Consumer complaint received 2018-04-24
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made a payment to American Credit Acceptance on XX/XX/2018 at XXXX prior to their company opening. At this point I was 77 days past due, and they have always accepted partial payments via XXXX XXXX and as long as the payment covers 30 days and brings the account below 75 days past due their company policy which I verified is still in tact is to remove the customer off the repo list immediately to submit this request. I did not call this time when I made the payment because during the normal course of business they would see any auto pays customers drop and post to the account accordingly, however they left my account on the repo list and the repo rep from XXXX XXXX XXXX that they contracted with still came to my home and attempted to repo my vehicle WITH ME IN IT BACKING OUT. This XXXX repo man hooked my vehicle when I was in motion, thats totally illegal in my state. Not to mention this man sat in my yard with me still in my vehicle for almost 4 hours, prevented my from picking my child up from school and any members of my home from leaving. I have a XXXX parent who needs attention and care around the clock, my mother who is also a senior came outside and told the man she would pay him, he just stated no sorry Im taking the vehicle. I refused to get out of my vehicle the entire time while on the line with American Credit Acceptance executive offices speaking with XXXX who coldly told me there was nothing he could do I need to give up the vehicle and they wil turn around and give it back to me as soon as the payment I already made posts to my account and brings me to 50 days behind. Completely unacceptable and in humane and down right humiliating. My daughters friends walked home from school crossing our yard and jumping over the hook as he was blocking traffic completely on one side causing the kids to have to cross in front of his vehicle all the way in the street or in my yard in between the car. Well eventually neighbors called our local police department and IMMEDIATELY when the police officer arrived he advised the man to drop my vehicle due to safety issues thats not a legal repossession in the state hes in you can not have a car hooked with the person inside the vehicle. I stepped out of my vehicle, they man dropped my car and drove away from my home without the vehicle. This company had the audacity to place REPO fees on my account for a REPO that did not occur. I am obtaining a police report for that day as proof that my car was not repossessed and has not been since and these fees are completely unjustified and this company is attempting to defraud money from me knowing my current situation. This company is EVIL and I am working on seeking legal counsel to sue this company for all unnecessary harassment contacting me 5-7 times daily at my cell number, not leaving messages, refusing to work with me after agreeing to work with me in previous calls. This company is highly predatory and I have had nothing but problems from them since the very beginning. I want this company to remove any and all repo fees from my account because that Is totally false no repo ever took place. The times this company reposessed my vehicle I paid the fees with no problem, but in this case a repo did not occur and I REFUSE TO MAKE ANY further payments to this company until a real executive resolves this as well as every other issue with this car loan.

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