Consumer complaint received 2024-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've issued a XXXX to Credit Acceptance on XX/XX/2023, and have been denied my right to see the accounting and general ledgers on all debits, credits etc., but they've avoided showing the books by all cause. They were given multiple opportunities to not only remove the information from my profile in which I did not give them any consent, but to also prove that I owe them anything pursuant to an " alleged loan that they so called gave me according to their representatives. '' They are also committing language fraud by use of certain words when it clearly states in their XXXX and XXXX XXXX XXXX documents at the top that they " DO NOT COMMIT LANGUAGE FRAUD '' but they do just that. It says that they've signed in their security agreement with the XXXX XXXX under 17 CFR 424, that they will not commit language fraud or solicitation. I've also sent to them registered endorsed dividend bond securities that's owed to me as a silent investor, but yet they've kept them indicating they don't owe me anything. XXXX XXXX can contest these events and is willing to be a witness to more than a couple incidents in this regard. They even went as far as telling me in writing that I don't have any rights and verbally as well. We have some of these phone conversations including them telling me that they couldn't accept anything other than a certified Bank check before stealing my consumer household goods. 

Prior to stealing my household consumer goods without just compensation, I warned them that they were breaking the consumer laws by ignoring my right to rescind any portion of the alleged XXXX sided agreement that I allegedly gave them consent to do. However, I believe that my information and signature may have been copied and pasted on other documents in order to bind us to these XXXX sided agreements by the dealer in which is unethical and fraudulently, including document forgery. I've also indicated to them that no one from their corporation showed up in person to give me any loan or money. Another thing that I've mentioned to them in the Affidavit regarding the rescission of my signature is that I do not want them to sell my information and to opt me out of that, including opting out of all the rights and interest given to them by trickery and usury and they replied that I don't have that right to do that. If this was done with false and misleading practices, then I have every right to take it back. 

The federal reserve states that banks and financial institutions can't lend on their own money. However, according to a friend of mine who has their own financial institution that lends to other investors, in which indicated that they pool notes from depositors or investors and lend other people 's money on fractional reserve including using certain IRS forms triple dipping. Their actions are contrary to 12 USC section 1431, XXXX and Duties of banks. The most troubling piece to this by far is that I've found out through a third party that they've made millions from my signature recently and my cosigner signature in the past constantly selling the same contract over and over again without even compensating us for the use of our signatures, because without us putting our signature on that document bringing value to it, then they couldn't make any profit or interests. For this matter, I've invoked the IRS for identity theft and tax evasion and how they are moving the money around that they are stealing from consumers. They used my household goods as a way to extort more money from me other than the note ( aka ) security that they received from me. As before and after taking my consumer household goods. They've used both the so-called contract as an asset including my personal property ( aka ) household goods. This is pure greed, usury slavery/peonage, fraud in the factum, deception, racketeering, theft by stealing our interests and putting it all into a pool with other investors while moving it all into trust for their indenture trustee to manage. Charges shall be brought upon all of these criminals and I'm seeking that all of their businesses and personal bank accounts be frozen until investigation is completed. I will be also sending the most recent affidavits that they've avoided to reply upon what was being requested as evidence, including an affidavit of truth for them to sign under penalty and perjury in good faith but was ignored, which validated and indicates their fraud and deception. I've sent them a notice in regards and now they are in default for failure to respond. Tracking # XXXX XXXX XXXX XXXX XXXX Received XX/XX/2023 at XXXX. 

In regards to the people running Credit Acceptance with the purpose to commit fraud in the factum : to remedy this situation, the only option after violating all of my rights, for identity theft under 5 USC section 522a causing me severe damages, XXXX XXXX XXXX, invasion of privacy, selling private information to third parties without my written consent, with fear of loss of credit opportunities, losing multiple opportunities, completely embarrassing me disturbing the peace when they've stolen my property without just compensation. I'm seeking for them to remove the account from my credit profile. I'm also seeking for the FTC and FBI and IRS to investigate these matters as well for all other consumers. I no longer want to waste anymore time going back and forth with these individuals who are running these fraudulent businesses stealing money and interests from the true creditors. Something has to be done immediately about this because they will continue to violate me and others without any respect to the consumer laws or law in general. They are using Delaware XXXX because they can get away with fraud. Furthermore : I'm demanding that none of their XXXX or XXXX reach me or get involved in these matters because they have no first-hand knowledge of these matters and anything they say is hearsay. My issue is with the people who are hiding behind companies violating my rights by committing fraud in the factum, language fraud, and by deception to get wealthy. If any Attorney/Lawyer continues to help them, then this will only prove that they are aiding these individuals and they are also shall be treated as willful participants as for contributing to these actions. 

This is due to the fact that they know exactly what these individuals are doing but yet they participate in these illegal and unlawful actions willfully for currency. I refuse to accept anything else including any arguments from any of these people considering the fact that they waved all opportunities to cure these matters and it will only be a stalling tactic as usual. I've never even received an opt-out notice from these individuals, although I've already written to them in writing to opt me out over eight months ago but they refuse to do so. So with that said, I " demanding for the owners, representatives, board members of Credit Acceptance, including the information I've already disputed multiple times with the XXXX XXXX to opt me out : I'm demanding for this company to opt me out under 16 CFR section 313.7 Forms of opt-out notice : ( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Also to remove the disputed accounts from my credit profile immediately. Again, the documents that I've sent to the borrowers at Credit Acceptance, I will be sending the same documents to the CFPB, the Attorney General, the FTC, the FBI, and the SEC, so that charges such as conspiracy against my rights, racketeering, identity theft by misrepresentation of my information and other, extortionate credit transactions, fraud in the factum and more, can be brought up against these people. I urge the FBI and the FTC to freeze both their personal and business assets to investigate this. Furthermore : I have a private company that is doing an audit including accounting as well, so that I remain compliant. I refuse to go back and forth with them because it is a stalling tactic and no one from their company has first hand knowledge of the facts but me. No one stepped up to rebut these statements in good faith under penalty and perjury.

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