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 to Mr [redacted] , and have been unable to reach him ACA apologizes that Mr [redacted] did not receive the requested returned phone call We definitely appreciate his business and want to answer any questions he may have If he would like, he 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 have been able to resolve the issue We reviewed the situation and were able to make two different accommodations for [redacted] that satisfied the situation We appreciate his business and apologize for the frustration this situation may have caused If he has any additional questions, we can be reached 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 reviewed the complaint submitted by [redacted] *** ACA was unable to locate a promise on the account for 1/20/as Ms [redacted] indicated in her complaint Our records show no calls or promises to pay from Ms [redacted] during January 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] 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 has been able to satisfactorily resolve the matter We were able to speak to her on two occasions, and she has since received her refund We apologize for the confusion this situation has caused and will be available if Ms [redacted] has any questions We can be reached at 864- [redacted] or [redacted] .com Keith K [redacted] Customer Experience Manager

On March 2, 2018, ACA sent a copy of our reporting to Ms*** for her reviewAll account information has been reported accurately to the consumer reporting agencies (CRAs)April month ended 30+ days past due because there was only a partial payment made on 4/15/and another full payment was not made until 5/4/ ACA reports only the most recent months of payment historyAccordingly, the April late mark is no longer reporting on Ms*** credit reports because it is past the month payment historyAny reporting of payment history prior to month is beyond ACA’s control

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*** 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 weeksACA 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 principalWe look forward to Ms***’s call and can be reached at [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 And now it shows I owe payments and it should only be at this pointSomething is not rightThe late fees showed even when I should have been at a zero balance making it to where not all my payment applied to my interest or principal balance 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 is in the process of resolving the issue with [redacted] and will be contacting her legal representative We will make every effort to provide a satisfactory solution for both parties We do appreciate the customer’s business and will be available if she has any 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 complain [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 reviewed the complaint submitted by [redacted] *** ACA apologizes that Ms [redacted] experienced a delay in redeeming her vehicle ACA and our vendors are only open certain hours and sometime redemptions are delayed until the next day or over the weekend in certain cases Every effort is made to accommodate our customers, but again, there are specific hours in which the activity must take place There were several attempts to reach Ms [redacted] concerning her loanNotices regarding the past due status of the account were mailed to Ms [redacted] and her co-buyer via certified mail on May 10, Unfortunately, in the state of North Carolina, there are specific laws relating to calls ACA is unable to leave voice mail messages for our North Carolina customers unless the voice mail greeting specifically identifies that the voice mailbox belongs to our customer by name In regards to “Smart Pay,” this is a 3rd party service which ACA does not endorse or recommend to customersAccordingly, this is something that ACA would not control ACA does have an option where the customer can set up on ACH using Western Union SpeedpayIf Ms [redacted] should 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 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

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] [redacted] with the Revdex.com case number [redacted] ACA has reached out by phone, and have been able to reach Ms [redacted] We apologize for the delay in picking up her vehicle Once the state required document expires we will complete the process If she at any point has a question, she can reach us 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 BBB 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
*** *** with the Revdex.com case number ***.
ACA has reached out by phone to
*** ***, and we have been able to review the situation. We
apologize
that there was confusion surrounding whether we accepted post-dated checks or
not. We were able to make an accommodation related to the account she has
with us but were not able to assist with her personal bank. We do
appreciate her business and will be available if she has any future
questions. We can be reached at *** or ***
*** ***
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 ***. ACA has been able to remove the phone number Mr*** indicated was called numerous times from our system. ACA had no
knowledge that the number was not valid for one of our customers. We do apologize for any inconvenience this has caused and will be available if Mr*** has any questions. We can be reached at 864*** or ***.com. Keith K*** Customer Relations Manager

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 ***. ACA has reached out by phone to Ms***, and have been unable to reach her. ACA appreciates Ms
***’s business but we are very limited in the assistance we are able to provide. If she could call our main number at 866-***, we will be more than willing to discuss a possible one or two month payment extension on the account. We do not have any options that are available where we could lower the payment for the remainder of the loan. One suggestion for lowering the payment would be for the customer to inquire with her bank, credit union or other entity about refinancingACA does not have the ability to refinance loans. She can reach me directly at 864-*** or ***.com. Keith K*** Customer Experience Manager

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 ***.
ACA has reached out by phone to *** ***, and have
been unable to reach him. We will send him the request
documentation and
will be available to review the information at his convenience We can be
reached at *** or ***
We do appreciate his business and apologize for any confusion this
situation may have caused.
*** ***
Customer Relations Manager
American Credit Acceptance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this still does not resolve my complaintIt's very unfortunate that this matter could not be resolved amicablyI have exhausted all of my own efforts with ACA directly, the credit reporting agencies, and Revdex.comI am forced to continue this dispute legallyACA will here from my attorney in the near future
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I was contacted by Karen with the companyHowever, Karen stated she will contact me once she has the outcomeI called Karen last week and was told, she will call me back on Monday, 02/27/I have not heard back on the outcome of how will these be fixed on my credit reportAs I said before, the late payment was removed, which was greatHowever, the history of almost years was also removed and caused a decrease in my score
Regards,
*** ***