Mobility Plus Homecare

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 reached out by phone [redacted] and have been
able to resolve the issue.  ACA did not intend to...

call customers prior to
8 am.  We have determined the cause of the error and have corrected
our system so that this does not happen to any customers going forward. 
ACA sincerely apologizes for this inconvenience and appreciates [redacted]
bringing this matter to our attention.  We appreciate his business and
will be available for any questions he may have.  He can reach us 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 apologizes for the confusion this situation has caused and...

appreciated Ms. [redacted]’s business.  It appears the conflict was due to the amount of the payoff received from the dealer.   The account currently has a zero balance and was paid as agreed.  If Ms. [redacted] should have any future 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 and
email  to [redacted], and we have been unable to reach her.  We...

also
sent out documentation pertaining to her account but would like to discuss the
complaint at her convenience.  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]

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 are in the process...

of resolving the problem
and have offered some alternatives.  We have also sent out by overnight
mail information pertaining to her account.  We do appreciate her business
and willingness to assist with working on this problem.  We hope to speak
to the customer again on Tuesday, December 22st.  
[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.  We were able credit the account with the...

payment processing fee collected over the last four months.  We do have his ACH form and are willing to apply it to the account if Mr. [redacted] is agreeable to a due date change to the 4th, which matches the requested withdrawal date noted on the form.  We do apologize for any confusion this situation has caused and appreciate Mr. [redacted]’s business.  If he would like, he can contact us 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 complaint ID [redacted], and have determined that this does not resolve my complaint.   I am rejecting this response from the business because they are still not fixing the issue. I am aware of the methods I can use to payoff my account. I am also aware of how to make a payment. My problem is the actual payoff amount. I have been making on time car payments since I purchased my vehicle. My payoff amount should not be more than the amount I originally financed with this company. My payoff amount should not include future interest charges. I started making payments of $326.41 in May 2016 which totals  $1632.05. Why is it that only $209.12 have been applied towards my principal and the rest has gone towards interest? According to the ACA website, my account balance as of close of business on 10/10/16 is $11, 297.40. However, your website is saying that my payoff amount as of 10/11/16 is $11,438.47. Why is ACA adding additional interest to my payoff amount? Why has only 13% of my total car payments been applied to my principal?
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 to [redacted], and we have been
able to discuss the situation.  ACA is...

requesting documentation to
substantiate [redacted] claim that he has sent in a cashier’s check that ACA
has no record of receiving.  ACA is willing to delay the sale of the
vehicle until 4/15/16 if that will give [redacted] the extra time he needs to
provide the verification.  If he would like to contact us, we can be
reached for questions 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 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 reached out by phone to [redacted] and we were able to reach [redacted] We were able to  discuss the...

issue.   We were able to make an accommodation which resolved the issue. We will be available if they have any additional 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 Mr. [redacted]’s complaint and have determined that the payments made on July 31, August 6, and September 7...

were returned due to the fact that Mr. [redacted] entered his bank account number incorrectly into the third-party payment system which ACA utilizes. However, as a good faith effort to show Mr. [redacted] that ACA appreciates his business and his attempts to make timely payments, an accommodation was made to waive NSF and late fees on the account, totaling $121.88.  If Mr. [redacted] would like to discuss the matter, he can contact us at 864-[redacted] or [redacted].com.      [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 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 reached out by phone to Ms. [redacted], and have been unable to reach her.  ACA has reviewed what was being...

reported to the credit bureaus and identified an issue only with the Experian report.  The cause of the error is still under review but does not appear to be an oversite on the part of ACA.  The issue has been adjusted and the bureaus will now reflect the accurate payment history.  We apologize for the confusion this situation has caused and will be available for any questions she may have.  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 reviewed the situation with Mr. [redacted] and was able to make the accommodation requested in the Desired...

Settlement section of the complaint.  ACA appreciates Mr. [redacted]’s business apologizes for any confusion.  If he has any additional 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 Mrs. [redacted], and were able to speak with her concerning the matter.  ACA apologizes...

for any inconvenience this situation has caused and Mrs. [redacted] should expect to receive a statement prior to her next payment being due.  For any reason if she does not receive a statement or has any questions, she can contact 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 reviewed the complaint submitted by Mr. [redacted], and have been able change the due date to the 15th per his...

request.  We do appreciate his business and apologize for any inconvenience this situation may have caused.  If he has any questions, he can call me at 864-[redacted] or [redacted].com.           Keith K[redacted] Customer Experience Manager

Ms. [redacted]’s payments have been applied correctly to the account since the inception of her account. However, Ms. [redacted]’s complaint expressed that she wanted her late fees to show as “paid.”  Accordingly, ACA made an adjustment to the account, as highlighted in the attached Customer Transaction History: ACA adjusted the application of the 10/5/2017  payment of $384.31 (yellow)  such that after the adjustment, $145.52 was applied to the accrued late fees (orange), $189.91 applied to principal (green) and $48.88 to accrued interest (blue).   Interest is not accrued on late fees, and late fees do not affect the delinquency status of the account. The late fee is determined by the Retail Installment Sale Contract between Ms. [redacted] and ACA.  As explained in the Contract, a late fee equal to 5% of the late payment  is incurred if the payment is 10 days late. Therefore, a late fee is assessed on the 11th day after her due date of the 23rd. (Pursuant to the Contract, the minimum late fee is $7.20 and maximum is $18.00.)   ACA applies the payments as outlined in the contract and payments are always applied in accordance with ACA’s Payment Allocation Order. 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.   This payment allocation order benefits the customer in that the payment is applied to principal (current and past due), before it is applied to late fees. Accordingly, principal is reduced, resulting in less interest paid over the life of the account. While late fees may remain unpaid, they do not accrue interest.   Whenever Ms. [redacted] made a payment, we applied her payment to the accrued interest first, then principal, and if there were not enough funds remaining to cover the late fee, the late fee remained unpaid on the account, interest free. If Ms. [redacted] incurs a late fee in the future, she will need to make that late monthly payment in full, plus the late fee, before her next due date, in order for the late charge to be paid.  Otherwise, the account will have entered the next month’s payment cycle, and the funds intended to apply to the late charge, will apply to that month’s  installment instead (interest and principal).   Ms. [redacted]’s next monthly payment of $402.71 is due on 11/23/2017. All late charges incurred to date are showing as paid.

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 were unable to get in contact with Mr. [redacted].  If he would call us at his...

convenience, we would be happy to discuss the matter, including the issue with his military orders.  ACA follows the rules in regard to SCRA benefits and how they apply to soldiers who are on inactive duty and are called to active duty.  We look forward to Mr. [redacted]’s call and 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 and e-mail and was unable to get in contact with Ms. [redacted].  If she would call us...

at her convenience, we would be happy to discuss the matter, including her question about the effect of paying every two weeks. ACA is unable to change the contracted interest rate and are unable to refinance our loans.  We apply payments in the following order, without exception:  repossession fees, if any; interest; principal; all other fees (such as late fees and NSF fees); remaining principal. We look forward to Ms. [redacted]’s call and can be reached at 864[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager