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 reach Ms [redacted] We have determined that it was someone other than Ms [redacted] that applied for credit over the internet using her informationWe have requested deletion of the inquiry, and we expect the correction to be reporting in the next 24-hours on her official credit reports If she has any additional questions, she can call us at 864- [redacted] or [redacted] @acacceptance.com

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 [redacted] *** with the Revdex.com case number [redacted] ACA has reached out by phone and has been unable to reach Ms*** We have reviewed the account and determined that the payments have been applied correctly Ms [redacted] has a simple interest loan with ACA, and factors such as paying late, late fees, repossessions, and extensions can affect how much interest accrues on the account and how much of each payment is available to pay down principal We do appreciate Ms***’s business and will be available if she has any questions or would like to discuss the accountShe can call us at 864- [redacted] or [redacted] acacceptance.com Keith K [redacted] Customer Experience Manager

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, if the customer is interested

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 have been able to speak with Mr [redacted] We greatly appreciate his business and the way he has handled his account We apologize for the confusion surrounding how payments are applied to his account ACA applies the payments as outlined in the contract and payments are always applied in accordance with ACA’s Payment Allocation Order ACA’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 Whenever Mr [redacted] made a payment, we applied his payment to the accrued interest first, then the remainder to the principal We have also included a copy of ACA’s Simple Interest flyer which will provide additional information concerning interest accumulation on the account If he should have any additional questions or issues, he can contact me at 864- [redacted] or [redacted] @acacceptance.com Keith K [redacted] Customer Experience Manager

ACA makes courtesy collection calls and will not leave a message when we feel it is inappropriate to do soPlease find attached copies of the Notices of Right to Cure which were mailed to Ms [redacted] and the co-buyer via certified mail on May 10, We are available by phone or email if Ms [redacted] has any questions or would like to check the status of her account Our phone number is 866- [redacted] and our email address is [redacted] .com ACA follows the terms of the contract signed by the customer and will be happy to provide a copy if needed

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

continued from complaint # [redacted] on 09/08/I got a call from American credit acceptance at about pm the guy I spoke with went over everything with me and he asked me what I wanted to do I told him that the car should not of been repo and that my daughter needs her car so she can take her son to school every day and to go to work she has to take the el to work at night and I don't like it it's very bad so he said he will call me on 09/09/and release the car and put the on the back of her account but I got no call it's like a game they are playing and with my daughters lifeto do what I was told they would do and release the car

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by Lena [redacted] with the Revdex.com case number [redacted] ACA has reached out by phone to Ms [redacted] , and have been able to discuss the issue with her ACA apologizes for the confusion this situation has caused ACA, at the request of the customer, will notate the account that she wishes to receive statements but would prefer not to receive phone calls We will however, be happy to answer any questions she may have if she would like to call us Finally, we do appreciate the customer’s business and the manner in which she has taken care of her account If she has any future questions, she can call me at 864- [redacted] or K [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 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

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 issueIn my caseit does not reflects my situationBased 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 unfairSince 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: 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 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 increasedTherefore 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 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

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 Ms [redacted] and apologize for any confusion this situation may have caused We appreciate her business and will be available should she have any questions She can get in touch with Freda H [redacted] or she can call 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 [redacted] , and we have been unable to reach her If she would call ACA at her convenience, we will be happy to discuss the complaint and the letter ACA mailed to her on 3/21/which addressed her issue 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] ACA has reached out by phone to [redacted] , and have not been able to get in contact with him If he would like, he can reach us at [redacted] or [redacted] to discuss his complaint We do appreciate his business and look forward to speaking with him [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 Ms [redacted] We apologize if there was any confusion surrounding the payoff ACA applied the check when received from the dealer and has waived the small balance as a courtesy ACA does appreciate the customer’s business and will be available if she has 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 has reached out by phone to [redacted] and have been able to resolve the issue ACA had submitted the information to the three Credit Reporting Agencies (CRAs) to whom ACA reports as we had agreedHowever, but the information was not updated properly by two of the CRAs A second request to make a correction has been submitted, and ACA will verify it has been completed We apologize for the inconvenience this situation has caused and will be available for any future questions We can be reached at [redacted] or [redacted] [redacted] 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]

In regards to the rejection of our response to [redacted] with the Revdex.com case # [redacted] ACA did sent [redacted] the “paid in full” letter that she requested to resolve the matter We have made further contact with [redacted] and have been informed that she was able to contact the company administering her GAP coverage and was able to cancel the product on her payoff date and will be receiving the expected refund She was satisfied with this result and informed me that she had contacted the Revdex.com to close out the complaint