Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding XXXX XXXX ( XXXXXXXX XXXX ) and Credit Acceptance Corporation for serious issues involving vehicle misrepresentation, unfair financing practices, and failure to provide reasonable resolution despite repeated communication efforts. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX and financed it through a Retail Installment Contract assigned to Credit Acceptance. The contract required me to acknowledge delivery and acceptance of the vehicle in good condition and repair. I signed this in good faith, believing the dealership and lender were acting honestly. 

However, the vehicle began experiencing major mechanical and brake failures within XXXX months of purchase, indicating these issues existed prior to the sale. The problems were so severe that the vehicle remained in a repair facility from XXXX until XX/XX/XXXX. I relied on the extended warranty I purchased, but the extent, severity, and recurrence of the failures go far beyond normal defects and demonstrate that the car was never in the condition represented at sale. 

Even after finally getting the car back in XX/XX/XXXX, the vehicle is acting up again now, repeating the same or similar issues that date back to the initial purchase. This confirms the vehicle was fundamentally defective and should have never been sold as a reliable, roadworthy car. 

I have been in constant communication with both XXXX XXXX and Credit Acceptance, seeking help, adjustments, or any reasonable resolution. Despite explaining the timeline, repairs, and financial strain, no meaningful adjustment has been made by either party. Instead, I have been repeatedly told to go through the warranty, even though the warranty repairs did not address the underlying defects and the contract itself states I accepted the vehicle in good condition. That representation was untrue. 

I continued making loan payments during most of the two-year period when the car was in the shop, despite having no use of the vehicle. My rent alone is {$3100.00} monthly, and the burden of paying for a defective, unusable car has become financially impossible. 

I respectfully request the CFPB investigate the following : Dealer misrepresentation and potential fraud in the sale of the vehicle Credit Acceptances failure to address contract-holder obligations as required under the holder rule Whether these actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) Whether I am entitled to relief, loan forgiveness, balance reduction, or cancellation of the contract due to the defective nature of the vehicle and the harm suffered I can provide the Retail Installment Contract, warranty contract, repair history, communication records, and proof of hardship. 

Thank you for your attention. I am seeking a fair and justified resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief