Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Credit Acceptance RE : Request to Reinstate Auto Loan Agreement Account Number : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vehicle : XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request reinstatement of my auto loan agreement alternate deviation due to loss of employment and payment arrangement associated with the above account. I have paid over 95 % of the total loan balance, and the remaining balance is less than {$3200.00}. I want to bring the account current and continue making payments as agreed. However due to loss of employment, as I receive small assistance from my mother who is already on a fixed income. On XX/XX/XXXX, I called the automated phone system, where I schedule the payment. Your system has been experiencing glitches unfortunately. I called on XX/XX/XXXX, scheduled a payment with my save card information already and the automated system did not process. If the payment was processed, as the system was suppose to, I would not be off this arrangement. I reached out to an agent and spoke with the agent on XX/XX/XXXX, he was unprofessional and overly judgmental, as in your auto system you ask customer to be kind and respectful however XXXX XXXX, ID # XXXX was not, as he cited, he is on the management team. I am also escalating a complaint, as I called back and asked to speak with a supervisor. For the most part, I have not received any governmental assistance. I have been tireless working to see employment. As I overly qualified for most job. All I am asking for is to be placed by on the arrangement that your system, glitched and took me off of. This car is more than XXXX paid off and I would really like to continue as you can see, I have been a person of integrity given I receive no governmental assistance, and very little assistance and with the help of my mom, paying faithfully. My son is also in the military servicing this country. Once employment is allocated, I will resume full status. I am entitled to a reinstatement quote that includes only : Past due payments Late fees ( if applicable ) Reasonable administrative fees Please provide the alternate reinstatement agreement/promise to pay amount in writing, along with the deadline and acceptable payment methods. I am prepared to resolve the past due amount promptly once I receive the written quote. I also request that all repossession activity be paused immediately while this reinstatement request is being processed. I did go ahead and pay the {$150.00} once it was brought to my attention of the error. I am asking for a Right to Cure grievance assistance, and therefore any threat of repossession at this stage is premature and improper. Payment of this car value was doubled which, upon reading the paid off amount and how much was paid thus far is far beyond what the car is worth at this point. Please send the reinstatement quote to me in writing at your earliest convenience. You may email it to me at XXXX. I look forward to resolving this matter quickly and continuing my payment obligations as agreed. Sincerely, XXXX 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