Mobility Plus Homecare

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 Mrs [redacted] ACA was able to clarify for Mrs [redacted] exactly what had happened with the account The credit reporting is accurate and at this time, ACA would like to offer to settle the account A formal letter will be sent the email address listed on the Revdex.com complaint for the [redacted] ’s to consider If they have any other issues or questions, they 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, and have been able to speak to Ms [redacted] , and resolve the issue We do apologize for the confusion this situation has caused and greatly appreciate her business We were able to apply the extension to the account leaving a next due date of 2/19/ If she should have any additional questions or issues, she can contact me 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 Your wrong there was no courtesy call I have the phone records to prove that I guess it’s company practice to lie thru your teeth to the customer because not only did your representative lie to me now you are tooI did call to make arrangements and we had a confirmation number YOU the company had my credit card information so don’t tell me about calling and making arrangementsJust admit that you were wrong and that’s it’s not about helping your customers and it’s all about getting as much money off of them as you canACA did nothing to help me and according to some of the reviews I’ve read about your company you’ve done the same thing to many other peopleI will take this to social media and show everyone that’s on Facebook and Twitter what you did to me and my family Regards, R [redacted] K***

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 the situation has caused and look forward to working with her in the future We appreciate her business and will be available for any questions she may have She can reach us 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 does have free methods for our customers to make their payments which include mailing a check to the P.OBox on their monthly statement, or setting up recurring monthly payments on our Auto pay program One-time payments through “ [redacted] Speedpay” do incur a fee, which is actually paid to and retained by this third-party vendor, not ACA Of course, if the mailing option is selected, ACA has no control over the delivery time by the USPS, but ACA will post the payment in a timely manner after it is received We do appreciate the customer’s business and will be making an accommodation due to the possible delay in ACA receiving the payment If Ms [redacted] has any questions, she can call us at 864- [redacted] or [redacted] .com [redacted] *ulas Customer Experience 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 situation with Mr [redacted] and was able to make the accommodation requested in the Desired Settlement section of the complaint ACA appreciates Mr [redacted] ’s business apologizes for any confusion If he has any additional questions, we can be reached at 864- [redacted] or [redacted] .com Keith K [redacted] Customer Experience Manager

We apologize that Mr*** continues to have an issue with his credit reporting A credit update was requested on 10/19/and apparently Transunion did not make the requested changes There were no issues with Equifax and Experian ACA has sent in a second requests which should be completed in 24-hours If Mr*** continues to have issues, he can reach me at 864- [redacted] or [redacted] .com

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 for the confusion this situation has caused and we were able to make an accommodation that satisfied the customer We do appreciate his business and look forward to working with him in the future Should he have any additional questions or concerns, we can be reached at [redacted] or [redacted] [redacted] Customer Relations Manager American Credit Acceptance

Ms [redacted] ’s payments have been applied correctly to the account since the inception of her accountHowever, Ms [redacted] ’s complaint expressed that she wanted her late fees to show as “paid.” Accordingly, ACA made an adjustment to the account, as highlighted in the attached Customer Transaction History: ACA adjusted the application of the 10/5/ payment of $(yellow) such that after the adjustment, $was applied to the accrued late fees (orange), $applied to principal (green) and $to accrued interest (blue) Interest is not accrued on late fees, and late fees do not affect the delinquency status of the accountThe late fee is determined by the Retail Installment Sale Contract between Ms [redacted] and ACA As explained in the Contract, a late fee equal to 5% of the late payment is incurred if the payment is days lateTherefore, a late fee is assessed on the 11th day after her due date of the 23rd(Pursuant to the Contract, the minimum late fee is $and maximum is $18.00.) ACA applies the payments as outlined in the contract and payments are always applied in accordance with ACA’s Payment Allocation OrderACA’s Payment Allocation Order is as follows: Repossession fees, if any Interest (currently due) Principal (current and past due) All other fees (such as late fees and non-sufficient funds fees (NSF)) Remaining principal Any amount collected that exceeds the Total Amount Due (Interest, Principal and Fees) will be applied to Principal This payment allocation order benefits the customer in that the payment is applied to principal (current and past due), before it is applied to late feesAccordingly, principal is reduced, resulting in less interest paid over the life of the accountWhile late fees may remain unpaid, they do not accrue interest Whenever Ms [redacted] made a payment, we applied her payment to the accrued interest first, then principal, and if there were not enough funds remaining to cover the late fee, the late fee remained unpaid on the account, interest freeIf Ms [redacted] incurs a late fee in the future, she will need to make that late monthly payment in full, plus the late fee, before her next due date, in order for the late charge to be paid Otherwise, the account will have entered the next month’s payment cycle, and the funds intended to apply to the late charge, will apply to that month’s installment instead (interest and principal) Ms [redacted] ’s next monthly payment of $is due on 11/23/All late charges incurred to date are showing as paid

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 have not been able to speak with her We did make the accommodation requested in the Desired Settlement section of the complaint We appreciate the customer’s business and apologize for the inconvenience this situation has caused For further 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 *** *** with the Revdex.com case number [redacted] ACA has reviewed the complaint submitted by Mr***, and have been able to send out the requested document We spoke to the authorized party on the account who indicated there were some issues with the loan ACA’s review found that the terms of the signed contract were followed We do however apologize if she received less than satisfactory customer service If there are additional 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 to Ms***, and have been unable to reach her ACA has reviewed what was being reported to the credit bureaus and identified an issue only with the Experian report The cause of the error is still under review but does not appear to be an oversite on the part of ACA The issue has been adjusted and the bureaus will now reflect the accurate payment history We apologize for the confusion this situation has caused and will be available for any questions she may have 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 we are working to resolve the issue We have sent a release to the [redacted] Department of Transportation and are waiting for confirmation that the title has been released to the customer We apologize for the confusion and frustration this situation has caused We also appreciate the customer’s assistance with this matter I can be reached if needed 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 able to discuss the issue with Mr [redacted] ACA apologizes for the confusion this situation has caused and will be deleting the trade line as is the procedure when this event occurs If Mr [redacted] has any other issues, he can contact me 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] ***

We are sorry that Ms [redacted] is unsatisfied with ACA’s response ACA follows the terms and conditions of the contract Ms [redacted] signed and also complies with Maryland state law We have attached a copy of the contract and the reaffirmation agreement for Ms [redacted] ’s review

The matter is not resolved and I plan on suing American Credit Acceptance for 5Million Dollars.I have retained an attorney to file the law suitYou can inform American Credit Acceptance they canresolve this matter by taking their name off all three Credit Bureaus otherwise suit will be filed.Mr [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 has been able to discuss the complaint with him We do appreciate his business and want him to have a great customer service experience We apologize that what he has received was less than he expected and it took several calls before our Executive Response Team was able to resolve his issue If [redacted] has any questions, now, or in the future, 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, and have been unable to reach Ms [redacted] We have reviewed the complaint and have corrected the credit bureau reporting per the request of the customer We apologize for the confusion this situation has caused and appreciate the customer’s business If Ms [redacted] has any additional questions, we can be reached at 864- [redacted] or [redacted] acacceptance.com Keith K [redacted] Customer Experience Manager