Consumer complaint received 2021-06-24
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have been staying in my car. 
I was pulled over and got arrested by office stating that I had a broken tail light but it was a lie. Wanted to get me out of car to arrest me for running my plates and having a warrant ( was supposed to be quash ). Not given an option was told I was leaving my car behind as they had to take me in. I was told vehicle was going to be OK to leave behind. This was at XXXX XXXX. Same day in the evening I went to get my car as I was released for miscommunication. My car was no longer in the parking lot ... called number in the lot that no cars can be left overnight *officer never mentioned that ). They didn't take my car. They advise another company took it. Called the non emergency police number. Advise car was taken by another company ... my lender has requested to pick up car. It got removed from lot at the same time I was being arrested. Not sure if the government can work with finncial institution in entrapment to get their possessions back that I legally had in my possession was just behind in payment which I was not 100 % aware. Long story short ... called lender. They told me I had my car repo and couldn't give me a lot of details. I advise that I was going to file bankruptcy include the vehicle in the BK. I ask to speak to that department to get further instructions on what I needed to do. They refuse to connect me to the department. They gave me no help, told me car was going to be sent to auction but wouldn't tell me when or tell me anything per the Arizona laws on how much time I had. I keep calling to tell them I wanted to include in a bankruptcy and would not help me. I am trying now to get my personal stuff ( my whole life was in the car like money, identity, my memories of the last year living in the car, my personal belongings ). Now I have nothing and its more difficult now to identify myself and get around in this state specially when we have heat warnings, they have left me in the streets with no shelter ( car was my home ) no money, no identity, making me once a functioning member of society into a nobody in the streets whom nobody would listen to. In final ... I am just human who made some mistakes in my life, but I am still a human being! Don't want to be what they have left me to be a nobody who has nothing, no identity, no money and no car/home thanks to our own judicial system. Emotions took over ... just american Credit Solutions would not help me with loan even after I informed them I wanted to file for bankruptcy and include the vehicle. Just told me that I would continue to get daily interest and car would be sent to auction if didn't pay that day and couldn't guaranteed my possessions left in the vehicle that is in a city 30-40 miles away. My phone, laptop, savings. my everything is in that car

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