Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
A representative by the name of *** called me and asked about the complaint that I submittedI told her that I wanted the repossession extracted from my credit because American Credit Acceptance did not honor the contract by providing me with the necessary paperwork when my car was takenSecondly, I requested that a copy of the contract, repair work, auction paperwork and location of car be sent to me with a breakdown of all costs since I felt that the amount reported on my credit report was excessiveI also was upset with the fact that my information was released to me via phone when I'm their system they had an incorrect address that I never resided at. During out in total conversation *** stated that she didn't have any paperwork that I rewuestedwith the exception of the contract and that she would need to locate the information by requesting it from multiple departmentsShe did send a copy of the initial sales contract that states the responsibilities of both parties On page of the contract it states (Getting the Vehicle and Property Back After Reposession) " If we repossess the Vehicle, you have the right to get it back until we sell itThis is your right to redeemWe will tell you what you need to do or how much you need to pay to redeem the Vehicle(Sale of the Repossessed Vehicle) We will send you a written notice before we sell the Vehicle...I was not extended either courtesy mentioned in the contract*** also stated to me during our initial conversation that she too had the incorrect address on fileI went on to explain to her that's why I was also upset because if I have to give you my last four digits of my social, my name and my address to prove that I am who I say I and I was saying something different than what was in your system why did you go on and give my information awayThat's a security issue and she along with the two other reps in the call center all stated that they had an address I never gave them and that's why I didn't recieve any paperwork.Earlier this week *** forwarded me an email stating that she has found the letter and paperwork for repairsShe said they were sent to me in August Even though everyone I've spoken to have stated that they had a different address all of s sudden this paperwork has the correct address dated back to August I don't think soAnd *** states that it was "automatically generated" on the dateI asked " How ***?" In my last three conversations everyone has stated the address was wrong and now magically you have a " automatic generated" letter dated back to August with no proof you mailed itI went on to ask how do they mail such important paperwork she stated she did not know and that they did have the right address it was just on a deeper screen only managers can access and that they've had the address since 2/12/Really?! Why would the customer service call center who has first contact with all clients not be able to access a screen that has the correct address when they have to verify in order to release any account information? I'm just not believing any of itI wanted this removed from my credit immediately due to their lack of professionalism when it comes to protecting information and following protocolI am available for questions
Regards,
*** ***
This is in regards to complaint ID *** We have
contacted *** *** and he indicated that he was not in a position to redeem
the vehicle. At no point prior to the repossession did we imply that
making less than the full contractual payment or paying any amount less than what was due would prevent the
vehicle from being repossessed. *** *** does have a balance on the loan
and was given proper credit for the partial payment paid on the account.
When we spoke to *** *** on December 17th, he indicated that he
was in the process of retrieving his personal items from the vehicle and we
have verified they were picked up on that day from our third party
vendor. If he has any additional questions, I will personally be
available to assist him. I can be reached at ***, or by email at ***
Thanks,
*** ***
American Credit Acceptance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by
*** *** with the Revdex.com case number ***.
ACA has reached out by phone to
*** *** and we are working to resolve the issue. We are in
the
process of providing an accommodation that will satisfy the situation. We
hope to have this completed shortly. We do appreciate the customers’
business and apologize for the inconvenience this situation has caused.
If she needs further assistance, we can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***.
ACA has reached out by phone to
*** ***, and have been able to resolve the issue. We were able
to
send over the requested information which resolved the problem.
Apparently this complaint was related to a separate incident which occurred
last September. In this case, we promptly sent out the requested
information. A slight delay did occur due to our hours of operation, but
we promptly sent out the requested information the following morning
In the prior situation, we did have a delay at a time when the
customer needed quick information but were able to get that documentation to
him within a five business day period. We do apologize for any
inconvenience this situation may have caused. We appreciate the customers’
business and will be available if he has any additional questions. We can
be reached at *** or ***.
*** ***
Customer Relations
Manager
American Credit Acceptance
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
I was told by one of the agents that work with American Credit Acceptance that if I was to make that payment of $dollars that my car will not be repo but the company took the vehicle anyway I think it is un professional and illegal to accept a payment and then take the vehicle according to the business website if you request a refund for a payment you may do so at anytime so for my money not to be refunded is unfair and a breach of contractAlso all of my personal items was not return to me which total in the amount of approx. $500.00 and I have also made a Revdex.com complaint about that also
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number***.
ACA has reached out by phone to *** ***, and we have been unable to reach him. We did send him the information
that he requested in the settlement section of the complaint by overnight mail and will be available to review the information should he have any questions. We do appreciate his business and hope that the information we sent resolves the issue. We are available for any questions that he may have and can be reached at *** or***.
*** ***
Customer Relations Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and we have been able to resolve the issue. We were able
to
provide an accommodation that satisfied the customer. We apologize for
the confusion this situation has caused and will be available if he has any
future questions. We can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and have been able to resolve the issue. We were able to satisfy the
customer’s request listed in the “Desired Settlement” section of the complaint and have confirmed that she has received the requested items. We do appreciate the customer’s business and apologize for the frustration this situation has caused If she has any additional questions or if there is anything else that she needs us to provide, she can contact us at *** or ***
*** ***
Customer Relations Manager American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and are working to resolve the issue. We are compiling
the
requested documents and hope to have those to her very shortly. We look
forward to resolving this grievance. We are available for any questions
that she may have and can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***.
ACA has reached out by phone to *** ***, and we were able to discuss the situation. Unfortunately, at
this time, we are unable to make the change to the credit history that the customer was requesting. Upon review of the situation, we found our reporting to be accurate in its current state. We do appreciate the customer business and hope one day to have her as a customer again. We are available for any questions she may have and can be reached at *** or ***.
*** ***
Customer Relations Manager American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to [redacted]. Due to issue with time zones, we have been unable to reach her. ...
We sent her an email informing her that her due date change request has been applied to the account. We apologize for the confusion and frustration this situation has caused and will be available for any questions the customer may have. I can be reached at [redacted] or [redacted].
[redacted]
Customer Relations Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to
[redacted], and we have been able to discuss the matter. We...
have
found through our investigation that in October of 2014, we did not guarantee
or imply that partial payments would be acceptable on her account. We
feel we were very clear on the status of the account and the amount that was
past due at the time. We have also offered to send the customer a copy of
her simple interest retail installment contract which she declined. In
addition, we have offered to settle the account and that was also
rejected. We do appreciate the issues that the customer has experienced
and apologize for any confusion. If she has any question or needs
information in the future, I can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
I [redacted]Thank you, I,m not happy with American acceptance at all. Would not recommend them to anyone. Still think when they say this your balance that should be your balance. Not tack on 900 when they know your paying off. Thanks anyway.
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted]
ACA has reached out by phone to [redacted], and we have been able to discuss the issue. Due to the situation, we are...
very limited on the assistance that we can provide but will be more than happy to accommodate [redacted] with any document relating to her account that she would like. We are in the process of making sure her account is reporting accurately and should have that accomplished in the next few days. We also sent her by overnight mail a copy of her transaction history and information on how interest was calculated on her account. We are always available for questions and can be reached at [redacted] or [redacted]
[redacted]
Customer Relations Manager American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted]
ACA has reached out by phone to [redacted], and we have been able to discuss the issue. We apologize that
[redacted] made a trip to the auction house when his vehicle was located
elsewhere. Based on our research into the matter, we show that we did ask
him to call ahead and set an appointment. We were able to make an
accommodation for the customer, leaving his next payment due for 3/15/15.
If he has any additional questions, we can be reached at [redacted] or [redacted].
[redacted]
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by[redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to [redacted], and have been able to discuss the issue. We reviewed the complaint with...
the customer and apologize for the inconvenience the situation has caused. The event occurred when one of our vendors was delayed in reporting and created an unexpected situation for our customer. We appreciate [redacted]’s willingness to work with us to resolve the issue and will be available if she has any additional questions. My contact number is [redacted] or [redacted].
[redacted]
Customer Relations Manager
American Credit Acceptance<
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by
[redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to
[redacted] and we have been able to resolve the issue. We have made...
an
accommodation that is satisfactory to the customer. We appreciate the
customer willingness to work with us to resolve the problem and will be
available if he has any future questions. We can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. ACA failed to provide me any adequate and timely receipts and or invoice and violated STATUE Section 679-506 AND Section 679.501 . ACA also failed to provide me any proof that any documents were actually mailed to me with tracking number and receipt. FLORIDACollateral Recovery Upon DefaultPeaceful repossession allowable.Redemption of Collateral a secured creditor may sell, lease or otherwise dispose of the collateral in a commercially reasonable manner, public or private sale. Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. (Section 679-506)Deficiency RequirementsA creditor must account to the debtor any surplus, and unless otherwise agreed, the debtor may be liable for any deficiency.State CodeSection 679.501
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
A representative by the name of *** called me and asked about the complaint that I submittedI told her that I wanted the repossession extracted from my credit because American Credit Acceptance did not honor the contract by providing me with the necessary paperwork when my car was takenSecondly, I requested that a copy of the contract, repair work, auction paperwork and location of car be sent to me with a breakdown of all costs since I felt that the amount reported on my credit report was excessiveI also was upset with the fact that my information was released to me via phone when I'm their system they had an incorrect address that I never resided at. During out in total conversation *** stated that she didn't have any paperwork that I rewuestedwith the exception of the contract and that she would need to locate the information by requesting it from multiple departmentsShe did send a copy of the initial sales contract that states the responsibilities of both parties On page of the contract it states (Getting the Vehicle and Property Back After Reposession) " If we repossess the Vehicle, you have the right to get it back until we sell itThis is your right to redeemWe will tell you what you need to do or how much you need to pay to redeem the Vehicle(Sale of the Repossessed Vehicle) We will send you a written notice before we sell the Vehicle...I was not extended either courtesy mentioned in the contract*** also stated to me during our initial conversation that she too had the incorrect address on fileI went on to explain to her that's why I was also upset because if I have to give you my last four digits of my social, my name and my address to prove that I am who I say I and I was saying something different than what was in your system why did you go on and give my information awayThat's a security issue and she along with the two other reps in the call center all stated that they had an address I never gave them and that's why I didn't recieve any paperwork.Earlier this week *** forwarded me an email stating that she has found the letter and paperwork for repairsShe said they were sent to me in August Even though everyone I've spoken to have stated that they had a different address all of s sudden this paperwork has the correct address dated back to August I don't think soAnd *** states that it was "automatically generated" on the dateI asked " How ***?" In my last three conversations everyone has stated the address was wrong and now magically you have a " automatic generated" letter dated back to August with no proof you mailed itI went on to ask how do they mail such important paperwork she stated she did not know and that they did have the right address it was just on a deeper screen only managers can access and that they've had the address since 2/12/Really?! Why would the customer service call center who has first contact with all clients not be able to access a screen that has the correct address when they have to verify in order to release any account information? I'm just not believing any of itI wanted this removed from my credit immediately due to their lack of professionalism when it comes to protecting information and following protocolI am available for questions
Regards,
*** ***
This is in regards to complaint ID *** We have
contacted *** *** and he indicated that he was not in a position to redeem
the vehicle. At no point prior to the repossession did we imply that
making less than the full contractual payment or paying any amount less than what was due would prevent the
vehicle from being repossessed. *** *** does have a balance on the loan
and was given proper credit for the partial payment paid on the account.
When we spoke to *** *** on December 17th, he indicated that he
was in the process of retrieving his personal items from the vehicle and we
have verified they were picked up on that day from our third party
vendor. If he has any additional questions, I will personally be
available to assist him. I can be reached at ***, or by email at ***
Thanks,
*** ***
American Credit Acceptance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by
*** *** with the Revdex.com case number ***.
ACA has reached out by phone to
*** *** and we are working to resolve the issue. We are in
the
process of providing an accommodation that will satisfy the situation. We
hope to have this completed shortly. We do appreciate the customers’
business and apologize for the inconvenience this situation has caused.
If she needs further assistance, we can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***.
ACA has reached out by phone to
*** ***, and have been able to resolve the issue. We were able
to
send over the requested information which resolved the problem.
Apparently this complaint was related to a separate incident which occurred
last September. In this case, we promptly sent out the requested
information. A slight delay did occur due to our hours of operation, but
we promptly sent out the requested information the following morning
In the prior situation, we did have a delay at a time when the
customer needed quick information but were able to get that documentation to
him within a five business day period. We do apologize for any
inconvenience this situation may have caused. We appreciate the customers’
business and will be available if he has any additional questions. We can
be reached at *** or ***.
*** ***
Customer Relations
Manager
American Credit Acceptance
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
I was told by one of the agents that work with American Credit Acceptance that if I was to make that payment of $dollars that my car will not be repo but the company took the vehicle anyway I think it is un professional and illegal to accept a payment and then take the vehicle according to the business website if you request a refund for a payment you may do so at anytime so for my money not to be refunded is unfair and a breach of contractAlso all of my personal items was not return to me which total in the amount of approx. $500.00 and I have also made a Revdex.com complaint about that also
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number***.
ACA has reached out by phone to *** ***, and we have been unable to reach him. We did send him the information
that he requested in the settlement section of the complaint by overnight mail and will be available to review the information should he have any questions. We do appreciate his business and hope that the information we sent resolves the issue. We are available for any questions that he may have and can be reached at *** or***.
*** ***
Customer Relations Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and we have been able to resolve the issue. We were able
to
provide an accommodation that satisfied the customer. We apologize for
the confusion this situation has caused and will be available if he has any
future questions. We can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and have been able to resolve the issue. We were able to satisfy the
customer’s request listed in the “Desired Settlement” section of the complaint and have confirmed that she has received the requested items. We do appreciate the customer’s business and apologize for the frustration this situation has caused If she has any additional questions or if there is anything else that she needs us to provide, she can contact us at *** or ***
*** ***
Customer Relations Manager American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***
ACA has reached out by phone to *** ***, and are working to resolve the issue. We are compiling
the
requested documents and hope to have those to her very shortly. We look
forward to resolving this grievance. We are available for any questions
that she may have and can be reached at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by *** *** with the Revdex.com case number ***.
ACA has reached out by phone to *** ***, and we were able to discuss the situation. Unfortunately, at
this time, we are unable to make the change to the credit history that the customer was requesting. Upon review of the situation, we found our reporting to be accurate in its current state. We do appreciate the customer business and hope one day to have her as a customer again. We are available for any questions she may have and can be reached at *** or ***.
*** ***
Customer Relations Manager American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to [redacted]. Due to issue with time zones, we have been unable to reach her. ...
We sent her an email informing her that her due date change request has been applied to the account. We apologize for the confusion and frustration this situation has caused and will be available for any questions the customer may have. I can be reached at [redacted] or [redacted].
[redacted]
Customer Relations Manager
American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to
[redacted], and we have been able to discuss the matter. We...
have
found through our investigation that in October of 2014, we did not guarantee
or imply that partial payments would be acceptable on her account. We
feel we were very clear on the status of the account and the amount that was
past due at the time. We have also offered to send the customer a copy of
her simple interest retail installment contract which she declined. In
addition, we have offered to settle the account and that was also
rejected. We do appreciate the issues that the customer has experienced
and apologize for any confusion. If she has any question or needs
information in the future, I can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
I [redacted]Thank you, I,m not happy with American acceptance at all. Would not recommend them to anyone. Still think when they say this your balance that should be your balance. Not tack on 900 when they know your paying off. Thanks anyway.
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted]
ACA has reached out by phone to [redacted], and we have been able to discuss the issue. Due to the situation, we are...
very limited on the assistance that we can provide but will be more than happy to accommodate [redacted] with any document relating to her account that she would like. We are in the process of making sure her account is reporting accurately and should have that accomplished in the next few days. We also sent her by overnight mail a copy of her transaction history and information on how interest was calculated on her account. We are always available for questions and can be reached at [redacted] or [redacted]
[redacted]
Customer Relations Manager American Credit Acceptance
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the Revdex.com case number [redacted]
ACA has reached out by phone to [redacted], and we have been able to discuss the issue. We apologize that
[redacted] made a trip to the auction house when his vehicle was located
elsewhere. Based on our research into the matter, we show that we did ask
him to call ahead and set an appointment. We were able to make an
accommodation for the customer, leaving his next payment due for 3/15/15.
If he has any additional questions, we can be reached at [redacted] or [redacted].
[redacted]
Customer Relations
Manager
American Credit Acceptance
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by[redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to [redacted], and have been able to discuss the issue. We reviewed the complaint with...
the customer and apologize for the inconvenience the situation has caused. The event occurred when one of our vendors was delayed in reporting and created an unexpected situation for our customer. We appreciate [redacted]’s willingness to work with us to resolve the issue and will be available if she has any additional questions. My contact number is [redacted] or [redacted].
[redacted]
Customer Relations Manager
American Credit Acceptance<
This is to serve as a formal
response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by
[redacted] with the Revdex.com case number [redacted].
ACA has reached out by phone to
[redacted] and we have been able to resolve the issue. We have made...
an
accommodation that is satisfactory to the customer. We appreciate the
customer willingness to work with us to resolve the problem and will be
available if he has any future questions. We can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. ACA failed to provide me any adequate and timely receipts and or invoice and violated STATUE Section 679-506 AND Section 679.501 . ACA also failed to provide me any proof that any documents were actually mailed to me with tracking number and receipt. FLORIDACollateral Recovery Upon DefaultPeaceful repossession allowable.Redemption of Collateral a secured creditor may sell, lease or otherwise dispose of the collateral in a commercially reasonable manner, public or private sale. Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. (Section 679-506)Deficiency RequirementsA creditor must account to the debtor any surplus, and unless otherwise agreed, the debtor may be liable for any deficiency.State CodeSection 679.501
Regards,
[redacted]