Americredit Financial Services ripoff in progress Fort Worth Texas

everything you read about americredit is true as far as the negative goes. They have people that look on here to advocate for them and all companies do that.

sarcastic people on here treat you like a lowlife, because that is how americredit treats people.

Just dont ever use americredit, and tell others not to. and you will be 100 percent better off.

more negatives outweigh the positives and the facts speak for themselves.

keep notes of who you talk to, and dates, etc and then when you have to go to court against them, you will have facts of your own. send certified letters also with a return signature, because they are very unorganized and conveniently lose things.

check out your credit report also, because they put false statements on those as well. had to get an attorney to clear that up also.

I understand if they have to report info to these bureaus, but theirs are never correct and are just spiteful, because that is their style.

We went to the dealership the Monday after receiving the phone call I spoke of in my initial report.

We were turned over to the finance manager, who professed himself confused as to why AmeriCredit had turned around and declined the funding. He spoke to someone at the local office that he normally dealt with, and was told they just needed one more income verification item.

I provided him with that, and he faxed it in to them.

Tuesday, he called and told me everything was done and finished with, financing was in place. Due to the length of time, AmeriCredit would be overnighting the payment voucher to the dealership, and I would need to just drop off my first payment to them, and they would overnight it back to AmeriCredit.

Yesterday (June 30), I was getting ready to leave my house to do that and run some other errands, when I received another phone call from my salesman, telling me the finance manager had said they had my truck back.

I just sat there for a second, heaved a big sigh, and asked what was going on now? That the previous week, the financing had again been approved, and I was in fact about to bring in my first payment to them. He transferred me to the finance manager.

Apparently, after telling him the previous Tuesday that I was approved, and they'd call him the next day with an account number for me, they turned around and called and requested yet MORE income verification documents. What, I don't know...they already had 3 months' worth of bank statements from both accounts, 2 years' worth of income tax returns, and the other item they'd requested and received that Monday.

The finance manager told them that I was upset over the whole deal, and for them to just send everything back to the dealership. Apparently, they weren't willing to send the note paperwork on the car back, and the dealership's general manager and lawyer had to get involved in it.

Well, according to what I've been told, that dealership will no longer be sending AmeriCredit any new victims, uh, loan customers.

I was to take the car in this morning, and receive all the paperwork, a $300 check for my cash down, and my truck/truck title back.

I didn't get up to the lot until after noon, and neither my truck, check, or paperwork was ready. In fact, I came home with a signed paper saying I was to be issued a check on Monday, July 3rd and the d**n car again. They are cleaning my truck up for me, and are supposed to deliver it here in a bit, and pick the car up. I've also requested a signed statement on the dealership's letterhead stating the contract is null and void on this car, just in case AmeriCredit turns around and tries to report it as a repossession against my credit.

I will be filing a complaint against Americredit with the Texas Credit Commissioner's office. They have twice approved me, then turned around and changed their minds. I and the dealership have provided them with everything they've requested, and my income is certainly enough to make the payments. While I will hopefully have no further dealings with AmeriCredit, I don't think it's right to just sigh with relief that this matter is over with and just let them get off without doing something. Not to mention, I want something in an official record in case AmeriCredit does something in the future where my credit record is concerned.

I will update further if there's anything to add in the future. Thank you for your advice and concern.

We went to the dealership the Monday after receiving the phone call I spoke of in my initial report.

We were turned over to the finance manager, who professed himself confused as to why AmeriCredit had turned around and declined the funding. He spoke to someone at the local office that he normally dealt with, and was told they just needed one more income verification item.

I provided him with that, and he faxed it in to them.

Tuesday, he called and told me everything was done and finished with, financing was in place. Due to the length of time, AmeriCredit would be overnighting the payment voucher to the dealership, and I would need to just drop off my first payment to them, and they would overnight it back to AmeriCredit.

Yesterday (June 30), I was getting ready to leave my house to do that and run some other errands, when I received another phone call from my salesman, telling me the finance manager had said they had my truck back.

I just sat there for a second, heaved a big sigh, and asked what was going on now? That the previous week, the financing had again been approved, and I was in fact about to bring in my first payment to them. He transferred me to the finance manager.

Apparently, after telling him the previous Tuesday that I was approved, and they'd call him the next day with an account number for me, they turned around and called and requested yet MORE income verification documents. What, I don't know...they already had 3 months' worth of bank statements from both accounts, 2 years' worth of income tax returns, and the other item they'd requested and received that Monday.

The finance manager told them that I was upset over the whole deal, and for them to just send everything back to the dealership. Apparently, they weren't willing to send the note paperwork on the car back, and the dealership's general manager and lawyer had to get involved in it.

Well, according to what I've been told, that dealership will no longer be sending AmeriCredit any new victims, uh, loan customers.

I was to take the car in this morning, and receive all the paperwork, a $300 check for my cash down, and my truck/truck title back.

I didn't get up to the lot until after noon, and neither my truck, check, or paperwork was ready. In fact, I came home with a signed paper saying I was to be issued a check on Monday, July 3rd and the d**n car again. They are cleaning my truck up for me, and are supposed to deliver it here in a bit, and pick the car up. I've also requested a signed statement on the dealership's letterhead stating the contract is null and void on this car, just in case AmeriCredit turns around and tries to report it as a repossession against my credit.

I will be filing a complaint against Americredit with the Texas Credit Commissioner's office. They have twice approved me, then turned around and changed their minds. I and the dealership have provided them with everything they've requested, and my income is certainly enough to make the payments. While I will hopefully have no further dealings with AmeriCredit, I don't think it's right to just sigh with relief that this matter is over with and just let them get off without doing something. Not to mention, I want something in an official record in case AmeriCredit does something in the future where my credit record is concerned.

I will update further if there's anything to add in the future. Thank you for your advice and concern.

We went to the dealership the Monday after receiving the phone call I spoke of in my initial report.

We were turned over to the finance manager, who professed himself confused as to why AmeriCredit had turned around and declined the funding. He spoke to someone at the local office that he normally dealt with, and was told they just needed one more income verification item.

I provided him with that, and he faxed it in to them.

Tuesday, he called and told me everything was done and finished with, financing was in place. Due to the length of time, AmeriCredit would be overnighting the payment voucher to the dealership, and I would need to just drop off my first payment to them, and they would overnight it back to AmeriCredit.

Yesterday (June 30), I was getting ready to leave my house to do that and run some other errands, when I received another phone call from my salesman, telling me the finance manager had said they had my truck back.

I just sat there for a second, heaved a big sigh, and asked what was going on now? That the previous week, the financing had again been approved, and I was in fact about to bring in my first payment to them. He transferred me to the finance manager.

Apparently, after telling him the previous Tuesday that I was approved, and they'd call him the next day with an account number for me, they turned around and called and requested yet MORE income verification documents. What, I don't know...they already had 3 months' worth of bank statements from both accounts, 2 years' worth of income tax returns, and the other item they'd requested and received that Monday.

The finance manager told them that I was upset over the whole deal, and for them to just send everything back to the dealership. Apparently, they weren't willing to send the note paperwork on the car back, and the dealership's general manager and lawyer had to get involved in it.

Well, according to what I've been told, that dealership will no longer be sending AmeriCredit any new victims, uh, loan customers.

I was to take the car in this morning, and receive all the paperwork, a $300 check for my cash down, and my truck/truck title back.

I didn't get up to the lot until after noon, and neither my truck, check, or paperwork was ready. In fact, I came home with a signed paper saying I was to be issued a check on Monday, July 3rd and the d**n car again. They are cleaning my truck up for me, and are supposed to deliver it here in a bit, and pick the car up. I've also requested a signed statement on the dealership's letterhead stating the contract is null and void on this car, just in case AmeriCredit turns around and tries to report it as a repossession against my credit.

I will be filing a complaint against Americredit with the Texas Credit Commissioner's office. They have twice approved me, then turned around and changed their minds. I and the dealership have provided them with everything they've requested, and my income is certainly enough to make the payments. While I will hopefully have no further dealings with AmeriCredit, I don't think it's right to just sigh with relief that this matter is over with and just let them get off without doing something. Not to mention, I want something in an official record in case AmeriCredit does something in the future where my credit record is concerned.

I will update further if there's anything to add in the future. Thank you for your advice and concern.

We went to the dealership the Monday after receiving the phone call I spoke of in my initial report.

We were turned over to the finance manager, who professed himself confused as to why AmeriCredit had turned around and declined the funding. He spoke to someone at the local office that he normally dealt with, and was told they just needed one more income verification item.

I provided him with that, and he faxed it in to them.

Tuesday, he called and told me everything was done and finished with, financing was in place. Due to the length of time, AmeriCredit would be overnighting the payment voucher to the dealership, and I would need to just drop off my first payment to them, and they would overnight it back to AmeriCredit.

Yesterday (June 30), I was getting ready to leave my house to do that and run some other errands, when I received another phone call from my salesman, telling me the finance manager had said they had my truck back.

I just sat there for a second, heaved a big sigh, and asked what was going on now? That the previous week, the financing had again been approved, and I was in fact about to bring in my first payment to them. He transferred me to the finance manager.

Apparently, after telling him the previous Tuesday that I was approved, and they'd call him the next day with an account number for me, they turned around and called and requested yet MORE income verification documents. What, I don't know...they already had 3 months' worth of bank statements from both accounts, 2 years' worth of income tax returns, and the other item they'd requested and received that Monday.

The finance manager told them that I was upset over the whole deal, and for them to just send everything back to the dealership. Apparently, they weren't willing to send the note paperwork on the car back, and the dealership's general manager and lawyer had to get involved in it.

Well, according to what I've been told, that dealership will no longer be sending AmeriCredit any new victims, uh, loan customers.

I was to take the car in this morning, and receive all the paperwork, a $300 check for my cash down, and my truck/truck title back.

I didn't get up to the lot until after noon, and neither my truck, check, or paperwork was ready. In fact, I came home with a signed paper saying I was to be issued a check on Monday, July 3rd and the d**n car again. They are cleaning my truck up for me, and are supposed to deliver it here in a bit, and pick the car up. I've also requested a signed statement on the dealership's letterhead stating the contract is null and void on this car, just in case AmeriCredit turns around and tries to report it as a repossession against my credit.

I will be filing a complaint against Americredit with the Texas Credit Commissioner's office. They have twice approved me, then turned around and changed their minds. I and the dealership have provided them with everything they've requested, and my income is certainly enough to make the payments. While I will hopefully have no further dealings with AmeriCredit, I don't think it's right to just sigh with relief that this matter is over with and just let them get off without doing something. Not to mention, I want something in an official record in case AmeriCredit does something in the future where my credit record is concerned.

I will update further if there's anything to add in the future. Thank you for your advice and concern.

Hi There

I have read so much that goes both ways for Amercrdit, but wanted to share with you my personal experience with them..

I financed a car with them in Sept 2002 when I did not have the greatest credit (my credit sucked) ,,,they approved me. Sure I got stuck on interest rates (18%),,,but I figured this was the price to pay to rebuild my credit.

I have paid every month online since my very first payment (47 payments thus far) and have never had a problem. I am sometimes even a little late certain months depending on when my pay falls and never had a problem. Do they call? Sure,,they want their money and I would want mine,,you would want yours! For example my payment is due on the 18th, but I wont be able to pay them until the 29th this month..but this has never been a problem. I have never run into the instance of paying and it not be credited etc....maybe thats because I always use the online service. Its free and you can track it. Maybe thats the way to go!

Now,,to be fair,,I have never had to call their customer service line nor have been 30 days past due,,so I cant speak to deferrments or their customer service. I have heard that their customer service isnt the best.

Honestly,,my credit has really been restored. Is it all because of Americredit? NO WAY!,,its taking responsibility and paying on time all my bills, but they did help. Them providing me a loan when no one else would and me paying it every month shows that Im able to hold financial responsibility again. Yes,,I bought a Dodge Neon with a sticker price of $13,500 in which I will pay back almost $25,000, but thats what I had to do to get back on track. I check my report regularly and Americredit has never falsly maked my credit wrong etc. Actually I have been late some months (10-12 days) and its reported as one time! My credit score is back over 700 when I had around 540 when I purchased the car. 13 more months to go and the car is paid off!

Now Im sure people have had problems with them,,,but I think if you are able to pay on time, every month,,and try the online thing,,you will have a pleasant experience with them like I have had. Remember they are in the business of giving high risk loans,,,and you pay for that approval via intersest rates. If you dont pay,,they will call. If you continue not to pay, they will reposess your car,,,but so will any lending institution!

I hope this helps ease your mind a little about them. Good luck and I wish you the best!

Louise, hang in there, Americredit is not as bad as some will tell. Most that have had problems, were those that paid late, reguardless of the reason. I made all my payments for the last 3 years, on their website. It was free and posted immediatly. 3 years, no problems. If you can do that, im sure you'll have no problems either. look on these reports, people have problems with all finance institutions. but the common thread is , most were late on payments. As far as repo, why would they repo someones car if they were making payments on time?. Good luck.