Complaint Review: Americredit - Internet
- Americredit Internet United States of America
- Phone:
- Web: www.americredit.com
- Category: Collection Agency's
Americredit I want to start a class action lawsuit against Americredit! who is with me! Internet
*Consumer Comment: Same story for me
*Consumer Comment: Americredit Class Action Lawsuit
*Consumer Comment: Sue Americredit!!!!
*Consumer Comment: Class Action Lawsuit
*Consumer Comment: I Want to Join Your Lawsuit
*Consumer Suggestion: LORA, Stay off the phone!! And learn your rights!
*Consumer Comment: FYI
*Consumer Comment: I want to join your Class Action Lawsuit-Americredit
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Hello! I want to start a class action lawsuit against Americredit. In November 2008 I had fallen behind in my payments, and I had made an arrangement with a collector to pay my fees and get back on track for January's payment. Americredit came and repo'd my car, in the middle of the night, without my knowledge. When I called Americredit, they couldn't find any 'record' of such agreement with any collector there on a payment plan. I found my proof, and paid my fees and went to get my car back. I called Americredit find out where my car was, they told me, and when I went to go get it, it was already sent to Auction in Phoenix! (I live in Tucson!). I had to get a friend who lives in Phx to go get my car out of auction before they sold it. They are lying crooks! They will say anything to you, then deny saying it later! No integrity! And they are rude and harassing! They have called me up to 20 times in one day! I am pretty sure this is illegal?
Then, I paid off my car in October 2010. I had received a small inheritance check so the first thing I wanted to do was get this horrible company out of my life! So my bank had put a hold on the check for 10 days. I called Americredit 10/8/10 and said, my payment is due Friday 10/15/10 and I want to pay you guys off. My funds will not be released until Monday 10/18/10. I said, should I make my payment now and then call you back at the end of the month to pay you off? The rep said, no that will not be necessary. Just make me a post dated check right now for 10/18/10 for the pay off and I will make notes in your account. Your account will stay in good standing and everything will be just fine. Dont worry.
DONT BELIEVE THEIR LIES!!! So I said to the rep, are you sure? I am buying a house next month, and I cannot have anything happening to my credit--at all! She repeatedly assured me that everything would be just fine--but I HAD TO give her a post dated check that DAY. Ok, so I did. On 10/18/10 They pulled the funds from my account.
I go to close on my house 11/10/10, and Americredit, on 10/27/10, placed a '30 day past due' mark on my credit, which lowered my credit score 37 points which then made my FICO too low to close on my house! So my loan officer, and myself call Americredit to do a conference call. We speak with call center 'supervisor' Johnny Gonzales and ask him why would Americredit to this to my credit when I was specifically following the Credit Representative's promise and directive to me? She told me they WOULD NOT post anything to my credit, even though they received payment one business day late. Johnny said he refused to pull my call from 10/8/10, he refused to speak to the rep who made the arrangement with me and he refused to remove the '30 day mark' off of my credit. He said, Ma'am, you were late. I said, please can you do this as a one time courtesy for me? You are costing me a closing on a home? He said NO. I said, why not? He said, 'because I dont have to.' I said, 'You need to stand by what your rep told me. Your reps just cannot go around making promises then your company doesn't stand behind them. Thats acting out of integrity, at the very least.' He said, I refuse to.
So not only do they LIE, HARRASS, CHEAT, BULLY, act out of INTEGRITY, but they do ILLEGAL activities. Americredit posted a negative mark on my credit report, 9 days after they had my payment for my car, paid in full! I said, why would you do that? He said we don't show that we received your funds until 11/8/10. I faxed them my bank statement showing payment in full on 10/18/10. He said he didn't care.
So, does anyone know if this behavior is illegal? Does anyone want to try to do a class action lawsuit against them? Please let me know and lets get this ball rolling!
Not only did they harrass me for five years and lie and cheat me and do illegal things to me but I think they are setting scary precedent by being able to go and make arbitrary negative remarks on client's credit reports just because they feel like it or want to because they don't like their client. A client has the legal right, in my opinion, to believe that once you have paid off an account, and close your account down, you should have a protection against retaliation later on where the company and/or its employees can go and put stuff on your credit report just because they want to.
Americredit went in, illegally, and posted a negative remark on my credit report, 9 days after I had closed down my account with them!!!! If this isn't illegal, it should be and I want to sue them.
Just because I had to sign up with Americredit due to credit issues in 2005, doesn't give this company the right to TREAT ME WITHOUT RESPECT, DIGNITY AND LEGALLY. And if the current consumer credit laws do NOT protect me from predators such as this company, then I plan to change that!
Thank you!
This report was posted on Ripoff Report on 11/12/2010 06:45 PM and is a permanent record located here: https://www.ripoffreport.com/reports/americredit/internet/americredit-i-want-to-start-a-class-action-lawsuit-against-americredit-who-is-with-me-661404. 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. READ: Foreign websites steal our content
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#8 Consumer Comment
Same story for me
AUTHOR: Ken1313 - ()
SUBMITTED: Monday, September 23, 2013
I have the exact same story as you. I made my last payment to Americredit/GM Financial, and they told me I still owed them $1100.00. WHAT??? I called customer service and was transferred to 3 different people...the fiurst two gave me different storiues...one said it was interest (impossible) and the other said it was late fees (also impossible), the third person stuttered and stammered and put me on hold..then the line went dead. These people are crooks and I am filing a dispute with th eBBB, but count me in for any Class Action Lawsuit against these predators.
#7 Consumer Comment
Americredit Class Action Lawsuit
AUTHOR: Jeffery Sealing - (United States of America)
SUBMITTED: Monday, May 14, 2012
That's great news! I still only have about 9 names for this lawsuit, so just one more name would be great. Although, if 20-100+ want to join, welcome to those as well.
#6 Consumer Comment
Sue Americredit!!!!
AUTHOR: Anonymous - (United States of America)
SUBMITTED: Monday, May 14, 2012
I would also like to join in your lawsuit. Americredit should not be allowed to continue to defraud and rip off their customers.
#5 Consumer Comment
Class Action Lawsuit
AUTHOR: mika - (United States of America)
SUBMITTED: Thursday, May 03, 2012
I would like to join your suit. I have disputed my very last payment and they refuse to sen me my payment history
#4 Consumer Comment
I Want to Join Your Lawsuit
AUTHOR: Jeffery Sealing - (United States of America)
SUBMITTED: Thursday, May 03, 2012
If you're still interested, I have a attorney that will do the lawsuit because of a related issue, see posting above number 845029. The more the merrier according to my attorney, but out of the 100 or so affected by this related issue, only 4 want to do anything about it. It involves 1099-C forms filed with the IRS for something over a decade ago that happened with this company.
#3 Consumer Suggestion
LORA, Stay off the phone!! And learn your rights!
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Friday, December 24, 2010
LORA,
The first thing I have to say is in regard to the "class action lawsuit". This is the first statement that tells people you are uneducated. I guess it has a good ring to it, so people just spout off with it. The consumer never wins in a class action lawsuit. Never.
Second, cars only get repossessed when payments are late. Make your agreed upon payments on time and you will have no problems. Guaranteed.
Third, STAY OFF THE PHONE!! Phone calls do not protect your legal rights! Do everything in writing, even if only by email, but you have to have a record of all communications. Just common sense here.
You set yourself up by calling in and talking to a moron regarding the final payment.
You should have just made your normal scheduled payment, then when you had your other money in hand, then a call for payoff should have been made. Again, just common sense here.
As far as the negative credit reporting goes, you are wrong, or lying.
A late payment can only be reported to the credit bureaus if it is 30 or more days late, and many banks report quarterly, so you would not have even seen it for at least 3 months. It simply did not happen the way you told it. Guaranteed.
They may have marked you as late in the bank's system, but that is only for internal use such as account review and fee generation.
In either case, please stop screaming class action lawsuit, as it just makes you look stupid.
#2 Consumer Comment
FYI
AUTHOR: Stacey - (U.S.A.)
SUBMITTED: Thursday, December 23, 2010
The only person (people) who benefit from a Class Action are the attorneys. Please research this before you start screaming Class Action Law Suitbecause you will be the loser in this situation.
I suggest you talk to a Consumer Attorney to see if you have merit for a case. Good luck.
#1 Consumer Comment
I want to join your Class Action Lawsuit-Americredit
AUTHOR: Donna - (U.S.A.)
SUBMITTED: Thursday, December 23, 2010
I can say that I have a bit different situation with Americredit, but they lie, they have changed the story 5 times now why I owe them fabricated monies. I have just made my final payment of 72 and paid all of my late fees, paid all of the fees to get the deferred payments. Americredit however has somehow made up unimmagineable amounts of monies that are accruing daily. Over a year and 1/2 ago, I wanted to pay off my vehicle and was told by many people that too bad, you have to pay the interest thru the full term of 72 months and I could not get out of it. Now to top it off, they just got their 72 months payments, they have managed to add monies changing the story saying that now it is principal!!! How is that? It's fabricated. I hope that millions of viewers can and do see these stories of what Americredit is and what frauds they are and how they can do and do do scam monies. They need to be stopped!!!
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