Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I am writing in response to the notice I received, dated XX/XX/2024, regarding my vehicle loan. This letter is a formal demand to immediately cease all repossession efforts and a request for debt verification under 15 U.S. Code 1692g. Additionally, I am notifying you of multiple violations of both federal and Maryland state law that render this contract unenforceable and demand that it be canceled.

Violations of Federal and State Law The notice provided to me is legally deficient and violates the following laws : XXXX. Failure to Properly Explain Default ( Violation of Maryland Commercial Law Article XXXX ( b ) and FDCPA 15 U.S. Code 1692e ( 10 ) ) : - The notice does not clearly explain the nature of the default, which misleads and confuses the borrower about their contractual obligations. 

XXXX. Failure to Provide Steps to Cure the Default ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692g ( a ) ( 1 ), 1692f ( 1 ) ) : - The notice fails to provide clear instructions on how to cure the default, including the total amount owed, a breakdown of the balance, and where payments should be sent. 

XXXX. Failure to Specify Repossession Conditions ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692e and 1692f ) : - The notice does not explicitly state that repossession will occur only if the default is not cured by the specified deadline. This omission misleads borrowers and creates unnecessary harm by leaving them unclear about how to avoid repossession. 

XXXX. Failure to Notify of Dispute and Validation Rights ( Violation of FDCPA 15 U.S. Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ) ) : - The notice does not inform me of my right to dispute the debt or request validation, which is required by law. 

XXXX. Violation of 15 U.S.C. 1692d ( Harassment or Abuse ) : - The tone and threatening language of repossession, without full clarity about my rights, constitutes harassment and may cause unnecessary distress. This is prohibited under 15 U.S.C. 1692d, which forbids debt collectors from engaging in abusive conduct. 

XXXX. Violation of 15 U.S.C. 1692b ( 5 ) ( Communication with Third Parties ) : - If the correspondence included visible markings, such as logos or language revealing the nature of the debt collection, it constitutes an unlawful disclosure under 15 U.S.C. 1692b ( 5 ), which prohibits communication with third parties about the debt.

Request for Debt Verification Under 15 U.S. Code 1692g, I am requesting the following : - Validation of the alleged debt, including a detailed breakdown of the total amount owed, original creditor information, and any supporting documentation. 
- A halt to all collection and repossession activities until proper debt verification is provided.

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