Consumer complaint received 2025-09-03 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding the auto loan I have with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. 

Background on XXXX & XXXX : Since purchasing the vehicle in XX/XX/XXXX, Ive paid close to XXXX XXXXXXXX for a long time despite having only being able XXXX XXXX the vehicle less than XXXX miles due to persistent and unresolved mechanical issues. From the very beginning, I reported these issues to both the dealership ( XXXX XXXX in XXXX, AZ ) and to XXXX XXXX XXXX. In fact, I spoke with a representative from XXXX dealer relations department, who acknowledged the issues and initially attempted to get the dealership to repair the vehicle. These issues, coupled with severe medical, financial, and housing hardships, have left me in an urgent and critical situation. 

I reported the following major problems to both XXXX XXXX in XXXX, AZ and XXXX XXXX XXXX shortly after purchasing the vehicle : XXXX. A loud noise in reverse, later diagnosed as a broken engine mount by a technician at XXXX XXXX XXXX XXXX XXXX dealership in XXXX, CA. I was advised not XXXX XXXX the car until repaired, but XXXX XXXX declined to authorize a local repair near XXXX, CA and insisted XXXX XXXX it XXXX miles back to them with these dangerous issues that could have left me stranded in the middle of no where. 

XXXX. XXXX failure the air conditioning system stopped blowing cold air the same day after taking the XXXX XXXX said they would repair it once I brought the vehicle back to them. 

XXXX. Fuel injector failure Caused significant loss of power. XXXX fuel injector was repaired but the technician warned that XXXX other injectors were likely to fail soon, but again, XXXX XXXX declined to authorize local repairs because they wanted me to take the vehicle to them. The technician said he wouldnt recommend XXXX XXXX the vehicle for long distances until the repair was made. 

XXXX. Malfunctioning electronics All screens and systems began glitching and restarting randomly ( approximately once per day ). 

XXXX. Engine ticking sound : Gradually worsened each day. Research suggests this is a serious and costly repair. XXXX XXXX continually delayed, saying someone would call me back but I never received a follow-up. 


Despite repeated reports, XXXX XXXX offered no reasonable resolution. They wanted me XXXX XXXX the vehicle XXXX miles back to them with a broken engine mount, and XXXX failing fuel injectors. The technicians at XXXX XXXX XXXX XXXX XXXX advised me not XXXX XXXX the vehicle for long distances until these repairs were made because it could brake down anytime soon so I refused XXXX XXXX the vehicle back to XXXX XXXX and asked them to make the repair where I was temporarily located OR to tow the vehicle back to their shop. They didnt officially refuse but they always said someone will give you a call back anytime I followed up. That never happened. 

An XXXX  dealer relations representative initially acknowledged these concerns and attempted to engage the dealership, but as the XXXX pandemic escalated, communication and follow-up deteriorated and the issue was never resolved. I continued making payments in good faith, expecting the issue would eventually be addressed but never was. 

This was my first vehicle purchase and was not properly educated on what I should or shouldnt do when issues like these happen so I did not know what I could do when all this started. All I knew was that I had a payment that needed to be paid and I was financially stable so I continued to make my payments for a car that was not properly working from the start. 


XXXX XXXX XXXX : XXXX XXXX, I suffered a minor foot injury which later developed into a worsening XXXX that led to job loss and eventually homelessness. My condition has worsened and now affects both feet, rendering me unable to walk or work. Since XX/XX/XXXX, I have been living out of the same vehicle, it is currently my only shelter, which is now parked at a friends home. They are a big family living in a small home and I hate to be a burden so I decided to live in the vehicle parked in their home while they allow me to use essential amenities. Ive been under medical care for months and recovery is ongoing and will likely take several more months. I have no income, no housing, no phone, no family ( both parents passed last year ) and my bank account is overdrawn and will likely be closed soon due to no income. I can provide documentation to verify all these circumstances. 

XXXX  previously granted deferments, which I deeply appreciate because I needed financial help at that time due to helping my parents with housing and medical bills but now I need the help. I was hoping I would be back on my feet by now but things have only gotten worse, medically, mentally and financially. My condition has not improved, and I have since fallen behind again. Ive applied to many assistance programs but Ive only been approved for limited healthcare coverage at the moment. With another due date approaching, I am out of options and unsure what to do as this vehicle is my only shelter I have left and I am unable to work.

Company response to consumer: Closed with explanation