Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Subject : Complaint Regarding Illegal Repossession by Credit Acceptance Corporation Dear CFPB, I am writing to formally file a complaint against Credit Acceptance Corporation ( CAC ) regarding an illegal repossession of my vehicle that occurred on XX/XX/year>. The repossession was conducted in direct violation of the law and in breach of peace. Below are the details of the incident : Illegal Entry and Trespassing : The repossession agents unlawfully entered private property where signs are posted by the district attorney stating, " THIS PROPERTY IS FOR RESIDENTS AND THEIR GUESTS ONLY '' as part of the Anti-Trespass Program. The signs also indicate that all towing should be handled by XXXX XXXX XXXX, which implies a contract with the property owner. Credit Acceptance Corporation had no authorization to be on this property. 

Breach of Peace : During the repossession, the agents used threats and profanity. They employed physical force by having men stand guard in a separate vehicle, which further contributed to a hostile and intimidating environment. 

Unlawful Repossession : Despite my explicit refusal to allow the repossession and my visible distress, the agents proceeded with the repossession. My boyfriend attempted to retrieve our property from the vehicle, but the driver of the tow truck cursed at him, threatened him, and forcibly continued the repossession, dragging and damaging the car in the process. 

Damage and Intimidation : The driver of the tow truck continued to drive despite my boyfriend 's attempts to negotiate and retrieve our belongings. This reckless behavior caused significant damage to our vehicle and heightened our distress. 

Right of Rescission Notice : On XX/XX/year>, I sent Credit Acceptance Corporation a notarized right of rescission notice based on fraud. I also have a certified copy of a UCC 11 search confirming that Credit Acceptance Corporation does not have any lien on my vehicle. This confirms that the vehicle is my private property, and the repossession constitutes auto theft. 

Video Evidence and Police Report : I have video footage of the towing and the damage caused to my vehicle. Additionally, the footage includes interactions with the police, who stated that my car was, in fact, stolen. I have also filed a police report documenting the incident. 

This conduct not only violates state laws regarding repossession but also breaches the peace and safety of residents. I request that your office investigate this matter and take appropriate action against Credit Acceptance Corporation to address these unlawful practices and ensure such incidents do not recur. 

Please feel free to contact me if you require any further information or documentation related to this complaint. I appreciate your prompt attention to this serious matter.

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 monetary relief