Credit Acceptance Corporation They could find my car to repo it, but could not send requested information to the correct address! Southfield, Michigan

In June 2009, Credit Acceptance repo'd my SUV.  I knew I was behind in payments, but I never received written demand of what they wanted in the way of payment to work out the problem.  Instead, I woke up one Sunday morning to find the vehicle no longer in the driveway.  When I was finally contacted by someone from the Redemption Dept., I was told the car had been towed some 50 miles away and I had to make an appointment to retrieve my property.  I was given a dollar amount to be sent by Western Union to redeem the vehicle, which I did.  Once I sent them the money, it took them two more days to confirm receipt so I could make an appointment to go retrieve the SUV.  At that point in time it was an "Oh, by the way, you owe an additional $690.00 that you will need to pay inorder to be current."  Needless to say, I thought the redemption cost included the back payments and was more than a little shocked and demanded a payment history. 

One week later the calls started coming and I explained to the woman that I had entered into a payment arrangement to catch up the back amount and she 'made a note' on my record, and then informed me that I was in default of the loan because they only have two phone numbers for me, and only two references -- I need to give them 3. I told her I don't have 3 to give. 

When I brought up the payment history request, I was told they sent one.  TO THE WRONG ADDRESS!!  These people were notified in November 08 when I moved, in July 09 they knew where to pick up the vehicle, but in September they only have my old address?  It took 2 requests and one very nasty demand to finally receive the report.

The next day a phone call and no record of my conversation the day before other than a repeat that I am in default under the loan for lack of phone contacts.  Finally, a week later some female called me and wanted the whole sordid story about why the car was repossessed and I told her to read the file.  She then became rude and told me I had to retell it to her.  I refused saying I had the right to some dignity (apparently not).  I asked for her name and she gave me a first name but refused to leave her last name saying she didn't have to. 

I finally lost it the next night when someone called me, yet again, and without letting him get started, I demanded a supervisor stating I was tired of their harassing, abusive behavior.  He tried moving me to voicemail and was told I don't talk to voice mail.  When a supervisor finally came on the line, he told me that they take the accusation of harassment and abuse very serious -- it doesn't happen on his watch -- I told him he needed to be out on the floor more often or have the decency to not lie to me.  I told him the arrangement I had with the Redemption Department and he told me there was no such arrangement and that I was still $277.00 behind and needed to pay it immediately -- he would even take the payment on the phone.  I refused.  The calls stopped for two weeks, but  when I began writing "per agreement w/Redemption Dept. in the memo section of my checks they started again.  I am averaging 4 calls per day with 2 voicemails on my cell phone -- which they were told is my home number!  They have even sent text messages!  I continue to send them additional money each month and they continue to call.

The best part is when I did finally get the payment history (8 weeks later), I find that they show the loan is $5,000 more than I financed!  After 2 years, I still owe what I financed with these jerks!!  I have written them to inquire about this and have yet to receive an answer.  If there is any way of avoiding these people in the future, do so, I know I will.