Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXXmy AMERICAN CREDIT ACCEPTANCE  complaint details On XXXX XXXX I purchased a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   and American Credit Acceptance is the lender that I financed the vehicle with whom covered the full purchase price of the vehicle  that the dealership was selling the vehicle for which was XXXX no tag, title or tax included for I was responsible for that with the state of Texas American Credit Acceptance reported my auto loan number XXXX on my credit report on XXXX XXXX in the amount of XXXX then updated the financed amount on XXXX XXXX XXXX XXXX  with all 3 Credit Bureaus XXXX XXXX XXXX XXXX the dealership JXXXX XXXX XXXX XXXX  received full payment XXXX XXXXor vehicle from American Credit Acceptance the dealership XXXX XXXX XXXX XXXX mailed the title to my mailing address XXXX XXXX XXXX XXXXTX XXXX once I received the title in the mail I paid to have the XXXX XXXX XXXX Texas Vehicle Inspection, Title and Tag registered in my name my Texas Tag number is XXXX with the state of Texas where I reside and listed American Credit Acceptance as the lien holder whom my auto loan numbeXXXX XXXX was with my first loan payment was set for XXXX XXXX XXXX in the amount of XXXX but on XXXX XXXX American Credit Acceptance restricted my account and prevented me from making any form of payment towards my loan balance on XXXX XXXX has reported a balance of XXXX on my credit report to XXXX XXXX XXXX XXXX I contacted American Credit Acceptance  customer service at XXXX on XXXX XXXX because when I logged into my ACA portal account to make my XXXX XXXX loan payment it showed that my loan was closed and paid in full with a XXXX  balance and saw that a principle curtailment payment of XXXX  was made on XXXX XXXX XXXX towards my loan account XXXX satisfying my loan amount owed I asked who made the payment to my account and the customer service rep said it was XXXX XXXX XXXX XXXX that made the payment towards my account without my authorization and consent I then requested for a lien release which the American Credit Acceptance rep refused and said that they could not give to me I then responded back to the rep by asking who name is listed on American Credit Acceptance Loan number XXXX the rep replied you are listed as the account owner then I asked then why are you refusing to provide me with a lien release or non interest letter the rep hung up the phone I called back on XXXX XXXX XXXX this time I was inform that my account was closed because has been paid off and that American Credit Acceptance no longer has interest in the vehicle because XXXX XXXX XXXX XXXX contacted American Credit Acceptance whom my auto loan is through without my Authorization and consent and requested to buy my loan and American Credit Acceptance did so without notifying me or contacting me for my loan agreement was solely between American Credit Acceptance and myself XXXX XXXX XXXX XXXX and nobody else I then informed the American Credit Acceptance rep that I have the vehicle still in my possession that the XXXX XXXX XXXX is Titled and Registered in my name with the Texas Department of Motor Vehicles the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that the Texas Title number is XXXX with American Credit Acceptance listed as the lien holder dated XXXX the customer service rep then asked if I still had the car and I replied that is what I just told you then she put a supervisor on the phone who said that they can not give me any documents nor a non interest letter that they can only tell me VERBALLY and I told the supervisor that I was recording the phone call and she the supervisor stated that American Credit Acceptance is sending the Title and Lien release of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I replied telling the supervisor that if they do that American Credit Acceptance will be violating State and Federal Laws because the Title is in my Name not XXXX XXXX XXXX XXXX and that if the dealership signs my name on the Title that would be criminal and fraud and that I have contacted the Texas Department of Motor Vehicles and informed them of what was going on the supervisor responded back by saying She does not care and that to have the Texas Department of Motor Vehicles to call American Credit Acceptance and they will tell them the same thing that they told me that the loan is paid in full and that they will not give me a lien release, non interest letter or the title because they have sent it to XXXX XXXX XXXX XXXX  I replied that American Credit Acceptance have done so without my consent or Authority and have violated state law and that this vehicle is still reporting to my credit report and the supervisor hung the phone up XXXX  hours later I get a email notification from XXXX saying that American Credit Acceptance account has been removed from my credit report  so I contact XXXX  customer service to dispute the removal of the account because it made my credit score drop and that the American Credit Acceptance loan account XXXX  on my credit profile should reflect paid in full on my credit report and should not be removed the XXXX  specialist tried to reinstate my ACA account number is XXXX  to my credit profile but was unable to and informed me to file a complaint with the Texas Attorney Generals off and a complaint with CFPB to resolve the issue to get the account back added to my credit report showing paid in full instead of account being deleted I have provided all documentation to prove my complaint I also have XXXX  recorded phone conversation between me and American Credit AcceptanceXXXX XXXX XXXX XXXX XXXX complaint On XXXX XXXX I purchased a XXXX XXXX XXXX vin number  XXXX XXXX XXXX XXXX XXXX XXXX that had a sell price of XXXX total the car salesman asked me how did I want to put down I said XXXX  down he went to the back for 10 minutes an came back and had me sign a paper that had the vechicle sale price of XXXX monthly note payment amount XXXX and down payment amount XXXX had me sign an date it XXXX then he left again an went to the back for XXXX  minutes now im getting over XXXX  notifications how many times my credit is being pulled he then comes back an says got an approval but will need XXXX down which would mean the amount that would be financed from American Credit Acceptance would be XXXX just to find out later that American Credit Acceptance financed and covered the full XXXX price of the vehicle but on my welcome letter loan statement from American Credit XXXX and later that XXXX XXXX XXXX XXXX XXXX tried to upcharge me XXXX in FEES AN SERVICES that I did not request or ask for and did not need I was responsible to pay for the Tag, Title and Tax fees with the state of Texas since that is where I reside and live and where the vehicle will be titled and registered  in my name I only agreed to purchase the car for the listed selling price of XXXX and not no other fees or services that did not have anything to do with the price of vehicle the financial institution AMERICAN CREDIT ACCEPTANCE who financed the vehicle told me when they called me XXXX  weeks later from this number XXXX and that they covered the FULL PURCHASE PRICE OF VEHICLE XXXX XXXX XXXX XXXX reported that amount to my credit report on XXXX XXXX XXXX and that my first payment of XXXX would be on XXXX XXXX one month later I get call from XXXX XXXX XXXX XXXX XXXX saying that I OWED them XXXX but I responded by telling them what AMERICAN CREDIT ACCEPTANCE had told me over the phone that they covered the listed selling price of the vehicle which was XXXX but sent the dealership a payment of XXXX more than what the XXXX XXXX XXXX XXXX XXXX XXXX was selling for which is the same amount reflecting on my credit report on XXXX XXXX I asked what would the XXXX0 be for since I paid the Tag, Title and Tax fees when I put the tag and title in my name with American Credit Acceptance as the lien holder in the county of XXXX  in the State of Texas and the Texas DMV mailed the new Title in my name XXXX XXXX XXXX XXXX  to American Credit Acceptance then XXXX XXXX XXXX XXXX said that XXXX was for WARRANTY PROTECTION SERVICES, XXXX  and XXXX XXXX and I what services an that I do not need that nor did I even ask for that I have no knowledge of any of those plus the dealership did not perform any of those things because a XXXX down payment would mean a XXXX finance amount and not XXXX  the dealership was selling the vehicle for which was listed at XXXX and shown that to me even on the sale contract vehicle selling price is XXXX no tag, title or tax included for I was responsible for that with the state of Texas which I paid when I registered the car in my name and listed American Credit Acceptance as the lien holder on XXXX  American Credit Acceptance informed that my account was closed because my auto loan has been PAID IN FULL and that XXXX XXXX XXXX XXXXXXXX contacted them without my authorization or consent and requested to pay my auto loan off and my finance company American Credit Acceptance allowed the dealership to make the payment over the phone and applied the payment of XXXX directly to my XXXX  loan portal account number XXXX without my knowledge or consent or permission on XXXX the vehicle has already been registered and titled in my name Texas Tag number XXXX that expires XXXX and Texas Title number XXXX with my name XXXX XXXX XXXX XXXX as OWNER and AMERICAN CREDIT ACCEPTANCE list as lien company XXXX  now XXXX XXXX XXXX XXXX had no reason to contact my finace company because they have already been paid the selling amount of vehicle by American Credit Acceptance I recieved a email from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX say that they filed a UNAUTHORIZED USE OF VEHICLE the email on XXXX XXXX XXXX XXXX central time stating the following in the email subject line XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this in the body of the email \n\nWe have made numerous attempts in good faith to contact you in an attempt to collect a debt. Your refusal to reply indicates you have no desire in satisfying your debt. Inasmuch, please contact us no later than XXXX XXXX XXXX XXXX XXXX. If we do not hear from you by XXXX XXXX XXXX XXXX XXXX, you will no longer be authorized to use our vehicle and we will file a police report in XXXX XXXXy for unauthorized use of a motor vehicle.\nPlease contact our office. Thank you.\n\nafter I received that email I flagged down a police officer and asked how can XXXX XXXX XXXX XXXX do anything when the title and tag is in my name  as owner of vehicle the officer ranned my vin number and license plate and told me what the dealership is doing is Deceptive and that the vehicle is in your name and that the dealers name is no where listed as owner of vehicle an if XXXX XXXX XXXX XXXXY filed anything that would be considered a false report that email was followed XXXX  text messages from the dealershipI contact American Credit Acceptance on XXXX so that I could make my XXXX  XXXX  loan payment but my ACA loan was was paid in full and closed out and on XXXX I called an requested a Lien Release or a Non Interest Letter from American Credit Acceptance which has refused to provide that to me but stated that they could Acknowledge and tell me verbally that American Credit Acceptance no longer has any interest in my financed vehicle XXXX XXXX XXXX XXXX XXXX XXXX that has a Texas Title number XXXX and that my AMERICAN CREDIT ACCEPTANCE auto loan number XXXX was PAID IN FULL by XXXX XXXX XXXX XXXX without my consent or authorization I logged into my American Credit Acceptance portal and the payment was posted to my account as if I made the payment on XXXX I was not notified nor contacted by American Credit Acceptance of anything until I contacted them when I logged into my account to make my XXXX XXXX but saw that it was paid in full I have all documentation to prove my complaint I also have 10 recorded phone conversation between me and American Credit Acceptance and I am also still in full possession of the XXXX XXXX XXXX and did not authorize nor gave consent to XXXX XXXX XXXX XXXX  to purchase my loan and on XXXX XXXX XXXX XXXX XXXX contacted XXXX, XXXX XXXX XXXX and had my AMERICAN CREDIT ACCEPTANCE account XXXX removed from my credit profile when the account should reflect PAID IN FULL'

Company response to consumer: Closed with explanation