Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
FORMAL DEMAND LETTER NOTICE OF BREACH, WRONGFUL RETENTION, AND DEMAND FOR CONTRACT TERMINATION Date : XX/XX/XXXX To : American Credit Acceptance , LLC Re : Account XX/XX/XXXXXXXX Vehicle : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate relief and notice of serious legal violations arising from your companys handling of my vehicle repossession, reinstatement, and continued interference with my ability to use my property. Your handling of my entire repossession after XX/XX/XXXX was illegal. My contract with XXXX has been violated byXX/XX/XXXX. The contract is void because ofXX/XX/XXXX actions. TO THIS VERY MOMENT, I STILL DONT HAVE ACCESS TO MY CAR. On or about XX/XX/XXXX, my vehicle was repossessed. In the letter it says, We have your vehicle because you broke promises in our Agreement. On XX/XX/XXXX, I paid the required amount to reinstate my loan, including payment for the return of my vehicle and a replacement key. NOW, XX/XX/XXXXHAS BROKEN PROMISES IN OUR AGREEMENTYOU GOT YOUR DUE, NOW I WILL GET MINE. Since XX/XX/XXXX, I have not had functional access to my vehicle. Your company has engaged in the following conduct : Failure to Provide Access to My Vehicle : Despite payment in full to reinstate, I was not provided a reasonable or accessible way to retrieve my vehicle. I was effectively forced to plead for assistance to avoid traveling fromXX/XX/XXXX to XX/XX/XXXX to recover it. Unreasonable and Obstructive Conduct : Rather than facilitating return, your company created unnecessary barriers, delays, and confusion that prolonged my lack of access. Return of Vehicle in Unusable Condition : When the vehicle was eventually transported back to XX/XX/XXXX on or about XX/XX/XXXX, it was delivered without a working key, rendering it completely unusable. Failure to Provide Paid-for Key : I paid {$230.00} for a replacement key, which was not provided upon return. Wrongful Retention of Property : From XX/XX/XXXX to present, your company has effectively deprived me of the use of my vehicle despite payment, constituting wrongful retention and interference with my property rights. Loss and/or Disposal of Personal Property : Personal property associated with my vehicle has not been returned and is presumed discarded. The car, by just sitting, has become in need of services that you can provide, but XXXX XXXX has refused to do anything else but a key, in spite of MULTIPLE requests. Severe Financial and Professional Harm : Due to your actions, I have been forced to give up at least XXXX job opportunities and have been unable to continue seeking employment in my field, which requires reliable transportation. This has directly impaired my ability to meet financial obligations, including payments to your company. XX/XX/XXXX KEEPS ADDING UNKNOWN FEES TO MY ACCOUNT Your conduct goes beyond poor customer serviceit reflects a material breach of contract, negligent handling of a repossession reinstatement, and unfair and deceptive business practices that have caused substantial financial harm. At this point, it is clear that your company believes it can perform the bare minimumsuch as offering only a keywhile ignoring the full scope of damage caused. That position is COMPLETELY unacceptable. Even though the XXXX, XXXX XXXX, has been copied on all of my correspondence toXX/XX/XXXX, he refuses to speak to me and XXXX XXXX gets nothing done. It took himXX/XX/XXXX days to send it to the shop when I recommended that, because it had to be his idea first. DEMAND FOR RELIEF I am demanding the following within XXXX business days of receipt of this letter : Immediate reimbursement for all out-of-pocket costs, including but not limited to : {$230.00} key replacement fee Battery replacement, maintenance, and related expenses caused by prolonged non-use, oil change, wipers Registration, toll ( XX/XX/XXXX ), tags, inspections, and administrative impacts I paid XX/XX/XXXX, but the repo yard threw away all my property, including irreplaceable property. If they sent the release to the repo yard in time, my property wouldn't have been thrown out. Their policy was to throw away after XX/XX/XXXX days. XX/XX/XXXX would've been the XXXX day. The car suffered in cold weather in XX/XX/XXXXjust like I did inXX/XX/XXXX Monetary compensation for loss of use and lost income opportunities, including the loss of at least XXXX jobs directly resulting from your failure to provide access to my vehicle. XX/XX/XXXXpolicies have caused me SEVERE undue stress and, needless to say, it's XX/XX/XXXX AND I AM STILL WALKING. Full review and written confirmation of contract termination options, including cancellation of my loan obligation due to your companys material breach and misconduct. Written explanation regarding the handling and disposition of my personal property. NOTICE OF ESCALATION If this matter is not resolved within the stated timeframe, I will proceed immediately with : Filing formal complaints with the Consumer Financial Protection Bureau Filing complaints with theXX/XX/XXXX Office of Attorney General and theXX/XX/XXXX Attorney General Initiating legal action to recover damages for breach of contract, wrongful retention of property, and loss of income This letter serves as a final opportunity to resolve this matter before escalation. I am fully prepared to pursue all available remedies. And judging by your current XX/XX/XXXX complaints, I will get an attorney. It seems like you have a theme of screwing your customers. Im not the one. All XXXX had to do was make this situation right, but he did what he wanted to do and took his sweet time to do it. COMPLETELY UNACCEPTABLE. Not to mention the 18 % you want on the loan. THE XXXX DOESNT CHARGE THAT MUCH. Ive argued with you all for too long, you dont care and I STILL DONT HAVE MY CAR. This has been pure abuse by XXXX and YOU violated the contract. What do I get to come and repossess?????????????????????? I've dealt with XXXX XXXX since XX/XX/XXXX. Nothing has happened to help me. XX/XX/XXXX is ignoring me and my requests for a solution. He's done nothing but try to get me to go away. If I was in XX/XX/XXXX, I'd be at their office IN PERSON. I no longer want to do business with XX/XX/XXXX because look what they've done to me and my family already! Sincerely, XXXX XXXX XXXXXX/XX/XXXXAttorney General, XXXX XXXXXX/XX/XXXX Attorney General, XXXX XXXX Sunday, XXXX. Consumer Financial Protection Bureau Better Business Bureau

Company response to consumer: Closed with explanation