|
11532897
|
2025-01-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-16
|
|
|
11001540
|
2024-12-02
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8101103
|
2024-01-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5742861
|
2022-07-06
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2022-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I opened a car loan with American Credit Acceptance XX/XX/XXXX in the state of Alabama purchasing a car XXXX XXXX XXXX from XXXX located in XXXX, XXXX. At the time I was not aware of Usury Laws in each state ( which is how they get away with taking advantage of customers ), but now I am aware that this company has been charging me an illegal interest rate of 26.5 %. When I purchased the car the sticker price was {$12000.00}, a XXXX down payment and with other charges financed {$14000.00}, 72 payments {$400.00}, {$6.00} to pay XXXX XXXX. As of XXXX XXXX ( 5 years ) my pay off balance is {$13000.00}. Under Alabama Code Title 8 the legal maximum Rate of Interest is 8 %. American Credit Acceptance are preying lenders and use loopholes and customer insensibility to take advantage of people and charge illegal interest rates. I have talked with XXXX serveral times to refinance the car to lower my monthly payment that have refused and have stated that they do not refinance loans. Rescently, I went to my bank to see about refinancing I was informed that the interest rate come back that was over the Alabama limit, and that I still owned so much money on the loan. I live on a SSI check a month and when the car was purchased my mother co-signed for me ( on SSI too ) I feel that XXXX advantage of us because of our SSI and discrimined against us because of low credit score with a higher interest rate.Penalty for Usury ( Unlawful Interest Rate ) If the interest charged exceeds the amount legally permitted by Alabama law, its usurious. If so, the contract can not be enforced, except to pay the principal originally loaned. The borrower can also deduct from the principal any interest already paid.
At the present time I owe {$13000.00} for 2 more years when the car was only financed for {$14000.00}. This unfair practice by XXXX has really placed me in a hard position. Also on the retail Installement contract with XXXX reads- intrest rate- XXXX, finance charge- {$14000.00}, total amount of payments {$29000.00}, total sale price including down payment- $ XXXX {$29000.00}, American Credit knows that their customers wont be able to afford the loans they are given but agree to let them purchase them from car dealerships anyway. Thats because, XXXX knows that even when borrowers default, they can make money in other ways ( such as repossesion, late fees, high interest rates ) I understand that XXXX is a main candidate in the subprime auto lending industry but I am accussing them of violating laws that prohibit outrageous or dishonest business practices by writing loans they know are destined to fail, and by exposing borrowers to unnecessarily high interest rate. The high-interest retail installment contracts that it knew or should have known many borrowers would be unable to repay.This company profited from these contracts, borrowers experienced credit harm, and, in some instances, lost their vehicles or down payments.I also alleged that some American Credit Acceptance have hidden finance charges, which resulted in violations of the state of Alabama 8 % usury cap and that American Credit Acceptance engaged in unlawful collection practices.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10874134
|
2024-11-18
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Notice to repossess
|
| Sub Product |
Lease
|
| Date Received |
2024-11-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-18
|
| Complaint What Happened |
I gave tried to request information from the company about a vehicle I had through them and they want give me no information at all
|
| Consumer Consent Provided |
Consent provided
|
|
|
10536056
|
2024-10-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2739734
|
2017-11-28
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2017-11-28
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
1091789
|
2014-10-29
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2014-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-29
|
| Consumer Consent Provided |
N/A
|
|
|
10171057
|
2024-09-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-19
|
| Complaint What Happened |
Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
|
| Consumer Consent Provided |
Consent provided
|
|
|
7569331
|
2023-09-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-18
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-29
|
| Consumer Consent Provided |
N/A
|
|
|
3278251
|
2019-06-19
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2019-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9697922
|
2024-08-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9778411
|
2024-08-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6925665
|
2023-05-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Auto debt
|
| Date Received |
2023-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out.
A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8548303
|
2024-03-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-15
|
| Complaint What Happened |
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
After reviewing my credit report I found it has been reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX was late.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6932773
|
2023-05-04
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Auto debt
|
| Date Received |
2023-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX I called American credit Acceptance and XXXX to get my car note refinancing. They told me they can not help me. So I called my bank and they wasn't able to help. So I called back to American Acceptance and XXXX and told them to come get the car. It was also during XXXX. I put brand new tries all round the car and oil change.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9804039
|
2024-08-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-14
|
| Complaint What Happened |
I am REWRITING to AMERICAN CREDIT ACCEPTANCE to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/1976. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6617359
|
2023-02-25
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights.
15 USC 1681 SECTION 602 States I have the right to privacy.
15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6314796
|
2022-12-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I didnt give anyone permission to run my credit report. Company agreed to delete inquiry.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7300156
|
2023-07-25
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Loan
|
| Date Received |
2023-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-25
|
| Complaint What Happened |
I bought a XXXX XXXX XXXX from XXXX motors in XXXX Alabama that recently changed their name to XXXX I immediately brought to their attention that no sooner than I drove off the lot the cv axels was shaking so bad they was about to break, there's a bad power steering leak, bad oil leak, the electrical wires has been cut and rigged. They said they would fix it ir put me in a new car which they never did, when my first month 's payment was due they illegally repossessed the car costing me {$700.00} to get it back instead of the {$300.00} carnote again I mentioned the mechanical issues still unresolved. Today I received a letter from American Credit Acceptance notifying me that apparently the carlot sold my account to them and did not hold up to the deal that they agreed to. I was supposed to only owe {$100.00} payment XX/XX/XXXX and my payoff was supposed to be {$3000.00} not {$6000.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6303021
|
2022-12-09
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9461108
|
2024-07-09
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2024-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6238057
|
2022-11-23
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Ive called 3 times now to dispute my credit not being reported after 13 monthly payments being paid on time. The first time I called them was on XX/XX/XXXX and was told to that it would be taken care of. Then I proceeded to call them back XX/XX/XXXX because the problem wasn't resolved and was told to call them back on XXXX XXXX proceeded to call them back on XX/XX/XXXX and nothing was done.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1070041
|
2014-10-14
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2014-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-14
|
| Consumer Consent Provided |
N/A
|
|
|
6368235
|
2022-12-27
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2022-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10174831
|
2024-09-18
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-18
|
| Complaint What Happened |
XXXX XXXX the State Attorney for N. Y died American Finance Corporation and stated they were prime lenders and preyed on poor people who suffered from their fear tactics and they had to pay the board members because they lied and lower the amount of money.
For us poor people of alabama we have no one to fight for us who no one to fight for prime lenders practices.. I had an accident when they came to repossession of the car and I didn't get the money I should have gotten because they wouldn't let the insurance adjuster know where the car was. They did tell me I would have to pay exorbitant fees for them to look at the car and I was helpless. What was done he did remove the late payments from the credit bureau put put the balance of the car on my credit report and is keeping me from buying the house I have live in 5 years and I as a XXXX of XXXX XXXX XXXX has left me XXXX XXXX because they hold the keys and what little time I have it looks like they have the key and I'm no match for these double dealing prime lenders. It seems like poor XXXX don't stand a chance when they realize your age.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7112162
|
2023-06-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2023-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind.
You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution.
Yours Truly, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5319614
|
2022-03-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3186254
|
2019-03-20
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2019-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4360514
|
2021-05-07
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2021-05-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XXXX XXXX i started making monthly payments for {$500.00} on a XXXX XXXX XXXX. It has been over XXXX years and my balance owed is still almost the total price of the loan. The original loan amount was {$17000.00} and my balance owed on the car is still XXXX. How can this be? This company American Credit Acceptance is has been applying my entire monthly payment to interest only. This is terrible! I have tried requesting XXXX and no one is ever available to assist me.How can I still owe this much after almolst XXXX years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3768535
|
2020-07-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
American Credit Acceptance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2020-07-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| Consumer Consent Provided |
Consent provided
|
|
