Consumer complaint received 2022-10-09
Company: American Credit Acceptance, LLC
State: SC
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:
I state under penalty of perjury that the foregoing is true and correct. 
I am the consumer writing this thisand there is no third party involved. I am asking for the CFPB help in investigating this account. I determined that I was targeted in a predatory lending scheme. 
The entities mentioned in this complaint to my knowledge should be required to comply with all applicablelaws and regulations.In accordance with 15 USC 1692d, a debt collectorin collecting a debt, may not harass, oppress, or abuse any person.The actions of the entities mentioned in this complaint has caused instability in my marriage, also causing me to have more XXXX, XXXX XXXX, and XXXX More importantly, these actions mentioned in this complaint violated my right privacy in more m ways than one. I sent. American Credit Acceptance, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and any affiliated, nonaffilliated parties that have nonprivate personal information without my consent are coercing me into paying a fraudulent debt. I initiated a transaction for a XXXX XXXX XXXX XXXX on or around XX/XX/XXXX. XXXX seized my property a second time about two weeks ago. Causing me to lose me and my children 's medication, causing me to have more XXXX, and causing me to lose wages. 
I demand, American Credit Acceptance cease and desist any and all collection activities. I wish to deal with this matter in writing by way of the US Postal Mail. I withdraw any consent I have given with respect to the subject matter knowlingly or unknowingly. Any contract I have with XXXX is null and void due to the face that XXXX, and the other entities mentioned took advantage of my incompetancewhen I initiated a transaction with XXXX. They are all coercing me into paying a fraudulentfinance charge. After speaking with an attorney, I understand that XXXX targeted me in a predatory lending scheme. XXXX  and XXXX charged me XXXX XXXX interest on an unenforcable contract. XXXX  was not even present at any aspect of the transaction. XXXX sent me a contract that is not even identical to my original contract. The contract XXXX sent does not include the Security Interest clause or even the POA. The account furnished to my consumer report does not reflect my original contract. And lastly, XXXX  has not filed a MRS with the department to charge in excess of XXXX XXXX in the state of South Carolina. I attached proof of this named Auto Dealer XXXX. This all leads me to believe I was racially targeted and discriminated against. I've been evicted twice, lost so many jobs I cant even count due to the overwhelming dollar amount and monthly payment and I am sure that XXXX and XXXX knowingly implied this burden only to repossess the automobile. 
If that is not enough, I also feel that the way these entities ( XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and American Credit Acceptance ) worked together to seize my property is a major invasion of my privacy. Ever since thefirst time my propertywas seized, I have weird numbers contacting me and XXXX truck following me around. This has gone on long enough only to find out I was racially discriminated against the whole time and the transaction was done in bad faith. How did XXXX XXXX XXXX of NC even know where or how to locate me or my property. If these companies have been tracking me theentire two years I have maintained my property without my knowledge I will pursue litigation on this matter. 
STOP harrassing me. Every time I look at my phone ACA is calling me. Sometimes as much as 5x a day. Then you know where I am at any time. The harrassment includes my consumer report. In accordance with 15 USC 1692c ( c ) I refuse to pay this debt. Cease and desist all communication with me except by postal mail., communication defined is the conveying of information regarding a debt to any person thorughANY medium.. This is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802b. 
In my closing I would also say I feel that XXXX, XXXX, XXXX and any other National reporting agency with my no public private information are also coercing me into payment due to the fact they did not recognize that this was a predatory scheme and proceeded to furnish this to my consumer reports making it impossible for me to obtain credit for my family. My current XXXX report states that I have only paid -3 of this transaction. How is that even possible? They are required to furnish accurate information as the banking system depends on accurate reporting. How could they not spot this error in this contract before me? 

The Acts put in place by Congress were violated by these entities. Here is a few, FCRA, FDCPA, Consumer Protection Act, The Privacy Act, Truth In Lending Act, Equal Credit Oppurtunity Act, CARES ACT, RICO Act, and Chapter 2 of Title 37 of South Carolina. And there is more to name. 

I am writing to claim all rights, titles, and interest.provide me with an audit trail of this account, including all accounting details and contracts related to me with all affiliated and nonaffiliated entities that you have shared my nonpublic private personal information with. Please include names and addresses of each. I state under penalty of perjury that the foregoing is true and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation