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
[redacted] and we have been able to discuss the complaint.  We were
able to...

come up with a solution that was satisfactory to her which resolved the
issue.  We apologize for the confusion this situation has caused and will
be available if she has any further questions.  We can be reached at
[redacted] or [redacted] 
 
 
[redacted]
Customer Relations
Manager  
American Credit Acceptance

It is ACA’s policy to report its accounts to the three major credit reporting agencies. ACA must report accurately, and we are doing so with regard to Ms. [redacted] account.

ACA is not a party to divorce decrees, which are between the spouses and the family court. The divorce decree did not allow or obligate ACA to alter the parties to the Retail Installment Contract.

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 were unable reach Ms. [redacted].  If she would give us a call, we would be happy...

to discuss the matter.  We can be reached at 864-[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager

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]

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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [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 Ms. [redacted] and apologize for the confusion this situation has caused.  The...

requested document has been sent to Ms. [redacted], and her credit has been adjusted as requested.  If she should need further assistance, she can call me at directly 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 Ms. [redacted], and have been able to discuss the complaint with her.  Ms. [redacted] has a simple...

interest loan with ACA. Interest accrues on a daily basis and is based on the current principal balance of the account.  Interest starts accruing on the date of the contract and continues until the account is paid off.  We will be sending Ms. [redacted] some information on how interest is accruing on her account which we hope will clarify the matter.  We will also be sending her the information she requested concerning paying off the account if she chooses to go that route.  Her business is appreciated and we will be available if she should have any additional questions.  We can be reached at [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 was able to get in touch with [redacted] by email, and
are working to resolve the issue.  We hope...

to clarify when the payments
are due and have sent the customer a copy of the Retail Installment Sale
Contract.  We have also noted the issues with the statements, which were
mailed to the address listed on the Contract and have not been returned. 
ACA sends out statements as a courtesy, as they are not required by
law.   We do appreciate [redacted] business and we’re pleased to
be able to provide her financing for her vehicle.  We will wait for a
response to the email we sent her and will proceed with the accommodation that
was mentioned in the email.  We will continue to be available to [redacted] by phone or email, and look forward to resolving her issue. 
   
 
 
[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 have been able to resolve the issue.  ACA had submitted the information...

to the three Credit Reporting Agencies (CRAs) to whom ACA reports as we had agreed. However, but the information was not updated properly by two of the CRAs.  A second request to make a correction has been submitted, and ACA will verify it has been completed.  We apologize for the inconvenience this situation has caused and will be available for any future questions.  We can be reached 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 reviewed the complaint submitted by [redacted].  The vehicle was released as soon as the full amount of the...

redemption was paid.  We apologize if Ms. [redacted] felt that there were delays in processing.  ACA wants to get our customers back in their vehicles as quickly as possible.  If Ms. [redacted] would like to discuss the complaint.  She can contact us at 864-[redacted] or [redacted].com.        Keith K[redacted] Customer Experience Manager

The payment Ms. [redacted] made on 10/31/2017 was applied to the account and covered the payment due for 10/28/2017, and partially covered the interest that had been accruing since 8/12/2017.  She did receive two payment extensions for August and September, 2017 payments. These were applied to the account on 9/1/2017. They extended the payment due dates, but did not stop interest from accruing (see attached extension document).  [redacted] Federal Credit Union contacted ACA on 11/2/2017 requesting a 10-day payoff quote. Therefore, this quote was requested after the 10/31/2017 payment had applied to the account. The 10-day payoff quote of $22,355.51 was stated, and was good through 11/12/2017. A payoff check for this amount was applied to the account on 11/13/2017. A copy of the payoff check is attached. We apologize that we have been missing Ms. [redacted]’s phone calls but will be available to discuss the matter.  I can be reached at [redacted].com or by phone at 864-[redacted].        We have also included a copy of Ms. [redacted]’s transaction history and our simple interest calculation flyer for her perusal.      Thanks, Keith

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 are in the process of discussing the
issue.  We have...

sent [redacted] a copy of the contract and the welcome
letter.  We hope to speak with him again after he gets a chance to review
the information. We can be reached at [redacted] or [redacted]               
 
 
[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 unable to reach him.  If he
would call ACA at...

his convenience, we can discuss the matter.  We can be
reached for questions at [redacted] or [redacted]             
 
 
[redacted]
Customer Relations Manager  
American Credit Acceptance

ACA has reviewed Mr. [redacted]’s response, but the Revdex.com is not the appropriate place to debate the state laws which Mr. [redacted] mentions.    The settlement offer we presented is reasonable and is still available until June 12, 2017 if the customer is interested.

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 have determined the balance reporting to the credit reporting...

agencies is accurate.  Mr. [redacted] did surrender his vehicle, and the vehicle was sold per the terms of the contract (attached).  Once sold at auction, the funds were applied according to the contract, which left a deficiency balance on the account.   The attached deficiency balance letter outlines how the funds were applied to the account.  It should also be noted that interest continues to accrue on the account at the contract rate of 28% which is also in accordance with the contract.  We do have an option to settle if Mr. [redacted] would like to consider this possibility.  We would analyze the situation and try to come to an agreeable amount.  We did attempt to reach Mr. [redacted] by phone, had a brief conversation, and the call was ended.  If at any time he would like to discuss the account or entertain a settlement, he can contact us 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 speak to her.  [redacted] indicated that she made the payments on...

the account and had sent the verification to her attorney for review.  As of today, 1/22/16, we have not received a copy of those documents but will research the information once received.  We will be glad to help [redacted] with any questions she may have and 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 [redacted], and we have been able to resolve the issue. 
We have provided and...

accommodation that was satisfactory to her.  If she has further 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 reviewed the complaint submitted by [redacted].  ACA is not a party to divorce decrees, which are...

generally between the divorcing spouses and the family court.  Therefore, ACA is not subject to the divorce order.  The vehicle was sold at auction on 12/16/2016, and the proceeds of sale ($7,200) were applied to the account on 12/21/2016. ACA has confirmed that all state-law required notices were mailed to the last known addresses ACA had on file for Ms. [redacted] and Mr. [redacted]. These Notices include a Notice of Default letter mailed 9/28/2016, a Notice of Right to Reinstate and Notice of Our Plan to Sell Property mailed 11/14/2016, and an Explanation of Deficiency Balance letter mailed on 12/22/2016.  The account holders are responsible for keeping ACA informed of their current addresses.  ACA does make courtesy collection calls and attempts to reach our customers based on the contact information we have.  Our information shows we did have a conversation with the Ms. [redacted] and she was aware of the situation with the vehicle.   ACA has a procedure whereby deficiency balance accounts can be settled for less than the full amount owed. Ms. [redacted] or Mr. [redacted] may call ACA’s Customer Service department at 866-[redacted] during regular business hours to discuss settlement of the deficiency balance. If the account is settled under this procedure, ACA will report to the CRAs that the account was settled for less than the full balance owed.   If she would like to contact us, we can be reached at 864-[redacted] or [redacted].com.           Keith K[redacted] Customer Experience Manager