Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I write to bring to your attention an issue of grave concern related to my purchase of a XXXX XXXX XXXX under an account associated with your institution, with the intention to seek an amicable resolution prior to pursuing the issue further in a court of law.

As you may already be aware through transaction records, the vehicle in question was purchased via XXXX XXXX XXXX, a dealership with a concerning record of XXXX civil complaints for fraudulent business practices. The XXXX model that I bought from this dealership turned out to have several mechanical failures that were neither disclosed nor fixed by the dealership. 

Within a few weeks of purchase, on XX/XX/XXXX, the vehicle nearly caused an accident as the wheel malfunctioned, and it diverged into a different lane of traffic. Subsequent examination revealed additional issues, including the lack of coolant, a dysfunctional air conditioning and heating system, and alarming noises from the vehicle & faulty mileage on the vehicle. 

Upon returning the vehicle to XXXX XXXX XXXX on XX/XX/XXXX and requesting remediation, the management not only refused assistance but also mistreated me with disrespectful conduct. Despite my mother 's intervention, the vehicle 's issues persist, and it remains non-operational as it sits outside my residence for several months. 

I am disheartened to note when me in my lawyer searched Integrity Auto Sales online presence reveals a pattern of similar accusations from other customers recently in prior on XXXX XXXX XXXX, & Etc. It appears this dealership regularly sells vehicles that are faulty and hazardous, discontinuing communication when customers seek redress. I ask that American Credit Acceptance Company investigate XXXXXXXX XXXX  XXXX vehicle selling process to ensure customer arent being took advantage of like they are currently doing. 

Furthermore, I have been made aware of another customer which she is willing in 5 other customers are willing to testify for me inregards to their buying process with integrity auto sales dealership in loan contract that was cancelled with American credit acceptance, one named XXXX XXXX XXXX, who was able to have her contract canceled on account of a similarly faulty vehicle from the same dealership. Yet, when my mother contacted your representatives to inquire about a similar return 1 month after integrity auto sales did not honor their selling policy, she was first told it was possible to return the vehicle, but on later inquiry told otherwise when we arrived to return it. This discrepancy suggests unfair practices and an inconsistency in your customer service, on potentially protected class grounds. 

I believe American Credit Acceptance holds responsibility not only for its own actions but also for enabling XXXX XXXX XXXX ' unethical practices due to your continued association with them. 

I would like to speak to a supervisor regarding why, when my mother called to inform American Credit Acceptance about my customer experience a month after purchasing the vehicle when the dealership was not willing to help or answer any calls even though the vehicle nearly killed me, I was told I could return the vehicle and my loan would be canceled. However, when my mom called to confirm this while inside the dealership, she was told that I couldnt do that and had to keep the vehicle. Yet, a different customer was allowed to return her vehicle for the same issues, and her contract was canceled. This is all unethical behavior, and it alarms me that American Credit Acceptance bases its company motto on integrity and fair customer experience, but allowed XXXX XXXX XXXX to falsely advertise a faulty vehicle that nearly killed me. All of this is unfair practice by both XXXX XXXX XXXX and American Credit Acceptance.

American Credit Acceptance continues to conduct business with XXXX XXXX XXXX dealership, despite the dealerships reputation for selling faulty vehicles and lemon vehicles.This decision should not be taken at face value ; it is advisable to refer to the courts record, which reveals over XXXX civil cases filed due to faulty vehicles and false advertising, as well as unfair business practices. XXXX Credit Acceptances primary focus after a purchase is payment, rather than the well-being of its consumers. This practice is unfair, especially considering that this was my first vehicle, and the experience has been entirely negative. The vehicle is not functioning properly.

Company response to consumer: Closed with explanation