American Credit Acceptance, LLC

On XX/XX/XXXX, I called in to discuss the balance of my car loan because the loan had matured, but I still owed money. The rep, XXXX, told me to continue making my monthly payments, he would note my account, and I would receive a modificaiton agreement. I never received a modification agreement, but continued to pay on my account monthly as agreed. I called in XX/XX/XXXX, to ask about the balance and the rep told me that my account had been charged off and I would be subject to repossesion. I asked to make payment arrangements until the balance was paid in full, but they refused stating that since it was charged off, I couldn't make arrangements. I called in XX/XX/XXXX and talked to XXXX and XXXX and they both told me that a modification was emailed to me in early XXXX but they couldn't find the actual sent document or date that it was sent. I never received the modificaiton agreement and now I am at risk of having my car repossessed even though I am making monthly payments.

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. I made a {$4500.00} down payment on a vehicle priced around {$8700.00}, and the remaining balance was financed through XXXX XXXX XXXX at 27.99 % APR for 72 months. The financing included optional add-ons, including a {$2000.00} vehicle service contract. I cancelled the service contract on XX/XX/XXXX while it was still active and signed a cancellation request form. The contract term was 12 months, and it was cancelled after about one month, so a refund should have been issued to the lender. The lender has confirmed that no refund was ever received or applied to the loan. The dealership has now stated that the contract expired and no cancellation was processed. This failure to process the cancellation was not caused by me. As a result, I have been charged interest on a cancelled product and the loan balance remains inflated. After paying approximately {$9500.00}, the payoff is still about {$8300.00}.

I notified multiple times via email that I am unable to communicate effectively by phone due to a documented jaw fracture resulting from a XXXX XXXX XXXX This condition limits my ability to speak and constitutes a medical communication barrier. As a result, I am requested a reasonable accommodation under disability-related communication needs. All communication regarding my account must be conducted in writing ( email or secure message ). I have made multiple attempts to resolve this matter in good faith, including submitting hardship documentation and contacting the bank through available channels. However, I have not received a written response. My account has now been placed in repossession status despite : documented medical hardship XXXX XXXX status ongoing attempts to resolve the account i let then know that inability to communicate by phone is medically documented.…

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I am filing this complaint on behalf of my sister ( consumer ) regarding a predatory auto loan for a XXXX XXXX XXXX XXXX. We believe the lender engaged in unfair and abusive lending practices that led to a recent repossession. Key Issues : Extreme Negative Equity : The consumer owes approximately {$22000.00} on a vehicle with a current market value of roughly $ XXXX {$13000.00}. This loan-to-value ratio is grossly disproportionate and suggests the loan was structured to be impossible to repay. Predatory Terms : The loan was originated in XXXX. Despite regular payments, the balance remains nearly {$10000.00} above the car 's value, indicating an unconscionable interest rate and likely hidden fees. Aggressive Repossession : The vehicle was repossessed after only 3 months of hardship due to job loss. The lender is now demanding {$3000.00} just to reinstate the loan, which would leave the consumer in a continued " debt trap '' for a vehicle worth half of the remaining balance.

In early XXXX I requested the following info from American Credit Acceptance but did not receive a response : XXXX. Notification before Disposition of Collateral ; XXXX. Timeliness of Notification before Disposition of Collateral ; XXXX. Contents and Forms of Notification before Disposition of Collateral ; XXXX. Explanation of Calculation of Surplus or Deficiency ; XXXX. Copy of the Retail Installment Sales Contract ; XXXX. Account Payment History

FORMAL DEMAND LETTER NOTICE OF BREACH, WRONGFUL RETENTION, AND DEMAND FOR CONTRACT TERMINATION Date : XX/XX/XXXX To : American Credit Acceptance , LLC Re : Account XX/XX/XXXXXXXX Vehicle : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate relief and notice of serious legal violations arising from your companys handling of my vehicle repossession, reinstatement, and continued interference with my ability to use my property. Your handling of my entire repossession after XX/XX/XXXX was illegal. My contract with XXXX has been violated byXX/XX/XXXX. The contract is void because ofXX/XX/XXXX actions. TO THIS VERY MOMENT, I STILL DONT HAVE ACCESS TO MY CAR. On or about XX/XX/XXXX, my vehicle was repossessed. In the letter it says, We have your vehicle because you broke promises in our Agreement. On XX/XX/XXXX, I paid the required amount to reinstate my loan, including payment for the return of my vehicle and a replacement key.…

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my vehicle was repossessed after my payment was approximately XXXX days late. Prior to the repossession, I was not given sufficient notice or an opportunity to bring the account current.I am requesting that the company provide a detailed statement of the remaining balance, including how the amount was calculated, any fees added, and information about the sale of the vehicle. I would also like the company to review whether the repossession was conducted appropriately given how shortly the payment was overdue. I have kept records of my communications and am seeking a fair and transparent resolution to this issue. american credit was the lender.

I have been having trouble catching up on my car payments and I have tried repeatedly to ask for an extention or a new payment arrangement. I am disable veteran and i need my car to be able to go to doctors appointments, and it is also my source of income, as i do XXXX XXXX and XXXX. it seems like they set me up for failure and has no interest in working with me. The last time that I had my car taken I had to be put on XXXX XXXX meds that I am still taking. they should do more to work with customers.

my account was reported as having missed or late payments. However, I believe this information is incorrect. Payments were made on time and/or within the allowable grace period, or there were circumstances that were not properly accounted for by the company. I have reviewed my records and can confirm that [ explain brieflye.g., payments were processed, payments were made but applied incorrectly, or there was a payment arrangement in place ]. Despite this, the company continues to report these payments as late, which is negatively affecting my credit.

On XX/XX/year>, I submitted six ACH payments totaling {$22000.00} to pay off my auto loan with American Credit Acceptance. My online loan portal immediately reflected a XXXX balance. On XX/XX/year>, my bank confirmed that all six payments cleared successfully and were withdrawn from my account. Later that same day, my XXXX loan portal suddenly showed all six payments as reversed, backdated to XX/XX/XXXX, and my account was marked past due. I contacted my bank, and they confirmed that the funds were fully settled, not pending, not returned, and not rejected. They also confirmed that ACH payments typically take up to three business days to post on the receiving institutions side, which would place full settlement no later than XX/XX/year>. I contacted American Credit Acceptance by phone. I was initially told to send a cashiers check because the payments did not go through.…

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I put down {$28000.00} on a 2018 XXXX XXXX XXXX. After doing some research I discovered that I couldve bought the vehicle for a cash amount instead of taking out a loan and making monthly payments. I was preyed upon and I was targeted. Targeted due to previous credit stipulations and so forth. They repossessed the truck after I couldnt afford the XXXX XXXX monthly payments. They all knew I wasnt capable of making such high payments and I expressed that to the dealership. I questioned them on numerous occasions about the payments being so high with such a substantial amount down payment. They kept talking about what my credit reflected. I feel like I was lured and taken advantage of. Im making a complaint and would like to be compensated.

I am filing this complaint regarding inaccurate credit reporting by American Credit Acceptance. The account being reported reflects a repossession XXXX charge-off, however there are several inconsistencies in the reporting that raise concerns about the accuracy of the information being furnished XXXX credit reporting agencies. The payment history on my credit report contains several months marked ND ( XXXX XXXX ) within the delinquency timeline while the account is reported as delinquent both before XXXX after those months. This creates an incomplete XXXX inconsistent payment history. Additionally, the account reflects a charge-off amount of {$22000.00} while also reporting a remaining balance of {$13000.00}. I have not received documentation verifying the repossession process, the sale of the vehicle, the sale price, or how the alleged deficiency balance was calculated.…

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I am filing this complaint regarding an auto loan with American Credit Acceptance related to a XXXX XXXX XXXX XXXX. The vehicle became subject to multiple safety recalls involving a high-voltage battery fire risk. XXXX issued warnings instructing owners not to charge the vehicle and not to park the vehicle in garages or near other vehicles due to the risk of fire or explosion. The recall notice also stated that a remedy was not available for an extended period of time. Because the manufacturer restricted normal use of the vehicle and failed to provide a timely repair, the vehicle could not be safely operated. I notified the lender that the vehicle had a dangerous unresolved safety recall and was under stop-sale conditions. Despite this, the account continues to be reported as delinquent and I have not received clear information about the status of the repossessed vehicle.…

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I am being charged {$3500.00} on top of my auto loan for a warranty that was never active due to a lack of payment from either American Credit Acceptance or XXXX XXXXXXXX XXXX XXXXXXXX. One day I decided to look into my warranty ( the one I am being charged for but never was active ) because my XXXX XXXX XXXX started to give me issues, only to find out I do not have an active warranty because American Credit Acceptance or XXXX XXXX XXXX XXXXXXXX did not send the {$3500.00} to XXXX XXXX XXXX. XXXX XXXX sent notice to American Credit Acceptance and XXXX XXXX XXXX XXXXXXXX but neither responded to resolve the issue. I tried to reach out to the dealership only to find out they closed down and filed for bankruptcy. I found the owners number in my phone though and asked him about the situation and all he can do is blame American Credit acceptance. He then said either way there was nothing he could do because he got rid of all the files from the dealership.…

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I paid off the Loan for my vehicle from American Credit Acceptance. There was an overpayment and the company is refusing to tell me when the over payment will be refunded to me. They said there is no processing date and they refuse to elaborate on their refund practices. Paid off XX/XX/year> and as of XX/XX/year> they still say there is no date that I will receive the refund of my over payment.

I have attached emails showing that I formally requested voluntary surrender and provided XXXX with the exact location of the vehicle. On XX/XX/year>, I emailed XXXX at XXXX stating : Please mark this account as a voluntary surrender, not an involuntary repossession, and I provided the dealership address where the vehicle was located. I also provided documentation showing the dealership held the vehicle for months under an improper mechanics XXXX, despite performing no repairs. In my communication to the dealership, I stated : Your dealership held my car for months and filed a mechanics XXXX related to a loaner vehicle. The dealership responded acknowledging they were holding the vehicle and demanding payment. XXXX did not retrieve the vehicle despite having the location and instead reported the account as a charge-off. This reporting is inaccurate because I requested

On XX/XX/XXXX, my vehicle was repossessed. When the tow truck driver arrived, he immediately began yelling repo in front of my home and neighbors. The way the repossession was handled felt aggressive and unprofessional, and it caused embarrassment and distress. I was not given clear information about the process or what steps I needed to take regarding my vehicle after it was taken. I believe the situation could have been handled in a more professional and respectful manner.

I have asked for intermixed invoices of all of my payments for my last 2 cars I had with them. Im not able to sign into the portal because I no longer have my truck and its been years. Ive called twice and they refuse to send my itemized invoices of payments I made with both cars. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I was in a car accident and my insurance took too long to complete my claim so a lot of late car note payments was posted messing my credit up, then lost my job so I couldnt pay my credit cards off in time like I normally do. Reporting my late payments things got rough for a moment and Im trying to get back together

In XX/XX/XXXX, I financed a XXXX XXXX XXXX through XXXX XXXX and paid {$1100.00} for XXXX insurance as part of the transaction. The vehicle was recently declared a total loss. After the insurance payout, American Credit Acceptance ( ACA ) sent me a collection notice stating that I owe {$6300.00}. I purchased XXXX insurance specifically to prevent being personally responsible for a remaining loan balance after a total loss. XXXX XXXX confirmed in writing that : I do have a XXXX insurance policy. The dealership verified directly with the insurance provider that the policy is valid and in-force. Despite this confirmation, XXXX has continued to treat the balance as collectible. My attorney formally notified XXXX that the balance should be covered under XXXX coverage and that the debt is disputed. XXXX has not provided written confirmation that the XXXX claim has been processed, nor have they cancelled the balance. What do you want the company to do to fix the problem?…

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I previously submitted : Police report Identity theft affidavit Government ID Proof of address XX/XX/year> XX/XX/year> XX/XX/year> reach out and nothing was done just kept receiving letter stating " information verified as true '' Despite providing legally sufficient documentation, this account continues to report. Under FCRA Section 605B, you are required to block this account within four business days of receiving proper documentation. Failure to comply constitutes willful noncompliance under federal law. Please confirm in writing that this account has been permanently blocked and removed.

My vehicle was declared a total loss in California on or about XX/XX/XXXX. American Credit Acceptance LLC was notified shortly afterward, and they were aware that an insurance and GAP insurance payoff was pending to satisfy the loan balance. Despite being notified of the total loss and pending insurance payment, American Credit Acceptance LLC failed to process the payoff in a timely manner and did not act in good faith to resolve the account. Instead, they allowed the claim and payoff process to be prolonged unnecessarily. During this period, they continued to accept my monthly payments and applied those payments primarily to interest rather than reducing the principal balance. From approximately XX/XX/XXXX through XX/XX/XXXX, American Credit Acceptance LLC continued charging and accruing interest on the account while the insurance and GAP providers were working to resolve the total loss claim.…

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I got a car from American credit acceptance back in XXXX well tried to make payment arrangements with then when I got behind then I feel ill had major XXXX so I was unable to pay them they had a tracking device on the car they turned it off when the payment was missed, They should have not sold me the car because the interest rate. For a XXXX XXXX XXXX they was rude and treated me and they had a lawyer call me they treated me said they was going to take to court so Had went with XXXX XXXX and they was have took care of this in XXXX but they want me to take of it they charged me and remove them

I am writing to you directly after an exhausting, emotionally devastating, and completely unacceptable experience with American Credit Acceptance, its XXXXXXXX XXXX, and its repossession department. I have attempted to resolve this matter through standard channels, through my attorney, and through previous correspondence. Every attempt was met with hostility, runaround, and outright denial of my rights as a consumer who fulfilled his financial obligations. THE ORDEAL Let me be clear about what happened : I paid all monies requested by American Credit Acceptance to have my XXXX XXXX XXXX released to me. Despite this, I was denied possession of my vehicle. The road to retrieving my vehicle was filled with turbulence, tension, and frustration. It took XXXX full days of emotional calls to the American Credit Acceptance XXXX Department, multiple calls to the XXXX phone number, and several calls to the actual tow yard holding my vehicle.…

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XX/XX/XXXX I asked for an interest rate reduction of 24 % on my loan of XXXX for my XXXX XXXXXXXX XXXX to help me pay off my loan. They Refused. I was late on my XXXX payment so today I called in to let them know that I could only pay a certain amount of that late payment. This is when they told me that I qualified for an extension. I was surprised to hear this because I had previously called in to ask for an extension or deferred payment so that I would not fall behind. XXXX in the month of XXXX, I had called to ask to make a deferred payment.I was told no. However today ( XX/XX/XXXX ) XXXX, the first customer service representative I spoke with, stated that I had to fall behind before the company could do an extension. I asked to speak with the XXXX department and I was transferred to a supervisor, XXXX XXXX, she fused to give any employee number but stated that this conversation would be notated in their records.…

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I am submitting this complaint regarding a collection account being reported related to an auto loan originally associated with American Credit XXXX and now reported by XXXX XXXX XXXX. I became aware of this account only recently when it appeared on my credit report. I had previously received a refund related to this account years earlier and did not receive clear documentation explaining any remaining balance. I contacted the companies involved multiple times to request verification of the debt, including account history, balance calculations, ownership or assignment documentation, and clarification regarding prior account adjustments and refund activity. During these communications I received conflicting information about ownership of the account and who was responsible for handling disputes.…

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I went into purchasing a car with Credit Accecptance with the understanding that the car would be paid off in 6 years. When I checked on the remaining amount owed it was still much higher that expected and the car was almost 8 years in my possession. It just seemed that I was never gon na pay the car off with all the interest that they kept adding. Im confused and need help.

To Whom It May Concern, I am submitting this letter as a * * formal Cease and Desist request * * regarding ongoing debt collection activity related to the account referenced below. Pursuant to my rights under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) * *, as well as applicable * * Georgia consumer protection laws * *, I hereby demand that * * all communication and collection activity cease immediately * *. Despite this notice, I continue to receive communications that I believe are * * harassing, misleading, unauthorized, inaccurate, and/or unsupported by proper validation * *, in violation of federal and state law, including but not limited to : * * * FDCPA, 15 U.S.C. 1692d, 1692e, and 1692f * *, prohibiting harassment, false or misleading representations, and unfair collection practices ; and * * * Georgia Fair Business Practices Act ( GFBPA ), O.C.G.A. 10-1-390 et seq.…

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I made a payment on XX/XX/XXXX to my car loan with American Credit Acceptance. The payment was processed successfully. However, on XX/XX/XXXX, my vehicle was placed up for repossession. I was informed that I did not make a payment due on XX/XX/XXXX and that my XX/XX/XXXX payment had been reversed. I contacted my bank and was advised that they did not receive any returned funds from American Credit Acceptance. I then contacted American Credit Acceptance, and they stated that they were unable to provide any receipt or documentation showing that the payment was sent back. On XX/XX/year>, after filing a dispute with XXXX, the bank I used to make the XX/XX/XXXX payment, I was informed that they have no record of any incoming funds from American Credit Acceptance related to a reversed payment

I never applied for or signed a credit agreement directly with American Credit Acceptance. The vehicle was originally purchased through a buy-here-pay-here dealership that did not report credit. Any transfer of this account to your company occurred without my consent. I no longer have possession of the vehicle. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), please provide : A copy of the original signed contract bearing my signature Proof of assignment or transfer from the original dealer A complete payment history and itemized balance Proof that you have the legal authority to collect and report this debt If you are unable to validate this debt, you must cease reporting it to all credit bureaus and remove it immediately.