Mobility Plus Homecare

Ms. [redacted] has a simple interest loan contract with American Credit Acceptance as mentioned in the initial response to the Revdex.com.  The principal balance and the payoff on the loan can differ because the payoff includes both the principal balance and any accrued interest.  The principal balance is the amount on which interest is calculated on the loan.  The accrued interest is added to the balance which would then be the total payoff amount due on the loan.  In this case, with the $11,297.40 principal balance and an interest rate of $26.81%, interest will accrue at $8.29 per day.  The current payoff as of 10/12/2016 is $11,446.77 and will increase each day by $8.29. When a payment is made on the account, the payment is applied to any accrued interest first. Any remaining funds will then be applied to the principal, thus reducing the principal balance. The interest per day is then recalculated, based on the new, lower principal balance.  As the principal balance decreases, so will the daily interest amount.   If Ms. [redacted] chooses to pay the loan off today, she would pay interest only for the time the loan was opened.  ACA applies payments in the following order:  interest, principal until current, fees (if any), and any remaining amount to the principal.   If Ms. [redacted] were to pay off her balance in full today, she would need to pay a total of $11,446.77. This figure is comprised of her principal balance of $11,297.40, plus the $149.37 in interest which has accrued since her last payment was made on 9/24/2016.   When customers request a payoff quote, we give them a 10-day payoff figure, to allow 10 days for the payment to be sent and applied to the account. If the payoff is received prior to the end of the 10-day period, any excess amount will be refunded to the customer. The 10-day payoff amount for this account is $11,529.75. This figure is comprised of her principal balance of $11,297.40, plus the $232.35 that will accrue on the account between 9/24/2016 and 10/22/2016 (10 days from now).   Thanks,[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 email to [redacted] and
we have been able to discuss the situation.  We...

have confirmed that she
has received the refund and apologize for the confusion for not delivering the
refund as promised.  We truly appreciate her business and will be available
if she has any questions or comments, we can be reached at [redacted] or [redacted]     
*
[redacted]
Customer Relations Manager  
American Credit Acceptance

good afternon,I have tried calling them back and have emailed them since contacting you to find out if I was allowed to. When I do call, the number they provided just rings and rings. There is no voicemail or answering machine. I do work and only have limited times I can contact as I do not truly get a lunch brake at work and have tried both before and after work. I have also emailed them asking what time they are available and told them about it just ringing and ringing.Thank you,[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].  We apologize for the confusion this...

situation has caused and greatly appreciate his assistance in working with us to resolve the matter.  We hope to have this completely resolved shortly.  We do value Mr. [redacted]’s business and will be here if he has 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 have been able to...

correspond
by email.  We were able to let her know
that we made the accommodations that she requested on her account.  We apologize for the confusion this situation
has caused and do appreciate the customer’s business.  If she has any additional questions, she can
reach us by phone or email 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 reach Ms. [redacted].  We apologize for the delay in...

picking up her vehicle.  Once the state required document expires we will complete the process.  If she at any point has a question, she can reach 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 and has been unable to reach Ms. [redacted].  We have reviewed the account and determined that the...

payments have been applied correctly.  Ms. [redacted] has a simple interest loan with ACA, and factors such as paying late, late fees, repossessions, and extensions can affect how much interest accrues on the account and how much of each payment is available to pay down principal.  We do appreciate Ms. [redacted]’s business and will be available 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

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 been...

able
to make an accommodation which will satisfy the customer and are in the process
of completing that paperwork.  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 and were able to speak to Ms. [redacted].  Customer service is very important to ACA and we...

apologize that the service she received was less than satisfactory.  We do appreciate her business and will be available if she has any future questions.  We can get 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 been able to discuss the situation.  We believe we have identified...

the problem and a correction has been requested.  We are also monitoring the situation to make sure our resolution was successful.  We do appreciate the customer’s business and apologize for the confusion the situation has caused.  If she has and future questions, she can call me directly 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 I[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 Mr. [redacted], and have been
able to resolve the issue.  We were able to make...

an accommodation which
satisfied the situation.  We do appreciate Mr. [redacted]’s business and will
be available if he has any further questions.  We can be reached at
864-[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 situation with Ms. [redacted] and apologize for any confusion this situation may have caused.  We...

appreciate her business and will be available should she have any questions.  She can get in touch with Freda H[redacted] or she 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 has been able to discuss the complaint with
him.  We do...

appreciate his business and want him to have a great customer
service experience.  We apologize that what he has received was less than
he expected and it took several calls before our Executive Response Team was
able to resolve his issue.  If [redacted] has any questions, now, or in the
future, 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. 
My contract does state that correct, but still accrue the same amount of fiancé charge if I pay on time or late.  Example.  When I make a regular payment of 459.00 about $289.03 goes to principal and 170.29 goes to interest. When I made a late payment of $505.25 about 295.99 went to principal and 136.58 when to interest.  So once again it is not adding up. This contract is not fully explained to its customers.  At time of sale is expressed that you pay by what's on the contract under the today nets payments and price.  American credit is ripping off its clients with underlining charges and contract information. 
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 have been able to approve her request to have her vehicle...

transported overseas.  We appreciate her sending in all of the required documents so we could complete the process.  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

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 Mr. [redacted], and have been able to send out the requested document. ...

We spoke to the authorized party on the account who indicated there were some issues with the loan.  ACA’s review found that the terms of the signed  contract were followed.  We do however apologize if she received less than satisfactory customer service.  If there are additional 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. 
an appolgy will not pay the car difference in interest and the late fee   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 unable to reach Mr. [redacted].  ACA has reviewed Mr. [redacted]’s...

complaint.  In regard to not receiving statements, ACA mailed statements to the address listed on the contract and the application he completed when he applied for the loan.  There was no indication that an alternate address existed and apparently, statements were not forwarded to that address.  ACA does make courtesy phone calls when a customer becomes delinquent, but these calls are not required.  ACA confirmed with Mr. [redacted] prior to ACA acquiring the loan that the first monthly payment was due on 8/3/2017 and the amount of the payment.   If Mr. [redacted] is interested in redeeming his vehicle, we would be willing to do so if the past due payments are made on the account.  If he has any questions, he can contact me at 864-[redacted] or [redacted].com.             Keith K[redacted] Customer Experience Manager