Consumer complaint received 2018-06-29
Company: American Credit Acceptance, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I submitted the following complaint to the CFPB on XX/XX/XXXX. Complaint number : XXXX. 
The company American Credit Acceptance refused to provide a response to the complaint and based on the information contained in the complaint, I was unable to have the State where the vehicle was left, to removal the vehicle. I was advised that the vehicle was no longer present. American Credit Acceptance has refused at every point to contact me in writing as requested from the beginning of my issues with them. They refuse to respond to the CFPB as well. The company has removed the vehicle, made false and defamatory accusations about me, and recently sent me an unsigned ( no wet ink signature ) notice from XXXX XXXX ( Chief Operation Officer ),  demanding payment for the balance of the loan. I signed into my online account with them and while I have confirmation that they received my records update request to place my email on my account, the account does not reflect that change. American Credit Acceptance refuses to respond to the CFPBs contact and I am requesting an escalation and review of my account by every applicable regulatory body / federal agency. I have no option at this point other than to file a personal bankruptcy due to my inability to meet the demand of a balance in full payment nor to pay for a broken vehicle sold under a predatory deceitful loan. Due to their willful negligence and refusal to provide responses, I have no choice but to file a CFPB complaint for every interaction I have to have with them because they do not respond to emails, nor secure messages on their customer portal system, nor correspondence to their corporate address. Please advise ACA of my notice to file bankruptcy. I already mailed a cease and desist for any contact from American Credit Acceptance, their agents, or third parties. They are prohibited from contacting me and continuing their verbal aggressive harassment towards people I know or people they have traced with a known association to me, from ACA and its asset recovery company in house and contract ; via phone, postal mail, nor electronic correspondence. They demonstrated their refusal to comply with the law and I refuse to allow them to bully me as they have other customers. Both the bankruptcy notice and cease and desist notice should be forward to their internal and external collection agency partners should they attempt to short sale the debt in order to attempt to deflect or absolve themselves of the responsibility of the suit to follow. Given their record of non-communication in writing related to my account, I have to make a formal complaint and filing each time I need to contact them for my own protection. They are an abusive company who actively breaks regulations in order to cause their customers harm. Additionally the class action suit I intend to file on behalf of any other affected Virginia residents by the predatory lending scheme by American Credit Acceptance will include requests for all records ; to include credit reporting records, phone records from ACA and call recordings, interoffice records to include electronic records, correspondences and instant message system software related to my account as well as the accounts of any other plaintiffs in the suit. My case against them is not an isolated incident, and every intentional abuse or violation of the state and federal laws in place to protect customers, which ACA willfully ignores is going to be heard for all of the affected customers. The company has refused resolution. - This is a request for escalation of an investigation into the company as well as their open and pending lawsuits related to predatory lending, financial crimes against their customers, as well as investigation into my current complaint and the previous complaint. Complaint number : XXXX. I was never told that 100 % of my second car payment to ACA on XX/XX/XXXX (  {$820.00} ) would be applied to interest and nothing to principal. If a person was properly explained the crimes and predatory aspects of how ACA structured the loan, they would not sign on bad loans for cars with them, defective nor otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation