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 reviewed the complaint submitted by [redacted].  ACA apologizes for the confusion this situation has caused and appreciated Ms. [redacted]’s business.  We also apologize for any rudeness Ms. [redacted] experience when speaking with ACA associates.   Interest does accrue daily, but Ms. [redacted] will only be charged interest while there is a balance on the loan.   Ms. [redacted]’s complaint mentions a payment of $4 per day. We would like to clarify this for Ms. [redacted]. Currently, Ms. [redacted]’s per day interest is $3.94. This is not additional interest,  but rather the amount of interest accruing per day based on the contractual Annual Percentage Rate of 20.70% and the current principal balance of $6,958.32.  As Ms. [redacted] makes regular on-time monthly payments, her principal balance will be reduced, and her per day interest rate (also known as “interest per diem”) will also be reduced.   She will not be charged for future interest, there is no prepayment penalty, and interest stops on the day the loan is paid in full.  Attached is a copy of the contract and a copy of ACA’s Simple Interest FAQ Flyer which provides information on how simple interest is calculated.  If Ms. [redacted] has any questions, we can be reached at 864-[redacted] or [redacted]acacceptance.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 have been unable to reach Ms. [redacted].  We have reviewed the complaint and...

have corrected the credit bureau reporting per the request of the customer.  We apologize for the confusion this situation has caused and appreciate the  customer’s business.  If Ms. [redacted] has any additional questions, we can be reached at 864-[redacted] or [redacted]acacceptance.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 discuss the issue.   The problem was...

identified and a form was emailed to the customer which should help solve the problem.  We have also made the adjustment to the account that [redacted] requested.  We do appreciate her business and want to be available to answer any questions she may have.  She can contact the agent she originally spoke with or she can call us at [redacted] or [redacted]          [redacted]   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 we have been able to resolve the issue. 
We have...

provided and accommodation that was satisfactory to him.  If he has further questions, we can be reached
at [redacted] or [redacted]     
 
 
[redacted]
Customer
Relations Manager  
American Credit Acceptance

On March 2, 2018, ACA sent a copy of our reporting to Ms. [redacted] for her review. All account information has been reported accurately to the consumer reporting agencies (CRAs). April 2015 month ended 30+ days past due because there was only a partial payment made on 4/15/2015 and another full payment was not made until 5/4/2015.  ACA reports only the most recent 25 months of payment history. Accordingly, the April 2015 late mark is no longer reporting on Ms. [redacted] credit reports because it is past the 25 month payment history. Any reporting of payment history prior to  25 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 have been able to discuss the issue with Ms. [redacted].  ACA apologizes...

for any confusion concerning the situation and has clarified exactly what had happened with the account.  The credit reporting is accurate and reflects a payment history with no late marks, and Ms. [redacted] has never incurred a late fee. If she has any other issues or questions, she can contact me at 864-[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager

We are sorry that Ms. [redacted] is unsatisfied with ACA’s response.  ACA follows the terms and conditions of the contract Ms. [redacted] signed and also complies with Maryland state law.  We have attached a copy of the contract and the reaffirmation agreement for Ms. [redacted]’s review.

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 have confirmed
that he...

had the necessary information needed to file a claim with a third-party
vendor used by ACA.  We also apologized for the confusion caused by this
situation and have discussed future communication methods that should result in
a smoother process flow.  We do appreciate his business and will be
available if he 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 complaint ID [redacted] and have determined that this does not resolve my complaint. 
Regards,
[redacted] To ACA:This response is not satisfactory to [redacted] and I. NOT AT ALL. It has been 3 MONTHS.....YOU AS THE LEIN HOLDER STILL HAS MY ACCOUNT OPEN AND I AM UNABLE TO GET ANOTHER VEHICLE. YOU ARE DESTROYING ME AND MY HUSBANDS CREDIT SCORE. Frankly,  you should have told the insurance  to change the title to [redacted]  And my name...by [redacted] state law. That would have avoided 1 OF THE MIX UPS!!!!THE POINT IS, WE HAD FULL COVERAGE..FULL.... GAP. AND A WARRENTY. THERE IS NO REASON WHY MY FAMILY...A FAMILY OF 6 SHOULD BE WITHOUT A CAR. YOU ALL WILL BE HELD RESPONSIBLE.  IT IS NOT ABOUT HAVING MANY FACTORS ABOUT WHY YOU REQUIRED THAT RIDICULOUS DOWN PAYMENT OR CO-SIGNER FROM US. IT'S ABOUT MONEY.  POINT BLANK AND PERIOD.  YOU HAVE TO DO BETTER.... IF IT WAS YOU OR YOUR FAMILY YOU WOULD FIGHT THIS. YOU HAVE YOUR LAWYERS BECAUSE THIS IS A BUSINESS AND A MONEY MAKING BUSINESS. ACTION WILL BE TAKEN BY MYSELF AND [redacted]. DISGUSTED, DISSATISFIED AND FURIOIS,[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, and we have been able to reach Ms. [redacted].  We are in the process of reviewing her credit...

information and coming to a resolution.  We do appreciate her business and will be available should she have any questions.  We can be reached  at 864-[redacted] or [redacted]acacceptance.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 we have been able to resolve the issue.   We were...

able
to discuss the account in detail.  We have also answered the questions [redacted] presented and reviewed with him how interest accrues on his account. 
We are also going to send him a copy of his transaction history and some
additional information pertaining to simple interest loans.  We appreciate
his business and will be available if he has any additional questions.  We
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 to Mr.[redacted], and have been unable to reach him.  ACA does have a $7.95 fee paid to a third...

party for payments made online but those fees are not incurred when a payments is rejected.  We do appreciate Mr. [redacted]’s business  and if he would call us at his convenience we would be happy to discuss the matter.  We can be reached 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 and have been able to reach Mr. [redacted].  The vehicle that was financed by ACA on...

7/23/2013, a 2006 Dodge Charger, was taken by Mr. [redacted] to a repair shop and was abandoned there by the customer.  ACA chose not to pay for the repairs or to recover the vehicle from the shop.  On 6/17/2016, the repair shop, [redacted] Nissan, was awarded the abandoned vehicle in court which nullified ACA’s lien but had no effect on the amount of money Mr. [redacted] owed to ACA.  At this time, ACA would be willing to settle the matter for an amount far less than the current payoff of $14,633.95.  If Mr. [redacted] is interested in discussing a settlement, he can contact Karen R[redacted] at 864-[redacted] or Keith K[redacted] at 864-[redacted].  He can also email us at [redacted]acacceptance.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 Mr. [redacted], and we reviewed the account in detail.  It appears Mr. [redacted]...

obtained the payoff quote from our website, and the funds were received and applied a week later on 7/10/2017.  The payoff submitted did not include the additional interest that accrued from the time he obtained the payoff to the day ACA received the payoff, which left a small balance of $67.51. (Normally, when customers call in, they are quoted a 10-day payoff, which is valid for 10 days).  We spoke to Mr. [redacted] on 7/11/2017, and at that time he asked ACA to waive the small remaining balance due to personal circumstances.  ACA agreed to waive the small remaining balance of $67.51 as a courtesy and sent the paid papers and title to the customer.  On 10/10/2017, ACA received the refund check from the customer’s GAP cancellation and applied part of the funds to the balance that was waived which was now $71.04 due to accrued interest. This is our standard procedure when we have waived a balance as a courtesy, but then receive funds which are applicable to the account.  We do appreciate Mr. [redacted]’s business and have no issue with the early payoff.  If he 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 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 we have
been able to discuss the issue.  We have no...

evidence that any settlement
monies have been paid and will be happy to investigate the matter further if
the customer provides proof of such payment. 
She can forward that information to the Revdex.com or ACA directly.  Also, ACA is
currently willing to offer another settlement to resolve this matter.  If
she is interested in settling, or has additional documentation that she would
like to provide, we 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 reviewed [redacted] complaint and has determined that it was a company-wide system issue which caused his...

phone calls to be routed to the incorrect mailbox, resulting in him receiving the message that ACA was closed.  We do apologize for this inconvenience and have resolved the issue which caused the problem.  We have also processed his request for information and expect him to receive the document in the next few days.  We will be available for any future questions he may have and can be reached at [redacted] or [redacted]    [redacted]   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. I was aware they took off the fees for the most recent payment but they also changed what was applied to the principal balance in result of that change. This has been a fee on my account for a very long period of time so that means all of my payments over the last year have been applied incorrectly. Resulting in higher interest payments and extra fees I should not have been charged. Just taking off the fee this tijme does not resolve my issue. 
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 and has been unable to reach Ms. [redacted].  We have reviewed the account and determined...

that the payments have been applied correctly.  ACA is showing a current balance of $442.15 with a due date of May 5, 2018.  The payments for December and January were extended which may be causing the confusion.  We do appreciate the customer’s business and will certainly send out her title and paid papers once the account has been paid in full.  If she has any questions or would like to discuss the account, she can call us at 864-[redacted] or [redacted]acacceptance.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 40 payments and it should only be 35 at this point. Something is not right. The 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]