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 resolve the issue. We are in the process of confirming if the customer...
has regained possession of her vehicle as requested in the desired settlement section of the complaint. We apologize for the confusion this situation has caused and appreciate the customer’s business. If she has any additional questions, now or in the future, I can be reached at [redacted] or[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 have been able to discuss the issue with Ms. [redacted]. ACA apologizes...
for any confusion concerning the situation and has clarified exactly what had happened with the account. The credit reporting is accurate and reflects a payment history with no late marks, and Ms. [redacted] has never incurred a late fee. If she has any other issues or questions, she can contact me 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 Ms. [redacted], and have been
unable to reach her. We will be...
available if she would like to
discuss the account. The majority of our accounts are simple interest
loans where interest accrues on a daily basis and is based on the current
principal balance on the account. Late fees vary from state to state with
the state of Illinois allowing a late fee on the 11th day after the
due date. We will be mailing out a transaction history and a simple
interest fact sheet for the customer to review. We can be reached for
questions 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 have been unable to reach her. We have received...
a
message from her and an email, but would like to speak with her in person if
possible. We have sent her information on how to calculate interest on a
simple interest contract as well as a transaction history outlining the
payments that have been applied to the account. [redacted] has an
excellent history with us and we do appreciate her business. 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 reviewed the complaint submitted by [redacted]. We apologize for the issue occurring and have taken...
steps to prevent it from happening going forward. If there is a particular phone number Ms. [redacted] would like us to use in the future, she can provide that to us by phone or email. We appreciate her business and will be available should she have any 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 is in the process of resolving the issue with [redacted] and will be contacting her legal...
representative. We will make every
effort to provide a satisfactory solution for both parties. We do
appreciate the customer’s business and will be available if she has any
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], spoke to her on one occasion, and would like to speak with...
her
again. We have reviewed the situation and have found definite confusion
on our part concerning the accommodation that she was requesting. We do appreciate
her business and apologize that her request was not handled in a timely
manner. We are available if she would like to discuss the situation and
can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Ms. [redacted] has a simple interest loan contract with American Credit Acceptance as mentioned in the initial response to the Revdex.com. The principal balance and the payoff on the loan can differ because the payoff includes both the principal balance and any accrued interest. The principal balance is the amount on which interest is calculated on the loan. The accrued interest is added to the balance which would then be the total payoff amount due on the loan. In this case, with the $11,297.40 principal balance and an interest rate of $26.81%, interest will accrue at $8.29 per day. The current payoff as of 10/12/2016 is $11,446.77 and will increase each day by $8.29. When a payment is made on the account, the payment is applied to any accrued interest first. Any remaining funds will then be applied to the principal, thus reducing the principal balance. The interest per day is then recalculated, based on the new, lower principal balance. As the principal balance decreases, so will the daily interest amount. If Ms. [redacted] chooses to pay the loan off today, she would pay interest only for the time the loan was opened. ACA applies payments in the following order: interest, principal until current, fees (if any), and any remaining amount to the principal. If Ms. [redacted] were to pay off her balance in full today, she would need to pay a total of $11,446.77. This figure is comprised of her principal balance of $11,297.40, plus the $149.37 in interest which has accrued since her last payment was made on 9/24/2016. When customers request a payoff quote, we give them a 10-day payoff figure, to allow 10 days for the payment to be sent and applied to the account. If the payoff is received prior to the end of the 10-day period, any excess amount will be refunded to the customer. The 10-day payoff amount for this account is $11,529.75. This figure is comprised of her principal balance of $11,297.40, plus the $232.35 that will accrue on the account between 9/24/2016 and 10/22/2016 (10 days from now). Thanks,[redacted]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 resolve the issue. We have sent...
her the
document that she was requesting which was satisfactory to her. We do
appreciate her business and apologize for the frustration this situation may
have caused. If she has any additional questions, we can be reached
us 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]
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the [redacted] ACA has reached out by phone to Mr. [redacted], and we have been able to discuss the situation with him. We...
apologize for the issue with the auto draft and any confusion this has caused. 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 he may have. We can be reached at reached at [redacted] or [redacted]. *
[redacted] 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 . ACA has reached out by phone to [redacted] and we have been able to discuss the issue. We have sent her a copy of the...
“Identity Theft Victim’s Complaint and Affidavit” to the address listed on the Revdex.com complaint. Once returned, we will review the material to make sure all of the necessary documents have been received and the complaint will be fully investigated. 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
able to discuss the issue. We are in the process...
of resolving the problem
and have offered some alternatives. We have also sent out by overnight
mail information pertaining to her account. We do appreciate her business
and willingness to assist with working on this problem. We hope to speak
to the customer again on Tuesday, December 22st.
[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 and
email to [redacted], and we have been unable to reach her. We...
also
sent out documentation pertaining to her account but would like to discuss the
complaint at her convenience. 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], spoke to her once, but would like to speak to her again...
to
resolve the issue. We have researched the account and found our credit
reporting to be accurate. The deferment mentioned in the complaint from
7/15/14 was posted in a timely manner and her credit was reported as paid as
agreed in the month of July. We do appreciate her business and the time
that her account was open with us. I am available for questions and can
be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Revdex.com:
This company did not reach back out to me in reference to resolving the matter. I've already provided documentation to this scam company. I have contacted the FBI in reference to this company reposing my vehicle after they charged off my account in 2014 by to separate business entities that they are affiliated. They are breaking the law!!! If my vehicle is not returned my the end of business today I will be at there business located in Spartanburg, South Carolina. I am also in the process of filing a class action lawsuit against this fraudulent scam company along with 10 other former customers that they ripped off.
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]
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 him. We would like to...
let
him know that he should be receiving a monthly statement and we have mailed a
copy to the address listed on the Revdex.com complaint. If he would like to
avoid our service fee, he does have the options of mailing in his payment or
setting up regular monthly payments on our auto pay program. We look forward to
hearing from him and will be available for any questions that he may
have. 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 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 [redacted]57 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 resolve the issue. We are in the process of confirming if the customer...
has regained possession of her vehicle as requested in the desired settlement section of the complaint. We apologize for the confusion this situation has caused and appreciate the customer’s business. If she has any additional questions, now or in the future, I can be reached at [redacted] or[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 have been able to discuss the issue with Ms. [redacted]. ACA apologizes...
for any confusion concerning the situation and has clarified exactly what had happened with the account. The credit reporting is accurate and reflects a payment history with no late marks, and Ms. [redacted] has never incurred a late fee. If she has any other issues or questions, she can contact me 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 Ms. [redacted], and have been
unable to reach her. We will be...
available if she would like to
discuss the account. The majority of our accounts are simple interest
loans where interest accrues on a daily basis and is based on the current
principal balance on the account. Late fees vary from state to state with
the state of Illinois allowing a late fee on the 11th day after the
due date. We will be mailing out a transaction history and a simple
interest fact sheet for the customer to review. We can be reached for
questions 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 have been unable to reach her. We have received...
a
message from her and an email, but would like to speak with her in person if
possible. We have sent her information on how to calculate interest on a
simple interest contract as well as a transaction history outlining the
payments that have been applied to the account. [redacted] has an
excellent history with us and we do appreciate her business. 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 reviewed the complaint submitted by [redacted]. We apologize for the issue occurring and have taken...
steps to prevent it from happening going forward. If there is a particular phone number Ms. [redacted] would like us to use in the future, she can provide that to us by phone or email. We appreciate her business and will be available should she have any 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 is in the process of resolving the issue with [redacted] and will be contacting her legal...
representative. We will make every
effort to provide a satisfactory solution for both parties. We do
appreciate the customer’s business and will be available if she has any
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], spoke to her on one occasion, and would like to speak with...
her
again. We have reviewed the situation and have found definite confusion
on our part concerning the accommodation that she was requesting. We do appreciate
her business and apologize that her request was not handled in a timely
manner. We are available if she would like to discuss the situation and
can be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Ms. [redacted] has a simple interest loan contract with American Credit Acceptance as mentioned in the initial response to the Revdex.com. The principal balance and the payoff on the loan can differ because the payoff includes both the principal balance and any accrued interest. The principal balance is the amount on which interest is calculated on the loan. The accrued interest is added to the balance which would then be the total payoff amount due on the loan. In this case, with the $11,297.40 principal balance and an interest rate of $26.81%, interest will accrue at $8.29 per day. The current payoff as of 10/12/2016 is $11,446.77 and will increase each day by $8.29. When a payment is made on the account, the payment is applied to any accrued interest first. Any remaining funds will then be applied to the principal, thus reducing the principal balance. The interest per day is then recalculated, based on the new, lower principal balance. As the principal balance decreases, so will the daily interest amount. If Ms. [redacted] chooses to pay the loan off today, she would pay interest only for the time the loan was opened. ACA applies payments in the following order: interest, principal until current, fees (if any), and any remaining amount to the principal. If Ms. [redacted] were to pay off her balance in full today, she would need to pay a total of $11,446.77. This figure is comprised of her principal balance of $11,297.40, plus the $149.37 in interest which has accrued since her last payment was made on 9/24/2016. When customers request a payoff quote, we give them a 10-day payoff figure, to allow 10 days for the payment to be sent and applied to the account. If the payoff is received prior to the end of the 10-day period, any excess amount will be refunded to the customer. The 10-day payoff amount for this account is $11,529.75. This figure is comprised of her principal balance of $11,297.40, plus the $232.35 that will accrue on the account between 9/24/2016 and 10/22/2016 (10 days from now). Thanks,[redacted]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 resolve the issue. We have sent...
her the
document that she was requesting which was satisfactory to her. We do
appreciate her business and apologize for the frustration this situation may
have caused. If she has any additional questions, we can be reached
us 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]
This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the [redacted] ACA has reached out by phone to Mr. [redacted], and we have been able to discuss the situation with him. We...
apologize for the issue with the auto draft and any confusion this has caused. 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 he may have. We can be reached at reached at [redacted] or [redacted]. *
[redacted] 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 . ACA has reached out by phone to [redacted] and we have been able to discuss the issue. We have sent her a copy of the...
“Identity Theft Victim’s Complaint and Affidavit” to the address listed on the Revdex.com complaint. Once returned, we will review the material to make sure all of the necessary documents have been received and the complaint will be fully investigated. 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
able to discuss the issue. We are in the process...
of resolving the problem
and have offered some alternatives. We have also sent out by overnight
mail information pertaining to her account. We do appreciate her business
and willingness to assist with working on this problem. We hope to speak
to the customer again on Tuesday, December 22st.
[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 and
email to [redacted], and we have been unable to reach her. We...
also
sent out documentation pertaining to her account but would like to discuss the
complaint at her convenience. 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], spoke to her once, but would like to speak to her again...
to
resolve the issue. We have researched the account and found our credit
reporting to be accurate. The deferment mentioned in the complaint from
7/15/14 was posted in a timely manner and her credit was reported as paid as
agreed in the month of July. We do appreciate her business and the time
that her account was open with us. I am available for questions and can
be reached at [redacted] or [redacted]
[redacted]
Customer Relations
Manager
American Credit Acceptance
Revdex.com:
This company did not reach back out to me in reference to resolving the matter. I've already provided documentation to this scam company. I have contacted the FBI in reference to this company reposing my vehicle after they charged off my account in 2014 by to separate business entities that they are affiliated. They are breaking the law!!! If my vehicle is not returned my the end of business today I will be at there business located in Spartanburg, South Carolina. I am also in the process of filing a class action lawsuit against this fraudulent scam company along with 10 other former customers that they ripped off.
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]
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 him. We would like to...
let
him know that he should be receiving a monthly statement and we have mailed a
copy to the address listed on the Revdex.com complaint. If he would like to
avoid our service fee, he does have the options of mailing in his payment or
setting up regular monthly payments on our auto pay program. We look forward to
hearing from him and will be available for any questions that he may
have. 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 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 [redacted]57 or [redacted]
[redacted]
Customer Relations Manager
American Credit Acceptance