Consumer complaint received 2016-12-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I financed a XXXX XXXX XXXX XXXX XXXX from Credit Acceptance Corporation. On XXXX XXXX, XXXX a district court judge in XXXX XXXX, XXXX, through a civil court proceeding, awarded aforementioned XXXX XXXX to my ex fiance, XXXX XXXX. She was ( under civil contempt of court ) to refinance the vehicle, and assume any back payments. XXXX XXXX failed to do so. In XXXX of XXXX the vehicle was repossessed from her residence in XXXX, XXXX. Credit Acceptance Corp then attempted to sue me in XXXX XXXX XXXX via a third party collections Law office ( XXXX XXXX XXXX and XXXX. ) I was living in the State of XXXX, and had been for three years. This is a venue violation under the Fair Debt Collections Practices Act ( FDCPA ). I never received service of process. Rather, my father was served a summons for my appearance at his home residence, in XXXX. He opened the correspondence. This is another FDCPA violation, as I never gave permission to account details to be disclosed to any third parties. I notified the firm ( XXXX XXXX XXXX and XXXX ) that I did not reside in XXXX, and provided them proof of such. They then ad my father served again before sending me a letter stating that they were dismissing the case they had filed against me in XXXX XXXX, XXXX court, and had forwarded my file back to the original creditor. I heard nothing for some time and disputed this account with the credit reporting bureau, XXXX. The creditor then changed the account from charged off to repossessed, which caused my FICO score to go down over XXXX points. This account is seriously hindering my abilities to acquire any lines of credit at this point, whatsoever. Credit Acceptance Corp then filed my account with the offices of XXXX and XXXX in XXXX XXXX, XXXX. I contacted them to dispute the account, and advise them that I had moved back to XXXX state, and had been here for several months I was told that they too had filed suit against me in XXXX XXXX, XXXX ... a county I had not resided in for over a year. They advised me to forward them the papers from the court, showing that I had been released from my obligations with regard to the aforementioned vehicle. I fulfilled their request and was told that I would be contacted back within 5 days. I heard nothing. After several months, I contacted Credit Acceptance Corp, to inquire as to the status of my dispute. I was told by the representative that the account was being handled by their " in-house legal team '' and should be expecting another suit shortly, as they never received any paperwork regarding a dispute from XXXX and XXXX, and " did n't believe that I actually had any such paperwork. '' ( Again, I never received service of process, with regard to suit being filed against me. ) I have never been treated with anything other than rude, ignorant language by any Credit Acceptance Corporation representative, and have a suspicion that most of their csr 's work from home, as I 've had conversations in which I 've been able to hear other people discussing non business related topics, and have even heard children yelling and fussing in the background. I feel their business practices are completely unacceptable and incredibly unprofessional. I am not responsible for this debt, and am sick of being threatened with lawsuits by this company and their hired, XXXX party thugs. I am attaching the documentation from XXXX XXXX district court to this complaint, proving that a judge released me from all obligations to this account. I would like this permanently removed from my XXXX, XXXX, and XXXX credit reports, at very least, and feel that {$1000.00} in damages per violation comitted under the Fair Debt collections Practices act is duly owed at this point in time.

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