Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am submitting a complaint regarding Credit Acceptance Corporation ( Account XXXX. XXXX ) based on ongoing and newly discovered issues following my prior CFPB complaint ( XXXX XXXX. XXXX ). This matter involves continued misrepresentation, improper notice, and inaccurate information regarding the status and recoverability of my vehicle. In my prior CFPB complaint, I clearly expressed my intent to resolve the account, reinstate the loan, and regain possession of the vehicle. I specifically requested a pause of any sale activity and the opportunity to cure the account and redeem the vehicle. Despite this, Credit Acceptance continued to represent to me that I would be able to regain possession of the vehicle through payment arrangements. These representations occurred multiple times, including last week and again this week, leading me to believe that recovery or redemption remained a viable option. The vehicle was sold on XX/XX/year>. Despite the sale, I continued to receive information indicating that recovery of the vehicle was still possible. In Credit Acceptances formal response to my prior CFPB complaint, they instructed me to contact them to discuss redeeming the vehicle. Relying on that instruction, I contacted the company and was told to log into my account and pay the balance in order to redeem the vehicle. However, because the vehicle had already been sold on XX/XX/year>, redemption was no longer legally possible under XXXX XXXX. Directing me to log in and pay to redeem the vehicle after the sale constitutes materially inaccurate and misleading information. On the following day, I contacted Credit Acceptance again and was instructed to call back three separate times. During those calls, I received inconsistent and incomplete information regarding recovery or resolution. On the final call, I was informed that there was nothing I could do. This sequence demonstrates that multiple representatives continued to communicate recovery-related options even after the vehicle had already been sold, followed by a complete reversal within the same day. Additionally, the companys prior investigation failed to account for this. The in vestigator should have had access to the vehicles sale status, yet recovery and redemption were still communicated to me multiple times. This raises concerns regarding internal controls, record accuracy, and compliance oversight. Separately, Credit Acceptance failed to provide proper notice as required under XXXX XXXX and XXXX. All notices were sent to an outdated address ( XXXX XXXX XXXX ), while my correct address is XXXX XXXX XXXX, XXXX, Tennessee. As a result, I did not receive notice of repossession or my right to redeem prior to sale. The repossession itself also raises concerns. The vehicle was taken from within a locked and enclosed area under my carport without my consent, and the incident was captured on video. Under XXXX XXXX, repossession must occur without breach of the peace. In addition, personal property was left inside the vehicle at the time of repossession and has not been returned. I was not provided a meaningful opportunity to retrieve my belongings, nor was I given clear instructions on how to recover those items. The loss of personal property represents an additional harm resulting from the repossession and subsequent handling of the vehicle. These actions have caused financial harm and hardship. I relied on the companys repeated representations when making financial decisions. Funds that could have been used for essential expenses were instead directed based on inaccurate information. In addition, the loss of the vehicle has impacted my ability to travel to work and maintain income stability. This hardship was worsened by the company continuing to suggest that recovery remained possible, delaying my ability to make alternative arrangements. Overall, Credit Acceptances conduct reflects repeated misrepresentation, inconsistent communication, defective notice, potential breach of peace, and failure to address personal property recovery, raising concerns under XXXX provisions, federal law ( including 15 U.S.C. 1692e and 1692f ), and the Tennessee Consumer Protection Act.

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