• Report: #405036

Complaint Review: AMERICREDIT

  • Submitted: Fri, December 26, 2008
  • Updated: Wed, November 18, 2009

  • Reported By:KENT Washington


*Consumer Comment: Nothing in writing

*Consumer Comment: WHY IS IT

*Author of original report: Response to your comment Robert

*Consumer Comment: Confusing...

*Author of original report: correction to my report supervisor's name is not Jeanie but Joanna

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This a copy of an e-mail I received after contacting BBB read from the bottom up.

To:"April Jones"
Subject:Re: Reply from Americredit
Date:Friday, December 26, 2008 9:59:50 AM
[View Source]
Ms. Jones

This is not completely accurate. I recieved a notice of reposession in November. I contacted Americredit and inquired about the notice. They informed me that in order to keep the vehicle I would have to pay $1759.00 by November 12th. That was less than 10 days notice. I told them that I did not have the money and I pay my rent on the 10th. They replied how could you not have the money, you just went bankrupt. Although, her question was not professional and did not deserve a response. I explained that I have been asked to provide huge deposits on utilities etc. After being belittled, I asked to speak to a supervisor. After leaving messages for four days without a return call, I made contact with Jeanie, supervisor on the 5th day and explained my financial situation, she agreed to accept payment and requested that I contact her with transaction number provided by Western Union. Instead of paying my rent, I paid $1200.00 via Western Union and as directed, I left a message for Jeanie informing her of the Western Union transaction number and that I overlooked that a week prior I obtained car insuranace and I contracted with Liberty Mutual to take payments out of my check and the 1st payment began that pay period. I also explained that I had to aquire my medication and not having my medication was life threatening because they affect my brain and my heart. I offered verification of my claims and asked that she please return my call. I did not get a return call. I paid $100.00 the following week and I called Jeanie and left a voice message that I had an eviction notice and I had to pay my rent and late fees of $1360.00 plus 5.00 per day to avoid eviction and I would be able to pay remaining cost of $459.00 plus last months payment on the 10th. I did not get a call back regarding either voice messages. On December 8th, I was informed by my administrator at work that someone with a badge was in my office requesting to see me. It was a representative by the name of Junior and he was there to inform me that he was at my office to repossess my vehicle. I was shocked and embarrassed to say the least. I had not a clue that my car was going to be repossessed because it was obvious that I was making an effort to make payment and I was in constant communication. I attempted to explain to Junior, the man repossing my vehicle, that I had no updated information that my car was going to be repossessed. I attempted to contact Americredit at or about 4:00 PM Pacific Standard Time and I was not able to make contact and my vehicle was repossessed. I had no way home. It was dark and cold. I was at a lost. They didn't come to my home to repossess my vehicle and no notes left at my door.

I called Americredit the following morning to inform them that a friend was going to loan me $1000.00 and I could wire it that day. That should of covered the remaining cost of $459.00 and one month payment. I spoke to a representative who told me that I needed more than $1000.00 because as of 12/09/2008 I owed towing and storage fees, the $459.00 remaining and a car payment for November. All fees totalling over $1600.00. I told them that I just paid 1300.00 in November and I did not have the $1600.00 and I can't pay my rent late again because they may give me another eviction notice. I asked for payment arrangements and was denied.
I was shocked and it was obvious that I had been manipulated into paying fees for the prior months I was in bankruptcy, Americredit had set me up to fail and intensionally repossessed my vehicle for the remaining cost of $459.00 and then charged me additional fees so that there was no way I could get my vehicle back. The interest was at 24% so to let me keep the vehicle would give them more money. Be that as it may, Americredit had not only solicited payment from me which is illegal according to bankruptcy law, but was in practice of extorting money from me .

I contacted Americredit on Thursday to obtain information on the vehicles whereabouts so that I can obtain my personal items out of the vehicle. I spoke to a customer service agent who stated that he did not have the information and had to transfer me to the right department. I spoke to a customer service agent, explained what I needed and her response was do you want to keep the vehicle. I was puzzeled and responded that I did but I was told that it was not an option. She said we (Americredit) can do a deferment. I stated that I asked for a deferement and Americredit told me no. She stated that she didn't know why because I am eligible for a deferment. I was in disbelief. I explained my previous experience, I no longer had the vehicle and the extra fees. She gave me the name of the company who was holding the vehicle. I thanked her and the call ended.

I attempted to google the name but there were similar names and I was not able to contact them. I called Americredit back and asked for the name and address again. I spoke to a male customer service agent and he transfered me to a representative. I spoke to another female who looked at my case and explained the same option of deferment. I was upset. I thought the first representative that mentioned the option of deferment was a fluke but speaking to a different representative offering me the same option of deferment made me ill. I explained my experience and money transfered and that I was assisted finacially by friends in the purchase of a new vehicle. I received the contact information for the company that was holding the vehicle.

Upset about the option of deferment, I attempted to contact Kenda another Supervisor in the bankruptcy department to request a refund of $1300.00 money sent in November. I left 3 messages and no response. I finally made contact on the fourth call. I explained the situation and the option of deferment that was denied to me. Kenda's response was that the representatives/customer service agents do not represent the bankruptcy department. I inquired what can the consumer rely on when calling Americredit. I made a request for a refund. She denied my request and stated that I owed that money for previous months. My reply was that I was in bankruptcy for those months and the money was paid in an effort to keep the vehicle that was repossessed. If the vehicle was going to be repossessed, I would not have paid the funds. I informed her that I had the vehicle in November, I would be willing to pay for November and to please send me the remaining funds. She denied my request.

Americredit practices are unfair to the illinformed, disadvantage and the consumer in general. Americredits tactics are borderline illegal and similar to those of organized crime. They are in the habit of preying on the credit challanged and operate using bate and switch schemes. I am still requesting a refund.
I will be contacting the Attorney General's Office in Texas and Washington State and have contacted the BBB.


-------------- Original message --------------
From: "April Jones"

December 24, 2008

RE: AmeriCredit Account:
2007 Suzuki Forenza


This letter is being sent in response to your recent letter forwarded from the Better Business Bureau.

Our records indicate that on November 3, 2008 you called in to advise that you wanted to pay $1,000.00 on November 25, 2008 and $1,000.00 on December 25, 2008. At that time the representative advised that the Cure Letter stated that you would need to make $1,759.29 due on or before November 12, 2008 and that arrangement was unacceptable. On November 5, 2008, you called in asking if you could pay $1,500.00 on November 11, 2008 and you would pay the remaining balance on November 25, 2008. We agreed that we would allow t his arrangement.

On November 11, 2008, you made a payment of $1,200.00 and on November 22, 2008 you made a payment of $100.00, which does not equal the $1,759.29. The decision was made to place the vehicle out for repossession on December 4, 2008 due to your failure to abide by the arrangements. We are unable to comply with your request to refund the $1,300.00.

Thank you for bringing them to our attention.

Cassie Neighbors
Regulatory Compliance Analyst
Legal Department

April Jones | Consumer Specialist/Philanthropic Advisory Coordinator

Tel: 817-332-7585
Fax: 817-882-0566
Email: ptclerical@fwbbb.org

Better Business Bureau at Fort Worth
101 Summit Ave, Ste 707
Fort Worth, TX 76102

Better Business Bureau at Fort Worth serving
Tarrant, Johnson, Hood, Wise, Parker, Erath, Somervell, Palo Pinto Counties
101 Summit Ave., Ste. 707
Fort Worth, TX 76102-5978 USA
817.332.7585 800.621.8566 817.882.0566 FAX www.fwbbb.org

December 26, 2008


Dear ms. valentine:
Subject's response to your complaint is indicated on the attached. After reviewing it, if you believe it is inaccurate, unfair, or incomplete, please advise the BBB in writing by returning the form below.

Please complete the form and return it to our office within ten (10) days. Otherwise, we have no alternative but to close the file on this matter.

Unless you hear from us differently, your return of this form will also close the file.




April Jones

KENT, Washington

Click here to read other Rip Off Reports on Americredit Auto Financial Services

This report was posted on Ripoff Report on 12/26/2008 01:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/AMERICREDIT/ARLINGTON-Texas-76096/AMERICREDIT-EXTORTION-AGREEMENT-ARLINGTON-Texas-405036. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Nothing in writing

AUTHOR: Concerned - (United States of America)

I have been researching and have noticed one common theme - the consumer was told one thing - but when it comes to Americredit's records - it's completely different.  I have a vehicle financed through Americredit.  I had 2 surgeries late 2008 and then early 2009 was told I'd had a heart attach and type 1 diabetes.  When I was finally released to return to work - if I don't work, I don't get paid - I was laid off the next week - April 15.  My husband contacted Americredit to defer 2 payments.  He was told "NO".  Americredit does not defer payments.  Through research and a different number, they agreed to defer 2 payments - over the phone.  We did have to pay close to $200.00 - which was less than half of one months payment and send an e-mail to them authorizing the deferment.  We did both IMMEDIATELY.  I went back to work for another company, less pay and less hours.  It's been rough, to say the least.  I contacted Americredit for some help until we can get our tax refund in.  No response.  I contacted again - e-mail to all Executive V.P.'s and I hear from Ms. Neighbors as well.  You know...none if this is helping my blood pressure...

Her e-mail is below received today at 10:37 am

Dear Ms. Baker,
I would encourage you to contact our Collections department at 1-877-994-9115 to discuss your intentions on your account and discuss your questions further.  
Thank you,
Cassie Neighbors
Regulatory Compliance Analyst
Legal Department
-----Original Message-----
From: Monica
Sent: Tuesday, November 17, 2009 4:26 PM
To: Neighbors, Cassie L
Subject: RE: Acct #xxxxx - HELP PLEASE

Also, online it shows we are 2 payments behind and one current.  I am only behind one payment and now the November 7th payment is due.  Were 2 payments deferred?

--- On Tue, 11/17/09, Cassie.Neighbors wrote:

From: Cassie
Subject: RE: Acct xxxxxxxx- HELP PLEASE
Date: Tuesday, November 17, 2009, 4:38 PM

Thank you for your recent email in reference to your AmeriCredit account.
We have received your inquiry about changing the terms of your contract.  We understand that our customers may face financial hardships and we try to assist in every way possible. Unfortunately, we are unable to comply with your request to lower the monthly payment, lower the interest rate or alter the terms of the signed Contract, as AmeriCredit does not offer refinancing or similar programs. I would encourage you to contact our Collections department at 1-877-994-9115 to discuss your intentions on your account.  
Thank you, 
Cassie Neighbors
Regulatory Compliance Analyst
Legal Department

The information contained in this electronic message is attorney privileged and confidential information intended only for the use of the owner of the email address listed as the recipient of this message. If you are not the intended recipient, or the employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any disclosure, dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this transmission in error, please immediately notify me by telephone and return the original message to me.

From: Monica
Sent: Monday, November 16, 2009 3:08 PM
To: Americredit.com

In September 2008, my husband and I purchased 2 pickups.  One is financed through Americredit.  These are not loaded or fancy.  We paid $16,000 for each.  Our home mortgage is $35,000.  We have zero credit cards.  In October 2008 I had major back surgery and surgery on both knees.  We were prepared for that; which is part of the reason for the purchase of 2 new vehicles.  We wanted to make sure we had dependable transportation as my doctor's and the hospital where I had surgery is located 1.5 hours one direction.  In December 2008 I had to have another surgyer, on both arms; which, we were not expecting.  In January I had other problems and had to have emergency laser surgery on my eyes followed with yet other problems that lead to yet another doctor in February telling me I have had a heart attack.  In April I was released to return to work full-time - I worked hourly at the local feed mill, and if I do not work, I do not get paid.  On April 15, 2009, I was laid off (about 1 week after I returned to full-time work).  I did find another job with one of my previous customers, at less pay and less hours.  In June I learned I was Type 1 diabetic - I used to ride my bike 2 miles to work, then home - obesity is not the issue.  My husband and I have been struggling to get back on our feet while we try to keep the electricity on at the house - and keep the house.  He works full time - and would then come home and take care of me, or our house - it was under contstruction when all this started (it still needs new wiring and a roof which has been put on hold indefinetly and new siding is just a pipe dream at this point).  We have been struggling, to say the least.  We do not vacation.  I can't tell you the last time we went to a movie.  We don't smoke or drink.  We have really had a "bit" of hard luck and are working just as hard to correct it.  Americredit had been calling my husband 6-8 times in a day.  We do not know if it is in response to my originally e-mail that they have quit calling, or if you are going to come get the pickup.  Any assistance you can give us will help us greatly - at least with the calls to stop until we get our tax return in.  I work at a dairy now at $10.00 an hour Monday - Thursday.  My husband is David Baker and I am Monica Baker, our account # is listed in the Subject line.  We can be reached here or xxxxxxxxx.
Question?  Is it possible to get a lower interest rate, and in effect lower payments?  When we call...the only help we have received was the deferment - which at that time was helpful, but only a temporary solution.  Will we be able to make our payments on time and stay current once we get caught - according to our budget, absolutely - as long as I don't have to have another surgery or have another heart attack or the doctors decide there is something else wrong with me to where I miss further work.  Which, I do seem to be doing better each day.
Thank you for your help!
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#2 Consumer Comment


AUTHOR: Billcoll01 - (U.S.A.)

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#3 Author of original report

Response to your comment Robert

AUTHOR: Riko - (U.S.A.)

Robert you must work for a loan company or are in sales. The statement made by the loan company is inaccurate, that is why I am refutting it. When you file a bankruptcy and you decide to keep something like a vehicle, you sign a reaffirmation agreement in which I did but for some reason they could not suddently locate. Ok so no proof of reaffirmation. You don't have numbers right and that is because it is confusing just as you said. I give u points for that but who has time to read a book??? The bottom line is that they made an agreement with me. I paid 1300.00 and two weeks later they decide to repo my car at my place of employment one day prior to my pay date the day I was to make final payment of 465.00. Did I mention that they repo my car in the evening so that I could not contact the BK department in Texas. Did I mention that I the following morning I offered them 1000.00 the day I was to pay them and they denied payment because the amt owed increased to over 1600.00. Did I mention that my medication was in my car and I could not have access until I paid fees but luckily the repo company were willing to work with me on the fees. There were many conversations between AC and myself. I failed to mention that the dealership that sold me the car no longer exist (that is another story). Thank you for the second opinion and giving me something to reconsider.
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#4 Consumer Comment


AUTHOR: Robert - (U.S.A.)

Okay trying to make sense of this. The main point seems to be that you Declared Bankruptcy because of financial troubles. You were delinquent on your car loan, and still having finanical troubles. You eventually made an agreement to pay $1500 on Nov 11th, and the remaining approx $250 by Nov 25th. You paid the $1500 as agreed but were short on the other payment only paying $100. Since you failed to abide by the agreement they decided to reposess the vehicle on Dec 4th. Once they Repossess it you are also resposible for Towing and Storage. Then at some point it seems like you asked for the money you paid them back.

You seem to have some misconceptions of Bankruptcy. If you are in Bankruptcy that does not mean you don't have to pay on your secured loans. If you are delinquent they can reposess your vehicle in BK or not. Any money you pay them for being delinquent is theirs once you pay it. They are under no legal obligation to give it back.

Unless you filed BK on your own. Which would have been very dumb, since you seem to be missing some basic concepts of financing and the regulations. Your lawyer should have gone over all of this with you and kept you from making any mistakes.

Other than the scheme it seems you were trying to pull please explain where the RipOff is.
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#5 Author of original report

correction to my report supervisor's name is not Jeanie but Joanna

AUTHOR: Riko - (U.S.A.)

Sups name was Joanna not Jeanie. I apologize.
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