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 unable reach Ms. [redacted]. If she would give us a call, we would be happy...
to discuss the matter. We can be reached at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
good afternon,I have tried calling them back and have emailed them since contacting you to find out if I was allowed to. When I do call, the number they provided just rings and rings. There is no voicemail or answering machine. I do work and only have limited times I can contact as I do not truly get a lunch brake at work and have tried both before and after work. I have also emailed them asking what time they are available and told them about it just ringing and ringing.Thank you,[redacted]
ACA is not a party to divorce decrees, which are between the spouses and the family court. The divorce decree did not allow or obligate ACA to alter the parties to the Retail Installment Contract.
ACA was able to speak to Mr. [redacted] on Wednesday, May 3, 2017. It was confirmed that he did receive the account related documents that were emailed out on May 1, 2017. The discussion centered around how ACA posts payments to accounts and how that may affect when the next due date would be. Mr. [redacted] has a simple interest loan with ACA, payments received (current, past due, intentional overpayment, etc.) are always applied in accordance with ACA’s Payment Allocation Order without exception. Next due dates are also advanced as payments are completed. Mr. [redacted] also wanted a future payoff date based on paying an a certain schedule. ACA does not provide amortization tables but he would be able to locate one online that will suit his needs. The explanation may not have been clear to Mr. [redacted] and we will provide and alternative person to explain the process if needed. Mr. [redacted] also indicated he may seek help from others to resolve this issue. We are available should he need any additional information. We do appreciate his business and apologize for any confusion this situation may have caused. We can be reached at [redacted].com or 864-[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 e-mail and was unable to get in contact with Ms. [redacted]. If she would call us...
at her convenience, we would be happy to discuss the matter, including her question about the effect of paying every two weeks. ACA is unable to change the contracted interest rate and are unable to refinance our loans. We apply payments in the following order, without exception: repossession fees, if any; interest; principal; all other fees (such as late fees and NSF fees); remaining principal. We look forward to Ms. [redacted]’s call and 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 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. I am rejecting this response from the business because they are still not fixing the issue. I am aware of the methods I can use to payoff my account. I am also aware of how to make a payment. My problem is the actual payoff amount. I have been making on time car payments since I purchased my vehicle. My payoff amount should not be more than the amount I originally financed with this company. My payoff amount should not include future interest charges. I started making payments of $326.41 in May 2016 which totals $1632.05. Why is it that only $209.12 have been applied towards my principal and the rest has gone towards interest? According to the ACA website, my account balance as of close of business on 10/10/16 is $11, 297.40. However, your website is saying that my payoff amount as of 10/11/16 is $11,438.47. Why is ACA adding additional interest to my payoff amount? Why has only 13% of my total car payments been applied to my principal?
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. If he
would call ACA at...
his convenience, we can discuss the matter. We can be
reached for questions 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].
We apologize for the phone call
that [redacted]received. We were attempting to reach our customer
that...
happen to have the same last name and area code as [redacted].
Neither [redacted] or her deceased brother are, or were ever,
customers of ACA.
[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 email to [redacted], and
have been unable to reach her. We...
apologize for the confusion this
situation has caused and have noted our system in regards to the issue.
We do appreciate the customer’s business and can be reached for discussion 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 email to [redacted], and
we have been unable to reach them. We did make an...
adjustment to the
account which should translate into the customer receiving statements in the
future. We apologize for the confusion and frustration this
situation has caused. We are available if they have any questions and they should expect to receive a statement during
the next mail cycle in November. For any additional questions, I can be
reached at [redacted] or [redacted]
*
[redacted]
Customer Relations Manager
American Credit Acceptance
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [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 have been unable to reach Ms. [redacted]. After reviewing the file, we have...
determined that while ACA is reporting accurately, our 3rd party vendor is reporting incorrectly. Therefore, we have opted to delete the trade line. If Ms. [redacted] would like to discuss the matter, 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]. We apologize for the issues she...
experienced with our system and greatly appreciate her business. If she should have any further problems, we can be reached directly 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 and
email to [redacted], and have been unable to reach him. If...
he
would give us a call at his convenience, we would be happy to discuss the
situation. 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 Ms. [redacted], and have been able to discuss the complaint with her. Ms. [redacted] has a simple...
interest loan with ACA. Interest accrues on a daily basis and is based on the current principal balance of the account. Interest starts accruing on the date of the contract and continues until the account is paid off. We will be sending Ms. [redacted] some information on how interest is accruing on her account which we hope will clarify the matter. We will also be sending her the information she requested concerning paying off the account if she chooses to go that route. Her business is appreciated and we will be available if she should have any additional questions. We can be reached at [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 reviewed the complaint submitted by [redacted]. ACA was unable to locate a promise on the account for...
1/20/2017 as Ms. [redacted] indicated in her complaint. Our records show no calls or promises to pay from Ms. [redacted] during January 2017 until January 24, the date of repossession. There appears to be confusion over a promise made on 1/24/2017, the day of the repossession. Our records indicate the promise was made after the vehicle was secured. Due to the delinquent status of the account, a promise to pay needed to be made prior to the vehicle’s repossession, and the promise needed to be made in advance for ACA to have time to cancel the repossession order. We apologize if there was confusion over the redemption cost for the vehicle: between the repossession date and the redemption date, another payment became due which altered the cost to redeem. If Ms. [redacted] has any questions, we can be reached at 864-[redacted]-[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 issue with Ms. [redacted]. ACA apologized for the...
confusion and has been able to work out a resolution that was satisfactory to her. If she has any further questions, she can contact me directly at 864-[redacted]-[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]
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 we were unable reach Ms. [redacted]. If she would give us a call, we would be happy...
to discuss the matter. We can be reached at 864-[redacted] or [redacted].com. Keith K[redacted] Customer Experience Manager
good afternon,I have tried calling them back and have emailed them since contacting you to find out if I was allowed to. When I do call, the number they provided just rings and rings. There is no voicemail or answering machine. I do work and only have limited times I can contact as I do not truly get a lunch brake at work and have tried both before and after work. I have also emailed them asking what time they are available and told them about it just ringing and ringing.Thank you,[redacted]
ACA is not a party to divorce decrees, which are between the spouses and the family court. The divorce decree did not allow or obligate ACA to alter the parties to the Retail Installment Contract.
ACA was able to speak to Mr. [redacted] on Wednesday, May 3, 2017. It was confirmed that he did receive the account related documents that were emailed out on May 1, 2017. The discussion centered around how ACA posts payments to accounts and how that may affect when the next due date would be. Mr. [redacted] has a simple interest loan with ACA, payments received (current, past due, intentional overpayment, etc.) are always applied in accordance with ACA’s Payment Allocation Order without exception. Next due dates are also advanced as payments are completed. Mr. [redacted] also wanted a future payoff date based on paying an a certain schedule. ACA does not provide amortization tables but he would be able to locate one online that will suit his needs. The explanation may not have been clear to Mr. [redacted] and we will provide and alternative person to explain the process if needed. Mr. [redacted] also indicated he may seek help from others to resolve this issue. We are available should he need any additional information. We do appreciate his business and apologize for any confusion this situation may have caused. We can be reached at [redacted].com or 864-[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 e-mail and was unable to get in contact with Ms. [redacted]. If she would call us...
at her convenience, we would be happy to discuss the matter, including her question about the effect of paying every two weeks. ACA is unable to change the contracted interest rate and are unable to refinance our loans. We apply payments in the following order, without exception: repossession fees, if any; interest; principal; all other fees (such as late fees and NSF fees); remaining principal. We look forward to Ms. [redacted]’s call and 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 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. I am rejecting this response from the business because they are still not fixing the issue. I am aware of the methods I can use to payoff my account. I am also aware of how to make a payment. My problem is the actual payoff amount. I have been making on time car payments since I purchased my vehicle. My payoff amount should not be more than the amount I originally financed with this company. My payoff amount should not include future interest charges. I started making payments of $326.41 in May 2016 which totals $1632.05. Why is it that only $209.12 have been applied towards my principal and the rest has gone towards interest? According to the ACA website, my account balance as of close of business on 10/10/16 is $11, 297.40. However, your website is saying that my payoff amount as of 10/11/16 is $11,438.47. Why is ACA adding additional interest to my payoff amount? Why has only 13% of my total car payments been applied to my principal?
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. If he
would call ACA at...
his convenience, we can discuss the matter. We can be
reached for questions 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].
We apologize for the phone call
that [redacted]received. We were attempting to reach our customer
that...
happen to have the same last name and area code as [redacted].
Neither [redacted] or her deceased brother are, or were ever,
customers of ACA.
[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 email to [redacted], and
have been unable to reach her. We...
apologize for the confusion this
situation has caused and have noted our system in regards to the issue.
We do appreciate the customer’s business and can be reached for discussion 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 email to [redacted], and
we have been unable to reach them. We did make an...
adjustment to the
account which should translate into the customer receiving statements in the
future. We apologize for the confusion and frustration this
situation has caused. We are available if they have any questions and they should expect to receive a statement during
the next mail cycle in November. For any additional questions, I can be
reached at [redacted] or [redacted]
*
[redacted]
Customer Relations Manager
American Credit Acceptance
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [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 have been unable to reach Ms. [redacted]. After reviewing the file, we have...
determined that while ACA is reporting accurately, our 3rd party vendor is reporting incorrectly. Therefore, we have opted to delete the trade line. If Ms. [redacted] would like to discuss the matter, 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]. We apologize for the issues she...
experienced with our system and greatly appreciate her business. If she should have any further problems, we can be reached directly 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 and
email to [redacted], and have been unable to reach him. If...
he
would give us a call at his convenience, we would be happy to discuss the
situation. 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 Ms. [redacted], and have been able to discuss the complaint with her. Ms. [redacted] has a simple...
interest loan with ACA. Interest accrues on a daily basis and is based on the current principal balance of the account. Interest starts accruing on the date of the contract and continues until the account is paid off. We will be sending Ms. [redacted] some information on how interest is accruing on her account which we hope will clarify the matter. We will also be sending her the information she requested concerning paying off the account if she chooses to go that route. Her business is appreciated and we will be available if she should have any additional questions. We can be reached at [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 reviewed the complaint submitted by [redacted]. ACA was unable to locate a promise on the account for...
1/20/2017 as Ms. [redacted] indicated in her complaint. Our records show no calls or promises to pay from Ms. [redacted] during January 2017 until January 24, the date of repossession. There appears to be confusion over a promise made on 1/24/2017, the day of the repossession. Our records indicate the promise was made after the vehicle was secured. Due to the delinquent status of the account, a promise to pay needed to be made prior to the vehicle’s repossession, and the promise needed to be made in advance for ACA to have time to cancel the repossession order. We apologize if there was confusion over the redemption cost for the vehicle: between the repossession date and the redemption date, another payment became due which altered the cost to redeem. If Ms. [redacted] has any questions, we can be reached at 864-[redacted]-[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 issue with Ms. [redacted]. ACA apologized for the...
confusion and has been able to work out a resolution that was satisfactory to her. If she has any further questions, she can contact me directly at 864-[redacted]-[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]
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]