Consumer complaint received 2022-10-29
Company: American Credit Acceptance, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Took out a car loan in XX/XX/XXXX with American Credit Acceptance not fully aware of the history of the company or gainful knowledge that the rate of 21 % with a credit score at that time of a XXXX was astronomical. Unfortunately, unforeseen circumstances took place that hospitalized me from XX/XX/XXXX to XX/XX/XXXX. Upon discharge I contacted the bank immediately, making them aware of the circumstance and requested options of what could work in both of our favors and nevertheless there weren't any options available to me. Due to the hospitalization, I couldn't attend work as I intended so all I could do was make ends meet but by XXXX my car was REPOED! I never received a phone call, email correspondence Anything stating this could happen. Never experiencing this process, I was not sure what or where to begin so I reached out to an organization that was kind enough to help me out of this mind. As a woman of XXXX, upon arriving to XXXX XXXX 's lot which was the company that towed my car I could feel the airiness of gentlemen 's not so kind thoughts that I was in his establishment not only 20 minutes late but prepared with questions of why I was being charged {$600.00} for a metal key that didn't safely allow me to alarm my car when exiting it. At that time, he snarled and told me I could get the **** out of his place with all the questions and come back when I was ready to pay the {$600.00}. I kindly walked out the front door and contacted ACA to ask why I would be sent blindsight and I was advised that the key was supposed to only be {$240.00}, and they requested that the fee be waived. Besides asking to waive the fee XXXX  didn't have any other information besides, they don't deal with that XXXX XXXX directly and contact the company that does. Following that advisement, I did get an apology from the company that dealt was XXXX but that wasn't acceptable behavior. Finally getting into the swing of things I began making payments not always on time but making my finances work for me. I began to have a heavy feeling that there were overpayments somewhere that were never credited. Logged on to portal and EVERY payment I posted than had a reversal payment as though I've been reimbursed. Inquired to the agent, and she stated that's how they rectify billing but that didnt make sense to me. Extremely adamant that I have been taking advantage of. No one can explain to me why my payments look so out of sorts and why in XXXX upon checking the portal it stayed my next payment wasn't until XXXX. The only reason I could think of is because I was correct on I made to many payments. SO I did just that I made a payment on XX/XX/XXXX. BUT ON XX/XX/XXXX my car was REPOED again?!? Just as before no phone call, no email no correspondence they just take my car! I logged into the portal just as before and it stated I was 3 months behind! But I don't see how I went from a balance of XXXX due in XXXX to owing 3 months in XXXX and REPOED... Please Help! Moreover, constantly American Credit Acceptance reports to the credit bureaus inaccurate reporting 's, have reported my account as closed with serious delinquency 's and then reports to another credit bureau that I have on time and great payment history. I am totally beside myself

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