Resources for resolving common issues with American Credit Acceptance, LLC products and services
You can reduce the number of unwanted calls from American Credit Acceptance, LLC you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease February 17, 2017 - In - I went to a so called friend who has a dealership cause i was in need of a car. They used a - - - - as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they -.I was mad and up... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease February 7, 2017 - I purchase a car in late - through a dealership here in - Florida. At the time my credit was not great, and they claimed the only lender that would finance me was American Credit Acceptance. I realize now, that this probably was not true but the finance manager made the biggest commission getting me to take this loan. The car has been nothing but problems, a COMPLETE lemon. That really is on me for not having it checked independently but the dealership made me wait while the bank " inspected '' the car. Clearly they did not as I have put over $5000.00 in repairs and have another $ -... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay January 22, 2017 - The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay January 9, 2017 - American Credit Acceptance -, SC - On -/-/- I received from American Credit Acceptance an Account Summary stating No Payment is Due Until -/-/-. In a letter dated -/-/- I received a letter stating I Owe $800.00 for Late Payments. I have the Account Summary in writing stating No Payment Was Due until -/-/-. The letter dated -/-/- said if payment for full Amount of $800.00 is not received by -/-/- They plan on repossessing the car. I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car pay... |
American Credit Acceptance, LLC Debt collection communication tactics frequent or repeated calls November 14, 2016 - American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at - CST one at - CST and one at - CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease October 6, 2016 - This is a follow up to Case number : -. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " - - '' at " -- '' on multiple occasions with no reply being received. Th... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay August 5, 2016 - a high % loan shark in - - carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over $20000.00 and nothing to so for it I would like to sue them do I have probable cause - -... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease July 24, 2016 - On - -, 2016, I received the attached letter in the mail from American Credit Acceptance, dated - -, 2016. The letter states that American Credit Acceptance received a credit application from - - - on my behalf. This letter is some type of fraud or scam! I have n't submitted an application to - - - this year. The letter also states that it ran my credit via -. I checked my - credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my - credit report. Also, this letter states totally inaccurate informati... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease July 9, 2016 - 1. misleading billing. on the bill received via USPS mail it shows a total amount due on - -, 2016 as $280.00. Their website shows a total amount due as $370.00. They charge a late charge of - even when the amount due is received on time. 2. I want them to bill me correctly. If the amount due on the - of each month is $280.00 or $370.00 let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.... |
American Credit Acceptance, LLC Consumer Loan shopping for a loan or lease July 5, 2016 - I checked my credit report and I see that this company name American Credit Acceptance is reporting to all - credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease June 24, 2016 - American Credit Acceptance and I had a car loan out, I then traded the vehicle in to - - - in - - MD In -/-/-. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via - and gave me the tracking number of - and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed d... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease June 6, 2016 - American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today. ... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease May 10, 2016 - I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on -/-/- while driving my boyfriend 's car. Immediately following the accident, I took his car to - - because I had a scheduled oil change appointment. While waiting, I was sold a - Nissan Altima for around $4000.00. I was in a very distraught state after the accident, I suffer from a - that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a $3000.00 warra... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease April 26, 2016 - i was financed for - - corolla $11000.00, $320.00 monthly to American credit acceptance from - - - -, -, ohio - .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership - it came back on two days later and the car stalls sometimes ... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease April 12, 2016 - I have obtained a Car Loan with American Credit Acceptance in - have have paid on time over and above the minimum payment which is $300.00. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahea... |
American Credit Acceptance, LLC Consumer Loan shopping for a loan or lease April 10, 2016 - On - -, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is - -. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have... |
American Credit Acceptance, LLC Consumer Loan shopping for a loan or lease April 6, 2016 - I recently received a copy of my -.The credit report showed a credit inquiry by American Credit Acceptance on -/-/- that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. American Credit Acceptance ... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay March 19, 2016 - I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on - -, -. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by - - - -, -. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. Under the laws of the State of Georgia UCC - and State - a... |
American Credit Acceptance, LLC Credit card other March 17, 2016 - I recently received a copy of my -.The credit report showed a credit inquiry by American Credit Acceptance on -/-/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. ... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease March 1, 2016 - American Credit Acceptance ( A.C.A. ) is lying that I owe them $1000.00. - -, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed $9700.00. - paid $8300.00 ; - paid $1000.00 ; and - paid $550.00 for a total of $9900.00. They were overpaid by $240.00 and they never gave me my refund. I had GAP insurance by -, and - refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the ... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease February 9, 2016 - I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me. ... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease January 31, 2016 - Company is using unfair collection practices to obtain payment for a debt. Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. I informed company on two occasions, verbally - -, 2016, and via e-mail on - -, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. As of today, my wife con... |
American Credit Acceptance, LLC Consumer Loan shopping for a loan or lease January 20, 2016 - On - -, - I cosigned on a auto loan ( - - - ) for my mom on a vehicle from - - - of -, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on - -, - and they gave us a rental. On - -, -, we had to return the rental to - and pick up our vehicle from dealership. On - -, -, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On - -, - I returned the vehicle back to ... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay January 6, 2016 - I filed a complaint to you back in - 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before -. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop. ... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease January 4, 2016 - American Credit Acceptance repossessed vehicle -/-/- ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l $370.00 to release vehicle. - - - - - packed purchase price of loan & added $1500.00 cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinqu... |
American Credit Acceptance, LLC Consumer Loan taking out the loan or lease December 30, 2015 - I purchased a vehicle on - from - and I was approved twice through American Credit Acceptance. Now I am receiving a call from - stating that I need to return the vehicle because they could not verify my income. I have been working - for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but - in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car lao... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease December 18, 2015 - On - -, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail ... |
American Credit Acceptance, LLC Consumer Loan problems when you are unable to pay problems when you are unable to pay December 10, 2015 - They are contacting Third parties trying to get in touch with me. They are also asking for my deceased fiancee ' who passed away over 2 yrs ago and they have his death certificate. They also call my place of employment asking for my late fiancee and they are transferred to my phone but never leave a message. ... |
American Credit Acceptance, LLC Consumer loan taking out the loan or lease November 8, 2015 - Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company - - 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated - - 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated - - 2015 ) from American Credit Acceptance stating ... |
American Credit Acceptance, LLC Consumer Loan managing the loan or lease managing the loan or lease November 6, 2015 - I purchased a - - from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first - payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took - phone calls for - payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of - - from American Credit Acceptance. I returned the call just to be told by one of their reps... |
American Credit Acceptance, LLC Consumer loan managing the loan or lease September 25, 2015 - American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them - to not contact me at that number ... |
American Credit Acceptance, LLC Consumer loan problems when you are unable to pay September 15, 2015 - I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of - - and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying $13000.00 dolla... |
American Credit Acceptance, LLC Consumer loan managing the loan or lease September 5, 2015 - The high balance amount on my auto loan has only been deducted by only $1000.00 in the course of -. My monthly payments are $260.00 ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the - of requesting. ... |
American Credit Acceptance, LLC Consumer loan problems when you are unable to pay June 25, 2015 - My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in - 2014. In - 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rath... |
American Credit Acceptance, LLC Debt collection communication tactics called outside of 8am-9pm June 1, 2015 - Several times they have called me at - and I know they can not contact me before - or after - I have told them and they still continue to call at that time ... |
American Credit Acceptance, LLC Consumer loan managing the loan or lease May 20, 2015 - When we bought the truck we was told we would end up only paying $15000.00! After paying on this truck for almost - yrs they are telling us we still owe over $13000.00. How are we paying almost - for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press - it tells us that were not due until - - but yet your CSR told me it 's - days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is - wanting WAY more then what the tru... |
American Credit Acceptance, LLC Debt collection cont'd attempts collect debt not owed debt is not mine March 20, 2015 - I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to American Credit Acceptance '' on -/-/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can b... |
American Credit Acceptance, LLC Consumer loan managing the loan or lease March 19, 2015 - I have a car loan that I have paid over $ 8k but they are reporting only $300.00 paid down on principal. I disputed the balance with the bureaus but nothing. I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. I need to know where my money has gone. No one is providing me answers or getting me records. ... |