Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX I was in an auto accident to no fault of my own my car was totaled and I was left without a car. On the night of XX/XX/XXXX I was browsing the internet and ran across a website advertising used cars that looked to be in good condition priced under $ XXXX, I submitted general information ( name, phone number, email ) and the next evening XX/XX/XXXX at XXXX I received a text message from a salesperson asking if he could give me a call the next morning. The car I was interested in was {$16000.00}. Initially I was told {$2500.00} down. I then asked if I could XXXX XXXX. The sales rep said yes and I agreed to to meet the next morning at XXXX. The day of the XXXX XXXX XXXX told the minimum the lender would accept is {$3500.00} down. The day of signing, the salesman would not allow me to fully review the contract, he had it setup as e-signature and he controlled the computer mouse. He became frustrated when I started asking questions so I walked out of the dealership crying because I felt like I was being taken advantage of. Then it hit me that I have no car and a young child that will need a ride to and from school. So I turned around and re-entered the dealership and finished signing. When asked for a copy of the contract the salesman told me he would ask his finance XXXX to email me a copy. The very next morning XXXX bringing my son to school and the car stops in the middle of the highway. I called a roadside assistance and was told the transmission needed to be replaced. I then called the car salesman and explained that the transmission is out less than XXXX hrs of driving off the lot and was told that I purchased the car as-is and would need to file a claim with the extended warranty provider. I then call the warranty provider and was told the warranty would need to be place for 30 days before they would cover any repairs. I call the salesman and explain the situation and also asked why XXXX XXXX received a copy of the contract and was told yet again that someone would send me a copy of the contract. I then asked if I could cancel the entire transaction since its less than XXXX and was told no. I then filed a complaint with XXXX and submitted a review on the auto dealerships website. The next day I received a call stating that they would agree to rebuild the transmission only if I agreed to remove the review. Again, I asked for a copy of the contract and again was told someone would send me a copy. I asked if they could print a copy instead of emailing and was told theyd print it for a {$350.00} printing fee. Needless to say, I never received a copy of the contract instead they emailed me a copy of the extended warranty. The reason for my complaint is now that Ive finally reviewed the contract which I received directly from the loan servicer after questioning the balance and all of the unexplained fees. The down-payment was not subtracted from the purchase price. The purchase price was {$16000.00} and I put {$3500.00} down payment. Yet, the contract shows the sales price as $ XXXX as well as approximately $ XXXX in additional fees.

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