Date Received: 2018-01-16T00:00:00

Product: Auto debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX SUV Reposessed by Credit Acceptance XXXX – Judgment placed against me by XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance for Balance of Original loan less sold value, plus interest XXXX – XXXX Garnishment From wages to pay balance XXXX – Called XXXX XXXX XXXX XXXX stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. XXXX XXXX XXXX XXXX stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XXXX/XXXX/XXXX.

Ive sent requests in writing to Credit Acceptance, and XXXX XXXX XXXX XXXX for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with Credit Acceptance who said I needed to speak with XXXX XXXX XXXX XXXX on the matter. XXXX XXXX XXXX XXXX could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance.

Since XXXX/XXXX/XXXX, they have taken almost {$600.00} in additional garnishment.


State/Zip: NY 142XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2782955

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