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 Mr. [redacted], and have been able to discuss the matter. We were able to make an...
accommodation which closed out the account and satisfied the customer. We appreciate his business and will be available if he has any additional questions. We can be reached at 864-[redacted] or [redacted].com. [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 are working to resolve the issue. Currently, [redacted] has...
possession of the vehicle. We have provided accommodations which assisted her with getting the vehicle back and are waiting for her to return a signed Deferment Agreement to complete the process. We apologize for the confusion this situation has caused and believe better communication between the customer and ACA will resolve any future issues. We are available for any questions she may have 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 and have been unable to get in contact with Mr. [redacted]. We have however been able to...
leave messages for each other. We do appreciate his business and would like to speak with him concerning the matter. ACA apologizes if he is unhappy with how principal only payments are applied. In the past ACA honored customer requests to direct their payments in a manner of their choosing, such as “principal only” payments, or applying an “overpayment” amount to principal, even if there was accrued, unpaid interest due on the account. However, as of 9/29/2016 ACA no longer honors requests for specific payment allocation. The policy was changed because honoring the requests was causing confusion for customers and causing them to fall behind on payment of accrued interest. Now, any payment received (current, past due, intentional overpayment, etc.) is always applied in accordance with ACA’s Payment Allocation Order without exception. ACA’s Payment Allocation Order is as follows: 1. Repossession fees, if any 2. Interest (currently due) 3. Principal (current and past due) 4. All other fees (such as late fees and non-sufficient funds fees (NSF)) 5. Remaining principal Any amount collected that exceeds the Total Amount Due (Interest, Principal and Fees) will be applied to Principal. Again, ACA appreciates Mr. [redacted]’s business and apologizes for how payments are applied or for our customer service as ACA strives to provide an excellent customer service experience. As always, he can contact me directly with any questions he may have. I can be reached at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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 and we were able to speak to Ms. [redacted]. We are sorry to hear that she was having medical...
issues at the time of the repossession. ACA reviewed the account and found the repossession to be valid. The title was also reviewed and found to be acceptable, and would not hinder ACA financing the vehicle. Also, ACA is not responsible for any repairs the vehicle may have needed. The vehicle was sold at auction on 11/16/2016 and ACA will be happy to settle the deficiency balance on the account if Ms. [redacted] would like to discuss the matter. If she has any questions or concerns, she can call me directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
In regards to the rejection of our response to [redacted] with the Revdex.com case #[redacted] ACA did sent [redacted] the “paid in
full” letter that she requested to resolve the matter. We have made
further contact with [redacted] and have been informed that she was able to
contact the company administering her GAP coverage and was able to cancel the
product on her payoff date and will be receiving the expected refund. She
was satisfied with this result and informed me that she had contacted the Revdex.com
to close out the complaint.
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 were able to...
provide the information that she was requesting concerning her overpayment refund. In addition, we were able to let her know when to expect the refund for her ancillary products from the third party warranty and[redacted] insurance provider. We apologize for the confusion this situation has caused and appreciate the customer’s business. If she has any additional questions, 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 and we were able to speak to Ms. [redacted]. ACA appreciates Ms. [redacted]’ business and...
apologizes about the confusion which occurred on the account. We have made the requested accommodation and have discussed it in detail with the customer. If she has any questions or concerns, she can call me directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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 were...
able to
provide a couple of accommodations which were satisfactory to [redacted]. We do appreciate her business and apologize for the confusion
this situation has caused. If she has any additional questions, we can be
reached at [redacted] or [redacted]
[redacted]s
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]. Mr. [redacted] filed a similar complaint with the federal CFPB regarding this matter, and ACA responded thoroughly and in...
writing to that complaint. Although ACA found no merit to Mr. [redacted]’s complaint against ACA, we offered him a resolution which would enable him to pay off his account for 10% of the full balance owed and clear his credit of this account, but he has not accepted that offer. Any complaints regarding the 2015 Ford Fusion are unrelated to ACA, as ACA did not finance Mr. [redacted]’s purchase of that vehicle. In addition, ACA’s agreement with the Massachusetts AG (regarding finance charges when a GAP agreement is included in a vehicle purchase contract) is not related to this matter. Moreover, the APR of 24.75% that Mr. [redacted] agreed to in his contract is within the limits set by the Florida Motor Vehicle Retail Sales Finance Act (Fl. Stat. Ann. § 520.08) for this Vehicle. If there are any questions or concerns, I can be reached directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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.
The American Credit Acceptance was not willing to do anything to solve this problem but only made excuses I have not receive a refund nor all my property from the vehicle and they are still in breach of the contract.
Regards,
[redacted]
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.
Regards,
[redacted]
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.
Regards,
[redacted] To ACA:This response is not satisfactory to [redacted] and I. NOT AT ALL. It has been 3 MONTHS.....YOU AS THE LEIN HOLDER STILL HAS MY ACCOUNT OPEN AND I AM UNABLE TO GET ANOTHER VEHICLE. YOU ARE DESTROYING ME AND MY HUSBANDS CREDIT SCORE. Frankly, you should have told the insurance to change the title to [redacted] And my name...by [redacted] state law. That would have avoided 1 OF THE MIX UPS!!!!THE POINT IS, WE HAD FULL COVERAGE..FULL.... GAP. AND A WARRENTY. THERE IS NO REASON WHY MY FAMILY...A FAMILY OF 6 SHOULD BE WITHOUT A CAR. YOU ALL WILL BE HELD RESPONSIBLE. IT IS NOT ABOUT HAVING MANY FACTORS ABOUT WHY YOU REQUIRED THAT RIDICULOUS DOWN PAYMENT OR CO-SIGNER FROM US. IT'S ABOUT MONEY. POINT BLANK AND PERIOD. YOU HAVE TO DO BETTER.... IF IT WAS YOU OR YOUR FAMILY YOU WOULD FIGHT THIS. YOU HAVE YOUR LAWYERS BECAUSE THIS IS A BUSINESS AND A MONEY MAKING BUSINESS. ACTION WILL BE TAKEN BY MYSELF AND [redacted]. DISGUSTED, DISSATISFIED AND FURIOIS,[redacted] [redacted]
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 and email to [redacted], and we have been able to resolve the issue. We have...
confirmed that he has received the package that we had sent to him by overnight mail. We apologize for the confusion that this situation has caused and appreciate [redacted] business. 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 Mr. [redacted]. We have been able to reach him but have not had a chance to discuss the...
situation. We have sent him the requested information to the address listed on the Revdex.com complaint and have taken the steps necessary to make sure he receives monthly account statements in the future. We do appreciate his business and will be available to discuss the matter at his convenience. We can be reached at 864-[redacted] or [redacted].com. Keith K[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 have...
reviewed the account and the order in
which we apply fees, interest, and payments to our accounts. We
were also able to make an accommodation which should assist the customer and we
will be making an adjustment that was requested as well. We appreciate her business and will be
available if she 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 we have been unable to reach her. If she
would call ACA...
at her convenience, we will be happy to discuss the complaint
and the letter ACA mailed to her on
3/21/2016 which addressed her issue. We can be reached for questions 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.
Regards,
[redacted]
continued from complaint # [redacted] on 09/08/2015 I got a call from American credit acceptance at about 445 pm the guy I spoke with went over everything with me and he asked me what I wanted to do I told him that the car should not of been repo and that my daughter needs her car so she can take her...
son to school every day and to go to work she has to take the el to work at night and I don't like it it's very bad so he said he will call me on 09/09/2015 and release the car and put the 374.50 on the back of her account but I got no call it's like a game they are playing and with my daughters lifeto do what I was told they would do and release the car
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 was able to get in touch with [redacted] by email, and
are working to resolve the issue. We hope...
to clarify when the payments
are due and have sent the customer a copy of the Retail Installment Sale
Contract. We have also noted the issues with the statements, which were
mailed to the address listed on the Contract and have not been returned.
ACA sends out statements as a courtesy, as they are not required by
law. We do appreciate [redacted] business and we’re pleased to
be able to provide her financing for her vehicle. We will wait for a
response to the email we sent her and will proceed with the accommodation that
was mentioned in the email. We will continue to be available to [redacted] by phone or email, and look forward to resolving her issue.
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 Mr. [redacted], and have been able to discuss the matter. We were able to make an...
accommodation which closed out the account and satisfied the customer. We appreciate his business and will be available if he has any additional questions. We can be reached at 864-[redacted] or [redacted].com. [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 are working to resolve the issue. Currently, [redacted] has...
possession of the vehicle. We have provided accommodations which assisted her with getting the vehicle back and are waiting for her to return a signed Deferment Agreement to complete the process. We apologize for the confusion this situation has caused and believe better communication between the customer and ACA will resolve any future issues. We are available for any questions she may have 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 and have been unable to get in contact with Mr. [redacted]. We have however been able to...
leave messages for each other. We do appreciate his business and would like to speak with him concerning the matter. ACA apologizes if he is unhappy with how principal only payments are applied. In the past ACA honored customer requests to direct their payments in a manner of their choosing, such as “principal only” payments, or applying an “overpayment” amount to principal, even if there was accrued, unpaid interest due on the account. However, as of 9/29/2016 ACA no longer honors requests for specific payment allocation. The policy was changed because honoring the requests was causing confusion for customers and causing them to fall behind on payment of accrued interest. Now, any payment received (current, past due, intentional overpayment, etc.) is always applied in accordance with ACA’s Payment Allocation Order without exception. ACA’s Payment Allocation Order is as follows: 1. Repossession fees, if any 2. Interest (currently due) 3. Principal (current and past due) 4. All other fees (such as late fees and non-sufficient funds fees (NSF)) 5. Remaining principal Any amount collected that exceeds the Total Amount Due (Interest, Principal and Fees) will be applied to Principal. Again, ACA appreciates Mr. [redacted]’s business and apologizes for how payments are applied or for our customer service as ACA strives to provide an excellent customer service experience. As always, he can contact me directly with any questions he may have. I can be reached at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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 and we were able to speak to Ms. [redacted]. We are sorry to hear that she was having medical...
issues at the time of the repossession. ACA reviewed the account and found the repossession to be valid. The title was also reviewed and found to be acceptable, and would not hinder ACA financing the vehicle. Also, ACA is not responsible for any repairs the vehicle may have needed. The vehicle was sold at auction on 11/16/2016 and ACA will be happy to settle the deficiency balance on the account if Ms. [redacted] would like to discuss the matter. If she has any questions or concerns, she can call me directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
In regards to the rejection of our response to [redacted] with the Revdex.com case #[redacted] ACA did sent [redacted] the “paid in
full” letter that she requested to resolve the matter. We have made
further contact with [redacted] and have been informed that she was able to
contact the company administering her GAP coverage and was able to cancel the
product on her payoff date and will be receiving the expected refund. She
was satisfied with this result and informed me that she had contacted the Revdex.com
to close out the complaint.
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 were able to...
provide the information that she was requesting concerning her overpayment refund. In addition, we were able to let her know when to expect the refund for her ancillary products from the third party warranty and[redacted] insurance provider. We apologize for the confusion this situation has caused and appreciate the customer’s business. If she has any additional questions, 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 and we were able to speak to Ms. [redacted]. ACA appreciates Ms. [redacted]’ business and...
apologizes about the confusion which occurred on the account. We have made the requested accommodation and have discussed it in detail with the customer. If she has any questions or concerns, she can call me directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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 were...
able to
provide a couple of accommodations which were satisfactory to [redacted]. We do appreciate her business and apologize for the confusion
this situation has caused. If she has any additional questions, we can be
reached at [redacted] or [redacted]
[redacted]s
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]. Mr. [redacted] filed a similar complaint with the federal CFPB regarding this matter, and ACA responded thoroughly and in...
writing to that complaint. Although ACA found no merit to Mr. [redacted]’s complaint against ACA, we offered him a resolution which would enable him to pay off his account for 10% of the full balance owed and clear his credit of this account, but he has not accepted that offer. Any complaints regarding the 2015 Ford Fusion are unrelated to ACA, as ACA did not finance Mr. [redacted]’s purchase of that vehicle. In addition, ACA’s agreement with the Massachusetts AG (regarding finance charges when a GAP agreement is included in a vehicle purchase contract) is not related to this matter. Moreover, the APR of 24.75% that Mr. [redacted] agreed to in his contract is within the limits set by the Florida Motor Vehicle Retail Sales Finance Act (Fl. Stat. Ann. § 520.08) for this Vehicle. If there are any questions or concerns, I can be reached directly at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
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.
The American Credit Acceptance was not willing to do anything to solve this problem but only made excuses I have not receive a refund nor all my property from the vehicle and they are still in breach of the contract.
Regards,
[redacted]
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.
Regards,
[redacted]
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.
Regards,
[redacted] To ACA:This response is not satisfactory to [redacted] and I. NOT AT ALL. It has been 3 MONTHS.....YOU AS THE LEIN HOLDER STILL HAS MY ACCOUNT OPEN AND I AM UNABLE TO GET ANOTHER VEHICLE. YOU ARE DESTROYING ME AND MY HUSBANDS CREDIT SCORE. Frankly, you should have told the insurance to change the title to [redacted] And my name...by [redacted] state law. That would have avoided 1 OF THE MIX UPS!!!!THE POINT IS, WE HAD FULL COVERAGE..FULL.... GAP. AND A WARRENTY. THERE IS NO REASON WHY MY FAMILY...A FAMILY OF 6 SHOULD BE WITHOUT A CAR. YOU ALL WILL BE HELD RESPONSIBLE. IT IS NOT ABOUT HAVING MANY FACTORS ABOUT WHY YOU REQUIRED THAT RIDICULOUS DOWN PAYMENT OR CO-SIGNER FROM US. IT'S ABOUT MONEY. POINT BLANK AND PERIOD. YOU HAVE TO DO BETTER.... IF IT WAS YOU OR YOUR FAMILY YOU WOULD FIGHT THIS. YOU HAVE YOUR LAWYERS BECAUSE THIS IS A BUSINESS AND A MONEY MAKING BUSINESS. ACTION WILL BE TAKEN BY MYSELF AND [redacted]. DISGUSTED, DISSATISFIED AND FURIOIS,[redacted] [redacted]
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 and email to [redacted], and we have been able to resolve the issue. We have...
confirmed that he has received the package that we had sent to him by overnight mail. We apologize for the confusion that this situation has caused and appreciate [redacted] business. 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 Mr. [redacted]. We have been able to reach him but have not had a chance to discuss the...
situation. We have sent him the requested information to the address listed on the Revdex.com complaint and have taken the steps necessary to make sure he receives monthly account statements in the future. We do appreciate his business and will be available to discuss the matter at his convenience. We can be reached at 864-[redacted] or [redacted].com. Keith K[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 have...
reviewed the account and the order in
which we apply fees, interest, and payments to our accounts. We
were also able to make an accommodation which should assist the customer and we
will be making an adjustment that was requested as well. We appreciate her business and will be
available if she 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 we have been unable to reach her. If she
would call ACA...
at her convenience, we will be happy to discuss the complaint
and the letter ACA mailed to her on
3/21/2016 which addressed her issue. We can be reached for questions 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.
Regards,
[redacted]
continued from complaint # [redacted] on 09/08/2015 I got a call from American credit acceptance at about 445 pm the guy I spoke with went over everything with me and he asked me what I wanted to do I told him that the car should not of been repo and that my daughter needs her car so she can take her...
son to school every day and to go to work she has to take the el to work at night and I don't like it it's very bad so he said he will call me on 09/09/2015 and release the car and put the 374.50 on the back of her account but I got no call it's like a game they are playing and with my daughters lifeto do what I was told they would do and release the car
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 was able to get in touch with [redacted] by email, and
are working to resolve the issue. We hope...
to clarify when the payments
are due and have sent the customer a copy of the Retail Installment Sale
Contract. We have also noted the issues with the statements, which were
mailed to the address listed on the Contract and have not been returned.
ACA sends out statements as a courtesy, as they are not required by
law. We do appreciate [redacted] business and we’re pleased to
be able to provide her financing for her vehicle. We will wait for a
response to the email we sent her and will proceed with the accommodation that
was mentioned in the email. We will continue to be available to [redacted] by phone or email, and look forward to resolving her issue.
[redacted]
American
Credit Acceptance