Consumer complaint received 2020-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The Credit Acceptance Company was granted the right to garnish my wages beginning XX/XX/XXXX. Issue one is that i had no prior knowledge of this. There was no contact with me to try and work something out. I was notified of this garnishment by my HR on XX/XX/XXXX by email. 
Issue two I already have a trumping 25 % deduction come from my gross income. Needing what I make to care for not only myself but also my XXXX  nephews and my XXXX. Who was recently injured and unable to fulfill his job requirements. That Monday XXXX XXXX XX/XX/XXXX to beg for them to stop the garnishment. Would receive voicemail leave a detailed message. As of XX/XX/XXXX I am still waiting for a response with no relief on my pay I will receive XX/XX/XXXX. Leaving me in a position where I must have been forced to look for another job to help ensure the care of my family is met. 
Issue 3 when I agreed to obtain this vechile the loan I amount agreed to was around the XXXX dollar mark. I took possession of the vehicle in early XXXX payment arrangements were settled at around 220 every two weeks. ( Which equaled up to 440 monthly. ) May have been late and also one recovery of the vechile in XXXX. That I will not denie however they didnt repo the car untill summer of XXXX. Moral being from looking at their outstanding balance which reflects ofer XXXX. Which I honestly do not agree with due to having made pmts for 2 years. Then once they did repossess the vechile I continued contact, at which time I was informed XX/XX/XXXX the vechile was being sent to auction. I was informed and insured they would contact me with action price and balance left on account. At which time I was also informed that from that there would most likely be a XXXX balace due to not oweing much more towards the loan. I accepted the information and waited for futher contact on this information. Unfortunately it never came and was unable to connect with them due to time issues. ( My work start/end and their hours. So contact was never connected. ) I was continuously dircted to a voicemail. When I requested to speak with someone that was available I was left with zero information as an ending result. This was due to represnitve not having knowledge of my account. So I was left with no alternative to finding out any information. After about my XXXX call I was informed that the representative that was in charge of my loan information/ payments ect. wasnt going to be in the office for about two weeks due to prescheduled vaction time. Was informed apon her return she would contact me. It was at this point i decided to wait for her to reach out. It was at this point all contact was lost and never regained due to not fault of my own. 
Years later I only recive court documents that were not even sent to me personally but left to the hr department at my job to provide them. Then looking over the estmated pay off date of XX/XX/XXXX is impossible to reached. At this time I feel as though this was done without my knowledge or consent. Which takes from my income I use to provide with. Futher more punished for their lack of communication. For I made many attempts to reach out with no answer or resolution. Nor the exsact information regarding the auction price/full amount of payments deduction/ and final ptice owed. 
Now I am back at square 1 with the lack of communication and garnishments equaling out to 50 % deduction as well as medical and taxes. Placing great strains on ensuring the basic needs of my family are met.

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