Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding improper servicing of my account and unfair collection practices by Credit Acceptance Corporation. Despite making payments according to agreed arrangements, the company has refused to provide written confirmation of my account status, threatened repossession, and failed to provide transparent information about fees and balances. 

Supporting Evidence XX/XX/year> Call : On XX/XX/year>, at XXXX XXXX, I spoke with a Credit Acceptance representative regarding my account. During the call, I requested a written statement verifying my account status, including : Current balance Payment history Confirmation that my payments would prevent repossession The representative refused to provide a written agreement, stating that Credit Acceptance only offers verbal assurances or website screenshots. I also requested clarification of how my paymentsincluding {$880.00} to redeem my vehicle and {$310.00} on XX/XX/XXXX, XXXX applied. 

Despite complying with the payment arrangement, the representative confirmed that my account was in critical status and threatened repossession. I requested a full itemized account review and written confirmation of fees, past-due amounts, and loan reinstatement terms, but these requests were not provided in writing. 

This conversation demonstrates : Refusal to provide written verification of my account Threats of repossession despite compliance with payment arrangements Denial of reasonable payment arrangements I requested Lack of transparency regarding fees, past-due amounts, and loan acceleration Additional Issues : Unauthorized credit reporting or account reporting inconsistencies Lack of response to prior requests for written statements or account verification Difficulty negotiating or clarifying payment arrangements Just to clarify I am disputing the default status on my auto loan and requesting a full account review, including my complete payment history and the specific reasons for the ongoing repossession threats. I have continued making payments and have repeatedly asked for a written statement confirming my balance, my past-due amount, and the terms of any reinstatement or payment arrangement. My requests were denied. 

During multiple calls, I asked Credit Acceptance for a written agreement confirming that making the required payment would stop repossession activity. The representatives refused to provide any written statement, even after I explained that I needed documentation to protect myself from an improper or unexpected repossession. 

I also requested a new payment arrangement. I offered to pay {$50.00} immediately, but the representative insisted the minimum was {$100.00} and refused to accept a partial payment or set up any new arrangement despite the fact that I was attempting to resolve the issue and prevent default. In another call, a payment I made was reduced by a processing fee, which prevented the full amount from posting, and they still refused to work with me or provide written clarification. 

I was never informed of repossession-related fees, nor was I given proper notice before threats of repossession. I have also asked for a copy of my contract and an explanation of how my past-due balance was calculated, but the company did not provide the documentation I requested. 

I am filing this complaint because I am being threatened with repossession despite actively making payments, trying to resolve the matter, and repeatedly requesting written proof of the agreement terms. I am requesting : 1. A complete account review 2. All written documentation related to my payment history and any alleged default 3. Written confirmation of the terms needed to stop repossession 4. A fair payment arrangement, with transparency and proper notice Credit Acceptance has refused to provide written documentation and has not acted in good faith when I attempted to make payments. 

The screen recording was also attached because my file was too large it is proof of the phone call with credit acceptance customer service representative 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