Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I leased a used car from CREDIT ACCEPTANCE through XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PAID XXXX at the car lot to pay it down so i can own it in a few months!!! ... It was for a used XXXX XXXX XXXX XXXX miles, Im noticing im paying my carnote but the balance remained the same for a very long time!!! !.... I kept asking what was going on and they made it like it was me..... IM CONSTANTLY MAKING PAYMENTS and they kept taking this car from me for yrssss!!! THEY FOUND A VULNERABLE XXXX AMERICAN FEMALE LOOKING FOR A RELIABLE CAR.... Now Im Starting to fail in everything else financially because not only am I paying for this car but Im as also paying Rent {$1100.00} and bills, I have XXXX kids, repossession fees and travel expenses to get to other cities to recover the car, plus damage done to the car from being quick and sneakily towed from watever spot they pick the car up from!!!!! ... Including damages of {$1300.00} for hoses and {$1700.00} for the turbo sensor that went out, it needed brakes, tires, oil change, fluids, it had electrical damages, neither windows let down but one in the back and {$600.00} because the car had no heat and air once the warranty expired!!! AS SOON AS THE WARRANTY EXPIRED EVERYTHING WENT WRONG!!!!! In order to drive i had to fix EVERTHING, i couldn't even defrost my windows for work in the winter mornings because I couldn't afford to get the cooling system fixed!!! .... Upon running into other financial burdens i get on a cheaper payment plan for 6 months after having this car and going through ups and downs for 6yrs since, for some reason I couldnt get ahead with this car XXXX, I get on a 6month plan XXXX XXXX XXXX they came and repossessed my car about XX/XX/XXXX right before XXXX and upon being 6 months in a few weeksand then tell me to hand them over another flat {$1000.00} to have the car and it be fully paid off title in hand!!! I GUESS THEY KNEW TAX TIME WAS APPROACHING XXXX They took the car to another city. The car havnt been driven much because i caught a blowout going to a job interview in another city because i needed the extra money. There was a donut on the front tire, there was not much gas because I wasn't driving much and my money was low... If i wouldve had to pay someone to drive me to the city to get the car and was priced {$200.00} that I didn't have plus repo fee plus storage then gas and there's no way I can get on the highway riding a donut XXXX THEN ITS XXXX TIME!!!! THE EXPERIENCE I HAD WITH THIS COMPANY WILL NEVER GO UNHEARD IVE NEVER IN MY LIFE HAD A CARNOTE THIS WAS MY FIRST AND LETS JUST SAY I WENT IN THERE WITH CONFIDENCE AND PAID THE PRICE FOR BEING SO HAPPY AND PROUD TO HAVE A SOMEWHAT NEW CAR!!! THEY SAW ME COMING AND KNEW I WAS IGNORANT TO PAYING A LEASE AND KNOWING ABOUT APR RATES ETC .. .After awhile I was told my APR was through the roof and was scammed into a outrageous Contract on a used vehicle smh didn't know that existed until after I signed the lease!!!! XXXX XXXX, I spent so much money on this car that I lost my apartment and ended up homeless after this situation!!! Now I CANT EVEN DRIVE TO WORK AT ALL XXXX THIS COMPANY SUCKS AND IF I WAS ANYBDY ELSE IN THE FUTURE, I WOULD NOT DEAL WITH THEM THEY ARE SCAMMERS AND CROOKS AND TOOK ALL MY MONEY THEN TOOK THE CAR THAT I ALSO PUT All my money in and LEASED IT TO THE NEXT SUCKER FOR CARNOTE PAYMENTS WITH PLANS OF NEVER ACTUALLY ALLOWING THEM TO OWN THIS VEHICLE!!!!!!! I WILL NEVER STOP MY COMPLAINTS UNTIL I AM SATISFIED ON THIS SITUATION, YOU MESSED WITH THE WRONG YOUNG LADY JUST TRYING TO MAKE IT IN THIS COLD CRUEL WORLD, I WILL BE SEEKING LEGAL ADVICE!!!!! THIS IS NOT OVERRRRRRRRR!!!!!!!! TOOK ADVANTAGE OF A YOUNG XXXX AMERICAN WOMAN WITH TAX MONEY LEASING HER VERY FIRST CAR OFF A CAR LOT XXXX WHAT A SHAME

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