Consumer complaint received 2017-08-16
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been fighting this for quite some time against QUALITY ACCEPTANCE and XXXX XXXX. The issues are huge and plentiful. And at no point has other company done anything to fix issues. I got a letter from NEVADA GOVERNOR OFFICE who found my issues and complaints to be accurate. The Governor office sent the issues to CONSUMER AFFAIRS in NEVADA to assist in my issues. I spoke to CONSUMER AFFAIRS who indeed found my complaints and issues to be more than valid, they have recently submitted my complaints and issues about XXXX XXXX and QUALITY ACCEPTANCE to DMV INVESTIGATORS and DEPARTMENT OF BUSINESS AND INDUSTRY on behalf of the GOVERNOR OFFICE and CONSUMER AFFAIRS. Not only are the issues huge, but XXXX XXXX at QUALITY ACCEPTANCE called an officer of the law and said I was calling and texting her threatening things. I did email QUALITY ACCEPTANCE never here specifically, but in my letters I did express extreme anger and hoping XXXX found guilty and sent to prison due to fact she has NEVER returned a call and her letters to me are XXXX, cross and never ever does she discuss the issues. And I did use the XXXX word. But, I did not call a cop and make illegal statement like she did and I do not try to cover up a crime. XXXX XXXX And QUALITY ACCEPTANCE committed these issues TO NAME JUST A FEW : Lied to make a sale saying they would change high interest rate a year later just to make a sale, used unethical business practice to make a sale, charged a high interest knowing we were victims of a huge robbery and identity theft when the prior car we obtained from them was only % 4 verses the now % 19.95, on paperwork put the {$2000.00} deposit, and bunch of other items in the final payment, where we were to pay {$12000.00} for the junkie fifth rate car they dubbed sold us, the put the overly high and gross interest rate on over {$15000.00}, with the down payment and everything else the car ended up costing over {$19000.00} for a car that only cost a little over {$14000.00}, called repeatedly after called manager to warn them they were breaking FTC commission laws ( BUT CALLED REPEATEDLY AND WAS AGGRESSIVE FOR NO REASON, after a year of making payments found out XXXX XXXX illegally lied about saying they could lower interest rate so turned car in upon turning the car in QUALITY ACCEPTANCE NEVER CONTACTED US TO LET US KNOW WHETHER OR NOT WE WANTED TO BUY THE CAR OUT RIGHT OR TO LET US KNOW IT WAS GOING TO AUCTION, on top of that QUALITY ACCEPTANCE FLATLY REFUSES TO SEND A SALES SHEET OF HOW MUCH THE CAR ACTUALLY MADE AT THEIR ILLEGAL AUCTION, ON TOP OF THAT ON TOP OF THAT ON TOP OF, QUALITY ACCEPTANCE IMMEDIATELY SENT OUT THREATENING LETTER ABOUT SUING WHICH THE LAW HAS VERY SPECIFIC LAWS ABOUT THREATENING CONSUMERS WITH SUING ( A COMPANY MUST SUE IF THEY ARE GON NA SUE NOT SENDING THREATENING LETTER AFTER LETTER ESPECIALLY WHEN QUALITY ACCEPTANCE FELT THEY COULD BULLY AND HARASS US SO WE COULD LINE THEIR POCKETS WITH EXTRA EXTRA MONEY )

Company response to consumer: Closed with explanation