Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION keeps marking my complaints as duplicate because what they're doing is committing fraud and unfair practices. I will keep filing a complaint until my lawsuit is processed. Let the record show, I do not care about an " arbitration clause '' because I've tried solving this matter before Federal court. Now, XX/XX/2021 I spoke with the legal assistant XXXX from CREDIT ACCEPTANCE CORPORATION, which is a violation pursuant to 15 USC 1692e false and misleading but okay. I informed her that CREDIT ACCEPTANCE CORPORATION did not provide any forms nor disclose I had 3 days to rescind the signature or contract. Since CREDIT ACCEPTANCE CORPORATION did not disclose this, the time frame went from 3 days to 3 YEARS! I inform XXXX from CREDIT ACCEPTANCE CORPORATION that my automobile was paid in full, by my Credit Card pursuant to 15 USC 1602 ( l ), before leaving the car lot via a CONSUMER CREDIT TRANSACTION pursuant to 15 USC 1605. I also asked XXXX from CREDIT ACCEPTANCE CORPORATION if the call was being recorded, which she stated yes, and I read out loud to her the Federal law that states a CONSUMER CREDIT TRANSACTION took place. I read XXXX from CREDIT ACCEPTANCE CORPORATION the Federal law 15 USC 1635 that states 3 days to 3 years notice of rescission if forms was not disclosed. I told XXXX from CREDIT ACCEPTANCE CORPORATION I emailed my notice of rescission to XXXX and XXXX stated she, XXXX, will look at the documentation in XXXX email. That sounds skeptical but okay. I inform XXXX from CREDIT ACCEPTANCE CORPORATION on XX/XX/2021, I mailed CREDIT ACCEPTANCE CORPORATION a Bill of Exchange which they received XX/XX/XXXX, XXXX CREDIT ACCEPTANCE CORPORATION had a time frame to send it back but did not so they accepted it. I have green return slip, as well as a copy of the Bill of Exchange. XXXX XXXX stated they did not accept it but CREDIT ACCEPTANCE CORPORATION did not mail my Bill of Exchange back. Also, according to UCC 3-603 TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of the indorser or accommodation party having a right or recourse with respect to the obligation to which the tender relates. XXXX XXXX stated, Credit Acceptance provided you with the ability to purchase a vehicle that you may not have otherwise been able to afford. In exchange for Credit Acceptance helping you purchase this vehicle, you have a contractual responsibility to make payments to Credit Acceptance towards your account balance. I didnt fill out a loan application, it was a CREDIT application. According to the contract it clearly states, FINANCE CHARGE The dollar amount the credit will cost you. Not to mention, the Security states, You are giving a security interest in the Vehicle being PURCHASED. So what ability or loan did CREDIT ACCEPTANCE CORPORATION give? How would I not be able to afford a vehicle when Im the one extending credit pursuant to 15 USC 1602 ( g )? Since CREDIT ACCEPTANCE CORPORATION claim I did not pay anything then this alleged debt do not exist. I informed XXXX from CREDIT ACCEPTANCE CORPORATION of the emotional distress, identity theft, and defamation of my character CREDIT ACCEPTANCE CORPORATION are doing. I stated I will not pay this alleged debt and informed her I will be filing a Suit into Federal court if this matter does not get resolved soon as possible. CREDIT ACCEPTANCE CORPORATION is continuing to cause harm, damages, and injuries to my consumer report and life. XXXX admitted repeatedly that CREDIT ACCEPTANCE CORPORATION will continue to report inaccurate information to my consumer report without my consent. Ive sent CREDIT ACCEPTANCE CORPORATION two cease and desist which they ignored by still indirectly communicating with reporting agency regarding my consumer report. CREDIT ACCEPTANCE CORPORATION are doing unfair practices and stealing my identity pretending to be me. I dont care what any of the employees say, they cant speak for a dead corporation. I am enforcing my right as a consumer and natural person, pursuant to 15 USC 1692a ( 3 ), CREDIT ACCEPTANCE CORPORATION remove my private information from every consumer report agency, mail my car title, return my previous payments pursuant to 15 USC 1692h, and monetary relief for the injuries and damages. I will not stop until I get my remedy. CREDIT ACCEPTANCE CORPORATION claim they honored my cease & desist but have yet to do so entirely. Yes, I made payments because I wasnt aware of my rights as a consumer so I am enforcing them now. Pursuant to 15 USC 1602p CREDIT ACCEPTANCE CORPORATION ran my Credit Card, received Credit, now want me to pay CREDIT ACCEPTANCE CORPORATION back! How about CREDIT ACCEPTANCE CORPORATION prove they have a contract to collect services of debt pursuant to 28 USC 3002 in connection with 31 USC 3718. Otherwise, redirect any positive balances in excess of {$1.00} to I, the Federally protected consumer in fact. At this point, it is harassment and unfair practices. I have been severely injured, emotionally distressed, damaged and I will be heard.

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