Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am filing this formal complaint for willful fraud, misrepresentation, concealment of safety defects, unauthorized access to DMV records, and unlawful financing practices against XXXX XXXX XXXX XXXX and Credit Acceptance Corporation. The dealer and lender conspired to induce me into a Retail Installment Sales Contract ( RISC ) without proper disclosure, without my informed consent, and after receiving my cash deposit.

The contract is void for fraud ab initio due to : Lack of full disclosure prior to signing. 
Presentation of altered documents after deposit was paid. 
Concealment of known vehicle defects and open XXXX airbag recall. 
Fraudulent misrepresentation of condition, value, and history. 
Unauthorized third-party DMV account access and payment of civil penalty without my consent. 



2. Detailed Timeline Days Before XX/XX/year> Provided {$1700.00} cash deposit to XXXX XXXX ( dealer ) based on verbal assurance of condition and agreed price of {$8900.00}. No contract or terms shown before payment. 
XX/XX/year> Dealer told me the bank was closing, rushed transaction, stated I would have time to review later and receive a paper copy. Credit Acceptance emailed contract to sign electronically my first time seeing ANY terms ( Exhibit 1 : E-signature time stamp ). Contract amount reflected a higher price than agreed. 
Day 1 After Delivery Discovered severe defects, contacted Credit Acceptance to rescind contract. They stated it doesnt matter if the dealer lied and claimed they have no fraud department. 
Multiple Times After Contacted Credit Acceptance about fraud and defects. Same response. 
XX/XX/year> Dealer, without my consent, accessed my DMV account and paid a civil penalty interfering with my legal matter and curing the loan under false pretenses. DMV should not have allowed access. 
Ongoing Vehicle continues to fail mechanically and electronically. Multiple costly repairs required, including critical safety issues. 



3. Known Concealed Defects ( Documented after purchase ) Open XXXX airbag recall ( XXXX ). 
Faulty front wheel bearings.

Required 4 new tires immediately.

Right side motor mount broken. 
Needed new XXXX box ( XXXX infotainment control unit ). 
Damaged vehicle computer. 
Replaced spark plugs and coil packs. 
Left and right signal lights replaced. 
Trunk leaking damaged seal. 
Complete electrical rework required. 
Dealer repeatedly cleared engine codes using diagnostic tool without making repairs ( Exhibit 2 : XXXX service scan showing multiple cleared codes ). 



4. Lawful Grounds for Voidance Fraudulent Inducement Contract signed without disclosure of terms, after payment, under rushed circumstances.

Failure of Consideration I did not receive the benefit of the bargain ( safe, operable vehicle ).

Violation of UCC Article 2 & FTC Used Car Rule Misrepresentation of merchantability.

Unconscionable Contract Terms Inflated price, undisclosed financing, omission of known defects. 
Unauthorized Access & Agency Misconduct DMV account accessed without my permission.

Fraud Ab Initio Contract void from inception due to intentional deception.

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