Consumer complaint received 2023-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
First and foremost, Credit Acceptance has been getting away with fraud for so long that you think it is truth and what you say is the Law. I know the law. I am not obligated to do anything regarding any contract when misleading, deceptive, and unfair practices are involved. Therefore, the account in question is invalid, cancelled and paid in advance as I stated in my last letter. Once again, I did not receive a welcome letter on XX/XX/XXXX, from your companies saying anything about reporting late payments, missed payments or other defaults. I have the right to say I do not want to participate in that. CREDIT ACCEPTANCE is a financial institution. 
Financial institutions need your consent to disclose any non-personal information to any third party. 15 USC 6802 ( B ) ( 1 ) ( B ) clearly states you have to get my consent before releasing non-personal information to any third party. Just to be clear, this goes for the credit bureaus, repossession companies, collection agencies, and this list goes on. The documents you attached about the disclosure I have never seen, witnessed or acknowledged. I do not have copies of those documents, only you and your companies. I should have received every single page of the contract. This is deceptive violation since Credit Acceptance and the car dealership are hiding and not presenting documents and forging my signature onto documents, I had no knowledge of.

15 US Code 1681 ( b ) and 15 US Code 1681 ( a ) ( 2 ) clearly states consent is needed for everything reported on my consumer report, but when did I give you consent? The code also states I have the right to confidentiality and privacy as a consumer. I did not consent on XX/XX/XXXX, and I do not consent now. Therefore, Credit Acceptance will have to correct all of the false reports made on my credit report since I never gave you permission or consent.

15 US Code 1681e ( b ) says everything on consumer report is supposed to report to maximum possible accuracy. Yet the FCRA says transactions, experiences, and approvals of credit arent included in consumers reports per 15 US Code 1681a ( 2 ) ( A ) ( i ) ( B ). Once again, your companies did not give me the opportunity to decline or consent to you reporting experiences or transactions to my credit report. 
This is a violation, you stated in your letter that sending this disclosure form satisfied your companys obligations for information sharing and privacy, since I did not receive this letter, you mentioned. I do not consent, and I never have consented to your companies sharing my information with ANY and EVERY third party thats exists. CREDIT ACCEPTANCE does need my permission before executing anything involving my all-capital letter name XXXX XXXX XXXX XXXX my social security number, or anything else pertaining to me as the beneficiary. GET THAT CLEAR. 
Not many challenge your company so Credit Acceptance thinks the corporation can do what they want, but I am here to show you otherwise. How do you respect my privacy if Credit Acceptance Corp did not tell me about XXXX XXXX XXXX, the indentured trustee for Credit Acceptance Corp, that is the vice president of XXXX XXXX XXXXXXXX XXXX  You may trick other consumers, but you are not tricking me. You may think that you have all of the power and what you say is law, but I am not obligated to pay this debt. I will not pay this debt. I know the car was paid for in advance per 18 US Code 8, HJR 192 and 31 USC 3123.

HJR 192 of 1933 clearly states Every obligation, heretofore or hereafter incurred, whether or not any such provisions are contained therein or made with respect to thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at that time is legal tender for public and private debts. 31 USC 3123 says the secretary of treasury shall pay interest due or accrued on the public debt.

31 CFR 357.13 says A Federal Reserve Bank credits the appropriate amount of interest on Book-entry Securities to a Funds Account maintained at the Bank, or pays it as directed by the Participant. Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or Pays such principal and interest as directed by the Participant.

This means all obligations are discharged and credits will be applied to the funds account as directed by the participant. I would be considered the participant in this case. It also says nothing is required by the participant. Anytime a consumers social security number is used in a transaction it pays the transaction off legally. I know my consumer laws and I know Credit Acceptance Corp has violated many if not all of them. 
15 US Code 1692j says it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Credit acceptance is not the creditor and is in violation of 15 US Code 1692j, and you should not be sending me bills in the mail claiming I owe a debt that I do not owe. Credit Acceptance has created a false belief in making me believe I owe a debt that does not belong to me. This would be considered a deceptive form. The law tells us all debt, public and private, belong to the United States and are prepaid per 18 US Code 8, it does not say debt belongs to consumers.

Credit Acceptance has willingly failed to provide me with full disclosure of my right to rescind the contract per 12 CFR 1026.23. The company has failed to let me know my contract was a financial asset that paid for the car once I got it. Your company also misrepresented the finance charge by not giving me a summary of all charges. 
Your companies have violated several consumer laws that I pointed out in the last letters, and I will point it out in this one again. I have third party companies created to protect me from predatory lending companies like you when I am out getting approved for things on credit. 
The contract you have attached is not the same one I received. I am missing several pages. I definitely have never seen the arbitration clause page or the CREDIT ACCEPTANCE CORPORATION DISCLOSURE FORM until now. I know for a fact that my signature was forged upon those 2 documents. I wonder what other documents I have not seen, and my signatures were forged upon using E-signature system. The car dealership specifically told me out of their mouth EXTENDED WARRANTY and GAAP are mandatory. This misleading, deceptive, and unfair once again because it made me confused. Your companies are not supposed to mislead or direct consumers into a direction without full consent and true knowledge. 
You can not just disrespect and violate consumers rights. I never signed a document stating I would give all I owe under a security interest. Page 4 of the contract that you uploaded shows the dealers signature and my initials at the bottom with an E-signature. I did not sign, agree or acknowledge that, I dont have that page included with the contract given to me. You state I signed documents that I have never seen, with no proof. I also did not agree to that price of the vehicle you stated. Credit Acceptance and the car dealership forged my signature onto other documents using the E-signature system which is a serious felony. Once again, I am not obligated to pay anything your company claims. 
I am not obligated to do anything and as a consumer I have the right to get out of any contract involving fraud and deceptive acts. I am not trapped in any contract with any corporation as a living flesh breathing soul giving to me by the MOST HIGH GOD. Credit Acceptance is not the most high God therefore I am not obligated to do anything this company tells me. Credit Acceptance and its companies resemble the devil using deceptive, misleading information, and taking advantage of consumers. 
For me to be legally bonded to a contract there has to be a signature with both involved parties. The law clearly states that. Do you think you can just tell me anything? There has to be a contract with my signature and an agent from Credit Acceptance for this contract to be legally bound. That is a Uniform Commercial Code law. 
Consumer credit transactions are only cash in hand. I dont remember receiving a check, cash money, or a money order to pay for this vehicle. Where is the proof that Credit acceptance actually loaned anything in collateral for the vehicle. Inside your XXXX and XXXX filings credit acceptance is listed as a borrower, servicer, issuer, but not a lender. What did you lend? Credit Acceptance is not a creditor. 
I suggest you reread my previous letters sent and its entirety because they still stand and the remedy, I have set in place also still stands. I will attach them again for reference. I am fully disputing this debt that was in paid in full until you update everything I have demanded. Car dealership and Credit Acceptance Corp forged my signature on to many documents because as I have just gotten to the end of this letter and have taken a clear look of the retail installment contract I received from the car dealership ; I am missing several pages. This contract is no longer valid due to the fraud your companies have committed. If you do not understand the seriousness of this letter, I suggest you reach out to your superiors. 
Lastly, the remedy that I have set forth in the previous letter still stands but instead of cancelling out the securities you earned from my signature and the contract, send or transfer all securities to my XXXX account. I also do not consent to your companies releasing my information to a third-party repossession company and having them attempt to steal my car from my private property ( driveway or garage ). I do not consent to anyone affiliated with Credit Acceptance or its third-party coming to my private property. Any corporation or person who violates my rights and wishes will pay the price. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation