Consumer complaint received 2017-06-30
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought that car before filling for bankcrupcy. At {$11000.00} in XX/XX/XXXX. I had to deposit {$1000.00} to XXXX to get a car for me and my little one. As my ex disappear and does n't gave me enough to survived I had to go to XXXX XXXX  to get food stamps. As my credit score was bad because my ex took all the money and went to XXXX I could not pay my debt. That is why I filed for chapter XXXX  bankcrupcy. <P/>I called and talked several time to American Credit Acceptance To lower the APR as I have no job and waiting for my trial next month against my ex for contempt to pay the arrears of alimony and child support. <P/>
The company told me they ca n't do anything to help me and will repossess my car if I do n't pay!! They always send me letters about repossession. How can you help me? Please to stop them and lower the APR and get lower amount each month? Please.

<P/>The worse is that I paid more than {$7000.00} just in INTEREST.!!! I could had paid my car by now. I really need help please. You can see below also all the payments I made while struggling. <P/>
Thank you!!!

<P/>XXXX Here all the info about me and the company. <P/>Borrower : XXXX XXXX Home Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Vehicle Make : XXXX Vehicle Model : XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) XXXX Contract Detail : Payment Information : XXXX per month APR : 24 % Payment Amount : {$360.00} Bal as of XX/XX/XXXX :  {$10000.00} Late Charges : {$140.00} Other Charges : $ XXXX Days Delinquent:9 Total due amount : {$900.00} as of XX/XX/XXXX Account Information as of close of business : XX/XX/XXXX View Account Information by selecting any of the options below : Welcome XXXX XXXX Account Summary Account Payment History If your account was not originally funded and/or serviced by ACA LLC your payment history may only reflect those made to ACA LLC . <P/>Show Transactions for : Calendar To Calendar Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total XX/XX/XXXX XX/XX/XXXX XXXX  ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXXLate Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Late Fee Assessed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Payment Received. Thank you! ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation