Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
This complaint is submitted against American Credit Acceptance ( ACA ) and XXXX XXXX XXXX XXXX for unlawful repossession and debt collection practices. ACA authorized a repossession over six months prior to execution without ever issuing the required statutory notices or verifying the consumers address with the XXXX. XXXX  executed the repossession without any opportunity to cure, retrieve personal property, or receive legal redemption notices. 
Violations and Supporting Facts XXXX. Repossession Without Required Right-to-Cure Notice ACA never issued a written right-to-cure notice as required by Wisconsin Statutes 425.104.105. The borrower was given no warning, no opportunity to reinstate, and no mailed default notice before repossession. 
XXXX. Improper Address Handling XXXX Access Ignored ACA had a live repossession order open for more than XXXX months without making any effort to check for current XXXX registration data. The consumer resided at a verifiable XXXX XXXX address during that entire period. This omission further invalidates any claim that the consumer was unreachable. 
XXXX. Bankruptcy Discharge Violation 11 U.S.C. 524 ( a ) Co-borrower XXXX XXXX XXXX received a XXXX  XXXX discharge. No reaffirmation was filed. ACA acted to repossess the vehicle based on a discharged debt. This constitutes a direct violation of the federal bankruptcy injunction. 
XXXX. Failure to Send Post-Repossession Notice No post-repo notice was sent to the registered owner. No redemption instructions or information about vehicle sale timeline or remaining balance was provided. 
XXXX. Seizure of Personal Property and Firearm The repossessed vehicle contained over {$2000.00} worth of personal items and a legally owned firearm. No inventory was provided, no access granted, and personal effects were unlawfully held.

Requested Relief : Immediate CFPB review, enforcement investigation against both companies, and formal sanctions or referral to U.S. Bankruptcy Court as necessary.

Requested Compensation : Due to the unlawful repossession, mishandling of personal property, violation of federally discharged debt protections, and the resulting disruption to transportation, employment access, and emotional well-being, I am requesting compensation in the amount of {$5000.00} for documented hardship and distress. This includes loss of income opportunities, mental distress, and inability to access critical property left in the vehicle. 
XXXX. Abandonment of Account and Failure to Contact : American Credit Acceptance removed the auto loan from XXXX XXXX XXXX credit report in or around XX/XX/2023. For over six months following that removal, ACA made no effort to contact either borrower, send a notice of default, or initiate collection. 
Despite having access to current address records and knowing the consumer had been residing in XXXX XXXX, XXXX, ACA remained silent until executing the repossession. This extended inactivity, followed by sudden enforcement, supports the finding that ACA had effectively abandoned its enforcement rights, and renders the repossession improper and abusive. XXXX. Abandonment of Enforcement and Credit Removal : ACA removed the auto loan from XXXX XXXX XXXX credit report in or around XX/XX/2023. However, ACA had already gone silent on the account for over 20 months with no billing, contact, or notice issued to either borrower. During that time, the borrowers resided at a known XXXX XXXX address. The initial repo agent confirmed the repossession order had been assigned to that address and remained active for 6 months prior to the repossession. This demonstrates a pattern of concealment, abandonment of enforcement, and sudden unlawful seizure without the required statutory steps.

Company response to consumer: Closed with explanation