Product: Consumer Loan

In XXXX XXXX after a car accident that had left our car totaled, and we were patiently waiting to hear from XXXX XXXX about a new car they were offering for us as replacement. Nearly a year went by without hearing from XXXX XXXX so traveled from XXXX, XXXX to XXXX XXXX XXXX, where we bought the car that was totaled at XXXX, and financed through XXXX. 2 years of payments up to date, only a few times was it a week late. But our relationship was good with XXXX and we had 4 % interest. 

As other letters stated we were severely identity theft and there was a lot of false creditors on our credit report that we were trying to resolve. We supplied XXXX with police documents and other proof of identity theft as well XXXX the sales lady made it very clear that on her computer she saw a person named XXXX was illegally using my credit. Now at time we sat down she said they be no issues getting a car due to our great credit history with lender of last car we got from them and we paid 4 % interest. We also were told {$1000.00} down would originally be plenty. 

We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. 

In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. 

So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. 

So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. 
And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering