Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Consumer Complaint to the CFPB Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Mishandling of Engine Warranty Replacement, Financial Harm, and Credit Damage Vehicle InformationXXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : I am filing this formal complaint due to XXXX XXXX XXXX and XXXX XXXX XXXX failure to properly honor the engine replacement required under the class action settlement related to Theta II engine defects. This failure has resulted in serious financial loss, repossession of my vehicle, and significant damage to my credit report. 

Details : * In late XXXX, my XXXX XXXX experienced a total engine failure. The dealership ( XXXX XXXX in XXXX, SC ) claimed they replaced the engine under XXXX  class action warranty. 
* However, I have never received any formal documentation verifying a full engine replacement. The paperwork provided to me lacks an engine serial number, parts invoice, warranty update, or signed customer authorization confirming a replacement. 
* Less than two years later, the engine failed again in XXXX. XXXX refused to fix the vehicle this time, and it sat on the dealership lot for over 18 months without repair. 
* I was never given a loaner vehicle during that time, and no resolution was offered. 
* In early XXXX, the vehicle was repossessed without my knowledge after sitting at the dealership. This has now impacted my credit and caused me to be denied housing. 
* I was forced to purchase another vehicle out-of-pocket for {$7000.00} following my fathers death. 
* I have sent all documentation to XXXX XXXX XXXX and received a final response that they will not intervene because the dealership is independent. This is unacceptable as the engine warranty was part of XXXX  national class action settlement, not a private dealer agreement. 
* Additionally, XXXX 's final communication cited XX/XX/XXXX as the engine replacement date, but again, no supporting documents were included to validate this replacement occurred.

Relief Requested : 1. Formal confirmation that the class action engine replacement was or was not performed, with supporting documentation.

2. Removal or correction of all credit reporting related to the repossessed XXXX, regardless of account balance, due to improper warranty handling.

3. Reimbursement of {$7000.00} for the replacement vehicle I was forced to purchase.

4. Written documentation I can use for future housing applications.

5. Formal recognition of Hyundais mishandling of this case and a public correction of record, if applicable. 

Documentation Provided : * Dealership correspondence and service records * XXXX XXXX XXXX XXXX * Certified mail receipts and tracking * Final denial letter from XXXX * Screenshot of credit report damage This issue has been ongoing for over a year, and I have been treated unfairly despite cooperating fully at every step. XXXX has failed to honor their own warranty agreement and caused substantial personal and financial harm. 
Thank you for your time and attention. 
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