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 Mr. [redacted], and have been
able to resolve the issue.  Mr. [redacted] spoke with our...

representative [redacted], and we were  able to close out the account as requested.  We
apologize for the confusion the situation has caused and appreciate the
customer working with us to resolve the issue.  If he has any further
questions, [redacted] can be reached at 864-[redacted], or he can call us at
864-[redacted] or [redacted].com.
              
[redacted]
Customer Relations Manager  
American Credit Acceptance

ACA has reviewed the Transunion credit reporting and have found the information in the report to be accurate.  We will send Ms. [redacted] a copy of the history we are reviewing by secured email so she can compare it to the report she has obtained.  The report we are reviewing does not include any payment information and comes directly from Transunion.  We look forward to resolving this matter.

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]

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, and have been able to reach Ms. [redacted].  We have determined that it was...

someone other than Ms. [redacted] that applied for credit over the internet using her information. We have requested deletion of the inquiry, and we expect the correction to be reporting in the next 24-48 hours on her official credit reports.  If she has any additional questions, she can call us at 864-[redacted] or [redacted]@acacceptance.com.

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 Mr. [redacted].  ACA apologizes for the...

confusion this situation has caused and will be deleting the trade line as is the normal procedure when this event occurs.  If Mr. [redacted] has any other issues, he 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 [redacted].  ACA has contacted [redacted] Services...

concerning the matter and they also agreed to delete the trade line on their end.  We apologize for the confusion this situation has caused.  If she should have any future questions.  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 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 and we were able to speak to Mr. [redacted].  After careful review of the situation, ACA finds that...

the credit reporting is accurate.  We apologize if there was some confusion and delay in picking up the vehicle at the customer’s request.  At this time we are willing to offer to settle the account.  If Mr. [redacted] is interested, he can call us 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 apologize that our...

customer service was not up to his expectations.  We were able to discuss the situation in detail and will be available if he has any future questions.  We can be reached at [redacted] or[redacted].          
 
 
[redacted]
Customer Relations Manager  
American Credit Acceptance

We have attached a copy of the contract for Ms. [redacted]’s review.  The contracted payment schedule was 72 monthly payments of $404.19 due on the 19th of each month beginning 4/19/2014. However, six monthly payment extensions, as well as paying after the payment due date, have affected the amount of interest that has accrued. Accordingly, the current maturity date (if Ms. [redacted] makes timely monthly payments going forward with no further extensions) is 9/19/2020.   Regarding the amount of the payment which is applied to principal and interest, this is dependent upon the number of days between payments. Paying after the monthly due date causes more of the payment to be applied to interest. We would be happy to discuss this further with Ms. [redacted]. We tried to reach her at the phone number showing on the Revdex.com complaint on 3/29, 4/2 and 4/4. We will be glad to speak to Ms. [redacted] at her convenience. She can call Karen R[redacted] at 864-[redacted] or me at 864-[redacted] during regular business hours.

This is to serve as a formal response by American Credit Acceptance, LLC (“ACA”) to the complaint filed by Lena [redacted] with the Revdex.com case number [redacted].     ACA has reached out by phone to Ms. [redacted], and have been able to discuss the issue with her.  ACA apologizes for the...

confusion this situation has caused.  ACA, at the request of the customer, will notate the account that she wishes to receive statements but would prefer not to receive phone calls.  We will however, be happy to answer any questions she may have if she would like to call us.  Finally, we do appreciate the customer’s business and the manner in which she has taken care of her account.  If she has any future questions, she can call me at 864-[redacted] or K[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 have been able to reach Ms. [redacted].  ACA investigated the matter and determined that...

both checks had been received from [redacted] Auto Finance on October 30. They had been forwarded to ACA’s Payment Processing department. However, the payment processing agent, not realizing that Ms. [redacted] had two accounts with ACA, was processing one of the checks as a duplicate check. It would have been returned to [redacted]. However, upon receipt of the complaint, ACA caught the error, and the check was applied to the appropriate account on November 3, with an effective date of October 30. The account now reflects as paid in full.  We apologize for the confusion this situation has caused and appreciate Ms. [redacted]’s business.  If she has any further 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 reached out by phone, and we have been able to speak with Mr. [redacted].  We greatly appreciate his business and...

the way he has handled his account.  We apologize for the confusion surrounding how payments are applied to his account.    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.   Whenever Mr. [redacted] made a payment, we applied his payment to the accrued interest first, then the remainder to the principal.      We have also included a copy of ACA’s Simple Interest flyer which will provide additional information concerning interest accumulation on the account.    If he should have any additional questions or issues, he can contact me 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 able to speak to Mr. [redacted].  We apologize for the confusion this...

situation has caused and greatly appreciate his business.  His account has a zero balance and his pay history with ACA reflects that he never had a late payment.  If we could be of further assistance to Mr. [redacted], he can call me directly at 864-[redacted] or [redacted].com.

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 working to resolve the issue.  We have sent...

a
release to the [redacted] Department of Transportation and are waiting for
confirmation that the title has been released to the customer.  We
apologize for the confusion and frustration this situation has caused.  We
also appreciate the customer’s assistance with this matter.  I can be
reached if needed at [redacted] or [redacted] 
 
[redacted]
Customer Relations
Manager  
American Credit Acceptance

In regards to the rejection of our response to [redacted] with the Revdex.com case #[redacted]  ACA did sent [redacted] the “paid in
full” letter that she requested to resolve the matter.  We have made
further contact with [redacted] and have been informed that she was able to
contact the company administering her GAP coverage and was able to cancel the
product on her payoff date and will be receiving the expected refund.  She
was satisfied with this result and informed me that she had contacted the Revdex.com
to close out the complaint.

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
have been unable to reach her.  We...

apologize for the confusion this
situation has caused and have noted our system in regards to the issue. 
We do appreciate the customer’s business and can be reached for discussion 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 able to discuss the matter.  We were able to make an...

accommodation which closed out the account and satisfied the customer.  We appreciate his business and will be available if he has any additional questions. We can be reached at  864-[redacted] or [redacted].com.      [redacted] Customer Relations Manager   American Credit Acceptance

ACA is working with the repossession company to secure Mr. [redacted]’s vehicle.  If he has any questions, he can call me directly at 864-[redacted]. Thanks,Keith K[redacted]