ComplaintsforAmerican Credit Acceptance, LLC

• Initial Complaint

  10/19/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  on Tuesday, 10/12/2021 I received an email from American Credit acceptance referencing that my vehicle had been assigned to a repossession agency and can be picked up at any time. I contacted the company immediately and asked about the possibility of a payment arrange to avoid this. And with concerns as to why i would not be given other options to avoid the repossession I called months prior as i made my last payment with a representative and the representative advised that there were no options to avoid the repossession. I have been receiving unemployment of which has since stopped. How can you send out notice advising of the repossession minutes prior to the repossession. I was advised that once the account had been assigned for repossession, there was nothing to prevent the car from being taken even if a payment had been made that day. i was told to be 75 days past due and then told that i was 3 months behind. my vehicle was wrongfully repossessed im being charged all sorts of fees.

  

  Business response

  11/10/2021

  
  This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed  ******* ******** with the BBB case number ********
  
  ACA has reached out by phone and have been able to speak with Ms. ********.  An investigation of the customer’s account determined that Ms. ******** signed a Retail Installment Sale Contract (copy attached) on 5/15/2020.  On 10/09/2021, Ms. ******** received a text alerting her that her account was 72 days past due and repossession was possible.  She called ACA on 10/12/2021, three days later, attempting to make arrangements to prevent the repossession.  However, at that time the account was 75 days past due and we were unable to stop the repossession already in progress.  Ms. ******** has since paid $1,910.86 on 10/19/2021 to bring the account current, and she got her vehicle back on 10/20/2021.   
  
  The customer account is currently past due for her 10/29/2021 payment. Ms. ******** can contact our customer service department at 866-******** to bring her account current.
  
  A positive customer experience is a top priority for ACA, as stated in our mission and values. If Ms. ******** has any questions, she may contact Karen R at 864-******** or ******************@acacceptance.com.      
  
  Keith K.
  Customer Experience Manager
  

• Initial Complaint

  10/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  American Credit Acceptance is the lender for one of my cars. Every single month is a different type of fee and it’s getting out of control. We pay over $800 one month to be current and they will still say that we are over 30 days late on a payment. My credit score dropped 95 points because of this. They put on my credit report I was 30 days delinquent even though I paid double, then on the 23rd of September put I was current on payments. Now according to them I’m 30 days delinquent again. The harassing phone calls and fees are getting ridiculous. I would like an explanation of charges and a correction to my credit report. Also of note, they never answered my complaint from the ******** ******** ******** either.

  

  Business response

  10/27/2021

  
  This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by ***** **** with the BBB case number ********   
  
  ACA has reached out by phone and have been unable to speak with Mr. ****.  Before we can provide any information in regard to this account, we need the account owner to contact us at 864-******** and provide information on Mr. **** so we can potentially make Mr. **** an  authorized party on the account.  Once we receive this information, we be able to provide a detailed response.
  
  Keith K.
  Customer Experience Manager   
  

*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. ↩