Product: Vehicle loan or lease

I, XXXX XXXX XXXX, the undersigned, am submitting this formal complaint against ACA, XXXX Police Department, XXXX XXXX XXXX XXXX, and any other parties involved, regarding several actions that have resulted in violations of my consumer rights under the Fair Debt Collection Practices Act the Truth in Lending Act and other relevant consumer protection laws. On XX/XX/year>, I provided a Tender of Special Deposit to settle the obligation on my collateral ( a vehicle ) to ACA via XXXX, as per the agreed-upon settlement terms. The Tender of Special Deposit was signed by XXXX XXXX, an authorized representative of ACA. After 30 days had passed without receiving the title to my collateral, I never received any further communication about the tender, despite their official receipt of the document via XXXX. I did not receive any normally sent statements, nor any notice of the denial or stipulation of the tender as a valid settlement for my collateral. Furthermore, no communication was received acknowledging the transaction or indicating any issues with the deposit provided. On XX/XX/year>, an unmarked tow truck arrived on my private property and took possession of my vehicle ( collateral ). Upon inquiry with ACA, I was advised to contact the police and report the vehicle as stolen. I contacted the XXXX Police Department, who informed me that the vehicle had been repossessed and that the company handling the repossession was XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX with the information provided by the police, and they denied having the vehicle in their possession when I called on XX/XX/year>. ACAs XXXX XXXX, also called XXXX XXXX XXXX XXXX, and was told the collateral ( vehicle ) wasnt there. When asked to give the CEO information, XXXX refused to provide the name or any information regarding the CEO of the company. She also stated that it is not in their Standard Operating Procedures ( SOP ) to respond to whether they accepted or denied the XXXX XXXX XXXX XXXX that was sent to them. Furthermore, XXXX stated that ACA is not responsible for the whereabouts of the collateral. She further instructs me to call the police again, and she promised to call before the end of the business day, but never called back. I followed up with a call to the police, they told me that XXXX XXXX XXXX XXXX report the pickup of the collateralwhen I explained what they didnt have it, they then gave me another tow company by the name of XXXX XXXX. I called them, and they didnt have it. I was told a police XXXX would to file my report. I am still waiting for the police XXXX to come out. Violations : Fair Debt Collection Practices Act ( FDCPA ) : ACA, as a creditor, failed to provide adequate notice of the status of the tender that I submitted. Their failure to acknowledge receipt and their subsequent lack of communication is a violation of FDCPA guidelines requiring clear, written communication regarding the settlement of debts and the return of collateral. Truth in Lending Act ( TILA ) : ACAs failure to send a notice of settlement or an updated bill after the Tender of Special Deposit was submitted is a potential violation of TILA, which mandates that creditors provide consumers with clear and accurate information about the status of their loans, including the settlement process. Unlawful Repossession and Conversion : The vehicle was removed from my private property without proper notice or any communication indicating that ACA intended to repossess the vehicle. This unlawful repossession, under the Consumer Credit Protection Act, violates my rights as a consumer. Negligence and Failure to Act : ACA, Lost Prevention, and XXXX XXXX XXXX XXXX have failed to disclose the whereabouts of my vehicle and are providing conflicting statements, preventing me from taking appropriate action. This neglect further exacerbates the situation and leaves me in a state of uncertainty. Inadequate Response and Failure XXXX XXXX Police Department : The XXXX Police Department failed to properly investigate the situation and provide timely assistance in recovering my vehicle. They failed to enforce my rights as a consumer and allowed the repossession without verifying whether it was conducted lawfully. Failure to Provide CEO Information and Transparency : Violation of good faith and fair dealing, as outlined in XXXX XXXX, for refusing to provide fundamental information, including the identity of the CEO, and denying communication on the acceptance or denial of settlement terms. In Conclusion, the actions of ACA, XXXX XXXX XXXX ( 3rd party for ACA ), XXXX Police Department, XXXX XXXX XXXX XXXX, and related parties constitute clear violations of my rights as a consumer, including failure to provide accurate and timely information, illegal repossession without notice, lack of accountability regarding the location of my collateral, and the ongoing accrual of fees despite my settlement efforts. I respectfully request that the CFPB investigate these practices and take appropriate action to hold these entities accountable for their violations.