Consumer complaint received 2018-07-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the XXXX XXXX.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 4.While vehicle sat for a week, I had a mobile Co. conduct a  diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon PVM closing. 10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 13. In return, Credit Acceptance accepted a forged fraudulent contract from XXXX that I never executed ( See Attachment ). I never gave {$2000.00}. I furnished XXXX {$900.00} cash. I am confirming that I NEVER authorized a electronic application to be submitted on my behalf ( See attachment ). Credit Acceptance stated and informed me that they conducted an on-site visit to XXXX when they were operating however, Credit Acceptance NEVER provided confirmation of what agent, time and date conducted such a thorough investigation of the dealership XXXX. All documents submitted to Credit Acceptance were electronic forged signatures. Credit Acceptance continues to honor the electronic submission without due diligence and transparency to consumers ( me ) .. Credit Acceptance continues to report inaccurate damages to my credit report in which I have no vehicle to date and can not purchase a vehicle due to Credit Acceptance unverifiable credit reporting based on the dealership ( XXXX ) deception and fraud practices. Credit Acceptance is reluctant to explain in detail my concerns and resolve dealership fraud. I have no vehicle and Credit Acceptance have no clue of where the vehicle is located, but they continue to harass and forward me letters stating I owe $ 4,000+ money to them. From my understanding, all other dealerships would have confiscated the vehicle, sold it, and forward me a judgment for the difference. I have not received nothing to date. I would like to detailed explanation addressing my concerns in detail.

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