Consumer complaint received 2023-12-31
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I, XXXX XXXX, original creditor and natural woman hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with Credit acceptance. 

I entered into this agreement with Credit Acceptance without : I. Full disclosure of my right to rescind XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; Ill. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 6 CFR 433.1 16 CFR 444.3 I have reason to believe that Dealership Name willingly and knowingly took advantage of me and my consumer credit.I am terminating or canceling this contract, I due to the dealer selling a defective product that consistently need maintenance do the manufacturer defects ( safety recall ) ; this has been a inconvenience considering XXXX XXXX never has opening ; the car requires a lot of work and time which affects my daily life. Furthermore, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) ; The Federal Trade Commission has determined that the following practices involving the sale of damaged or defective merchandise are unfair or deceptive trade practices and are unlawful under Section 5 ( a ) ( 1 ) of the XXXX XXXX XXXX XXXX. It is an unfair or deceptive trade practice knowingly to deliver merchandise which is different from the floor model or sample displayed to the customer at the time of the purchase. 
Credit Acceptance willingly and knowingly violat

ed 15 U.S. Code 1662 - Advertising of downpayments and installments ( Exhibit 1 ).

I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission ; In addition, I was given false and deceptive information, as I was informed that a down payment of {$2500.00} was needed for me to drive off the lot. Notice of Penalty Offenses Concerning the Sale of Merchandise Which is Damaged or Defective or Different from That Ordered e ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )., XXXX F.T.C. XXXX is an unfair or deceptive trade practice to fail, within a reasonable period of time, to adequately repair or replace merchandise known to be damaged or defective or to replace merchandise different from that which the customer ordered, or fail to make other adjustments within a reasonable period of time in accordance with any promise made to a purchaser. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXXXXXX XXXX downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance the dealer and his co-partners didnt not provide adequate disclosure upon selling this defective vehicle. There was no lawful and valuable consideration which was also never disclosed and failing the good faith requirement ; no Lawful terms and conditions. 





WITHOUT PREJUDICE XXXX XXXX, i.e., all Natural Inalienable Rights Reserved XXXX XXXX XXXX XXXX CFR XXXX CFPB XX/XX/XXXX sent According to FCRA and XXXX Truth and Lending Act Credit Acceptance continuously violates my federal protected right and sold me a defective product. 
I, XXXX XXXX, original creditor and natural woman hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with Credit acceptance. 

I entered into this agreement with Credit Acceptance without : I. Full disclosure of my right to rescind XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( XXXX CFR 360.6 ( 2 ) ) ; Ill. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 6 CFR 433.1 16 CFR 444.3 I have reason to believe that XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.I am terminating or canceling this contract, I due to the dealer selling a defective product that consistently need maintenance do the manufacturer defects ( safety recall ) that was sold on the value of a non defective product ; this has been a inconvenience considering XXXX XXXX never has opening ; the car requires a lot of work and time which affects my daily life. Furthermore, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) ; The Federal Trade Commission has determined that the following practices involving the sale of damaged or defective merchandise are unfair or deceptive trade practices and are unlawful.

TILA VIOLATIONS : Credit Acceptance willingly and knowingly violated 15 U.S. Code 1662 - Advertising of downpayments and installments 15 U.S. Code 1692c Calling all times of the night/day harrassing me even when payments that were made.

15 U.S. Code 1692c ( 1 ) 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer ; continuous calling non-stop even when payments are made. 

The vehicle has been voluntary returned to the dealership address XXXX XXXX XXXX XXXX as of XX/XX/XXXX. 
Cease and desist

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