Consumer complaint received 2021-07-23
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!! CREDIT ACCEPTANCE CORPORATION HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY as pursuant to 15 usc 1611. Credit Acceptance Corporation has violated my federally protected consumer rights under 15 usc 1692 and 15 usc 1605 during a consumer credit transaction on XX/XX/XXXX for a used vehicle. I am the consumer and original creditor, and NATURAL PERSON i do not validate the alleged debt. As pursuant to 15 usc 1605a the finance charge should be the sum total of everything. In exhibit A there are three different charges, including a cash down payment. Which is also a violation of my federally protected consumer rights as pursuant to 15 usc 1605a, the finance charge doesn't include a type payable in a comparable cash transaction. Which is also clearly stated in Exhibit A, that the transaction was a consumer credit transaction. Yet there was a fraudulent loan that took place.I ask can CREDIT ACCEPTANCE CORPORATION define the term " Loan '' to me under the FDCPA? As pursuant to 15 usc 1692j a false and deceptive form was furnished in connection with alleged debt in the form of a contract, which CREDIT ACCEPTANCE CORPORATION claims is a " Loan ''. I have reached several times to correct this issue with Credit Acceptance Corporation, including asking for validation of debt and as pursuant to 15 usc 1692g Credit Acceptance Corporation has not done so. They have willingly and knowingly been non complaint and have damaged my reputation. Which is also a violation as pursuant to 15 usc 1692d ( 1 ) damaging my reputation. I have reached out to the CFPB and XXXX, Credit Acceptance Corporation has caused so much stress and pain mentally and emotionally in my life that enough is enough. Due to the attack on my reputation and inaccurate reporting, i am unable to provide for my family which is very devastating. Pursuant to 15 USC 1692c ( c ) I have notified CREDIT ACCEPTANCE CORPORATION in writing that I refuse to pay this alleged debt, and I am demanding that CREDIT ACCEPTANCE CORPORATION cease all forms of communication with me through any and all mediums. But CREDIT ACCEPTANCE CORPORATION still communicates with me indirectly about the alleged debt, through false information furnished on my consumer report which violates 15 usc 1692c ( c ). Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Return all payments made on account as pursuant to 15 usc 1692h. Pay total cost of consumer credit transaction including down payment. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. I will also be mailing the copies of AFFIDAVIT, CEASE AND DESIST, DEBT VALIDATION, INVOICE to the Attorney General. These documents were also certified sent to Credit Acceptance Corporation XX/XX/XXXX.

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