Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
XXXX XXXX I had a good feeling on my way to XXXX thinking I was going to get what I was looking for and what fit my needs. The customer service was great over the phone. XXXX XXXX I had a good feeling on my way to XXXX thinking I was going to get what I was looking for and what fit my needs. The customer service was great over the phone. When I when I arrived and pulled in the parking space was very narrow very compacted ; it was very crowded people were everywhere I told the receptionist I had an appointment. Shortly after a Salesman came and seated me he gave me a laptop ask me to fill out some general information and asked me to fill out paperwork and start looking for my car of Interest he took my paperwork to the finance team we then waited and waited and waited he came back and asked questions about my income I had all proof of my income I explained to the salesperson I was injured on my job I was electrocuted and that I have permanent nerve damage and that I can no longer work and that XXXX of the key features that I would like to have is touch screen the salesman then went to the finance company and went back to me money was not an issue with me I had money down I came in their location to get a vehicle not to get XXXX and that's what I got I was told I had to pay off the vehicle that I came with in order for me to get a vehicle I was trading a XXXX XXXX XXXX XXXX when it was time for me to go and look at what I thought I had maybe multiple of cars to look at it was only XXXX car for me to look at I was very puzzled inside I was very disappointed there was another car beside it I was told oh that's not for you that's for someone else at the time I really needed a vehicle I specifically said what I wanted my car note to be there were unnecessary things added on such as XXXX that I didn't need that made policies and car payments add up to go higher in the process I continue to keep putting money down and was still told the more you put down that's still not going to help you for the amount of this car which is a XXXX XXXX XXXX in the car payment that this car is a month I should be driving a XXXX for a XXXX I will never ever purchase a vehicle from XXXX ever this place is the worst I've ever seen they may have a big selection in cars they may sell you a dream but that's all it is is a dream because all they do is take your money and you're left with a High car payment since purchasing this vehicle this vehicle only has it's been cutting off but who sells a customer a lemon having to purchase a battery within just a year of purchasing absolutely ridiculous and there's no need to explain there's no need to call them because they're not going to do anything about it say they're sorry they will not help you never again in a XXXX. The bottom line is they took advantage of someone that is on XXXX XXXX and who is XXXX they jacked up the price on a vehicle talk with the bank the bank hack with the price and the interest and agreed on a basic vehicle that has no specific features now a customer which is me is left with a high loan and a high car note that I'm struggling to pay monthly out of XXXX chick a month I couldn't even trade it if I wanted to the average value for this car is between XXXX and XXXX and when you take a look at it I owe {$23000.00} it's unreal it's unfair

Company response to consumer: Closed with explanation