Mobility Plus Homecare

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 and have been unable to reach *** ***. We apologize for the confusion this situation
has caused. ACA suspends credit reporting for days when a contract is purchased to protect against inaccurate reporting. At this time, the day mark has expired and *** *** credit is reporting as he requested. We do appreciate his business and will be available if he has any future questions. We can be reached at *** or *** *** *** *** *** *** American Credit Acceptance

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 They did NOT contact me, I contacted them and they have YET to resolve the issueI will be contacting them AGAIN today.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
*** ***

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 and we were able to speak to Ms***. We apologize that she had a difficult time
reaching our agents and we will be able to accommodate her request to have her ACA trade-line deleted from her credit. *** *** has taken over the servicing on her account. If she has any future questions or issues, she would need to contact them for a resolution. 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, and have been unable to reach Ms***. We have reviewed the account and determined
our records are accurate and Ms*** is correct. After Ms*** paid to redeem her vehicle on September 2017, she was due for November 22, 2017. She paid for November in November and made Decembers payment in February, leaving her currently due for January 22,2018. If Ms*** would like to discuss the account she can call us at 864-*** or ***@acacceptance.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 we have been able to resolve the matter. We were able to make an
accommodation which satisfied the customer. If she has any future questions, we can be reached at reached at *** or *** *** *** *** *** *** 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 reached out by phone to Ms***, and have been able to discuss the matter. We were able to make an
accommodation which satisfied the customer and resolved the issue. We appreciate Ms*** business and willingness to work with us. If she has any additional questions, we can be reached at 864-*** or ***.com. *** *** Customer Relations Manager American Credit Acceptance

The ACA bought my loan from the dealer I called another dealer same company they closed the one I bought my car from and they said that when ACA bought my loan that they also bought the GPS witch they say they know nothing about they were supposed to call me back by 5pm yesterday and they didnt alls
I want is for someone to shut that thing off my payments made up to date so theres no reason for it to beep at me so no I believe it would be on ACA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

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 her. We did receive
some
documentation from *** *** pertaining to her account, but need more specific
information concerning the MoneyGram payment from 4/20/15. We need to
have a copy of the front and back of the cashed document. With this
information, we will be able to continue our research into the missing
payment. If she would give us a call, we would appreciate it. She
can either call me at *** or at ***. We
can also be reached by email 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 Brandy *** with the Revdex.com case number 11673308. ACA has reviewed Ms***’s complaint and apologize for the delay in sending out the document she requested. We
appreciate her business and will be available if she needs any additional information. We can be reached at *** or ***.com. *** *** 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 reviewed the complaint submitted by Mr***, and have been able to resolve the situation ACA was
unable to locate the account associated with the payments Mr*** had submitted. Once located, they were applied to the account. Mr***’s vehicle has been released and the associated fees have been waived. We do appreciate his business and will be available should he have any questions. We can contacted at 864-*** or ***acacceptance.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 reviewed the complaint submitted by Mr*** *** and we apologize if he received less than satisfactory
service and for the issues he has had with his vehicle. ACA does have the title and has provided the information required by the insurance company to have his claim processed. During the pending claim period, payments are due on the account as stated in the retail installment contract. In this situation, the vehicle was stolen, found, was being repaired, and has now been declared a total loss. The insurance company has paid, and Mr*** *** appears to have purchased a GAP productHe is encouraged to contact his Gap provider (Safe-Guard Products at 1-800-***) as soon as possible to file his GAP claim, as there may be a deadline for filing a claim under the terms of his GAP agreement During this time frame, however, monthly payments are still due on his ACA accountIf the insurance and GAP benefits do not pay the entire balance, Mr*** *** will be responsible for any deficiency balanceIf Mr*** *** should have any additional questions or issues, he can contact me at 864-*** or ***acacceptance.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 reviewed the complaint submitted by *** ***. A review of our records verify that Ms*** was
notified on 8/21/that a balance remained on the account. At this time, ACA would like to offer to settle the account. If Ms*** is interested, she can contact us by phone or email and we would be happy to send her a formal letter outlining the terms of the settlement of the account balance. We can be contacted 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 Mr***, and have been unable to reach him. We apologize that he had received
phone calls on his two ACA accounts sooner than he thought was appropriate. ACA does make payment reminder calls when accounts are one day or more past due. In this situation, we have temporarily suspended payment reminder calls to Mr*** and Mrs*** on these accounts. They can, however, call us for any information they may need regarding the status of either of these accounts. We do appreciate his business and will be available if he has any questionsWe can be reached at 864-*** or ***.com. Keith K*** Customer Relations Manager

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 American Credit acceptance and he tried to explain that this was a simple interest loan It does not state on my contract this is a simple interest loan What he referred me to what a paragraph in the loan that states " my loan was based on payments be paid on time and late fees for fiance charges" As of today my loan is current all late fees and late payments are paid That is evident by my transaction report If I do not owe any late payments and late fees, then why am I still accruing finance charges According to there record they are asking me to pay an additional $3,in finance charges, but based on the difference between my loan paper and transaction report it is only payments left Also at this point I should be paying more on the principle, not interest It still shows I am paying about a third in interest Also contact states that if I pay early no additional finance will be assessed I paid my loan on numerous occasions payments at time and I was told by customer service rep that is not good idea because I am being accessed finance changes because it is days with no payment made therefore creating additional finance charges American credit is not being honest with is clients and are assessing finance charges in addition to the finance charge that is stated in contract
Regards,
*** ***

Keep putting a comment on my credit reports that I am days late on a zero balance accountThe account was paid off and this is the second time (almost a year later) I'm filing a complaint about thisI called several time to try and talk to a decision maker, placed on hold for extremely long periodscontact the credit reporting companies and get this removed

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 apologizes that Mr*** had difficulties receiving the information he required The final documents have
since been sent out on the account and we believe this will resolve the issue. We do appreciate Mr***s business and will be available should he have any additional questions. We can be reached at 864-*** or ***.com. Keith K*** Customer Experience Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ** *** and have determined that this does not resolve my complaint. This in not the number left on my VM the number *** has been calling and when I return the call it just rings and rings. Which I have called weekly since reciving the first call keep in mind they are two hours ahead of me and do not work on weekends so please advise how I would speak with them when my working hours coincide with their working hours? The reason I asked NOT to be contacted via phone but email is simply because of the cat and mouse game; and that I want all matters discussed in writing so that there is no room for confusion. I owe about $which I don't even know if that is factual; in one month it will be one year since the vehicle has been totaledYet American Credit Acceptance continues to report on my credit reports; there should be a way to settle for less than what I owe and close this account so we can ALL go one with our livesThis is absurd
Regards,
*** ***

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 able to discuss the issue. We are more than
willing to work with *** *** and will make the necessary
accommodations. We appreciate *** ***’s willingness to assist with the
resolution of this situation. if he has any additional questions, now or
in the future, we can be reached us at *** or ***
*** ***
Customer Relations
Manager
American Credit Acceptance

We appreciate Mr***’s business and the outstanding way he has handled his account and apologize 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: 1. Repossession fees, if any 2. Interest (currently due) 3. Principal (current and past due) 4. All other fees (such as late fees and non-sufficient funds fees (NSF)) 5. 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-*** or ***.com