that is mechanically total and they're not going to do it so what are we going to do so they put me on the runaround they say I got to wait for the regional manager and this day in the third they don't know about the FTC old holder rule which is on their front page and it's a bunch of running around make a long story short it is that I'm on the hook for 9,800 loan well I'm sorry they took off I cancel the warranty when I found out that warranty wasn't any good so minus the warranty I'm on for about XXXX alone and I don't feel as though that's right and the name of the dealer is XXXX out on sales that's the XXXX XXXX and their address is XXXX XXXX XXXX XXXX and is XXXX XXXX XXXX XXXX and the phone number is XXXX and basically the car the truck is is financially total because it cost more to fix it then it's worth and I feel as though that that's fraud and for someone to know that and sell that that's fraud now I can't contact him I got I got everything on my phone he text me but you know I can't call him he won't answer the phone he goes with me he even get his mechanic even don't know when he can get his money back for the truck he's calling me so it's a whole bunch of stuff going on and I want I need to put a complaining against that in this state and my name is XXXX XXXX XXXX XXXX And I live in XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX and I'm putting the complaint in again Credit acceptance and my account number with them is XXXX XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I talked to the escalations department I've been talking there for the last 2 weeks I've been giving the runaround I haven't received no vehicle I'm a single parent I got to take my son to the doctor's appointments can't make them I've missed five days of work because of this and I want my money back I want my down payment back I want my money I put from my lost wages I also want my money back from the car insurance and I want something stating that I don't have the car so I won't be charged any taxes I would appreciate your help in doing this and thank you so much sincerely yours to whom it may concern and my name is XXXX XXXX XXXX and if you have any questions call me at XXXX or text or use or my email address is XXXX XXXX XXXX thank you so much bye-bye"

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