Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted Credit Acceptance to redeem my vehicle. However, the representative failed to inform me that the redemption department closes between the hours of noon and XXXX along with the storage facility closing on XXXX. Because of this, I was unable to complete the transaction that day, which resulted in additional storage fees, loss of wages and a delay in recovering my car. 

I called agin on XX/XX/year>, and paid {$950.00} at XXXX to redeem the vehicle. Contacted Credit Acceptance between XXXX to retrieve redemption process, was given XXXX XXXX Phone Number. The finance ( Credit Acceptance ) company approved the release. However, when I called the storage facility, XXXX falsely told me the vehicle had gone to auction and did not inform me I needed to make an appointment, what time they closed or that they would be going to lunch at XXXX. I had to contact Credit Acceptance again to get clarification. 

During this second call, at XXXX while at home, I made a private joking comment to my daughter not realizing a representative was still on the line ( ie, thought I had my phone on mute ). XXXX from Credit Acceptance addressed it saying I cant threaten them & stated she would escalate that XXXX stated the vehicle moved. XXXX never stated on that phone call that she was canceling my release, XXXX simply informed me that I shouldnt say that while taking to her & that if I directly threatened XXXX from XXXX XXXX then they can hold my car, however no such thing happened. I explained to XXXX I understood & a supervisor it was a private comment made in frustration in the privacy in my own home to my daughter. She acknowledged my explanation and confirmed the release. 

At XXXX I contacted Credit Acceptance informing them that XXXX XXXX was closed for lunch I dont feel safe because, I feel like someone is retaliating against me & I was informed by supervisor XXXX that my car was being held for a threat I informed XXXX that I thought my phone was on mute & speaking with my daughter. 

Despite this, at XXXX the same day, the storage facility informed me the vehicle release had been canceled based on a false allegation of a threat made to XXXX directly at the storage facility. This was not only out of context but entirely untrue. I have proof that I fulfilled all payment obligations and that my comment was private and mischaracterized. This false claim and the earlier failure to disclose hours of operation has caused unnecessary stress, ( as my mother is elderly & needs me to take her to doctors visits ) which I explained to a supervisor, financial loss and emotional harm. 

MCL 445.903 deceptive practices MCL600.2919a withholding property after payment Defamation and violation of due process. 14th amendment. Defamation and Retaliatory Behavior Violation of my Right To Free Expression In A Private Setting Federal UDAAP violations under Dodd-Frank and FTC rules Violation of Michigan Consumer Protection Act

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