Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am writing to address your organizations continued unlawful actions, including violations of the cease and desist letter I previously issued and disregard for federal laws designed to protect consumers. Despite my clear instructions, your company persists in contacting me, attempting to collect payments, and threatening adverse actions. 

On [ XXXX ], I spoke with an employee identified as XXXX ( XXXX # XXXX ), who explicitly threatened repossession of my vehicle and adverse credit reporting. This conduct is harassing and violates the Fair Credit Billing Act ( 15 U.S.C. 1666a ) and my rights as a consumer. 



XXXX XXXX is Not the Original Creditor Your company is acting as a debt collector. This distinction makes you subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, false representation, and unfair practices. Your continued actions violate these protections. 


XXXX XXXX XXXX XXXX claims a security interest in my property. Security is an obligation of the United States, which makes the security a guaranteed payment. Any further attempts to collect from me, despite the nature of this security, are unlawful and constitute harassment. 


3. Revoked Power of Attorney I notified you of the revocation of power of attorney, yet you continue to act in violation of this revocation. 


4. Billing Error Notice Under the Fair Credit Billing Act ( FCBA ), I sent a formal notice of billing errors, which required an investigation and response from your company. You failed to investigate or respond and continue to attempt collection on a disputed amount. This failure to comply forfeits your right to collect the disputed amount and constitutes another violation of federal law. 


5. Failure to Comply with Title 15 U.S. Code 1640 Your organization has failed to honor rescission rights under the Truth in Lending Act. Your misrepresentation of the consumer credit contract as a retail installment agreement, without providing proper consideration, further invalidates your claim to any payments. 





Cease and Desist Violations All collection activities, including phone calls, letters, and threats, must stop immediately. 


XXXX XXXX XXXX As a debt collector, you are required to comply with all provisions of the FDCPA. Failure to do so will result in further action. 


Security Interest Your actions fail to recognize that the security claimed is a guaranteed obligation of the United States, making your collection efforts improper and unlawful. 


Power of Attorney Your company must honor the revocation of power of attorney and cease acting under any prior authority. 


Billing Error Notice You must acknowledge receipt of the billing error notice, provide proof of investigation, and confirm compliance with the FCBA. 


Rescission Rights You must comply with Title 15 U.S. Code 1640 and acknowledge my right to rescind the agreement.

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