Consumer complaint received 2020-02-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Under North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. Credit Acceptance ( C.A. ) has failed to honor NC law in a timely manner, in addition, C.A. has misrepresented itself by stating to the consumer it is a debt collector, in contradiction, the NC Department of Insurance has confirmed that C.A. is a " standard finance company, NOT a collection agency ( view attachments Exhibit # 1 & # 2 ). C.A. it has been confirmed that C.A. without documentation of a thorough investigation accepted fabricated documents from the Dealership ( XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NC XXXX-XXXX  ) without sufficient information to conclude that the consumer did not authorize the electronic contract ( See attachment ). To prove professional negligence, fraud, and professional misconduct between the dealership and C.A., the dealership never responded to the NC Attorney General ( See attachment ). Moreover, the consumer filed a complaint with the NC DMV License and Theft Bureau and the investigator could not locate the fraudulent dealership who was supported by C.A.. The dealership ripped numerous consumers off and could not be found. I filed a I.D . theft report with FTC since Credit Acceptance NEVER conducted a thorough investigation providing a time, date, agent I.D., and report number that should have concluded with a detailed explanation of the investigation. C.A. lied to the consumer but conspired with the dealership to conduct an unlawful transaction. C.A. stated that they can not locate the vehicle, nor dealership and will not repo the vehicle because they have no interest, but C.A. continue without merit report to XXXX  and XXXX a debt that I never authorized electronically. The numbers are fabricated. The dealership submitted documents that display my incorrect address, down payment amount, no notary seal etc, and some documents were electronically submitted and others hand written by dealership ( see 1st attachment 1 thru 11 ). I received copies from C.A. after numerous disputes. XXXX  removed C.A. from my report due to unsubstantiated credit reporting. C.A. is trying to collect even while approaching the expiration of this unlawful debt that is unsubstantiated. 

I purchased vehicle on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX ) / Salesmen : XXXX  ( last name unknown ). 
I put down a cash deposit of {$970.00} and incorrectly contract states {$2000.00} XX/XX/XXXX, vehicle breaks down, vehicle was towed to residence at owners expense and diagnostic completed by XXXX XXXX XXXX  at owners expense ( See Attachment ).

XXXX / XXXX  states and confirms with consumer and Credit Acceptance that XXXX XXXX will pick up vehicle repairs XX/XX/XXXX. 
XXXX picked up vehicle. 
During a 60 day period XXXX stated via archived voicemail to consumer that vehicle is being worked on and fixed with XXXX mechanic. During this 60 period, consumer rented numerous of vehicles to commute to work at consumers expense. 
XX/XX/XXXX, XXXX via voicemail offered loaner vehicle in exchange that consumer remove XXXX  complaint per XXXX  ( salesmen ) XX/XX/XXXX, XXXX stated they were closing and consumer will need to pay {$1000.00} to mechanic for repairs due to consumer damages. 
XX/XX/XXXX, consumer requested a mechanical report from XXXX. XXXX nor XXXX mechanic furnished request. 
XX/XX/XXXX thru XX/XX/XXXX, consumer started receiving harassing calls from numerous individuals trying to represent XXXX saying " turn in our loaner vehicle '' call stopped after XXXX Police were notified. 
XX/XX/XXXX after vehicle location was shared from Credit Acceptance Finance Co the mechanic within days moved to another undisclosed location without notice of where my vehicle is and XXXX stated to stop all communication within because it was harassing. '' At approximately XXXX EST on XX/XX/XXXX while at work, I walked out to get my lunch from the loaner vehicle that XXXX  XXXX XXXX provided in lieu of repairing my XXXX XXXX that location and status are still unknown from 60 days ago ... the loaner is gone with my lunch and most importantly private and confidential documents that I need for my court dates.. Yes, someone at XXXX XXXX XXXX came and took the loaner vehicle unannounced. I have no clue where the loaner is nor my personal property. End result, now I have no personal vehicle that I purchased on XX/XX/XXXX from XXXX XXXX XXXX, no loaner vehicle, nor my personal confidential information that includes SS # and DOB documents. Please help me retrieve my important personal items ... To date XX/XX/XXXX, XXXX XXXX XXXX fail to provide the location of my personal vehicle, XXXX XXXX XXXX reps fail to disclose their full names and location, updated mechanical report of my XXXX, in addition stated via email on XX/XX/XXXX at XXXX EST that my items will be dropped off at a Police Station and to date I have not heard nothing in relation to where to retrieve my personal items and vehicle. This is not how business is conducted. This all a scam and C.A. conspired with the Dealership and continue to do business with them which is undisclosed.

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