Consumer complaint received 2018-08-10
Company: QUALITY ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX company response Thank you for your inquire with Quality Acceptance ... 
Unfortunately Quality Acceptance has responded with information and alleged dates, and times, that are very inconsistent with my document/records. Also in this response Quality Acceptance has again fail to mention or validate this claim with any records that I requested XX/XX/XXXX. Without the proper paperwork I am unable to confirm Quality Acceptance own this debt, nor can I confirm that I am obligated in any way. It's inappropriate and unethical to make a claim without the original note.. Due to the facts that Quality Acceptance has not been very forth coming with any truthful Information about this loan, nor any truthful information surrounding the  repossession of vehicle. After the confused and mis-information I received, It was out of good faith that I requested records over the phone twice, I was reassured both times, that it would be in the mail. I've never attempted to reinstate this this loan in any way after XX/XX/XXXX. I only requested records, because I started questioning the legitimacy of Quality Acceptance in its entirety. XX/XX/XXXX is when they repossessed the vehicle stating several different reasons. I was told {$1300.00} was needed in order for them to return vehicle, an extra {$350.00} for the return of property. Three days later I called to pay a ransom, that was being demanded. I was told that it was sold at an auction that morning for {$17000.00} and there was nothing I could do about it. After that day I had know other reason to call Quality Acceptance except to give the a current address so they could mail the requested records.. I have submitted records from My XXXX XXXX XXXX account for the records to reflect that Quality Acceptance withdraw payments automatically starting XX/XX/XXXX due to the facts, that I completed the form for auto pay at the dealership before I ever received keys XX/XX/XXXX. After speaking with my banker I was told that Quality Acceptance was the only one who could have cancel it.. I don't know why Quality Acceptance was unscrupulous in their dealings and continue to carry on like this isn't damaging my name.

Quality Acceptance continues to unscrupulously report my information to the credit bureau, they also in the response letter claims that I made statement that I never made. I was never mailed any records and I can not satisfy any debt without claim that I can't verify.. please send me the information please.. 

Conclusion on XX/XX/XXXX I sent Quality Acceptance a certified letter # XXXX XXXX XXXX XXXX XXXX validate the debt 15 U.S sec 1692g. 




1. Furthermore, Quality Acceptance continues to conduct itself in dishonor and in bad faith by submitting false information on the record but has fail to submit anything valid for for records.. 
. 
2. Furthermore, I have provided my XXXX XXXX XXXX statements showing all auto pay Electronic transactions by Quality Acceptance starting XXXX rebuttal to 3. Quality Acceptance statements of false occurrences and dates allegedly communicate with me. 

4. Further more, on XX/XX/XXXX Quality Acceptance received a certified letter requesting for validation of debt and as of XX/XX/XXXX my request has went unanswered. 

Quality Acceptance is the true creditor, or holder in due course.

In violation of the Fair Debt Collection Practice Act Sec. 1692g-Validation of debt. ( a ) NOTICED OF DEBT I XXXX XXXX has requested records that are necessary for in a attempt to satisfy this claim, and is unable due to a willful acts of Quality Acceptance, and I am demanding that they correct the record on any mis-infor-mation dealing with my person immediately. I am being damage everyday since XX/XX/XXXX daily if this continued I won't hesitate to filed suit for more then what this relationship has cost me already..

Company response to consumer: Closed with explanation