Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
I am formally lodging a complaint to enforce my letter of financial hardship & to report the use threats, duress and coercion against me by AMERICAN CREDIT ACCEPTANCE A letter expressing my extremely economic & financial hardship was mailed to AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX detailing the loss of employment and an offer to honor our arrangement with a much lower installment amount. Allowing me to not injure myself & AMERICAN CREDIT ACCEPTANCE to still hold its performance in this commercial contract. I am aware I have consumer rights and protections which were stated in the letter. Please review upload for details of letter. 
The company was given due time to respond which they have intentionally ignored for unilateral intent. After the stated time in my letter expired for a response I continued with the Promise, Performance and Words in my letter by mailing in a Money order for the amount on the due date which was written as an affidavit to be exact. 
I followed up with multiple calls to customer service representatives to confirm review, each time it was meet with non compliance and it could not be found despite the certified tracking number reflects delivery. 
A few days before my car was towed, I called the company with my private counsel to address the affidavit for equitable relief & the money order which was found at this time confirmed by the representative. As many times before this communication it was nowhere to be found. AMERICAN CREDIT ACCEPTANCE continues to show lack of compliance and equity unless reported. 
My car was towed without a formal response or due consideration for my letter. 
I am financially injured by all parties & was induced to perform to a reinstatement under threat, duress and coercion. I need this car to sustain life for my family, our pursuit for happiness and security. I paid {$840.00} with an additional {$170.00} tow lot fees. See uploaded document to reflect this claim. This is hindering my honor, word and performance of my letter. 
These are the individuals I have spoke and our transaction. 
XX/XX/XXXX : Spoke with ; XXXX XXXX, XXXX  Reinstatement Dept. 
XXXX XXXX, XXXX  Reinstatement Dept., advised me to email the letter I originally sent by certified mail, to : XXXX XX/XX/XXXX : Spoke With XXXX, XXXX  Collections Dept, Called to follow up on the email of the legal documents that I sent on XX/XX/XXXX to XXXX. XXXX stated takes XXXX business hours to receive and upload documents. Advised me to call back on wed. 
XX/XX/XXXX : Spoke with XXXX, XXXX, Collections Dept., transferred me to XXXX  XXXX, XXXX, collections dept, told me that XXXX goes to customer service dept which is internal and they cant speak to customers, sent email to customer service department inquiring about the documents I emailed them. XXXX also advised my to email the documents to her personal work email XXXX. XXXX personally confirmed that she received the documents. Said she will escalate the account and that I should expect a call back from AMERICAN CREDIT ACCEPTANCE the following day by end of day. I still have not received a call. 
I reserve my rights at all time and invoke all protections. I am looking for this agency to not only be intermediary but get a formal response on their performance as well as make this complaint public notice of my intent to sue for violations. 
Much gratitude for your time and attention.

Company response to consumer: Closed with explanation