Vehicle loan or lease -- Repossession -- Complaint #10873861

Complaint Overview

Complaint ID: 10873861

Company: American Credit Acceptance, LLC

Product: Vehicle loan or lease

Sub-Product: Loan

Issue: Repossession

Sub-Issue: Company explaining amount owed

State: Virginia

ZIP Code: 23462

Date Received: 2024-11-18T12:00:00-05:00

Date Sent to Company: 2024-11-18T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: No

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

My car was reposed in XX/XX/year>, by American Credit acceptance. The lot it was taken to made a key and took some of my belongings which I have claim on. When My vehicle was reposed I immediately called American Credit acceptance to inform them that I wanted the vechile and how much I would need to get it back, after several calls and negotiating they gave me a amount, at one point I called American Credit Acceptance to get the number for the tow company because one of their agents mentioned a " possible '' key fee. When I tried to get the info, the agent keep repeating she can't give me the address to the tow company, I told her I didn't need the address but the phone number, she refused to give me the number so I could ask about the key, I then asked for a supervisor. I paid the repossession fees that were required to get the car. Then my next car payment came up and it was a little LESS than normal which made my eyebrow go up, and I asked about it but they couldn't give me an answer, so I said its less no need to complain. After that payment, I got a text stating that I was {$300.00} late on my car payment I just made. when I called, they stated the payment I made for my car they took and paid for the key and now I'm responsible for the new key. However, I asked them why they give them permission to make a key knowing I had made arrangements to pick up the car 2. Why wasn't the key fee explained 3. When I tried to get the number, the agent acted like I wasn't supposed to contact the tow company 4. Every time I asked them " how was I supposed to turn it in the key '' No one can answer that question. On top of all that the new key doesn't have alarm like my original, so it puts me in danger being that I work nights and now have to search for my car. However, like I mentioned no one can tell me how I was supposed to turn in the key if they don't give me the information to do so, why did they make a new one in the first place. Usually, they make a key if your vehicle is going to auction, and they need to get inside but I feel violated because my vehicle wasn't going to auction my things were missing and I'm left with a key that doesn't fit my needs for the car I'm paying on. And on top if they would have allowed me to communicate, they would 1. had they key I had 2. knew there was no reason to get inside the car. American credit has a responsibility to their customers, my car got towed before in a repossession and these problems did not occur. I asked the mangers to look at call logs and see that I was trying to get this information and I keep getting gaslit now I have extra {$300.00} mind you I paid over {$1500.00} still in the month of XXXX.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• American Credit Acceptance, LLC Company Profile
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