Consumer complaint received 2025-06-29 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: IN

Complaint narrative:
I bought XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXX XXXX and Credit Acceptance was my financing company that did the loan but through XXXX I purchased a warranty as well with the truck there from superior warranty AUTO. After having this vehicle three months, the motor and turbos blew up n locked up motor completely We had the truck towed to XXXX XXXX on XXXX XXXX once we had money we had to wait to have it towed til XXXX got his check They immediately did a teardown and diagnosed the truck and called in an inspector from the warranty. They came out inspected and left, then they requested last 4 yrs of oil changes on truck I told XXXX we ve only had it 3 months we only had it service one time for oil change but I got on car facts found that previous owner had last 5 yr of on time oil and all service recorded so I printed it n had it faxed to warranty and they denied due to the XXXX XXXX  that was already on the truck at purchasing from XXXX XXXXalong with that warranty. They said it was over the factory specs. It has a lift kit and big tires on it. I have pictures where it was bought this way. XXXX tells me no worries. Ill have it taken care of. Be patient a month goes by and XXXX and Credit Acceptance has the warranty canceled and credited off the trucks total on XXXX th of XXXX without telling me or having my consent I tell my boyfriend ex-boyfriend who is another owner of the truck he calls XXXX and is upset demanding to know why I assume then XXXX XXXX XXXX repeatedly hung out would not take his call. We are still continuing to make payments. We owe XXXX XXXX XXXX for what they have done so far to the truck XXXX XXXX XXXX down the warranty will not cover that and we have no truck. When you buy car at XXXX auto It comes automatic with a three month or XXXX mile warranty if you do not purchase one if you purchase one, then you dont get the three month one. Now theyre saying we dont have a warranty so XXXX warranty you would think we wouldve gotten in place of the one that has now been sold n taken bk w out us even knowing at all. I called XXXX to let him know what been done he was upset n calls XXXX up wanting to know who when why it was cancelled when XXXX nor me had when asked bout giving consent XXXX said cause they wont honor ever I called XXXX let him the next day I cam to work was told I was in trouble for previous day I ask for what n no answer so I So my complaint is with two companies in this whole situation XXXX XXXX and the superior auto warranty and I would like to see something done I guess if warranty nor XXXX is going to fix m lit then We want the truck we wan na keep it I would like to see it repaired. Were continuing payments upholding our end of our contract so I feel like the other party should as well and I feel like I should be accommodated for the loss of job over this situation accommodating for all the time spent w lawyers XXXX  and you guys trying to work it all out it has been a huge mess n very unprofessional in so many ways.i will never return to these business.

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