Consumer complaint received 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXX Re : Formal Complaint Against New to XXXX XXXX XXXX, Oklahoma Dear Sir or Madam, I am writing to file a formal complaint against New to XXXX XXXX in XXXX, Oklahoma, regarding what I believe to be deceptive and fraudulent business practices in connection with the purchase of my vehicle. I located the vehicle on the dealership 's website, where it was advertised for {$9900.00}. However, when I arrived at the dealership to purchase the vehicle, I was charged {$11000.00}. I was told the higher price was necessary because of my credit. I do not believe this explanation is truthful or lawful. While I understand that a customer 's credit history may affect financing terms, I do not believe it should change the advertised selling price of a vehicle. I believe I was misled and charged substantially more than the advertised price. I also observed what I believe are misleading advertising practices by the dealership. Even after I purchased my vehicle, New to XXXX XXXX continued advertising it for sale on both its website and XXXX. In fact, the dealership posted my vehicle for sale on XXXX approximately three days after I had already purchased it, and it has remained listed on the dealership 's website ever since. Additionally, before purchasing my vehicle, I initially visited the dealership to purchase a different vehicle that was advertised online. When I arrived, I was told that vehicle had been sold the previous day. However, I later observed that the same vehicle continued to be advertised on the dealership 's website. I have also seen vehicles advertised on multiple websites at different prices. Based on these observations, I am concerned that the dealership may be using misleading advertisements to attract customers and then directing them toward different vehicles or charging different prices once customers arrive. At the time of the sale, I was issued a temporary paper tag and was told it would be valid for 10 days. I was further told that I would receive a temporary metal tag in the mail that would be valid for an additional 30 days, allowing me enough time to register the vehicle with the State of Oklahoma and obtain my permanent registration. I finally received the tag today. It shows it was issued on XX/XX/XXXX, XXXX14 days after purchasing. When I called to tell them my papar tag was expired, they did not care. I have been informed they should have provided me with a tracking #. I believe they failed to file for the tag in the required 48 hour window. I received it on XX/XX/XXXX. I contacted the dealership at least four times regarding the missing tag. XXXX, the salesperson who handled my purchase, repeatedly told me the delay was the fault of the State of Oklahoma. However, my youngest son purchased a vehicle approximately 10 days after I purchased mine and received his tag without any issues. Based on that experience, I do not believe the State of Oklahoma was responsible for my missing tag. The most serious issue involves the condition of the vehicle itself. I believe the dealership cleared the vehicle 's engine diagnostic codes before selling it in order to conceal serious mechanical problems. Less than 20 days after purchasing the vehicle, it became inoperable. I had owned the vehicle for only 18 days before it broke down. I have since taken the vehicle to independent mechanics. They have advised me that the vehicle has a blown head gasket and that the engine requires complete replacement. This was not a minor repair but a catastrophic engine failure that occurred almost immediately after my purchase. When I contacted the dealership about the vehicle, I was met with resistance rather than assistance. XXXX, who identified himself as the owner, has been rude and dismissive during several conversations. Instead of attempting to resolve the matter, he questioned how he could know the engine failure was not somehow my fault, despite the fact that the vehicle failed less than three weeks after I purchased it. XXXX also told me he wanted his mechanic to inspect the vehicle and said he would text me the mechanic 's contact information. He never sent the promised information. On another occasion, he instructed me not to take the vehicle to certain repair shops because they would charge more. I found these statements misleading and unhelpful, and they delayed my ability to obtain an independent diagnosis. During one of our conversations, XXXX also stated that he had been in business in Oklahoma for over 33 years. However, I have been unable to locate records supporting that claim regarding either him or XXXX to XXXX XXXX. The dealership also sold me a vehicle service contract. According to the terms of the warranty, engine replacement should be covered when necessary. Despite two independent mechanics determining that the engine requires replacement, the warranty company has refused to authorize a new engine and has only offered to pay for a head gasket repair. As a result, I remain responsible for a vehicle that can not be driven. This entire situation has caused me significant financial hardship. I continue making monthly loan payments on a vehicle that I can not drive. I am also paying for full-coverage insurance on that same vehicle while it remains inoperable. The dealership has refused to take the vehicle back, refund my cash down payment, or provide any meaningful assistance in resolving this matter. Based on the pricing discrepancies, the continued advertising of vehicles after they have reportedly been sold, the failure to provide the promised registration documentation, the apparent concealment of serious mechanical defects, and the dealership 's refusal to reasonably address these issues, I respectfully request that you conduct a thorough investigation into the business practices of XXXX to XXXX XXXX. I am prepared to provide copies of the online advertisements showing the advertised price, screenshots demonstrating that the vehicle continued to be advertised after my purchase, screenshots of the XXXX listing, my purchase contract, repair estimates and written mechanic reports, the vehicle service contract ( warranty ), copies of my temporary tag and any related registration documents, and any other documentation that may assist in your investigation. Thank you for your time and consideration. I respectfully request a thorough investigation into these business practices and any appropriate action the Commission deems necessary to protect Oklahoma consumers from similar experiences.

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