Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX my car was repossessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON that day they improperly towed my vehicle by ONLY pulling it on its two wheels which even in the drive manuals sates that should NEVER been done but it was still pulled XXXX XXXX  miles to XXXX Ga from XXXX GA XXXX Which caused XXXX XXXX train and powertrain damage and transmission issues. They stated on a video/audio recording that i have " prior to taking the car from XXXX XXXX XXXX XXXX they have photos of the car on a tow dolly as well as photos of the vehicle and everything inside the car also they stated documents the condions of the contents as well as the car conditions '' this is what was stated by the tow company. Once they had the car back at XXXX XXXX XXXX XXXX GA they removed ALL of the items from the car. XXXX XXXX XXXX stated on a video/audio recording ALL items in the car were removed and placed in a safe storage unit locked away from others and to have the items returned comes with a fee of {$100.00} and proof of ID. On XX/XX/XXXX I paid my past balance to regain possession of my XXXX XXXX XXXX XXXX. I arrived to pick up my car at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, I provided the car key and they brought my car out to me. Immediately after gaining possession to the vehicle I noticed all of the light were on the dash, lights i had never seen before in my car or anyone else 's honestly. I also had visible damage to the rear tires. I asked the attendant who brought my car out WHAT HAPPENED? he stated " how ever it is now is how it was when it got here from XXXX XXXX XXXX ''. At that moment I had no idea what that was suppose to mean until I reviewed my ring camera. On my camera its show a tow truck with with tow dolly on the back of his truck but choose NOT to place them under the tires and choose to tow it improperly from XXXX GA to XXXX GA witch caused severe transmission issues. Back to XX/XX/XXXX I gained access the car, drove the car round the parking lot back to entrance and the car barely made it. From that day XX/XX/XXXX the car has been undrivable and at the dealership for repairs. Today is XX/XX/XXXX with a diagnostic fee of {$500.00} repairs not included, also the car wont be released back to me until the {$500.00} fee is paid. I have paid Credit Acceptance Cooperation to gain possession of vehicle, but due the mistake made by XXXX XXXX XXXX the car is no longer drivable with repairs. On XX/XX/XXXX I called XXXX XXXX XXXX to asked about the damages of they car, they were immediately hostile, and blaming the XXXX XXXX, lying and denying claims before i even provided my proof om claims. Also they mad frequent reminders that they are doing me favor by holding my items for XXXX days as GA law is Only 30 days. Which i believe weren't friendly reminders just a reminder that not only did they damage the but they can also still throw away all of my belongings due to my claims. On XX/XX/XXXX I was able to scrape up {$100.00} and schedule an appointment for today XX/XX/XXXX to pick up all of my belongings. I called Credit Acceptance and they paid the {$100.00} to have my items released. These items were stated to have been locked away safe and secured and the is the purpose for the {$100.00} fee. Today I arrived at XXXX XXXX XXXX XXXX Ga at XXXX to get mt items. My Items were brought out to me in XXXX XXXXXXXX XXXX XXXX Both bags were completely drenched in a smelly liquid and everything was covered in mold. Photos of my dead mom was ruined, what matters the most is the things were not replaceable. However 100 % of my items were ruined. i have video/ audio recording of this whole interaction. Also i recorded me informing them that its drenched and covered in mold their response " we know, and that they are willing to throw it out for me if i like " Which is not what I would like. that's why paid to get a ride all the way to XXXX GA from XXXX GA. I because i planned on receiving items back how they were taken. I was able to leave with anything expect my XXXXXXXX XXXX XXXXXXXX, and few car charges and perfume. Just to not leave empty handed as that was a 2 hour commute. Not only were they willing to beat me out of {$100.00} for completely mold items on top of damaging the car but they beat Credit Acceptance out of {$100.00}. XXXX XXXX XXXX is a shady 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 explanation