Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Deceptive Advertising, Bait-and-Switch Tactics, and Predatory Sales Practices I am filing this complaint against XXXX XXXX XXXX  XXXX XXXX XXXX dealership that knowingly engaged in deceptive practices, bait-and-switch sales tactics, misleading financing agreements, and a complete lack of post-sale support. This occurred in Georgia and involved salespeople named XXXX and XXXX, along with other employees. 

In XX/XX/year>, I saw a vehicle listed online by XXXX XXXX XXXX for {$16000.00}. I called and was told that the specific vehicle was available for sale. When I arrived at the lot, that vehicle was not there. I was then pressured to test drive a completely different vehicle that they claimed matched my needs. Despite my hesitation, they begged me to try it, saying it was perfect for what I wanted.

Before test-driving the vehicle, I checked the online listing and confirmed the listed price was {$16000.00}. However, when I returned from the test drive, the salesperson informed me that the price had changed to $ XXXX {$3000.00} markup from the advertised price. I immediately expressed concern, and they claimed it was a mistake and assured me they would fix it. They asked me to begin the paperwork process, and based on their word that the price issue would be corrected, I proceeded. 

Over the phone, I was told that I would need {$7000.00} down to complete the purchase. When I got to the dealership, they demanded an additional {$1500.00} on the spot, bringing my total down payment to $ XXXX last-minute demand that felt coercive and manipulative. I did not feel comfortable, but by that point, I had already invested hours of time, had made arrangements for transportation, and felt pressured to proceed. 

Later, I discovered that they had finalized the price at {$19000.00} anyway, and the total financed amount exceeded $ XXXX the vehicle still being listed online at {$16000.00}. I was misled at every step, from the bait-and-switch listing to the price increase to the last-minute down payment hike.

To make matters worse, six months after purchasing the vehicle, it began experiencing major transmission failure. I reached out to the dealership, remembering their many promises about standing by their vehicles and supporting their customers. I was repeatedly told that the people I needed to speak with were not available and that someone would get back to mewhich never happened. Their so-called support vanished the moment they received my money. 

I believe XXXX XXXX XXXX is deliberately preying on customers using false advertising, deceptive pricing, emotional manipulation, and pressure tactics, especially once customers are onsite. I feel completely defrauded and taken advantage of. 

This is not just poor customer servicethis is a pattern of bait-and-switch tactics, fraudulent advertising, price manipulation, and predatory behavior that needs to be investigated. If this happened to me, I am sure others have had similar experiences, and I urge the FTC to hold them accountable to protect other consumers. 


Thank you for your time and attention to this matter.

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