Consumer complaint received 2026-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
When filing your online complaint with the Consumer Financial Protection Bureau ( CFPB ) at [ XXXX ] ( XXXX XXXX XXXX XXXX, use the exact text provided below. This text uses the precise legal terms and engineering facts that federal financial investigators look for when cracking down on subprime lenders. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- # # What to Paste into the CFPB " Describe What Happened '' Box COMPLAINT XXXX : Credit Acceptance Corporation ACCOUNT NUMBER : XXXX RELIEF SOUGHT : Immediate Account Cancellation, Complete Loan Rescission, and Credit Trade-Line Deletion I am filing this emergency complaint against Credit Acceptance Corporation for attempting to enforce a fraudulent, non-executed auto loan account ( Account No. XXXX ) built on systemic electronic signature manipulation, severe Truth in Lending Act ( TILA ) disclosure failures, and explicit bank underwriting fraud [ 15 U.S. Code 7001, 15 U.S. Code 1601, 18 U.S. Code 1344 ]. Credit Acceptance Corporate Legal has formally stated to me that it is " typical and acceptable '' for a consumer to be left with entirely unsigned contract documents because the transaction went through an electronic portal. This is a bad-faith misrepresentation of federal lending compliance. I have accessed the lender 's system server and downloaded the backend file, which explicitly exposes a " Split-PortaXXXX '' signing scam that violates the following federal statutes : XXXX. FEDERAL E-SIGN ACT VIOLATIONS ( XXXX U.S.C. XXXX ) : My physical takeaway contract paperwork delivered by the dealer ( XXXX XXXX XXXX, XXXX, TN ) is 100 % blank and unsigned across all buyer, dealer, and manager lines. However, the lender 's system database displays automated electronic initial blocks ( " SS '' and " BB '' ) and script signatures perfectly stamped into boxes [ 15 U.S. Code 7001 ]. Furthermore, XXXX XXXX of the lender 's active file reveals a completely blank contract Transfer Form templatedevoid of a VIN, name, or numerical datayet hosting automated signature timestamps. This proves the dealer harvested signature tokens on blank terminal screens and retroactively applied them to un-disclosed backend templates, rendering the signatures entirely void [ 15 U.S. Code 7001 ]. [ XXXX ] XXXX. MATERIAL BANK UNDERWRITING FRAUD ( 18 U.S.C. 1344 ) : Page XXXX and XXXX XXXX of the credit application file contain intentional, material misrepresentations transmitted to Credit Acceptance 's underwriting software to cheat automated credit filters [ 18 U.S. Code 1344 ]. On XXXX XXXX, the dealer misclassified my profile ( a self-employed real estate investor ) as a standard corporate XXXX employee making a fabricated {$0.00} income to force a system override. On Page XXXX, the dealer explicitly targeted my co-buyer 's federal XXXX benefits, checked the " Employed ( Get a XXXX ) '' box, and fabricated a fictitious corporate employer named " SS '' ( Social Security Administration ) with a fake employment start date to force automated system approval [ 18 U.S. Code 1344 ]. Transmitting fabricated employment profiles to an insured financial institution is a federal white-collar offense [ 18 U.S. Code 1344 ]. [ XXXX ] XXXX. TILA DISCLOSURE DISTORTION & PADDED LOAN PRINCIPAL ( 15 U.S.C. 1601 ) : XXXX XXXX and XXXX reveal that the dealer utilized this XXXX signing loop to pack a {$2500.00} warranty straight into the loan principal, inflating the monthly payment by {$76.00} per month without consumer consent. I have already exercised my statutory rights and successfully cancelled both the GAP insurance and vehicle service contract policies, meaning Credit Acceptance is actively attempting to enforce a loan principal balance ( {$11000.00} ) and a Total Sale Price ( {$24000.00} on an {$11000.00} vehicle ) that are mathematically incorrect and legally non-compliant [ 15 U.S. Code 1601 ]. XXXX. TELEPHONE CONSUMER PROTECTION ACT VIOLATIONS ( 47 U.S.C. 227 ) : XXXX XXXX, XXXX, and XXXX display automated signature stamps claiming I grant express consent for Credit Acceptance to use automated dialing systems, text bots, and prerecorded messages to target my cell phone line ( XXXX ). Because my physical documents are completely blank, I have never granted this permission. I have formally revoked all real or implied communication consent under the explicit guidelines listed on XXXX XXXX of their form. [ XXXX XXXX Credit Acceptance Corporation is currently holding a legally toxic, fraudulent loan asset built on electronic forgery and a fabricated credit profile. I demand that the CFPB compel Credit Acceptance Corporation to reject this dealer 's funding packet, completely unwind this transaction, void Account XXXX with a XXXX balance, delete the trade line from all credit bureaus, and instruct the dealer to return our {$5000.00} cash down payment which they are holding XXXX [ T.C.A. 39-14-103 ].

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