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 reviewed the complaint submitted by Ms. [redacted] and have determined the right to Cure Notice was sent out as...

required.  A copy of the notice has been included with this response.  We apologize if Ms. [redacted] had difficulty reaching our company by phone.  ACA’s phone number is listed on our statements and website, the direct number is 866-[redacted].  The vehicle has been sent to auction, but if the customer is interesting in paying to redeem the vehicle, we encourage her to contact us as soon as possible as the car will be process and sold fairly quickly.  If she has any questions, she can call me directly at 864-[redacted] or [redacted]acacceptance.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 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

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 he...

had difficulties
reaching our agents, we strive to answer all of our calls as quickly as
possible.   We also confirmed that he was in receipt of the state of
[redacted] required documents related  to his particular situation. 
Finally, we were able to review the next steps that will occur and his
responsibilities going forward.  If he should have 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, and have been able to discuss the issue with Mr. [redacted].  Apparently there was a...

communication issue between Mr. [redacted] and the third party repossession vendor and the vehicle did not get picked up.  We have since talked to Mr. [redacted] and were able to work out a settlement of the account balance that was satisfactory to him.  If he has any further questions, he can contact me at 864-[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager

ACA was able to reach the customer and provided a solution that was satisfactory to Ms. [redacted].  She was also provided with my direct line should she have any questions.

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint file by [redacted] with the Revdex.com case number [redacted].     ACA has reviewed the complaint submitted by Ms. [redacted].  It was determined she sent in a check for a closed account...

that was not listed under her name.  In situations where a non-customer does not have an account with us, and is not authorized to speak on an account, the amount of information we can provide is limited.  We did speak to the account holder and he provided his information in regards to where the refund was to be sent.    We do apologize that this situation has occurred and hope Ms. [redacted] was able to contact the account owner.     If Ms. [redacted] has any additional questions, we can be reached  at 864-[redacted] or [redacted]@acacceptance.com.

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by R[redacted] with the Revdex.com case number [redacted].     ACA has reviewed the complaint submitted by Mr. K[redacted], and have been able to resolve the issue.  Apparently there was...

some confusion concerning a fraudulent alert set up on the customer’s banking account which prevented the payment from being sent to ACA.  The customer’s vehicle has since been redeemed and the account is in good standing.  If Mr. K[redacted] has any questions, we can be reached at 864-[redacted] or [redacted].           K[redacted] Customer Experience Manager

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].

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.  ACA failed to provide me any adequate and timely receipts and or invoice and violated STATUE Section 679-506 AND Section 679.501 . ACA also failed to provide me any proof that any documents were actually mailed to me with tracking number and receipt. FLORIDACollateral Recovery Upon DefaultPeaceful repossession allowable.Redemption of Collateral a secured creditor may sell, lease or otherwise dispose of the collateral in a commercially reasonable manner, public or private sale. Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Any time before the disposition of the collateral, a debtor may have a right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor. (Section 679-506)Deficiency RequirementsA creditor must account to the debtor any surplus, and unless otherwise agreed, the debtor may be liable for any deficiency.State CodeSection 679.501
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 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 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 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

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]

The repossession of the vehicle due to payment default was valid, and the state-required Notice of Intent to Repossess was mailed to Ms. [redacted] on October 5, 2017 (copy attached). The fees which Ms. [redacted] was charged in connection with the repossession are also valid. In order to assist Ms. [redacted] in reinstating her contract and getting her vehicle back, ACA approved a payment extension, which reduced the amount she needed to pay to bring the account current and get her vehicle back. Ms. [redacted] has her vehicle back as of February 23, 2018.  A key fee of $55 remains unpaid, but Ms. [redacted] stated that she would pay that fee in March, which is agreeable to ACA. Ms. [redacted]’s next monthly payment is due on March 9. We are sorry that Ms. [redacted] had a negative experience with our company and we will be available if she has any questions.

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. 
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 reviewed the situation and apologizes that the phone number ending in [redacted] was not removed from our...

system as requested.  It has since been deleted and Mr. [redacted] should not receive any further phone calls.  If he has any further questions, we can be reached at 864-[redacted] or Keith.K[redacted].   Keith K[redacted] Customer Experience Manager