Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Company : Credit Acceptance Corporation Product : Auto loan / repossession Issue : Improper debt collection practices ; misleading communications ; improper repossession documentation ; inconsistent information provided to regulators Law firm involved : XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) -- - What happened I am filing this complaint because Credit Acceptance and its law firm, XXXX XXXX XXXX XXXX XXXX ( XXXX ), are engaging in improper and misleading debtcollection practices during active litigation in New Jersey. I currently have an open Special Civil Part case ( XXXX XXXX ). My Motion to Vacate Default is pending and has not been ruled on. On XX/XX/year>, XXXX mailed me a Verification of Debt packet containing new repossession, tow, and vehicle recovery documents that have never been filed in the court docket, never certified, and never disclosed previously. These documents were sent directly to me while a motion is pending, outside the judicial process. These documents include : Tow/impound report Vehicle condition report Recovery paperwork Other repossessionrelated materials None of these documents appear anywhere in the court record. They were not part of the Complaint, Motion to Enter Judgment, Reply Brief, or any certification filed by Credit Acceptance. This appears to be an improper attempt to introduce new evidence outside the court system and influence the litigation privately. -- - Prior CFPB Contradiction In a previous CFPB complaint, Credit Acceptance responded that the account in question does not belong to us. Now their law firm is sending repossession documents and attempting to collect on the same account. This is a serious inconsistency and raises concerns about : inaccurate account ownership improper repossession misleading representations lack of internal controls potential violations of the FDCPA and Consumer Financial Protection Act -- - Why I am filing I am requesting that the CFPB review : 1. Credit Acceptances inconsistent statements to regulators 2. LDVLAWs offrecord mailing of new repossession documents during active litigation 3. The accuracy and legitimacy of the repossession and deficiency claim 4. Whether Credit Acceptance is complying with federal law, including the FDCPA and CFPA I am also requesting that Credit Acceptance provide : a complete and accurate explanation of account ownership a complete and accurate repossession file all notices required under federal and state law a clear explanation for why new documents were mailed privately instead of filed properly -- - What resolution I am seeking A full investigation into Credit Acceptances and LDVLAWs conduct A written response addressing the contradictory statements and improper communications Verification of account ownership Verification of the repossession and deficiency Assurance that all future communications comply with federal law

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