Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am being sued by XXXX XXXX on behalf of Credit Acceptance for a repossessed car from XXXX. The amount they stated I owed was {$7400.00}. I was on XXXX just browsing and saw that they had filed for a garnishment and I was scheduled to appear on XX/XX/XXXX, and I was never served any paperwork. On XX/XX/XXXX, I reached out to XXXX XXXX and was offered a settlement offer of {$1500.00} to be paid by XXXX XXXX. I asked at that time since a settlement agreement had been reached, do I still need to appear on court. He stated that I had to make a payment by the court date of XXXX XXXX. He gave me my file number and said I could make the payment online before the XXXX. I received a letter in the mail outlining the settlement offer. On XX/XX/XXXX I attempted to make a payment and received a notice " can not process your payments from this page '' " The account and file number entered does not allow payments by web '', so I called them and explained all of this to them, and the gentleman stated that I could make a payment through their automation system and he verified the file number I was using. I immediately called back and went through the automated system and it would not take my payment. I then called back and spoke to someone and explained my situation and he put me on a brief hold and came back and said they could not take payments from me because I was in the middle of a bankruptcy. I assured him I was not in the middle of bankruptcy, that I had filed a XXXX XXXX back in XXXX and the payments were too high so I dropped it, and he said they could not take my money. I reminded him that I gave them a {$200.00} payment back in XX/XX/XXXX or XX/XX/XXXX, and he said there was no record of that. I called the XXXX County Superior Court and stated that I had a settlement letter and she asked me to email it to the court and she would give it to the Magistrate. There was a note made on XXXX that a settlement agreement had been reached, and today a motion was filed, I called XXXX and XXXX and asked why they filed a motion after we had agreed upon a settlement and he stated because I did not make a payment before my court date. I advised him that I tried to call twice and make a payment and XXXX would not accept my money, and now they are trying to garnish my wages after we had agreed on a settlement and that any garnishments would come off my total, he advised me he has no record of me calling to make payments, and I told him I have recorded conversations with everyone I have spoken with and I would be happy to email those recorded conversations and he stated he would let his manager know I called and hung up the phone. 
I received an email from my employer on XX/XX/XXXX that they had received paperwork for Interrogatories. The paperwork was dated for XX/XX/XXXX and they stated it was filed on XX/XX/XXXX and mailed on XX/XX/XXXX certified mail to my employer ( not me ) and my employer didn't receive it until XX/XX/XXXX. So 34 days after they filed there is paperwork showing I am scheduled to appear and it didn't even come to me. I checked my mail today and I finally received my XX/XX/XXXX order to appear from XXXX  XXXX. filed on XX/XX/XXXX and postmarked XX/XX/XXXX. These people have been a cloud over my head for years and against my better judgement I agreed to settle with them and now they are giving me the run around and I can not get an answer from anyone to help me. I have recorded conversations with everyone I have spoke with at XXXX XXXX backing up the events listed above, and can email those to you as well. 
Sincerely XXXX XXXX

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