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 were able to review the account with her. She...
requested
a copy of the contract and transaction history which we sent by overnight
mail. We also provided some information on simple interest loans to help
her better understand her loan with us. In addition, we also provided an
accommodation that she requested and have since received it back and have
processed the document. We do appreciate the customer’s business and look
forward to working with her in the future. If she needs further
assistance, I can be reached at [redacted] or [redacted].
[redacted]
Customer Relations
Manager
American Credit Acceptance
ACA has reviewed Mr. [redacted]’s response, but the Revdex.com is not the appropriate place to debate the state laws which Mr. [redacted] mentions. The settlement offer we presented is reasonable and is still available until June 12, 2017 if the customer is interested.
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 Ms. [redacted], and we have been able to discuss the situation with her. We apologize...
for the issue with the auto draft and any confusion this has caused. We also apologize if she received less than satisfactory service from one of our agents. ACA has determined that we are having problems with a 3rd party vendor that is responsible for insuring that our payment system operates smoothly, and we hope to have the situation resolved shortly. We do appreciate the customer’s business and will be available for any questions she may have. We can be reached at reached at 864-[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 situation. We believe we have identified...
the problem and a correction has been requested. We are also monitoring the situation to make sure our resolution was successful. We do appreciate the customer’s business and apologize for the confusion the situation has caused. If she has and future questions, she can call me directly 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.
Based on the response, the reasoning why principle only payments are no longer honored is a case by case issue. In my case. it does not reflects my situation. Based on the lack of communication from American Credit Acceptance, (mailing address in correct) not giving adequate accommodations or notifications allowing me as a consumer with options to possibly add funds to the account before the procedure was confirmed and processed is totally unfair. Since there has been no effective communication between American Credit Acceptance and myself, this has not resolved the issue/ Including the information provided by American Credit AcceptanceACA’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 principalAny amount collected that exceeds the Total Amount Due (Interest, Principal and Fees) will be applied to Principal. (this is not being honored, verified by the American Credit Acceptance website, in fact, the payoff amount has increased. Therefore resulting in the funds have not been applied to the principle.
Regards,
[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 Ms. [redacted] but have been unable to reach her. ACA apologizes for...
the confusion this situation has caused and has made the accommodation the customer requested. We do appreciate her business and will be available should she have any future questions. We can be reached 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 complain[redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
I am sorry you have had a difficult time getting in touch
with us. You can call me at [redacted]
or [redacted] at [redacted]. Our
direct email addresses are [redacted]
and [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 to [redacted] and have been able to resolve the issue.
We have provided an...
accommodation which was agreeable to the customer. We
do appreciate the customer’s business and hope to do business with him
again in the future. If there is anything else that he needs, he can
contact me at [redacted] or [redacted]
[redacted]
Customer
Relations Manager
American
Credit Acceptance
It is ACA’s policy to report its accounts to the three major credit reporting agencies. ACA must report accurately, and we are doing so with regard to Ms. [redacted] account.
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 no...
evidence that any settlement
monies have been paid and will be happy to investigate the matter further if
the customer provides proof of such payment.
She can forward that information to the Revdex.com or ACA directly. Also, ACA is
currently willing to offer another settlement to resolve this matter. If
she is interested in settling, or has additional documentation that she would
like to provide, 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 find that this resolution is satisfactory to me.
Regards,
[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 to [redacted], and we have been able to discuss the issue. We apologize that our...
customer service was not up to his expectations. We were able to discuss the situation in detail 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
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 reviewed the complaint submitted by [redacted]. ACA apologizes that Ms. [redacted] experienced a delay in...
redeeming her vehicle. ACA and our vendors are only open certain hours and sometime redemptions are delayed until the next day or over the weekend in certain cases. Every effort is made to accommodate our customers, but again, there are specific hours in which the activity must take place. There were several attempts to reach Ms. [redacted] concerning her loan. Notices regarding the past due status of the account were mailed to Ms. [redacted] and her co-buyer via certified mail on May 10, 2017. Unfortunately, in the state of North Carolina, there are specific laws relating to calls. ACA is unable to leave voice mail messages for our North Carolina customers unless the voice mail greeting specifically identifies that the voice mailbox belongs to our customer by name. In regards to “Smart Pay,” this is a 3rd party service which ACA does not endorse or recommend to customers. Accordingly, this is something that ACA would not control. ACA does have an option where the customer can set up on ACH using Western Union Speedpay. If Ms. [redacted] should have any future questions, we 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 have been able to discuss the matter with Ms. [redacted] and are in the process of working on...
a resolution. We do apologize for the confusion this situation has caused. We 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 to
[redacted], and are working to resolve the issue. We have made contact with
the...
customer and arrangements have been established. We are hoping to
complete the redemption process by Friday of this week. We have provided
[redacted] with the information he has requested along with our contact
information.
[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 reviewed the complaint
and verified that the requested documents were sent out to the customer...
on
Monday, February 9th. We appreciate the customer’s
business and apologize for the delay. If she has any additional
questions, I can be reached at [redacted]-[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 matter with her. ACA has fully complied with the laws of the state...
of[redacted]. In this case, there was not a specific written notice that was required to be sent. After speaking with [redacted], we have a better understanding of her situation and will be more than willing to work with her as much as possible. We also provided her with a number that she requested for one of our third party vendors. We do appreciate [redacted]’s business and hope to have a productive relationship going forward. If she has any future questions, she can call me at[redacted] or [redacted]. If unable to reach me, our main number is[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 find that this resolution is satisfactory to me. However, I would have liked to have a full refund of $50.00 that I paid to get my things back that were removed from my vehicle prematurely but I think the company did more than enough to help me in this matter and it has currently been resolved. Thank you Revdex.com and American Credit Acceptance with your assistance in this matter. Regards, [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 to
[redacted], and we were able to discuss the situation. We had offered...
a
reasonable accommodation in an attempt to resolve the problem and the customer
determined the contract requirements were unaffordable at this time.
We are however, available to assist him with collecting his personal
property. If he 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 to [redacted], and we were able to review the account with her. She...
requested
a copy of the contract and transaction history which we sent by overnight
mail. We also provided some information on simple interest loans to help
her better understand her loan with us. In addition, we also provided an
accommodation that she requested and have since received it back and have
processed the document. We do appreciate the customer’s business and look
forward to working with her in the future. If she needs further
assistance, I can be reached at [redacted] or [redacted].
[redacted]
Customer Relations
Manager
American Credit Acceptance
ACA has reviewed Mr. [redacted]’s response, but the Revdex.com is not the appropriate place to debate the state laws which Mr. [redacted] mentions. The settlement offer we presented is reasonable and is still available until June 12, 2017 if the customer is interested.
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 Ms. [redacted], and we have been able to discuss the situation with her. We apologize...
for the issue with the auto draft and any confusion this has caused. We also apologize if she received less than satisfactory service from one of our agents. ACA has determined that we are having problems with a 3rd party vendor that is responsible for insuring that our payment system operates smoothly, and we hope to have the situation resolved shortly. We do appreciate the customer’s business and will be available for any questions she may have. We can be reached at reached at 864-[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 situation. We believe we have identified...
the problem and a correction has been requested. We are also monitoring the situation to make sure our resolution was successful. We do appreciate the customer’s business and apologize for the confusion the situation has caused. If she has and future questions, she can call me directly 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.
Based on the response, the reasoning why principle only payments are no longer honored is a case by case issue. In my case. it does not reflects my situation. Based on the lack of communication from American Credit Acceptance, (mailing address in correct) not giving adequate accommodations or notifications allowing me as a consumer with options to possibly add funds to the account before the procedure was confirmed and processed is totally unfair. Since there has been no effective communication between American Credit Acceptance and myself, this has not resolved the issue/ Including the information provided by American Credit AcceptanceACA’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 principalAny amount collected that exceeds the Total Amount Due (Interest, Principal and Fees) will be applied to Principal. (this is not being honored, verified by the American Credit Acceptance website, in fact, the payoff amount has increased. Therefore resulting in the funds have not been applied to the principle.
Regards,
[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 Ms. [redacted] but have been unable to reach her. ACA apologizes for...
the confusion this situation has caused and has made the accommodation the customer requested. We do appreciate her business and will be available should she have any future questions. We can be reached 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 complain[redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
I am sorry you have had a difficult time getting in touch
with us. You can call me at [redacted]
or [redacted] at [redacted]. Our
direct email addresses are [redacted]
and [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 to [redacted] and have been able to resolve the issue.
We have provided an...
accommodation which was agreeable to the customer. We
do appreciate the customer’s business and hope to do business with him
again in the future. If there is anything else that he needs, he can
contact me at [redacted] or [redacted]
[redacted]
Customer
Relations Manager
American
Credit Acceptance
It is ACA’s policy to report its accounts to the three major credit reporting agencies. ACA must report accurately, and we are doing so with regard to Ms. [redacted] account.
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 no...
evidence that any settlement
monies have been paid and will be happy to investigate the matter further if
the customer provides proof of such payment.
She can forward that information to the Revdex.com or ACA directly. Also, ACA is
currently willing to offer another settlement to resolve this matter. If
she is interested in settling, or has additional documentation that she would
like to provide, 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 find that this resolution is satisfactory to me.
Regards,
[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 to [redacted], and we have been able to discuss the issue. We apologize that our...
customer service was not up to his expectations. We were able to discuss the situation in detail 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
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 reviewed the complaint submitted by [redacted]. ACA apologizes that Ms. [redacted] experienced a delay in...
redeeming her vehicle. ACA and our vendors are only open certain hours and sometime redemptions are delayed until the next day or over the weekend in certain cases. Every effort is made to accommodate our customers, but again, there are specific hours in which the activity must take place. There were several attempts to reach Ms. [redacted] concerning her loan. Notices regarding the past due status of the account were mailed to Ms. [redacted] and her co-buyer via certified mail on May 10, 2017. Unfortunately, in the state of North Carolina, there are specific laws relating to calls. ACA is unable to leave voice mail messages for our North Carolina customers unless the voice mail greeting specifically identifies that the voice mailbox belongs to our customer by name. In regards to “Smart Pay,” this is a 3rd party service which ACA does not endorse or recommend to customers. Accordingly, this is something that ACA would not control. ACA does have an option where the customer can set up on ACH using Western Union Speedpay. If Ms. [redacted] should have any future questions, we 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 have been able to discuss the matter with Ms. [redacted] and are in the process of working on...
a resolution. We do apologize for the confusion this situation has caused. We 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 to
[redacted], and are working to resolve the issue. We have made contact with
the...
customer and arrangements have been established. We are hoping to
complete the redemption process by Friday of this week. We have provided
[redacted] with the information he has requested along with our contact
information.
[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 reviewed the complaint
and verified that the requested documents were sent out to the customer...
on
Monday, February 9th. We appreciate the customer’s
business and apologize for the delay. If she has any additional
questions, I can be reached at [redacted]-[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 matter with her. ACA has fully complied with the laws of the state...
of[redacted]. In this case, there was not a specific written notice that was required to be sent. After speaking with [redacted], we have a better understanding of her situation and will be more than willing to work with her as much as possible. We also provided her with a number that she requested for one of our third party vendors. We do appreciate [redacted]’s business and hope to have a productive relationship going forward. If she has any future questions, she can call me at[redacted] or [redacted]. If unable to reach me, our main number is[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 find that this resolution is satisfactory to me. However, I would have liked to have a full refund of $50.00 that I paid to get my things back that were removed from my vehicle prematurely but I think the company did more than enough to help me in this matter and it has currently been resolved. Thank you Revdex.com and American Credit Acceptance with your assistance in this matter. Regards, [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 to
[redacted], and we were able to discuss the situation. We had offered...
a
reasonable accommodation in an attempt to resolve the problem and the customer
determined the contract requirements were unaffordable at this time.
We are however, available to assist him with collecting his personal
property. If he has any additional questions, I can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance