Consumer complaint received 2021-02-11
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today was my second call within the year to XXXX XXXX XXXX to try to answer some questions and resolve an all-around horrible lending practice from the start. 

Starting 2013 when I proudly walked into the dealership with {$2000.00} down for $ XXXX vehicle. I was ready to be back on my toes and thought there was no way this couldn't be affordable for me. The " trusted '' sales associate states " Credit Acceptance will not finance without with service warranty & GAP ''. My father warned/said don't buy it but I caved because I wanted to be proud as a XXXX mother of XXXX. Now nothing is how I had planned walking into that situation. Gas prices jump, I drive 70 miles round trip for work, I'm stuck with a vehicle I can't afford that I should have been able to. Shame on me for trusting my friends step-dad ( XXXX ). 

My insurance lapsed because I can't afford it. I get in a horrible accident, I borrow money from 401k to fix it but I'm still sinking. I finally let it go, I don't defend my judgement bc once again, I believe it will be fair. Only to find out, I was taken for every red cent. Salt in the wound. Years later only to find out that I was misled/lied to from the jump, I didn't have to pay for those things & maybe I wouldn't have sank. 

I've called XXXX XXXX XXXX XXXX twice. Initially, to see how I can end this haunting experience & move on with my life. The worst part is I'm now third company in ( XXXX, Credit Acceptance, XXXX XXXX  XXXX ) and the deceit hasn't stopped. 

First time calling I would reference the payments made ( garnishments ) and she continued to taunt me stating I didn't make those payments and they were taken under garnishment, refusing to acknowledge that regardless they were total payments. I requested settlement offers, she said I had to give an offer while refusing to acknowledge the garnishments as payments from me. 

Today I was requesting detail on how a credit was established in my " Explanation of Deficiency '' and was given a big run around. " I'm sorry, I wouldn't know what you were referring to ''. " Remember, we are a law office, we wouldn't have that information ''. " Sounds like something Credit Acceptance sent you ''. When asked if she could get access her response " I could probably try to find it ''. Playing a if the LAW office who presented the judgement to the courts would not have this on file? Deceit. She ended with " So you want validation? '' I said " No, I want clarification ''. 

It took be 34 years to fully understand my rights. I'm not thrilled that lies & deceit are still being practiced in the debt collection offices. Both times my requests were ignored and tried to construe the requests and make me agreeable to less than I was asking for. Please rectify. 

I put my life on hold and buying a house because of this mess. Started by one person, to a company who would allow such horrible borrowing practices, to a LAW firm who doesn't care why so many people failed with this type of lending/ company and supports their decision to sue for all {$8000.00} interest on {$10000.00} car and still charges me $ XXXX/day that it's unpaid. 

Also prior to court hearing, I informed XXXX XXXX XXXX to contact my bankruptcy lawyer going forward, to which my understanding they did not, and continued with the judgement request unbeknownst to him.

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