Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
CREDIT ACCEPTANCE and its representatives. Under the authority of the Fair Debt Collections Practices Act regarding their file # XXXX, have failed to establish proof of alleged debt. 
1. Failed to respond by way of certified affidavit to the original rebuttal ( Certified mail # XXXX ; Return Receipt # XXXX -received XX/XX/XXXX ). They were in default and proceeded in fraudulent actions to seize property on XX/XX/XXXX through coercion XXXX XXXX paid to have property released back into his possession. 

2. The documents you provided through CFPB portal as response to complaint XXXX are not copies of an original promissory note/contract between an authorized representative of CREDIT ACCEPTANCE and XXXX XXXX & XXXX XXXX XXXX Real Parties of Interest XXXX 
As per XXXX XXXX XXXX, in order for a contract to be valid, all parties must understand the full scope and nature, the full terms and conditions. Parties must achieve a meeting of the minds for any agreement to exist. There was no such meeting therefore the contract is NULL and VOID! 
Purported contract failed to be characterized by mutual good faith, meeting of the minds, open and full disclosure of terms and conditions is VOID!

The contract is not real or free-obtained through FRAUD! XXXX XXXX XXXX XXXX XXXX  All contracts, whether expressed or implied are subject to the universal essentials contract law. California Civil Code Section 1598. When Contract Wholly VOID Where a contract has but a single object, and such object is unlawful, whether in whole or in part, or wholly impossible of performance, or so vaguely expressed as to be wholly unascertainable, the entire contract is void. 
Section 1608. Effect of its illegality If any part of single consideration for one or more objects, or of several considerations for a single object, is unlawful, the entire contract is void.

Section 1636. Contracts, how to be interpreted A contract must be so interpreted as to give effect to the mutual intention of the parties as it existed at the time of contracting, so far as the same is ascertainable and lawful.

Section 1668. Certain contracts unlawful All contracts which have for their object, directly or indirectly, to exempt anyone from responsibility for his own fraud, or willful injury to the person or property of another, or violation of law, whether willful or negligent, are against the policy of the law. 
Section 1709. Fraudulent deceit One who willfully deceives another with intent to induce him to alter his position to his injury or risk, is liable for any damage which he thereby suffers.

3. Failure to validate CREDIT ACCEPTANCE Charter. CREDIT ACCEPTANCE is not authorized by the Secretary of State. Therefore, doing business is against the law. 

4. On and for the record, XXXX XXXX and XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX, hold secure title to XXXX XXXX and XXXX XXXX XXXX or any derivatives. Therefore, you are devoid of capacity to act against the parties or any property that is secured as per Uniform Commercial Code.

Any attempt to make contact via phone/cell, etc. or properly respond with authorized documents via affidavit will result in additional claims/Class Action Lawsuits. 
( Uniform Commercial Code 3-419 and House Joint Resolution XXXX  of XX/XX/XXXX )

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