Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
This correspondence serves as an unequivocal ultimatum and my FINAL attempt to address the combined misconduct of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and Credit Acceptance Corporation ( CAC ) concerning the auto loan for my XXXX XXXX XXXX ( VIN : XXXX XXXX ), Account Number : XXXX. The orchestrated malpractice involving deceptive advertising, contractual misrepresentation with racial undertones, and the subsequent illegal repossession of my vehicle underscores a systematic violation of consumer rights necessitating immediate, comprehensive remediation. 

This is NOT a duplicate complaint, this is my final notice and attempt to rectify serious violations of my consumer rights, and Joint Misconduct by XXXX XXXX XXXX XXXX and Credit Acceptance Corporation respectively. 

I will attach, All of the Necessary Documentation and supporting Evidence below. Included in the attachments is proof of False advertisement by XXXX XXXX, and the ONLY provided physical paperwork and documentation pertaining to my contract signing, XXXX XXXX Stating that everything was electronic. 

* This is your final notice. The distress and damages resulting from the misconduct demand swift and decisive resolution. I am fully prepared to take this matter further to ensure accountability and justice are served. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/XXXX XXXX XXXX, Legal Counsel Compliance Department Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX **Subject : ** Ultimatum for Rectification : Joint Misconduct by XXXX XXXX XXXX XXXX and Credit Acceptance Corporation Dear XXXX XXXX and the Compliance Department , This correspondence serves as an unequivocal ultimatum and my FINAL attempt to address the combined misconduct of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and Credit Acceptance Corporation ( CAC ) concerning the auto loan for my XXXX XXXX XXXX ( VIN : XXXX XXXX ), Account Number : XXXX. The orchestrated malpractice involving deceptive advertising, contractual misrepresentation with racial undertones, and the subsequent illegal repossession of my vehicle underscores a systematic violation of consumer rights necessitating immediate, comprehensive remediation. 

**Indisputable Violations Demanding Immediate Redress : ** 1. **Contractual Deception and Racial Bias by XXXX XXXX and CAC** : The entire contract process, from the deliberate initial indifference to the undue haste in contract signing at XXXX XXXX XXXX XXXX , facilitated by CAC, was marred by a blatant disregard for ethical conduct. This manipulation became particularly pronounced following my expressed desire to adhere to the advertised terms of no down payment, leading to a rushed process that lacked essential legal disclosures for informed consent, clearly influenced by discriminatory biases. Failing to provide disclosures such as the Finance Charge, APR and additional fees and charges before contract signing further exacerbates this claim. 

2. **Joint False Advertising by XXXX XXXX and Complicity of CAC** : The stark disparity between the no down payment terms advertised by XXXX XXXX XXXX XXXX and the conditions enforced at the point of sale, with CAC 's complicity, is a clear case of deceptive marketing that remains unaddressed. 

3. **Discriminatory Practices and Rights Violations** : I am poised to provide evidence of discriminatory treatment during the contract process, expecting a rigorous and unbiased investigation into these practices by both XXXX XXXX XXXX XXXX and CAC. 

4. **Unlawful Repossession and Record-Keeping Discrepancies** : The vehicle 's repossession from XXXX XXXX XXXX, XXXX XXXX NJ XXXX , not the address on file, coupled with CAC 's denial and inaccurate reporting to the CFPB, not only violates New Jersey law but also highlights severe record-keeping discrepancies, reflecting a systemic contempt for legal and ethical standards. 

5. **Concerns Over Securitization Practices** : The litigation alleging similar misconduct in CAC 's securitization practices that directly impacts my case demands thorough examination and accountability, shedding light on potential systemic unethical behavior. 

6. **Inadequate Response and Investigation** : The lack of a comprehensive investigation into these issues, notably the failure to scrutinize the deceptive practices at XXXX XXXX XXXX XXXX and the flawed repossession process, signifies a disturbing negligence of duty. 

**Uncompromising Demands for Resolute Action : ** - **In-depth Investigation with Full Disclosure** : A thorough investigation into all aspects of my grievances, ensuring transparency and strict adherence to legal and ethical norms, is imperative. 

- **Accountability and Comprehensive Remediation** : Both XXXX XXXX and CAC must acknowledge their roles in these violations and undertake significant measures to compensate for the harm caused, with a firm commitment to prevent such malfeasance in the future. 

- **Legal Compliance and Firm Warning** : Any evasion or misleading responses will be pursued vigorously in legal proceedings. The gravity of these issues and my resolve to achieve justice should not be underestimated. 

This is your final notice. The distress and damages resulting from the misconduct demand swift and decisive resolution. I am fully prepared to take this matter further to ensure accountability and justice are served. 

I expect an immediate, thorough, and transparent response. 

Sincerely, XXXX XXXX **Note : ** This communication is strictly in relation to the severe issues outlined, consistent with my cease and desist request. Furthermore, I reiterate the demand made in that request for Credit Acceptance to immediately cease and desist from any form of communication with third parties that involves the sharing or dissemination of my personal information. This is a non-negotiable condition aimed at safeguarding my privacy rights and ensuring adherence to lawful standards of conduct. 


Furthermore, I Vehemently State that the VERY FIRST TIME, that I received and reviewed the necessary disclosures pertaining to my auto loan contract, was after receiving a full disclosure from my initial CFPB complaint. 

*I will also be mailing this correspondence out! To ensure that Credit Acceptance Receives it, and Records it, as I am now seeking Legal Counsel, as it appears Credit Acceptance is Hell-bent on disregarding their systemic corruption. *

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