Credit Acceptance Corporation Consumer Loan Complaint

Credit Acceptance Corporation Consumer loan department,

Vehicle loan Problems when you are unable to pay Virginia

My complaint is that I purchased a truck back in - 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely - the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them $3100.00 less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.