Consumer complaint received 2026-04-28 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: PA

Complaint narrative:
I am filing this complaint regarding a vehicle financed through Credit Acceptance Corporation, account number XXXX. The vehicle was purchased on XX/XX/year> from XXXX XXXX XXXX. Shortly after purchase, the vehicle began experiencing mechanical issues and had to be returned to the dealership for problems before XXXX XXXXXXXX XXXX XXXX occurred. On XX/XX/year>, less than XXXX month after purchase, the vehicle suffered catastrophic engine failure, including a blown head gasket and related engine damage, rendering the vehicle completely inoperable. The prior repair issue demonstrates that the vehicle was experiencing XXXX XXXX almost immediately after the sale and that the dealership had notice of ongoing issues before the catastrophic engine failure occurred. The vehicle remains at a mechanic facility while repair and warranty issues remain unresolved. The vehicle can not be moved because it does not run. In addition to ongoing loan obligations and transportation hardship, storage charges are now expected to begin accruing while the vehicle remains XXXX pending warranty and repair determinations. The warranty company, XXXX XXXX, has indicated that expensive teardown and diagnostic procedures will be required before determining whether repairs will be covered, potentially leaving me responsible for substantial expenses on a vehicle that failed almost immediately after purchase. The vehicle suffered catastrophic XXXX XXXX less than XXXX month after purchase despite the existence of warranty and/or service contract coverage associated with the transaction. The handling of the repair process, including the requirement that substantial teardown and diagnostic expenses be incurred before any warranty determination will be made, raises serious concerns under the XXXX XXXX XXXX and related consumer protection laws. XXXX XXXX XXXX was formally placed on notice regarding these defects through certified mail ; however, XXXX records confirm the dealership refused delivery of the correspondence. Despite the vehicle being unusable, I continue to incur : * ongoing loan obligations, * insurance expenses, * transportation hardship, * diagnostic expenses, * anticipated storage fees, * and additional financial damages. Credit Acceptance Corporation has now been formally notified regarding this dispute and requested to investigate the circumstances surrounding this transaction. Under XXXX XXXX XXXXXXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX prohibiting deceptive business practices and XXXX XXXX used vehicle consumer protection laws, the immediate XXXX XXXX and catastrophic XXXX XXXX occurring less than XXXX month after purchase raise serious concerns regarding the condition of the vehicle at the time of sale and the conduct surrounding this transaction.

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