Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance is in many violations of the federal law in 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION!

1. American Credit Acceptance is in violation of 15 USC 1692e ( 4 ) & ( 10 ) because they are trying to repossess my car and that is illegal. 15 USC 1692e states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt : ( 4 ) The false representation that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person. ( 10 ) states The use of any false representation or deceptive means to collect or attempt to collect any debt 2. American Credit Acceptance is in violation of 15 USC 1 because Every contract, combination in the form of trust Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation. This contract became a trust, I am the Beneficiary to the trust, American Credit Acceptance are the trustees in this fiduciary obligation is supposed to operate in my best interest and a repossession is not in my best interest so this is fraud and a crime. 
3. American Credit Acceptance is in violation of 15 USC 1692a ( 4 ) Because The term creditor does not include any person to the extent that he receives an assignment of a debt in default solely for the purpose of facilitating collection of such debt for another. American credit Acceptance was assigned my contract from XXXX XXXX XXXX. XXXX XXXX XXXX can no longer be the creditor so American Credit Acceptance Is now operating as a debt collector but Im the creditor by giving an security interest and using my credit card ( SOCIAL SECURITY CARD and IDENTIFICATION CARD ) Pursuant to 15 USC 1602 ( l ) credit card means ANY CARD existing for the purpose of obtaining money, property or services oncredit & ( g ) Creditor in the case of an open-end credit plan involving a credit card are the card issuers and my 2 cards were issued to obtain an extension of my own credit using my open-end credit plan. 
4. American Credit Acceptance is in violation of 15 USC 1692d ( 1 ) & ( 2 ) because ( 1 ) The use or threat of use of violence means to harm the physical person, reputation, or property of any person & ( 2 ) The use of obscene or profane language. American Credit Acceptance threatened to repossess my vehicle, which is theft, if I do not pay and they stated my car has been assigned to a local repossession agency to steal my car. I have also sent American credit a cease and desist in XXXX & to send me the contract that says the words that I am OBLIGATED TO PAY American Credit Acceptance and to provide Authorized Signature of American Credit Acceptance and they failed to do that within 30 days. 
5. American Credit Acceptance is in violation of 15 USC 1692j because it is It is unlawful to furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditor ( Im not the creditor because it has been ASSIGNED from XXXX XXXX XXXX ) is participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I never gave American Credit Acceptance written consent to furnish a credit report on me.

6. American Credit Acceptance is in violation of 15 USC 1692b ( 2 ) notstatethat suchconsumerowes anydebt & ( 5 ) not use any language or symbol in the contents of anycommunication or that thecommunicationrelates to the collection of adebt.

7. 15 U.S. Code 1692k - Civil liability ( a ) any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.

Company response to consumer: Closed with explanation