Mobility Plus Homecare

Credit does not stop reporting once an account is charged off, paid, or settled The credit reporting accurately reflects the history of the account

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 discuss the situation We believe we have identified the problem and a correction has been requested We are also monitoring the situation to make sure our resolution was successful We do appreciate the customer’s business and apologize for the confusion the situation has caused If she has and future questions, she can call me directly at [redacted] or [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 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

We have attached a copy of the contract for Ms***’s review The contracted payment schedule was monthly payments of $due on the 19th of each month beginning 4/19/However, six monthly payment extensions, as well as paying after the payment due date, have affected the amount of interest that has accruedAccordingly, the current maturity date (if Ms [redacted] makes timely monthly payments going forward with no further extensions) is 9/19/ Regarding the amount of the payment which is applied to principal and interest, this is dependent upon the number of days between paymentsPaying after the monthly due date causes more of the payment to be applied to interestWe would be happy to discuss this further with Ms***We tried to reach her at the phone number showing on the Revdex.com complaint on 3/29, 4/and 4/We will be glad to speak to Ms [redacted] at her convenienceShe can call Karen R [redacted] at 864- [redacted] or me at 864- [redacted] during regular business hours

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 Mr [redacted] We have been able to reach him but have not had a chance to discuss the situation We have sent him the requested information to the address listed on the Revdex.com complaint and have taken the steps necessary to make sure he receives monthly account statements in the future We do appreciate his business and will be available to discuss the matter at his convenienceWe can be reached at 864- [redacted] or [redacted] .com Keith K [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 ACA failed to provide me any adequate and timely receipts and or invoice and violated STATUE Section 679-AND Section ACA also failed to provide me any proof that any documents were actually mailed to me with tracking number and receiptFLORIDACollateral 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 saleReasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtorAny 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 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 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

I agreed to a month loan which includes the interest, with ACAI was not told nor does the contract say I would be penalized for paying the loan earlyI was told by an agent that I would have to still pay the interest for the duration of the loan even though I'm no longer borrowing money and on asside from that I pay $a day until the loan is paidHe said that if I continue paying the loan on a monthly basis, I would be paying more than the $owedI don'tunderstand why when the interest is calculated into the loanAnd if I pay it off earlier, why would I still owe the interest even though I'm no longer borrowing money?? Also, I don't understand why I'm required ro pay $per day in addition to payment?? For a Yaris with no power locks, no power steering, no cruise control I was charged $and by the rime I pay the 7year loan, it will be $20,and nor to mention the $per day I'm being charged is ridiculous and the law should not allow itAll I wanted was to get a pay off amount so rhat I could save some money and get drom under this loan and I was rold I couldn't and I'll be paying interest on a year loan regardless if I pay earlierAnd continuing the loan for the time, I will pay even moreSorry for being redundant, but this is a crime!!! It's not right!!!

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by [redacted] with the BBB case number [redacted] ACA has reached out by phone to [redacted] ***, and are working to resolve the issue. We have made contact with the... customer and arrangements have been established. We are hoping to complete the redemption process by Friday of this week. We have provided [redacted] with the information he has requested along with our contact information. [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 we were able to speak to Ms*** We are sorry to hear that she was having medical issues at the time of the repossession ACA reviewed the account and found the repossession to be valid The title was also reviewed and found to be acceptable, and would not hinder ACA financing the vehicle Also, ACA is not responsible for any repairs the vehicle may have needed The vehicle was sold at auction on 11/16/and ACA will be happy to settle the deficiency balance on the account if Ms [redacted] would like to discuss the matter If she has any questions or concerns, she can call me directly at 864- [redacted] or [redacted] .com Keith 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 Regards, [redacted] ***

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by R [redacted] K [redacted] with the Revdex.com case number [redacted] ACA has reviewed the complaint submitted by MrK***, 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 MrK [redacted] has any questions, we can be reached at 864-***- [redacted] or [redacted] K [redacted] K [redacted] Customer Experience Manager

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, (copy attached)The fees which Ms [redacted] was charged in connection with the repossession are also validIn 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 backMs [redacted] has her vehicle back as of February 23, A key fee of $remains unpaid, but Ms [redacted] stated that she would pay that fee in March, which is agreeable to ACAMs [redacted] ’s next monthly payment is due on March 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] ACA has reached out by phone and have been unable to get in contact with Mr*** We have however been able to leave messages for each other We do appreciate his business and would like to speak with him concerning the matter ACA apologizes if he is unhappy with how principal only payments are applied In the past ACA honored customer requests to direct their payments in a manner of their choosing, such as “principal only” payments, or applying an “overpayment” amount to principal, even if there was accrued, unpaid interest due on the accountHowever, as of 9/29/ACA no longer honors requests for specific payment allocationThe policy was changed because honoring the requests was causing confusion for customers and causing them to fall behind on payment of accrued interestNow, any payment received (current, past due, intentional overpayment, etc.) is always applied in accordance with ACA’s Payment Allocation Order without exception 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 Again, ACA appreciates Mr***’s business and apologizes for how payments are applied or for our customer service as ACA strives to provide an excellent customer service experienceAs always, he can contact me directly with any questions he may haveI 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 I am rejecting this response from the business because they are still not fixing the issueI am aware of the methods I can use to payoff my accountI am also aware of how to make a paymentMy problem is the actual payoff amountI have been making on time car payments since I purchased my vehicleMy payoff amount should not be more than the amount I originally financed with this companyMy payoff amount should not include future interest chargesI started making payments of $in May which totals $Why is it that only $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/is $11, However, your website is saying that my payoff amount as of 10/11/is $11,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] ***

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 complaint submitted by Mr [redacted] We apologize if there was any confusion surrounding the payoff ACA processes payoffs in 24-hours and can give a verbal payoff when requested If Mr [redacted] 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 reviewed the complaint submitted by Ms [redacted] and apologize for the confusion this situation has caused The requested document has been sent to Ms***, and her credit has been adjusted as requested If she should need further assistance, she can call me at directly at 864- [redacted] or [redacted] acacceptance.com Keith K [redacted] Customer Experience Manager