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 have been able to resolve the issue.  We reviewed...

the
situation and were able to make two different accommodations for [redacted]
that satisfied the situation.  We appreciate his business and apologize
for the frustration this situation may have caused.   If he has any
additional questions, we can be reached 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 reached out by phone and email to [redacted], and we have been able to communicate by email.  The insurance...

check mentioned in the complaint has been located, and we have returned it to the customer by overnight mail.  We appreciate the customer’s business and willingness to assist with this matter.   If she has any questions, now or in the future, I 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, and have been able to discuss the issue with Mrs. [redacted].  ACA was able to...

clarify for Mrs. [redacted] exactly what had happened with the account.  The credit reporting is accurate and at this time, ACA would like to offer to settle the account.  A formal letter will be sent the email address listed on the Revdex.com complaint for the [redacted]’s to consider.  If they have any other issues or questions, they can contact me at 864-[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [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 have been able to resolve the issue.  We have sent...

her the
document that she was requesting which was satisfactory to her.  We do
appreciate her business and apologize for the frustration this situation may
have caused.   If she has any additional questions, we can be reached
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 Ms. [redacted] and has been able to satisfactorily resolve the matter....

 We were able to speak to her on two occasions, and she has since received her refund.  We apologize for the confusion this situation has caused and will be available if Ms. [redacted] 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 reviewed the complaint submitted by Mr. [redacted]. We apologize if there was any confusion surrounding the...

payoff.  ACA processes payoffs in 24-48 hours and can give a verbal payoff when requested.  If Mr. [redacted] 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 [redacted] and we have been able to discuss the issue.  We apologize that her...

experience with our agents was not a positive one.  Unfortunately, we are unable to provide the assistance she requested in the desired settlement section of the complaint.  Going forward, if she would like, she can call me directly with any questions or issues she may have.  I 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 reached out by phone and have been unable to get in contact with Mr. [redacted].  We have however been able to...

leave messages for each other.  We do appreciate his business and would like to speak with him concerning the matter.  ACA apologizes if he is unhappy with how principal only payments are applied.  In the past ACA honored customer requests to direct their payments in a manner of their choosing, such as “principal only” payments, or applying an “overpayment” amount to principal, even if there was accrued, unpaid interest due on the account. However, as of 9/29/2016 ACA no longer honors requests for specific payment allocation. The policy was changed because honoring the requests was causing confusion for customers and causing them to fall behind on payment of accrued interest. Now, any payment received (current, past due, intentional overpayment, etc.) is always applied in accordance with ACA’s Payment Allocation Order without exception.   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.   Again, ACA appreciates Mr. [redacted]’s business and apologizes for how payments are applied or for our customer service as ACA strives to provide an excellent customer service experience. As always, he can contact me directly with any questions he may have. I 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].  
 
We apologize for the phone call
that [redacted]received.  We were attempting to reach our customer
that...

happen to have the same last name and area code as [redacted]. 
 Neither [redacted] or her deceased brother are, or were ever,
customers of ACA.  
 
 
[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]

We appreciate Mr. [redacted]’s business and the outstanding way he has handled his account and apologize if he is unhappy with how principal only payments are applied.  In the past ACA honored customer requests to direct their payments in a manner of their choosing, such as “principal only”...

payments, or applying an “overpayment” amount to principal, even if there was accrued, unpaid interest due on the account. However, as of 9/29/2016 ACA no longer honors requests for specific payment allocation. The policy was changed because honoring the requests was causing confusion for customers and causing them to fall behind on payment of accrued interest. Now, any payment received (current, past due, intentional overpayment, etc.) is always applied in accordance with ACA’s Payment Allocation Order without exception.   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.   Again, ACA appreciates Mr. [redacted]’s business and apologizes for how payments are applied or for our customer service as ACA strives to provide an excellent customer service experience. As always, he can contact me directly with any questions he may have. I 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 [redacted], and have not been able to speak with her.  We did make the...

accommodation requested in the Desired Settlement section of the complaint.  We appreciate the customer’s business and apologize for the inconvenience this situation has caused.  For further questions, we can be reached at [redacted] or [redacted]
 
[redacted]
Customer Relations Manager  
American Credit Acceptance

We were able to speak with her and hopefully she will get us the information we need so that we will be able to assist her.   Thanks,[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 .     ACA has reached out by phone to [redacted] and we have been able to discuss the issue.  We have sent her a copy of the...

“Identity Theft Victim’s Complaint and Affidavit” to the address listed on the Revdex.com complaint.  Once returned, we will review the material to make sure all of the necessary documents have been received and the complaint will be fully investigated.  If she 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
[redacted], and have not been able to get in contact with him.  ...

If
he would like, he can reach us at [redacted] or [redacted]
to discuss his complaint.  We do appreciate his business and look forward
to speaking with him.    
 
 
[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 spoke to him once, but have not been able to get him back on...

the phone.   ACA was sorry to hear Mr. [redacted] was in an accident with the vehicle financed by ACA.  When this type of situation occurs, monthly payments are still due on the account even though insurance is pending.  In some cases, the primary insurance, GAP insurance, and refunds from ancillary products are not enough to pay out the contract.  Reasons vary, but late fees and additional interest accrued due to late payments are the main reasons a small balance sometimes remains on a loan, even after GAP coverage has been applied.   In this situation, a settlement offer was proposed and accepted by Mr. [redacted].  The settlement offer is still valid and is set to expire 7/1/2017.  If Mr. [redacted] is still interested in the settlement or needs some additional time, ACA is more than willing to make adjustments as needed.  We do appreciate his business and will be available if he has any additional question.  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 have been able to speak to Ms. [redacted], and resolve the issue.  We do apologize for...

the confusion this situation has caused and greatly appreciate her business.  We were able to apply the extension to the account leaving a next due date of 2/19/2018.  If she should have any additional questions or issues, 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 [redacted]     ACA has reached out by phone to Mr. [redacted], and we have been able to discuss the situation with him.  We...

apologize for the issue with the auto draft and any confusion this has caused.   ACA has determined that we are having problems with a 3rd party vendor that is responsible for insuring that our payment system operates smoothly, and we hope to have the situation resolved shortly.  We do appreciate the customer’s business and will be available for any questions he may have.  We can be reached at 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 is in the process of resolving the issue with [redacted] and will be contacting her legal...

representative.   We will make every
effort to provide a satisfactory solution for both parties.  We do
appreciate the customer’s business and will be available if she has any
questions.  We can be reached at [redacted] or [redacted] 
        
[redacted]
Customer Relations Manager  
American Credit Acceptance