Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Basis for Dispute and Claim 1. Unlawful Repossession & Collection : - You must produce credible, dated evidence proving any payment default, all notice provisions, right to cure, and compliance with every relevant statute. Material ambiguity within the contract, combined with unclear or missing procedural notices, strips you of any lawful basis for repossession or negative credit action. Any adverse action taken without this substantiation constitutes a per se violation. 

2. Ambiguity and Insufficient Disclosure : - My signature or initials do not cure statutory violations when a contract is ambiguous, misleading, or unfairly one-sided ( see attached examples regarding pricing, fees, late charges, assignment, and collection processes ). Consumer protection law and contract doctrine require that all ambiguity is resolved in the consumers favor and against the drafter. 

3. Credit Reporting Violations : - The FCRA requires that every adverse credit item be substantiated with documentary evidence. If you can not provide verification within statutory timeframes, you are required to remove all derogatory information. Continuation of unverified or false reporting after dispute constitutes a willful violation and exposes you to punitive damages. 

4. Limits of Arbitration Clauses : - No arbitration agreement or contract clause may waive my rights to seek relief in court, pursue regulatory action, or secure statutory damages for consumer law violations. I reserve all rights to escalate this matter to regulatory agencies and the courts as needed. 

5. Timeliness and Proper Procedure : - This dispute is both timely and properly submitted under all relevant statutes. If you assert otherwise, you are required to produce documentary proof, which will be subject to regulatory and judicial review. 

FRAUD, AMBIGUITY, AND NOTICE OF RESCISSION CONSEQUENCES -It is hereby noted for the record that the material ambiguity and lack of clear definitions within this contractparticularly as to payment terms, fees, default, assignment, and repossession rightsconstitute constructive fraud and violate the duty of good faith and fair dealing owed by the creditor under federal and state law. Where contract language is misleading, contradictory, or so complex as to deprive the signer of genuine informed consent, such conduct is deemed fraudulent for purposes of equity and contract enforcement. Accordingly, be advised that if these ambiguities and deficiencies are found to have materially impacted my rights, performance, or understanding, I will pursue full rescission of the contract. In such an event, I will demand the immediate return of all paymentsincluding down payments, installment payments, and any additional fees or chargestendered under this agreement, less any value received that can be demonstrably offset. Such relief will be sought in addition to, or in lieu of, all other damages and statutory penalties available for fraud, misrepresentation, and violation of consumer protection statutes.You are hereby placed on notice that continued reliance upon, or enforcement of, this contract under conditions of material ambiguity or deceptive language may subject you to orders of rescission and full restitution by the appropriate judicial authorities. 

Additional Demandfor the Record - You are instructed to produce all relevant records of account activity, notices, assignments, payment history, and all communications referenced in this dispute. All ambiguity, procedural gaps, or missing documentation will be cited as evidence of noncompliance.

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