Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I posted about this in XXXX of XXXX. So please refer to the original complaint, I do apologize for my late reply, but I have been reaching out to Credit Acceptance. I also have been fighting a criminal case where you would think the loan company holding this Lein against me would have obtained some form of evidence in their file they went to see the vehicle and determined that it could not be sold at auction to repay any portion of my loan. But unfortunately Credit Acceptance does not have any proof of their inspection. On XXXX they requested photos of the car from XXXX XXXX in which XXXX XXXX isnt a photographer nor are they responsible for doing any work for you. That you legally must have, to prove that you did your due diligence in repossessing your property back. As our agreed contract states. 
I have a letter from credit acceptance that states all of the following. You also have failed to return any of my phone calls. 

Also Federal rules require dealers to display a buyers guide sticker indicating warranty coverage in the driver side window of each used car. If a used car is warranted, the Sticker must state the terms. I have a picture of the car- on the lot THERE IS NO SUCH STICKER INDICATING A WARRANTY OR TERMS. 


The Michigan Consumer protection act, if I purchased an extended warranty- I SHOULD HAVE A COPY AND THIS IS SOMETHING I WOULD NORMALL HAND FILL OUT. WHICH I NEVER DID. INDICATING THIS ENTIRE PACKET IS IN FACT FRAUD. 
I also had my boyfriend with me. The time stamps, dont even make logical sense, how did I sign the entire document and understand it in under a few seconds. 
I also would never have signed a piece of paper that said I got to negotiate a XXXX down payment. And 23.9 % interest rate. 
I offered XXXX XXXX for the car he accepted, when I needed financing he said my only option was credit acceptance- XXXX down and 23.9 % interest. I had to borrow the XXXX from my mother. So why would I negotiate that? 7 days before Christmas? I never would have signed a document that contradicted exactly what had happened. XXXX my witness, read that paper and said that was never put in front of you. He is a XXXX XXXX, had engineered and constructed parts for XXXX XXXX XXXX, he builds and restores motorcycles. He very much knew everything going on with that vehicle. He is the one actually put air in the tires before going on the test drive. The salesperson was so lazy, he was concerned he would under inflate the tires damaging them, so XXXX put the air in. I certainly would not have signed a document lying for your or his benefit. 
Under 18 USC 1605 you cant even ask me for a down payment. 
So Ill definitely need that XXXX XXXX back. 
The fraudulently contract, of which, how do you have a document with a date of XXXX, and XXXX, and I signed it in XXXX. Do not even again try with this obscene contract. Its not even hand signed by myself. For every time you have reported a late payment or any error on my credit report about this vehicle due to this companies in-discrepancies you owe me XXXX XXXX 

I expect prompt- deletion of this from my credit report, with the return of every penny I have ever sent to you with 7 days. Also swift payment of suffrage to my credit. I shall begin to start sending notice to media outlets, and regulatory & licensing agencies regarding your fraudulent gouging contracts.

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