Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Im not giving CREDIT ACCEPTANCE CORPORATION any more of my money and I demand deletion from my consumer report, mail my car title to me, send my previous payments in the form of a check, and compensation for the distress and injuries. When I purchased my automobile, a CONSUMER CREDIT TRANSACTION took place, which means, CREDIT ACCEPTANCE CORPORATION didnt loan me anything. I refuse to pay this alleged debt and what CREDIT ACCEPTANCE CORPORATION is doing is illegal. Theyre stealing my identity and half XXXX honoring my XXXX XXXX XXXXXXXX letter. It doesnt work like that! What did you guys loan me? Show me CREDIT ACCEPTANCE CORPORATION account proving it! According to Federal law 15 USC 1605 Determination of finance charge is defined : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Im tired of going back and forth about something thats mine. CREDIT ACCEPTANCE CORPORATION little employee XXXX XXXX stated, I can confirm that your account was added to our Do Not Call list on XX/XX/2021. Specifically, an event was placed on your account that stopped all telephone and written communication with you. As a result, we have not called or sent you a letter since XX/XX/. However, your cease and desist letter does not prevent Credit Acceptance from accurately reporting your account information to the credit bureaus. Thats INDIRECT communication and IDENTITY THEFT. Did I give CREDIT ACCEPTANCE CORPORATION my consent to report something? CREDIT ACCEPTANCE CORPORATION constantly using profane language against my consumer report and accusing me of owing them something they NEVER gave me. Again, PROVE it! They want me to " pay '' but can't prove anything. I did not give CREDIT ACCEPTANCE CORPORATION my consent create an alleged account with my information or report any XXXX thing to my consumer report! Theyre ruining my reputation, causing emotional distress, and defamation of my character. CREDIT ACCEPTANCE CORPORATION is refusing to settle this and admit what theyre doing is wrong and unacceptable. Even the fraudulent behavior shows in the contract, which dont mean anything, because it was NULL AND VOIDED the moment fraud was discovered. I am attempting to get this matter settled before I file a Suit in Federal court. We all know CREDIT ACCEPTANCE CORPORATION do not have a leg to stand on in court. Furthermore, I have completed the administrative process with proof showing Ive tried to solve this matter prior to taking it to court. This is the last chance CREDIT ACCEPTANCE CORPORATION have to resolve things. CREDIT ACCEPTANCE CORPORATION NEVER rebutted any of my Affidavits so it stands. If Im lying, show me what you loaned me! That contract don't mean anything on CREDIT ACCEPTANCE CORPORATION behalf but it do show I paid my automobile with my XXXX XXXX. Now show me a LAW that says I have to pay this alleged debt. This is a FINAL ATTEMPT : If CREDIT ACCEPTANCE CORPORATION do not honor what I am asking for, there will be consequences. I am demanding Cease all communication INDIRECTLY regarding my consumer report, mail my title to me, refund all my previous payments in a form of a check, and monetary compensation for the injuries you've caused. XXXX, XXXX, XXXX or any other little minion employee, speaking on behalf of CREDIT ACCEPTANCE CORPORATION, the only response I want to hear is what Im asking for. If you do not wish to do that then just say, Take CREDIT ACCEPTANCE CORPORATION to Federal court. Simple! Good day.

Company response to consumer: Closed with explanation