Consumer complaint received 2024-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: KS

Complaint narrative:
1. Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX XXXX American Credit Acceptance Auto Loan Servicer , unless you are the holder of the original Note and Security agreement you do not have power to enforce the note/instrument according to U.C.C. 3-301. And since the note was destroyed by way of securitization or otherwise placed into a trust in which it can not be removed you do not have possession to enforce the instrument, according to U.C.C. 3-604 after destroying the instrument all debts and obligations are now fully discharged. 
You are not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX XXXX, XXXX American Credit Acceptance XXXX XXXX regarding Account XXXXXXXX XXXX XXXXXXXX, Date of Account XXXXXXXX XXXX XXXX XXXX XXXX I would like to receive the wet ink promissory note connected to my Auto loan in demand for accord and full satisfaction of the principal loan amount, but the response received from ACA customer service manager XXXX XXXX stating they will not in the future respond to any of my concerns regarding this account. I requested evidence of proof that Securitization of the assets had not taken place if so, was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX or XXXX This would constitute Full Non-Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA Sec. 5 : unfair deceptive acts or practices 12 CFR S 1026:13 12 U.S. Code Credit Billing : 15 US Code 1692j : Deceptive forms 15 US Code 1951 : ( a ) Whoever in any way or degree obstructs, delays, or affects commerce by not accepting or allowing my qualified endorsement Pay to the U S Treasury, or the movement of any article or commodity in commerce, by robbery or extortion or attempts or conspires so to do, 18 US Code 894 : Collection of extensions of credit by extortionate means : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
This is easy to prove. 

1666. Correction of billing errors 1666 ( a ). Regulation of credit reports 1666 ( b ). Timing of Payments 1666. Prompt and fair crediting of payments 1666 ( d ). Treatment of credit balances 1666. Notification of credit card issuer by seller of return of goods, etc., by obligor : credit for account of obligor 1666 ( f ) Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means : finance charge for sales transactions involving cash 1666 ( g ). Tie-in services prohibited for issuance of credit card.

1666 ( h ). Offset of cardholders indebtedness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law have no effect.

1666 ( i ). Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses. 
1666 ( i ) -1 limits on interest rate, fee, and finance charge increases applicable to outstanding balances

Company response to consumer: Closed with explanation