Consumer complaint received 2023-05-02
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX  was completely total by a XXXX XXXX who kept backing up and hitting the XXXX  this was all on video, my XXXX XXXX XXXX bad off the XXXX. with through the motions, then i went XXXX in XXXX XXXX i was approve through this company call American Credit Acceptance on XXXX for a XXXX XXXX XXXX interest rate was only going to be XXXX i left with the vehicle on XXXX and notice that the driver tire was damaged and the rim and the front bumper was not right took this vehicle back the next day XXXX after sending the photos to the car sales man that sold me this vehicle, then they called on me i came in and sure enough the tire was bad and they told me the rim was damaged they had to order and the front bumper as well then the tech came out and said the XXXX XXXX transmission fell out, i was argery and i wanted my money back. so the XXXX  XXXX manager came out and said here is my top assistance manager to help me and to give them a chance to make things right so they showed me a XXXX XXXX with XXXX miles on and cave it to me at the same price and interest rate, they gave me the papers and i said i did not sign any thing then when i got the paper work in my email the short version they robo copied my signature and being in IT this is a security and fraud, i went back and confronting them and they said to bad i am stuck with the car and i notice the interest rate was 28 % making the vehicle XXXX a month for 74 months and i was like what i put XXXX down on the 1st car it transfer to the XXXX XXXX so now i am stuck. I have paid on this vehicle for two years and payments have not dropped it was like i was paying only the interest only i called American Credit Acceptance and they were like to bad. then the unforeseeable happened XXXX XX/XX/XXXX i lended up at eXXXX XXXX XXXX as a code 1 I was diagnosed with stage XXXX XXXX unspecified they found a XXXX in my back XXXX was done i was still in the hospital i called American credit acceptance and told them i could not make anymore payments and if they can deliver payment for at least two months and they said no they were rude to me and i told them i have stage XXXX XXXX they told me they did not care my last payment to them was XX/XX/XXXX they kept harassing me sending nasty emails etc. I told them several times to big up the car instead they have been making my life a living XXXX telling i will go to jail, they will break into the house if i cant pay and i was like come get your car till this day they have not come to get the XXXX XXXX XXXX XXXX XXXXXXXX XXXX  line but they keep saying XXXX XXXX passat so i my concern was this car vin number wrong?? but i had to change my number i could not take it anymore with me having XXXX XXXX, doing XXXX, XXXX XXXX nothing but harassment sending emails every day... so i was looking for a consumer lawyer and her name was XXXX XXXX [ XXXX ] the XXXX XXXX XXXX in XXXX, IL ... i told her what was going on and she emailed me on what to do she said this XXXX XXXX XXXX has over XXXX major law suits committing fraud and are predatory lending and to see if i can reach out to the Georgia Attorney General for assistance with this issue as well. my grandson left college in CO gave up his scholarship for football as well to come take care of me my life space from XXXX XXXX is 5 yrs with treatment and possible remission XXXX XXXX is not curable. I have XXXXXXXX XXXX  XXXX working on my ssd and ssi we are at XXXX XXXX to go before a judge so i can be approved my file has been pushed to the front of the list.

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