Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Summary On XX/XX/XXXX, I set out to purchase a quality used vehicle for my upcoming graduate school plans. I visited XXXX XXXX XXXX XXXX, where I ended up buying a XXXX XXXX XXXXXXXX XXXX XXXX XXXX a lemonon XX/XX/XXXX. The vehicle had over XXXX miles ( documents attached ). The dealership sold me a warranty through XXXX XXXX, which clearly states that any known pre-existing issues must be addressed by the dealership. 
I made several attempts to resolve this matter the Better Business Bureau XXXX XXXX Michigan note that they offered XXXX assistance regarding complaint. 
Company : XXXX XXXX XXXX XXXX *Refer XXXX XXXX : XXXX, XXXX XXXX This e-mail is to notify you that you currently have a new message with XXXX  in regards to complaint # XXXX. 
Please click on the link below to access XXXX XXXX XXXXXXXX Complaint Management System to read this message. 
Go to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Additionally, I have requested to cancel the contract under the FTC 's XXXX period ; however, Attorney General XXXX XXXX and her XXXX have failed to investigate my allegations of fraud. This raises serious questions about their potential complicity in these unethical actions. I expect timely and appropriate action on all these matters. 

XXXX ) Beginning XX/XX/XXXX, I experienced an overwhelming influx of calls over nearly a month, with the intent to secure my agreement on a car loan, despite their full awareness of the vehicle 's non-operational status. Their offers of assistance with repairs seemed insincere. It is unacceptable that the finance company lacks knowledge regarding the location of my memorandum title. 
Consequently, I asked XXXX, " where is the purported defamation of character? I trust that you allocated my down payment to engage your legal counsel instead of addressing the issues associated with my vehicle. Your establishment exhibits characteristics typical of a substandard dealership, and it is imperative for you to improve your business conduct. '' XXXX was mad at my XXXXXXXX XXXX XXXXXXXX which depicted a true and accurate portrayal of the events that took place. 
-- > XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX had no XXXX XXXX contact me claiming to have legal representation present and threatening to pursue legal action simply because my review accurately reflects their deficiencies as a dealer and exposes their lack of integrity. This matter could have been resolved amicably ; however, due to their preference for unprofessional tactics, it has not. 
I will not tolerate any business that misrepresents my tone or message by contacting me directly. I challenge anyone to provide evidence that I have made any implications regarding their nationality. This appears to be a feeble and vague attempt to present themselves as victims. As I have stated previously, the state of business practices in XXXX has considerably declined. At no point have I referenced anyone 's nationality or immigration status ; it seems that someone is dealing with a guilty conscience. 
XXXX ) As of today, XX/XX/XXXX, I spoke again with XXXX XXXX from XXXX, who confirmed that they are still holding my Michigan license plate and registration XXXX. Despite several attempts to get help regarding my vehicle 's issues, the dealership has repeatedly refused assistance, and XXXX XXXX enables this unethical behavior. I have also requested to cancel the contract under the FTC 's cooling-off period, but Attorney General XXXX XXXX and XXXX team refuse to investigate my claims of fraud, raising concerns about their possible complicity in these practices.

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