Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation regarding the mishandling of my auto loan account, improper repossession procedures, unexplained account changes, and failure to comply with XXXX and consumer protection regulations. 
Their actions have caused financial harm, stress, and a pending registration suspension scheduled for XX/XX/year>. 

XXXX. Wrong Address on XXXX XXXX XXXX admitted that they had the wrong address on file at the time of repossession. Because of this, I never received any required notices, including : Notice of default or right to cure Notice of intent to repossess Post-repossession sale or redemption notice Explanation of deficiency balance Failing to send these notices to my correct address violates consumer rights and state repossession laws. 

XXXX. No Repossession or Sale Notice Received To this day, I have not received any written communication regarding the vehicles sale, balance calculation, or my right to redeem it. 

Repossession and sale without proper notice are procedurally and legally improper. 

XXXX. Unexplained Balance Change Before repossession, my account balance was approximately {$35000.00}. After repossession, XXXX XXXX updated my credit report to show a balance of {$32000.00}, without providing any written documentation or explanation. 

I do not know the auction sale price of the vehicle, nor do I know how any fees were applied. 

I am requesting a full accounting and documentation of how this new balance was calculated. 

XXXX. Improper Repossession Procedure Since XXXX XXXX had the wrong address, they could not provide proper pre-repossession or post-sale notices, denying me my legal right to cure or redeem the vehicle. 

This makes the repossession procedurally invalid. 

XXXX. Plates Not Returned to XXXX ( Causing Registration Suspension ) After repossession, XXXX XXXX or their repossession agent failed to return my license plates to the XXXX XXXX  XXXX, as required. 

As a result, my vehicle registration is scheduled to be suspended on XX/XX/year>, which is a direct consequence of their failure. 

XXXX. Payment of Only Actual Deficiency I am not seeking to redeem the vehicle. I am only willing to pay the actual deficiency, which is the difference between the auction sale price and the amount owed at repossession, plus allowable fees. 

I do not agree with the full balance claimed ( {$32000.00} reported on my credit report ) until I receive a full, itemized accounting and proof of auction sale price. 

Requested Resolution I am requesting that the CFPB require XXXX XXXX to : Provide a full account audit and written explanation of how my balance changed from {$35000.00} {$32000.00}. 
Provide proof of all repossession and sale notices, including dates and addresses used. 
Provide written confirmation and proof that my license plates were returned to the XXXX. 
Communicate with the XXXX to correct the registration suspension scheduled for XX/XX/year>. 
Temporarily pause any credit reporting or collection activity until this dispute is resolved. 
Correct or remove any inaccurate reporting on my credit report related to this account. 

XXXX XXXX handling of my account has been mismanaged, misleading, and harmful. 

They repossessed my vehicle while admitting to having the wrong address, failed to provide required notices, changed my balance without explanation, and neglected to return my license plates, causing a pending XXXX registration suspension. 



I am requesting a full investigation by the CFPB and a written response from XXXX XXXX explaining and correcting these issues.

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