Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Dear CFPB Review Team, Thank you for providing Credit Acceptances response to my complaint. I respectfully submit this rebuttal because the furnishers response does not address the issues raised, does not cure the violations, and does not provide the documentation I requested in my original dispute.

This rebuttal is based entirely on objective evidence, including the documents Credit Acceptance provided and the contract package recently sent to me.

The furnisher did not provide validation of the contract.

Credit Acceptance did not provide : A complete validation of the alleged debt A verification of my authorized signature A signed contract containing my authentic handwriting TILA disclosures delivered at the time of signing Down-payment accounting Add-on itemization Dealer disclosure documents Any audit trail of an electronic signature process Any IP logs or authentication logs Instead, the response consists of statements, not evidence. 


-- - XXXX. The signatures on the contract package appear inconsistent with my actual signature. 

Based on the documents provided, the signatures and initials displayed show characteristics that : do not match my normal handwriting appear identical across multiple pages display uniform line thickness appear digitally inserted rather than handwritten For these reasons, I dispute the authenticity of the signatures and request that Credit Acceptance provide forensic verification of the electronic signature process, including the system logs, timestamps, authentication trail, and any evidence that the signature was created by me. 

No such evidence was provided. 


-- - XXXX. The creditor issued a default notice during an active dispute period. 

My certified notices were delivered as follows : Round XXXX : XX/XX/year> Round XXXX ( Final Opportunity to Cure ) : XX/XX/year> Cure deadline : XX/XX/year> Credit Acceptance issued a Notice of Default on XX/XX/XXXX, XXXX days before the cure period expired. 

This is continued collection activity during an active dispute, and I am requesting that the CFPB review this action. 


-- - XXXX. The creditor contacted me via unauthorized channels. 

Credit Acceptance contacted me by email, even though my written notices stated written communication by XXXX Mail only. 

Unauthorized contact during dispute is a violation of federal consumer-protection standards. 


-- - XXXX Credit Acceptance relied on dealer statements without providing supporting evidence. 

The furnisher states that the dealer witnessed my electronic signature process. 
No evidence was provided to support this statement. 

There is no : audit record authentication trail timestamp logs device/terminal identification evidence of contract delivery at signing Without these required documents, the furnishers statements can not be considered validation. 


-- - XXXX Credit Acceptance did not cure any of the issues raised in my original complaint. 

My complaint listed violations and documentation deficiencies that remain unresolved : Unauthorized signature concerns Missing disclosures No accounting of fees No down-payment verification No e-signature audit logs Unlawful enforcement during dispute No contract delivered at signing None of these items were cured.

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