Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hey there, Im supposed to be issued a refund for my ************* since Ive refinanced my vehicle with another company. They wont give me a time or date as to when Ill receive my check that im entitled to. Ive fought with them over the phone for two weeks now with no update. Im supposed to be issued this check with $600+ and their customer service are seeming to avoid my emails regarding this cancellation of GAP coverage. I would like to expedite this process and thats why Im writing this note. My name is ****** January and my account number with them is ******* and this is a refund for my 2013 **** Mustang

  Customer Answer

  Date: 02/19/2025

  
  I was issued a GAP refund of $230.19, however, I never had to use my insurance for a claim, so I should've been issued a refund of $590 which is the total amount I paid for gap when I financed my vehicle.

  Business Response

  Date: 02/20/2025

  Mr. ******* has received his refund in the amount of $230.19 as evidenced by a copy of the check that he provided in his complaint ID ********.  He is requesting a full refund of the full amount of the *** coverage that was paid, and the amount that was returned to him based on a pro rata refund since he executed his contract on February 23, 2022 and paid his contract on ******* 20, 2025 which was almost 36 months into the 66 month term.  

• Initial Complaint

  Date:12/23/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am unableto register my account on their website. And customer service is not helping at all. A 100% of my paymens are going towards interest after over a year of payment. Im not asking for an email of payments made. I want to look ***** account on line like every other business i pay money to.

  Business Response

  Date: 01/03/2025

  On December 23, 2024, our customer service staff attempted to assist Ms. ******* with her profile to make online payments.  On December 24, 2024, Ms. ******* stated she received a confirmation for the payment made, and asked for an explanation as she thought there was a deferment in place.  It was explained that the payment made on 12/23/2024 went towards November.  As a courtesy we did waive a late fee that was incurred.  It should be noted that the payment that was made on January 2, 2025 covered December and the next payment is due on January 22, 2025.  This is a simple interest contract, and as payments are made the principal amount will decrease and more of the principal will be paid down with each payment.

• Initial Complaint

  Date:11/04/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with this company; I was not provided with a contract.

  Business Response

  Date: 11/05/2024

  Mr. ******* indicates in his Customer Review that he filed that he was upset about the insurance coverage on his truck, and that he was required to maintain full coverage on the vehicle.  This complaint from the same person states that he does not know if he has a contract with us?  I would like to confirm that Mr. ******* has identified the proper party either in his Customer Review or in this complaint.  

  Customer Answer

  Date: 11/05/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below: my credit history is wrecked because of this matter and no one has tried to show any kind of support or compassion empathy towards what took place its were is my money oh you dont have it ok we will continue to s**** you no matter what what about the 12 k or over 12k I paid towards the truck and for some strange reason it has never left 21k what I paid for it I want this off my credit this is absurd 
  
  [You must provide details of why you are not satisfied with this resolution. Please type details here:]
  
  Regards,
  
  ****** *******

• Initial Complaint

  Date:05/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt automotive credit corp. I do not have a contract with automotive credit corp. They did not provide me with the original was requested.

  Business Response

  Date: 05/21/2024

  ******************************* executed an installment contract on March 14, 2017 for the purchase of a 2008 ****** Maxima.  He defaulted on the contract and the vehicle was repossessed and sold.  A deficiency balance remained.  The account was sold to Autovest, L.L.C. and then referred to ***************************** & Associates and after they were unsuccessful with collection efforts, the account was referred to ****** & Associates.  They filed suit in November 2020 and obtained a judgment against ************ on February 3, 2022.  The law firm has filed wage garnishments related to this debt.  If ************ wishes to make payment arrangements on the balance due, he can contact ***************************** & Associates at ************.

• Initial Complaint

  Date:04/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Correction to my credit report I demand this account be removed from credit report

  Business Response

  Date: 04/23/2024

  A search was conducted by name, by address, by phone number and by email, and I cannot locate this customer in our active records.  Can you please provide a social security number, date of birth or account number so that we may locate this individual?

• Initial Complaint

  Date:03/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On or around 1/14/2022, I purchased a vehicle from Automotive Credit Corp which I was told would be solely in my business name; I put down $5000 and was scheduled to pay $908 monthly; payments due on 24th of the month Truck was totaled on 2/22/22 by a driver than ran the stop sign but payment 1 was still made 2/24/22 3/23/22 insurance company made settlement payment;i had no knowledge at the time 3/30/22 I made the regular payment of $908 April 2022 I found out insurance had paid off the vehicle when I logged into my account and it showed $0.00 due; This was confirmed with a call as well 5/13/22 I received a call from ***************************** law firm stating I owed $4,668.78 for the truck because insurance didn't cover full balance; I paid immediately on same phone call June 2022 a charge off hit my account for $4591 and I been fighting this ever since; First I had to make them update the balance to $0 as it was paid way before hitting my report; Next I challenged it based upon violation of The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.This account that was opened 1/22 and closed 3/22 per credit report; down payment was made in Jan, payment made in February and 2 payments made in March yet creditor reported this a major derogatory in 3/22; Account cant be derogatory if a payment was never late during the entire time the account was opened and prior to being paid to $0 balance

  Business Response

  Date: 03/25/2024

  ****************** executed an installment contract on January 14, 2022 for the financing of her vehicle. The vehicle was involved in an accident and her insurance carrier paid the amount of $37,606.87 on March 30, 2022. A deficiency balance of $4,658.83 remained after the application of the insurance payment. Pursuant to ACC's business policy, this balance was charged off on April 29, 2022. The account was then sold to Autovest, L.L.C. Autovest refers its accounts to ************************************************************* for servicing. ****************** communicated with ***************************** and paid the remaining balance that was now owed to Autovest on May 13, 2022. Her contract account, now owned by Autovest, was paid in full. ACC has updated its system to report that the account is now paid in full but was a charge off. This information will be transmitted to the credit reporting agencies.

  Customer Answer

  Date: 03/25/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  This is the exact same word for word response you made in 8/22 when I first made a complaint; I am simply disputing how you are reporting 3/22 as month of first delinquency when 1) by your own admission, insurance payment was made in 3/22 2) by your own admission, account was charged off 4/29/22 and sold to autovest LLC 

  In order for an account to be delinquent a payment had to be missed for a period of atleast 30 days, no payment was missed on this account ever so how could it be delinquent in 3/22; Also if account was charged off and sold to Autovest LLC on 4/29/22, How did your company report this 6/22 to my credit report with a $4591 balance owed? When a debt is sold and charged off it has a $0 balance with original creditor which is ACC; Also per your own admission, I paid the balance 5/13/22 so again how did it report as still owed to anyone 6/29/22??  

  You have a duty by law to report accurate information and you are illegally and incorrectly reporting information that is not True; this account was never delinquent and a charge off was no longer a factor in June of 2022 when reported if balance was paid 5/13/22 although I was never contacted by you all regarding a left over balance you still said it was sold on 4/29/22 which means I owed you $0 now yet you reported I owed $4591 in June of 2022 on my credit report 

  Please delete this account as it is reporting incorrectly 
  Regards,
  
  *******************************

• Initial Complaint

  Date:02/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *********************************** non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the *********************************** ESTATE, is in possession of your recent voluntary submission of evidentiary documents and dishonor. Thank you for your computer generated offer. I conditionally accept your offer to pay the entire indebtedness (twice) the least on proof of claim, return of my (ORIGINAL) instrument(s) (NOT COPY's) and your authority to demand another presentment IF the previous debt TENDERED was REFUSED! You were TENDERED Bill(s) of Exchange(s) pursuant to Title 15 31 USC **** to settle the account. Money Orders are the same negotiable instruments as *************** Notes and must be processed the same way under GAAP(Generally Accepted Accounting Principles) - HJR-192, Public Law ***** and Title 31 USC **** prohibits Banks/creditors from demanding any specific specie of payment. All Banks must process lawful ************* currency. Failure to do so is "interference with commerce", a felony under the **** ACT, 18 USC ****. If you believe you have a lawful reason to "Dishonor" this negotiable instrument you must return it to the Agent above wi.th, )awful reason(s) fully stated and cited. Failure to provide lawful reason(s), or to misdirect this instrument, is grounds for a complaint to the *** under the ***** (Fair Debt Collection Practices Act), 15 USC ****al. It is your duty to honor this instrument for payment, to know, abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for the payment of debt in accordance with 31 USC **** and other statutes/code. Failure to process and credit the intended account will result in a request of the ************************ [to investigate and audit the accounts balance sheet,?] and file IRS Form 3949A Information referral to the *** ********************************* of the ****

  Business Response

  Date: 02/06/2024

  ************************ executed an installment contract on September 10, 2022 for the purchase of a 2017 **** Transit Connect from Real Deal Auto.  Automotive Credit Corporation ("ACC") is the creditor that financed this vehicle.  The contract requires payments of $383.16 each month, and ************************ is currently past due.  It is unclear from this complaint what exactly the issue is for ACC to investigate further.  ************************ executed a contract and payments are necessary as the vehicle is secured by the contract.  

• Initial Complaint

  Date:02/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am writting you to inform you an error in my credit report, and request that you have it deleted. it is inaccurate and the agency is in violation of 15 usc ****g. they were to notify me of this in writting 5 days prior, i was not notified. i do not validate this debt. therefore the account must be deleted from my vredit report immediatly.*******

  Business Response

  Date: 02/06/2024

  Automotive Credit Corporation ("ACC") is unable to locate ************************** account in our system without additional information.  We have multiple accounts with the same name, so a full address or last four of the social security number are needed so we can respond to her issue related to credit reporting.

• Initial Complaint

  Date:01/17/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with automotive Credit Corporation. I do not have a contract with Automotive Credit Corporation, they did not provide me with the original contract as I requested.

  Business Response

  Date: 01/18/2024

  ******************** executed an installment contract with ***************** on January 20, 2022 for the financing of a 2014 **** Flex with last six of the *** as D40934.  He made payments on the contract until August 2023 when he stopped making payments and advised that he wanted to voluntarily surrender the vehicle.  The vehicle was then picked up and sold at auction and a deficiency balance remains due.  

• Initial Complaint

  Date:11/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Automotive Credit Corporation, I do not have a contract with Automotive Credit Corporation, they did not provide me with the original contract as i requested.

  Business Response

  Date: 11/15/2023

  ******************************* executed an installment contract on December 23, 2021 for the financing of a 2014 ****** Camry.  ********************** stopped making payments on the car in June 2022 so the vehicle was repossessed and sold.  After the sale of the car, there remains a balance due.  This amount was charged off and is reflected as same on her credit report.  This is a valid debt based on the contract execution for the purchase of this vehicle.