Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint because Credit Acceptance Corporation has repeatedly failed to execute the repossession they initiated, has refused to retrieve the vehicle despite months of advance notice and cooperation, has attempted to shift liability for storage costs onto me, and has continued to call me after I explicitly revoked phone-communication consent and requested written-only communication. 


-- - Summary of What Happened Credit Acceptance issued a repossession order for my vehicle in XX/XX/year>. From XXXX through late XX/XX/year>, I made multiple calls to Credit Acceptance to coordinate pickup from my residence. Their representatives repeatedly stated that the repossession team knew about the vehicle and would contact me, but no one ever did. All of these calls are documented in my phone logs, and their calls were made on recorded lines.

I also informed Credit Acceptance multiple times that my residential lease would end in late XXXX and the vehicle would no longer be at that address after that date. Despite months of notice, they did not pick up the vehicle before the lease ended. 

When I moved out, I paid for the vehicle to be stored at an impound lot solely to keep it secure and accessible for repossession. I have paid over {$1000.00} in storage fees because the lienholder did not retrieve the vehicle. On XX/XX/year>, I again contacted Credit Acceptance and provided the exact name, address, and phone number of the storage lot. They stated they would contact the lot, but they never did. 

Later, Credit Acceptance claimed the storage lot informed them of a minor mechanical issue. I was previously unaware of this, but the vehicle is still fully towable. Even with this information, they still refused to retrieve it. When the storage lot attempted to bill Credit Acceptance for storage fees, the company then stated they were no longer interested in the vehicle and attempted to push me into a financial settlement. I rejected this, as I was following their repossession order, not voluntarily surrendering the vehicle. 


-- - Written Notice and Communication Issues On XX/XX/year>, I mailed Credit Acceptance a formal written notice by XXXX priority mail with tracking, requesting written-only communication and asking them to confirm in writing whether they intended to retrieve the vehicle or release the lien so the lot could process it as abandoned under Arizona law . 

XXXX shows they received the letter on XX/XX/year>. Despite my written-only request, they called me three times on XX/XX/XXXX. I did not answer. All calls appear in my call logs. They have not responded in writing, and they have taken no action regarding the vehicle. 


-- - Why I Am Requesting CFPB Assistance Credit Acceptance has : Failed to execute the repossession they initiated Ignored months of communication and cooperation Forced me to pay ongoing storage fees due to their inaction Attempted to reframe the situation as a voluntary surrender Attempted to pressure me into an improper financial settlement Violated my written-only communication request within hours of receiving it Ignored my XX/XX/XXXX letter and provided no written response Left the vehicle abandoned in a tow yard while maintaining the lien I have acted in complete good faith at every stage. The vehicle has been available for repossession the entire time. I am seeking assistance because Credit Acceptance has not retrieved the vehicle, has not released the lien, and has not communicated in writing, resulting in ongoing financial harm.

Below I attached, the formal letter, the storage-fee invoice, the repossession notice, and documentation showing my cooperation with the storage lot.

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