Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XXXX I allegedly, purchased a XXXX XXXX XXXX from XXXX XXXX and Credit Acceptance was allegedly my lean holder. I contacted this agency around XX/XX/XXXX to complain about Credit Acceptance charges. Since then i contacted the XXXX Around XX/XX/XXXX. Then I have contacted the XXXX XXXX  office Around XX/XX/XXXX, XXXX XXXX XXXX is still investigating my complaint. I'm contacting this agency again, because it had just came to my attention on XX/XX/XXXX, XXXX did the switch and bait, and deceptive sale of my alleged XXXX XXXXXXXX XXXX. My signature was forged, and the original date of my alleged vehicle purchase of the XXXX XXXX dated XX/XX/XXXX, was changed by XXXX and Credit Acceptance to force me into vehicle warranty contracts, ) when I was told by XXXX XXXX from XXXX that i only purchased optional Auto protection plan and from XXXX, separately from the vehicle purchase and i didn't have to and I did not sign any contract for these plans ) Also, credit acceptance has stole my identity, and insurance money from my accident on XX/XX/XXXX that resulted in the XXXX XXXX XXXX being a total loss. Credit acceptance posed as my lean holders, because around, XX/XX/XXXX, XXXX XXXX from credit acceptance, responded, to my XXXX XXXX complaint, she stated that the copies of the XXXX XXXX XXXXXXXX paperwork I received from XXXX XXXX at XXXX XXXX in XXXXXXXX XXXX  on XX/XX/XXXX, was a fraud/not valid, because it do not have my signature on them. XXXX also stated to me on the phone, that she spoke to XXXX from XXXX finace department and XX/XX/XXXX was my original date of sale. XXXX then stated that there is no proof of the XXXX explorer being purchased by me on XX/XX/XXXX. XXXX also says Credit Acceptance has Electronic copies, and the original signed wet copies that is in their system and is dated XX/XX/XXXX. On XX/XX/XXXX XXXX responded to my XXXX XXXX complaint, and stated my purchase date is XX/XX/XXXX. However, I'm concerned about XXXX response, because I have complained also to the other 2 companies XXXX, and this CFPB, and XXXX at credit Acceptance, answer to my complaints has always been the same that she spoke to XXXX XXXX as part of each investigation. So why XXXX didnt provide Credit Acceptance with the original XX/XX/XXXX, purchase date paperwork when they first Electronically filed? Also Why didn't XXXX provide XXXX XXXXXXXX with the original XX/XX/XXXX, when she stated she spoke with the dealership, in my prior complaints? Also how did my name and wet signature get on these warranty contracts ( which these contracts states that if there is any incorrect information on the contract, it is not valid and, the Gap contract states that if it is not purchased on the original purchase date it is not valid ) XXXXCredit Acceptance paperwork dated XX/XX/XXXX, makes these contracts and all paperwork, a Fraud and void. Therefore, Credit Acceptance investorgator wytekia response to my attorney general complaint clearly states that Credit Acceptance didn't know anything about my alleged XXXX XXXX XXXX, being finance by them on XX/XX/XXXX, nor do they have any paperwork for that purchase date. XXXX has also alleged Credit acceptance has no evidence of this date in my previous complaints, with the XXXX and CFPB. 

Therefore Credit Acceptance was never my lean holder, and since XXXX XXXX with Credit Acceptance stated my paperwork was no good in her response to my attorney general complaint, that means the XXXX XXXX XXXXr was not my vehicle. This means im out of over XXXX dollars plus intrest, and this sale was very deceptive and both companies was using my personal information for contracts ect, knowing this was a Fraud, because if i didn't complain to these agencies, especially the XXXX XXXX office, XXXX would have kept helping Credit Acceptance cover up and, hide my original paperwork that i signed electronically. The only paperwork i signed with my wet signature, is the paperwork on XX/XX/XXXX, when i purchased my XXXX XXXX from XXXX not knowing that i was already apart of their XXXX. What was XXXX and Credit Acceptance really trying to do by not making sure I signed those original paperwork dated XX/XX/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