Consumer complaint received 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
NOTICE OF RESCISSION, FRAUD, AND DEMAND FOR RELIEF ( Michigan Motor Vehicle Installment Contract Court Ready ) Date : XX/XX/XXXX Timestamp : XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) ________________________________________ TO : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ________________________________________ CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ________________________________________ RE : FORMAL NOTICE OF RESCISSION FRAUD, FORGERY, COERCION, AND INVALID CONTRACT Consumer : XXXX XXXX XXXX : XXXX Odometer : XXXX miles ________________________________________ NOTICE This letter serves as a formal legal rescission of the Retail Installment Sales Contract associated with the above vehicle. The contract is hereby declared VOID AB INITIO due to fraud, forgery, coercion, material misrepresentation, nondisclosure, and lack of mutual assent under Michigan and federal law. ________________________________________ LEGAL GROUNDS FOR RESCISSION ( WITH AUTHORITY ) XXXX. FRAUDULENT / UNAUTHORIZED DIGITAL SIGNATURES ( NO ASSENT ) The contract being enforced contains digital signatures that I did not execute or authorize. The actual agreement I signed bore a wet-ink signature, not an electronic one. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX App XXXX ( XXXX ) XXXX XXXX XXXX XXXX Co, 473 Mich 457 ( 2005 ) Titan Ins Co v Hyten, 491 Mich 547 ( 2012 ) RESULT : No valid agreement exists ________________________________________ 2. CONTRACT SUBSTITUTION / ALTERATION ( FRAUD IN THE FACTUM ) The contract presented is not the same document that was executed. Authority : XXXX XXXX XXXX XXXX, XXXX v XXXX XXXX, XXXX XXXX App XXXX ( XXXX ) RESULT : Contract is invalid due to deception ________________________________________ XXXX. MISREPRESENTATION VEHICLE FALSELY ADVERTISED The vehicle was advertised as like new and mechanically sound, which was false. Authority : XXXX XXXX Co XXXX XXXX XXXX Co , 398 Mich 330 ( 1976 ) MCL 445.903 ( 1 ) ( e ), ( s ) RESULT : Fraudulent inducement established ________________________________________ XXXX. FAILURE TO DISCLOSE MATERIAL DEFECTS Known mechanical issues were not disclosed prior to sale. Authority : XXXX XXXX XXXX XXXX XXXX, 463 Mich 399 ( 2000 ) RESULT : Material nondisclosure = actionable fraud ________________________________________ XXXX. BREACH OF IMPLIED WARRANTY OF MERCHANTABILITY The vehicle is unsafe and not fit for normal driving use. Authority : MCL XXXX XXXX XXXX XXXX XXXX v Caterpillar Financial Services Corp, 284 Mich App 617 ( 2009 ) RESULT : Vehicle is unmerchantable rescission justified ________________________________________ 6. COERCION / PROCEDURAL UNCONSCIONABILITY Contract presented approximately XXXX minutes before closing No meaningful opportunity to review or explanation provided Authority : XXXX XXXX XXXX XXXX, 271 Mich App 145 ( 2006 ) RESULT : High-pressure tactics invalidate consent ________________________________________ 7. FAILURE OF REQUIRED DISCLOSURES Material disclosures were not adequately explained or provided Authority : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Regulation Z RESULT : Federal disclosure violations support rescission ________________________________________ CUMULATIVE LEGAL EFFECT No meeting of the minds Fraud and misrepresentation No valid assent Procedural unconscionability FINAL STATUS : VOID UNENFORCEABLE RESCINDED IMMEDIATELY ________________________________________ DEMAND FOR RELIEF You are hereby required to : 1. Immediately rescind and cancel the contract 2. Cease all collection efforts immediately 3. Remove all credit reporting associated with this account 4. Provide written confirmation of rescission 5. Arrange vehicle surrender at no cost 6. Refund all monies paid, including : o Down payment o Monthly payments o Fees and interest ________________________________________ TIME FOR COMPLIANCE XXXX business days from receipt of this notice ________________________________________ NOTICE OF ESCALATION Failure to comply will result in : Complaints filed with : CFPB Michigan Attorney General FTC Civil litigation seeking : Rescission Compensatory damages Statutory damages Attorney fees ________________________________________ NO WAIVER All rights and remedies are expressly reserved. ________________________________________ Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ave. XXXX XXXX XXXX XXXX XXXX MI 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 explanation