Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I received notification from my job about a garnishment case they received regarding a car debt from XXXX XXXX XXXX XXXX XXXX. I purchased a car not to long after my transaction the car it broke down on the side of the expressway in Indiana at that point the car was voluntarily surrendered back to the merchant. I then was laid off from work due to XXXX natural disaster and filed the car as a natural disaster on my credit report and relocated to another city and state as I was unaware of this debt and then attempting to contact me if they was. Due to my relocation and it saying on my credit report on Experian that to this day on XX/XX/year> the the car is Voluntarily surrendered and that the account is closed. I also have documentation of that I spoke with the fdrpc via phone today XX/XX/year> the same date I received the garnishment notification from my job that same morning and they said there are a few red flags and that the garnishment attempt is highly likely to be a scam and to file a report as the amount requested is over {$17000.00} which is different then the amount showing on my credit report of a little of {$15000.00} and that there have been a high volume of garnishment scams active at the moment. Until this is verified and confirmed to be a legal process as I never received a date to appear before a judge to formally come to a settlement or agreement with the debt collector. The fdrpc agent stated that although I did relocate that, that wouldnt of changed or altered the legal process as they would have requested me to go through the legal processing system and be seen before a judge before garnishment was the answer wherever I relocate to as the debt wouldve still followed me which the agent stated that was also another red flag. This process in attempt to collect this auto debt is illegal in the formality of me not being properly notified and unaware of this as I was under the impression the account was closed and the car was voluntarily surrendered as it says on my credit report also he stated was another red flag. Im not sure of how I would owe debt on a car that the merchant received back from me voluntarily, I was never properly notified to settle an agreement of this debt, I was never requested to be seen before a judge, and it states on my credit report file the account is closed and the car is voluntarily surrendered. I requested the original documents from the primary merchant with my formal signature signed by me on the original primary documents provided by the original debt collector and merchant with a formal legal notice signed by a judge stating this garnishment is a legal action with the legal process and reasoning on how this attempted debt is legal or for me to know its even real and not a scam. I have not received any of these legal formalities at all not one, therefore garnishment at this moment is not legal. I am currently and have been homeless, majority of the time since my relocation so I know there is no way possible they could have went through the proper legal process to attempt to garnish my wages also when I tried to call XXXX XXXX XXXX XXXX XXXX agency its states there is no way to contact or speak to any human representatives as I would have to schedule an appointment to speak to someone which is not until 10+ days from today on XX/XX/year> which I still did schedule just in case this is not a scam which I have provided all documentation verifying my statements and knowledge of the situation and information. It also says on XXXX XXXX website that they will only contact us one time at the requested schedule time which was another red flag according to the fdrpc agent I spoke to him today on XX/XX/year> at XXXX. XXXX. He stated there would usually be some way to speak to a human representative about collecting a debt as they are not going to miss there chance to collect a debt they believe they are owed which is another XXXX flag to make this highly scam likely and to file this report

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