Consumer complaint received 2025-11-16 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: IA

Complaint narrative:
Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, IA XXXX Email : XXXX Phone : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Iowa XXXX XXXX XXXX XXXX XXXX Subject : Complaint for Fraudulent Practices and Unauthorized Addition of My Wife to an Auto Loan Contract To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credit Acceptance Corporation for serious violations involving fraud, misrepresentation, and the unauthorized use of my wifes personal information. My wife was added to a loan agreement without her knowledge, consent, or signature, even though she was not present at the dealership on the day the contract was created. 

I do not speak XXXX ; I wrote my statement in XXXX XXXX and translated it using XXXX. 



XXXX. My wife was not present and did not sign any documents On the date of the transaction, my wife was at work. 
She did not visit the dealership, did not meet with any representative, and did not sign : Any loan documents Any credit application Any authorization form Any agreement making her responsible for this debt She did not give any verbal or written consent to be added as a co-signer. 



XXXX XXXX XXXX XXXX me about the use of my wifes paystubs Initially, XXXX XXXX denied my loan due to lack of income proof. 
A representative advised me that if someone in my household works, I could submit : Their paystubs Their Social Security number to show that there is income in the home. 

However, I was never told that by providing my wifes paystubs, they would turn her into a co-signer. 
My wife sent her paystubs only to help show that income enters our home not to become legally responsible for a loan. 

We were never informed that her personal information would be used to create a financial contract. 



XXXX. Unauthorized and fraudulent use of her identity The dealer and Credit Acceptance : Added my wifes name to the loan without her consent Submitted credit information without authorization Created a legal contract without her presence Made her financially responsible for a debt she did not agree to This is a violation of XXXX and Iowa XXXX XXXX XXXX. 



XXXX. Both the dealer and XXXX XXXX refuse responsibility When I asked XXXX XXXX to correct the issue, they told me : Contact the dealer. 

When I contacted the dealer, they said : Contact XXXX XXXX. 

No one is taking responsibility, and the fraudulent contract remains active. 



XXXX. Requested actions I respectfully request : XXXX. Immediate removal of my wife from the loan. 
XXXX. A full investigation into the unauthorized use of her personal information. 
XXXX. Copies of all documents XXXX XXXX claims she signed. 
XXXX. A review of the entire loan, including pricing inconsistencies. 
XXXX. Cancellation or correction of the contract if fraud is confirmed. 



XXXX. Supporting documents included I am including : Documents showing pricing inconsistencies Dealer paperwork Communication records Paystubs that were misused The funding sheet showing incorrect details Thank you for your attention and prompt action. 

Sincerely, XXXX XXXX XXXX

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