Credit Acceptance/key Auto Liquidation sold me a vehicle that has many problems and a extended warranty that does not cover anything on the suv d/t suv rigged for being sold Milton Florida

Tuwanna,

Too many things here just don't add up. I think your car died from basic neglect and/or abuse. Here's why.

You purchased a 6+ year old car with 94k miles on it for approx. $15k or more. [$415x36]. That car MIGHT have been worth $4500 on a good day! Why would you pay that much? And, you never told us how long you had it.

A car with this many miles on it from one of these lots should have been taken to an independant mechanic for a thorough exam., and all fluids flushed/changed. Not "checked".

You say the "engine stopped", but you never said what lead up to it's failure. What exactly did it do prior to failing, and for how long?

I think you drove the vehicle with known problems that were ignored. Did you not thoroughly test drive the vehicle BEFORE buying it? You never mentioned that. And if you did test drive it, why were these problems not identified then?

I don't care how much "rigging" a car lot does, if there are serious defects in the motor/trans/cooling system, etc. I would find them all in a 15-30 minute test drive.

When test driving a car, first start it up and let it run for about 15 minutes while you look everything else over, then get in and check the gauges/lights. If it is running hot or has low oil pressure, walk away. If not, continue your test drive, roll the windows down and listen for strange noises. Test the A/C, heat, etc. Stop firmly, accelerate fast, etc.

>>You wrote>>
Steve,
I am well aware that with any vehicle used or new the fluids are to be checked. I'm not totally stuck on stupid. The oil was changed on time and all other fluids checked everytime it was in and out of the repair shops. I was told by the last repair shop the Wynn's adjuster stated I was sold a lemon! The dealer rigged the 2000 olds bravada for a quick sale. When purchased the suv had 93-94 thousand miles with the purpose of starting a small business. For the kind person with the helpful advice you can reach me (((ROR REDACTED EMAIL FOR SECURITY PURPOSES)))

Tuwanna - Fort Walton Beach, Florida
U.S.A.
>>>>

I have read this complaint over several times. As a former car dealer from Ohio, I felt I needed to respond to help people like Tuwanna.

First, Credit Acceptance is a type of finance company that a dealer must purchase membership to. They will finance everyone regardless of credit. The dealer must may a fee to them for every car they finance through Credit Acceptance. I, myself, checked into the program to help people get financed on cars. When the company wanted money to become part of the program, I figured it would be more beneficial to my customers not to get involved with a company that suggested I raise the prices on my vehicles to cover the cost of the program.

Second, I suggest to anyone before purchasing a used vehicle, take it to a mechanic, not one suggested by the dealer, and have the vehicle checked out for yourself. Most dealers purchase vehicles from auctions. Its not that auctions are bad places to purchase vehicles but you don't know how they were maintained. Personally, our car dealership went over the cars as best as we could and told the customer as much as we could about the vehicle, good, bad or indifferent.

Dealers can not forsee when vehicles are going to break down or what type of repairs is going to be needed down the road. Another dealer always told his customers, "I'm in good shape right now, but can you guarantee me I'm not going to have a heart attack tomorrow." I agree with Steve in Florida, most repairs come from neglect of maintenance.

Third, most warranties that are available on used vehicles are not worth the paper they are wrote on. We had warranties available to our customers but never pushed any one into purchasing them. A few customers did purchase the warranties and some had no luck getting the warranty company to cover any repairs that might have needed to be done. Warranty companies seem to want to place the blame back to the comsumer for lack of maintenance.

In conclusion, if you plan on purchasing a used vehicle, before signing the papers take it to a mechanic. If the dealer has a problem with you taking it to a mechanic, then don't buy the car. If you purchase a warranty, be sure to read it carefully. Most warranties have a lot of exclusions in small print. Hope this helps someone.

Steve,
I am well aware that with any vehicle used or new the fluids are to be checked. I'm not totally stuck on stupid. The oil was changed on time and all other fluids checked everytime it was in and out of the repair shops. I was told by the last repair shop the Wynn's adjuster stated I was sold a lemon! The dealer rigged the 2000 olds bravada for a quick sale. When purchased the suv had 93-94 thousand miles with the purpose of starting a small business. For the kind person with the helpful advice you can reach me (((ROR REDACTED EMAIL FOR SECURITY PURPOSES)))

Tuwanna,

First, you never mentioned exactly what make and model you got or how many miles it had on it, but ANY used vehicle you buy, the very first thing you should do is take it somewhere and have all fluids checked/changed and also have the radiator flushed and pressure checked.

This is because you never know what someone else put in the vehicle as far as type and quality of lubricants, coolants, etc.

Most problems like the ones you experienced are caused entirely by neglect. This can be simply not checking fluids, etc, and/or driving with a known problem that causes other problems.

For example, driving with a cooling problem will in most cases cause engine and transmission failure. Overheating is the number 1 killer.

Then there is the person who wants the $12.99 oil change and wonders why there engine blows up.

Preventive maintenence is the key, and a warranty company can deny repairs based on lack of maintenence, oil changes, etc. It is all in the fine print.

As far as your heater core, it was probably bypassed by the previous owner. because even with a clogged or leaking heater core you will still get some heat.

As far as the engine goes, if they do a simple oil analysis and find that it had the wrong oil in it or extremely broken down oil, etc. they can and will get out of fixing your engine.

Good luck.

No dealership has to give a 30 day 3000 mile warranty by law. The buyers guide is either as/is or warranty, with the warranty details spelled out. There is no required minimum.

quote from the FTC:

The Buyer's Guide will state whether the vehicle comes with a warranty and, if so, what specific warranty protection the dealer will provide. The guide will state if the vehicle has no warranty ("as is") or comes with an implied warranty only.

Hi,

I have financed over 500 vehicles through Credit Acceptance. They arent a bank but a collection agency. They will report ontime payments to all three credit bureaus, you know this, however, do you have the Wynn's or DDG (warrantech) warranty?

The dealership also BY LAW has to give you a 30 day (MINIMUM) 3000 mile warranty also. This is supposed to be on the 'buyers guide.' You should have a copy. Doing the paperwork more than once means your finance mgr sucks at his job. That is stressful to the consumer. The dealership MUST HONOR the heater core, is the warranty company saying due to overheating they arent covering the other problems? Stupid dealerships dont want to honor the buyers guide LAWS. they wait the thirty days and stick it to the warranty company so the dealership doesnt have to pay.

You definately need to fight this. Why would you take a car payment of over 400? thats sticky, you should have said no way, too high. The finance guy could have rolled it at 48 or 54 months and you'd have a payment around 290 to 320. You may have needed another 500 down though.

Do yourself a favor, dont give up! call (((ROR REDACTED PHONE NUMBER FOR SECURITY PURPOSES))) and ask to speak with a supervisor. Explain what happened. They may call the dealership also. Call your attorney and let me know who your warranty co is. I need the number for the dealership too.

Steve (retired finance manager)
(((ROR REDACTED E-MAIL ADDRESS FOR SECURITY PURPOSES)))


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