Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
Official Statement of Complaint I am filing this formal complaint against American Credit Acceptance ( ACA ) for persistent violations of the FDCPA, FCRA, and UCC. ACA has repeatedly failed to validate an alleged debt, refused valid tender of payment, and ignored a specific timeline of correspondence regarding suspicious lending practices. I demand that a copy of this complaint be served to ACAs legal department immediately to initiate a formal response.

Timeline of Unanswered Correspondence & Suspicious Conduct The following letters were sent via mail ( copies attached ) and have been met with total silence or continued illegal collection efforts by ACA : XX/XX/XXXX : Letter regarding ACAs initial rejection of my consumer credit application. 
XX/XX/XXXX : Notice of Alarm regarding the nature of the debt. My concerns stem from the fact that ACA initially denied my credit application, yet I was later " approved '' with no change in terms. I have since learned XXXX was seeking a buyer for the contract during this gap, suggesting a third-party intervention rather than direct funding. 
XX/XX/XXXX : Notice of Acceptance for Value ( AFV ) regarding the alleged obligation. 
XX/XX/XXXX : Follow-up letter questioning how ACA verified my address, as no proof of verification was provided. 
XX/XX/XXXX : Demand that all communication be in writing and a formal follow-up for the documentation requested on XX/XX/XXXX. 
XX/XX/XXXX : Notice of Fault in Dishonor for failing to respond to lawful notices. 
XX/XX/XXXX : Formal Demand for Debt Validation and a notice regarding ACAs illegal rejection of my remittance payment/coupons. 
XX/XX/XXXX : Second Notice of Acceptance for Value and additional notices sent directly to the CEO, CFO, Indenture Trustee, and Legal Department. 
Documentation ACA Has Failed to Provide Despite the timeline above, ACA has withheld : Proof of Funding : Verifiable accounting records proving ACA used its own capital to fund the loan.

Chain of Assignment : Documented proof of every sale or transfer of the contract from XXXX to ACA or any Securitization Trust.

UCC Compliance : Proof that the security interest was legally executed and recorded under UCC 9-203.

Securitization Records : The name of the trust and the prospectus if this loan was bundled into an Asset-Backed Security ( ABS ). 
Violations of Law UCC 3-603 ( Refusal of Tender ) : ACA rejected my remittance payments ( coupons ) and refused to return the physical property. Under UCC 3-603 ( b ), the refusal of a full tender of payment discharges the obligation to the extent of the tender.

15 U.S.C. 1692g : Failure to cease collection and credit reporting after a timely dispute until the debt is validated.

15 U.S.C. 1681s-2 : Reporting unverified, disputed data to credit bureaus without conducting a reasonable investigation. 
Relevant Litigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General is actively litigating against Credit Acceptance for predatory lending and deceptive practices. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : ACAs {$98.00} XXXX settlement regarding improper notices proves a history of violating consumer rights.

Company response to consumer: Closed with explanation