Americredit

About a third of the loans funded by your bank to Prestige AutoMart 1175 State Road, Westport, MA 20790 are based on false, doctored customer pay stubs, inflated with your company's awareness. It is unfair to the rest of us dealers attempting to make a living the legal way. If this is not corrected within the next 30 days, I will bring the proof to the proper authorities.

I want to make a payment but I can't find the make payment link, so don't go calling my work. I'm not there. When I figure this out or if you can make it easier let me know by email. I don't like the Vnew System.

The loan on a previously owned Uplander mini-van was financed for just over $20,000 that was to be paid at just over $540.00 for 69 payments, which would put the financing at over $37,260. There were 3 deferments on the loan and late payments, which were paid, but at the end of the loan, they called two months before the loan was paid, and said an additional $2,800 was owed on the van. The computer said the payoff was around $1,800, which I thougt was wrong, due to all that had already been paid.

Where did that extra thousand dollars come from? They said it was interest on 2 months before we could pay the van off. There was no help from them in anyway. I was told that I could let it get repossessed, and sent to auction, and pay the difference from what it sold for. What a joke! I ended up paying almost $40,000 for a pre-owned vehicle that I financed for just over $21,000. Boy, did Americredit get their money, and from what I hear, this is general practice. If the goverment wants to get so involved in the running of this country. I let them give the people some real help against companies that rip off people so blatantly. I believe in making a profit, but this is greed, and way over the top. I will tell everyone I know not to ever use Americredit.

This company approved my car loan and I drove off with car of which I had to take a bus to go pick up two in half hours away from where we live. Mike Shaw Toyota called and said, "loan was approved come and get vehicle." I did and had an 1:00 appointment and I was there till 10:00 p.m. No plates have been sent and it has been one in half months, not 20 days as promised. We gave $2,000 down payment and money orders were deposited on Nov.16th 2011 by Mike Shaw Toyota Corpus Christie. Car payment was sent certified to AmeriCredit $236.00 on Nov. 30th 2011 of which they have deposit it on Dec 1st 2011 this payment was not due till Dec 28th 2011 but paid early!

I received a call from Car Dealer stating they wanted us to return vehicle stated loan had not been approved and that they would have to put car in both my name and my daughter which is my durable power of attorney. I am handicapped and unable to drive, she is my 24/7 provider who makes all my decisions due to my condition and vehicle is mine, they used my credit and I am paying car payment and full coverage insurance. They said we keep it rate would go up to 21.99% or return it. The original term and conditions was 11.99 %. I believe we fall into bate and switch law including other boundaries and scams that dealership is currently doing to us this now includes threats to personal references that were given to them on the application.

AmeriCredit was faxed the full coverage insurance 3 days after the purchase so we have complied with their terms. They also had stated the vehicle was in the shop when we called and said my daughter was on her way to go pick up car and that roof was being fixed as it is a convertible and was being washed, waxed and gased. When she arrived to pick up car it was filthy, not gased and roof did not work? they stated that roof had a recall and parts would be ordered and they would call us and would not charge us.parts apparently is in so instead of calling us they are calling all our references and threatening them? we gave 5 references they called all of them? Why?

I have paid Americredit $40,000 on a 2005 Nissan Altima. The original cost of the vehicle was $21,000. I have paid my deferments and pretty much have the late fees. Americredit will spend more to repo my car than what is supposedly left to pay of the simple interest loan. I wasn't advised of the simple interest loan at the time of purchase but it was explained to me as a straight loan with a higher interest rate based on my credit. I have already paid them back. And people wonder why these the Occupy Movement is gaining momentum I will find a lawyer to file some sort of class action suit because this is ridiculous. I can see if I had paid the loan as agreed upon at the time of purchase, but I have paid more then twice what my car is worth new. Result is repossession even though I have paid over 90%of the loan.

I purchased a Suzuki Grand Vitara on 2/11/06 with Carmax and was financed with Americredit. They have harassed me the whole five years.

They call nine to 10 times a day and even call other phone numbers if I call them on it and demand to speak with me. In April 2011, I lost my job I had been at for 10 years. My loan with Americredit was due to mature on 5/12/11 and I had three payments left to make. I pulled my 401K out and made the very last payment to them on 5/9/11, which I had made 54 of 54 payments on the contract. I was told that I would be notified of any balance.

I was sent a letter in the mail that I owed them $2500 more with no explanation, no detailed statement, no payment plan. I was told I had 120 days to make the payment of the balance in full by 9/12/11 or it would be charged off on my credit and I will never receive my title until I pay it. I continued to receive calls, threats of repo, charge off, no title and rudeness from every rep.

I went online today to look at my account details and there is a different amount that I owe them now, it's $2731.97 and a payment coupon of $179.70 monthly due by 5/12/11, which I was never told about or offered to. I was told to make four payments of $625 by 9/12/11 and that would satisfy my loan.

I will never recommend them and they should not be able to harass anyone like that, especially after they have completed the contract terms and now you want more money.

In February of 2010, I was severely injured at work, which meant I had to fight my employer and the workers' compensation board. We were doing okay for a while, but in March of 2011, we were ruled against and lost the workers' compensation income. This came on the heels of my spouse losing her job.

We explained the situation to Americredit and worked out a deferment that was for a 2-month span, which for a 5-year loan is not that long. Pretty much the day the deferment ended, they were calling, and I don't mean just once or twice a day, we are talking as many as 9 calls in one day.

They finally said the car was slated for repo and I did not argue. The repo people however, never showed up and I received several more calls telling me it was in repo. Finally, we were told that my workers' compensation would be reinstated and we made a large payment to Americredit, which was supposed to get us flush. Instead, they chose to apply part of it to interest.

We continued to receive several automated and manned calls a day, until finally, I was told by one female representative that she saw the problem and would fix it. This "fix" did not happen as we continued to get many calls.

Finally, after we were told by one rude rep that she was "not going to invest time listening", I spoke to a manager named Tim, who we set up another payment to cover the "owed" amount and the next month's payment.

The very next day after making this scheduled payment, we still received multiple calls. It's bad enough that we hate the car, the loan terms are ridiculous and that the only reason we got it was that we needed a reliable vehicle for our family. But to be continually harassed on a daily basis even when we have caught up, it's enough to make you want to scream and cry.

What are my rights as a consumer in a car loan agreement? What amount and type of personal information for disclosure is ethical? What are my options to pay off this debt if the principal balance continues to increase?

Yesterday, I was declined a deferment due to failure to provide different personal references. I have filed one deferment in the past with this institution and the personal references for that application still exist and are credible (immediate family members, all individuals are alive). The reasons given to me for rejecting my application are "you are not giving us different references in case we are not able to contact you directly, the references you have on file are not good enough, you are not being cooperative and wish to give us what you feel like giving us, these are the terms for this deferment, we can't help you if you can't give us better references."

The reason for failure to make payments in a timely matter stem from my existing employer's inability to provide me with full time employment. In the past three months I have communicated this with my lender, placing phone calls every two weeks and making payment arrangements. Throughout each phone conversation, none of the customer representatives have suggested a deferment. Therefore I am accruing fees to my existing loan (e.g. late fee for being late on payment more than 10 days, late fees for not paying minimum amount monthly). This is gradually increasing my principal balance and ultimately hindering my ability to pay off my debt in a reasonable amount of time.

I would never recommend anyone to do business with this company Americredit Financial Services. If they were the last auto finance on earth, I would rather walk. I had 66 months to pay on my loan. It expired in November of 2010. I never miss a payment. My payment was due on the 19th of each month. When I thought that I had completely paid for loan, they told me I had a balance of $1700 still. I asked them how is that possible when I have never missed a payment. Their response was "Well, if the payment reached our office a day late, we charge for interest." Why wasn't I informed of this? They gave some ** answer. Never again would I do business with them.

The payments are not going though.

I have been unemployed since 1/21/11. I explained to them that I have no income to make car payments. After three months, I was told if I could pay 250.00 dollars, they would give me a one-time grace due to my unemployment and catch me up so I would not have to worry about repossession of auto. My only income is child support. I sacrificed the money, leaving none for food at home.

Within three days, they started calling and threatening me with repossession of the auto. No one would listen, no one would help. They called me and left messages all day at least 5 to 8 times a day. I just don't even answer anymore for I am sick of their rudeness and all they want is money that I do not have. I need automobile to seek employment but I'm ready for them to just come get it and let the harassing phone calls stop.

On 7/25/11 at 2:26 PM CST, Shari from Americredit (888-755-8646 ext 77112) called. She spoke with my mother, and never stating the memoranda statement, or explaining to my mother that it was an attempt to collect a debt.

She continued to go into detail about my personal debt with their company; telling my mother that I was several months behind on my auto loan, and other personal information that only the loan holder (me) should know details about.

I got behind in my payments on my car note which I have been paying faithfully for the past 5 and 1/2 years without any default. I recently contacted AmeriCredit to explain that I am going through some hardship and if they could restructure the loan. They told me that they do not refinance and that there was nothing that they could do. I explained that I will borrow the money to pay off the loan amount which was about 12k left and that I just needed time to gather the money.

I tried to make a payment to Christina in the Canada office, but she kept trying to push my payment behind which would extend the loan for several months more. I explained too that I wasn't interested in that and I just wanted to make a payment. She persisted without taking "No" for an answer. Later the next day, I checked my account and found that they deducted the payment which kept me 60 days behind. But I was planning on paying off the loan and had asked for a payoff statement.

This is what I believe a problem--an illegal repossession of my car. On Friday, the 22nd of April, my car was taken in repo by AmeriCredit. I know I have a contract which has only 18 months left and of which I was not aware that I signed a 7-year car note. I went and paid the amount they said that I owed and gave them two references and had my Insurance send over a copy of my coverage.

I lost three days of work and countless sleep, because there were tire marks on the pavement which tell that my car may have been damaged. And still, AmeriCredit will not release my car, saying that they never received the fax from my insurance. I've called my insurance several times and have confirmation that it has been sent. Why won't AmeriCredit release my car? it costs more for storage fees which I cannot afford.

I purchased a new vehicle in 2004. It was a Nissan Xterra at 14.995% rate of interest. I made all payments with the exception of two extensions during the life of the loan. They were added to the back in extending my payoff date, I have no problems with that. I am making my last payment on Dec. 18, 2010. The finance company has recently sent me a letter stating that I have an unpaid amount of interest of 2,300.00 dollars that they claimed was owed early on in the loan.

This is the first time I am being made aware of this claim. There was never a mention in the monthly statements or during any of our verbal conversations over the length of the loan. It's been implied that I will not receive the pink slip and my vehicle is subject to repo if this amount is not paid in December. My question is, do I have any recourse at all? Also, my original contract is faded and not readable, and this finance company is not the original company. They sometime during the course of the loan, purchased Long Beach Acceptance Corp. which is who I financed the car with. Thank you.

For the past two years, I have paid my note two or three months in advance, each time itemizing monthly payments on the checks. I have fought with this company for just as long regarding their willful and continual misallocation of my funds, which has resulted in collections calls to my home and past due fees that I do not owe.

Americredit has dismissed my concerns because they use a computer to allocate the funds; thus, no person is responsible for the mistake since no person actually allocates the payments. The actions I have described from Americredit are harmful to my credit, since they will not hesitate to report "past due" balances. Further, Americredit is harming my well-being as I constantly have to argue with unprofessional people who do not give a ** that the company is committing fraud.

I have learned that AmeriCredit is the worst auto loan company to deal with the hard way. At first, I could afford their bills for one vehicle, and then I traded it in for another vehicle because I had to travel through the mountains and my first vehicle couldn't get through them. The remaining payments from my first vehicle were added on to my new vehicle's loan as I requested, which only brought the payments up around fifty dollars.

Now my other bills are piling up, and I've decided that I need to make sacrifices in order to make ends meet, considering that AmeriCredit won't help me. Instead making small adjustments so I could pay later, but added on the late fee instead, which doesn't help my current situation.

I decided that my vehicle needs to go. I managed to find a potential buyer, and everything was looking good. When I called AmeriCredit to let them know what's going on and allow them to do a credit check on the new buyer, AmeriCredit denied it before I could even pass the phone over. They're saying that I'm not allowed to sell the vehicle to anyone unless it's been completely paid off first, even though they know about my financial situation.

This company is like a mafia. You borrow money for car and you pay two or three times the cost of that vehicle. We filed bankruptcy and the car lot we went to claimed this would help get us back on track with our credit. They failed to tell us that it was only going to hurt us more. This company needs to be investigated by the BBB or someone. This company is out of control. They give you a outrageous payment and then they only put maybe $80 to $90 of the payments you make to the principal of the loan.

Due to the economy and hard times, I lost my job and now stay home to take care of my kids. My husband still works and we have made a few late payments but last month, I called to make a payment and they told me that the payment would be for the 8th of Oct. But instead, they took it out on the 8th of Sept. which caused my checking account to go into the negative and bounce my mortgage payment. So now, my house payment is behind and I'm stuck with late fees on it and the fact that this company can get away with all of this is appalling to me. If a normal person done business this way, they would be shut down. That's what the government needs to do to this company. I think that everyone suffered from the economic crash and for companies to operate like loan sharks is only going to keep people in debt. It's a trap you can't get out of.

This letter is to bring your attention to our negative experience with Dana ** of the Chandler, Arizona AmeriCredit location and to lodge a formal complaint against her. I became involved with this matter after my son, Blake **, came to live with us in Colorado this past July due to his unemployed status and subsequent eviction from his home in Hawaii. Unfortunately Blake is one of the many victims in our current National economic crisis and as a single father, sought our help to house him and his son while he searches for gainful employment. We contacted Dana **, per her request, to discuss options available to us to rectify the delinquent status of Blake's 2004 Ford Explorer.

All conversations with Ms. ** were via speaker mode so all three of us would be clear as to what was discussed. In our initial discussion Dana advised Blake that he was 82 days delinquent and that a repossession order had been issued. Blake educated Dana to the fact that he had previously contacted AmeriCredit as soon as he was downsized (approx. March/April) and tried to refinance or modify his monthly payments in an attempt to work with AmeriCredit to avoid delinquency.

Blake was told that AmeriCredit does not refinance loans and that the only option available to him was to defer his delinquent payments and remain current on all future payments. Dana even acknowledged that until Blake became unemployed he was in good standing with AmeriCredit, but that she couldn't discuss our options until she had the location of the vehicle.

I explained to Dana that I wanted to ascertain what our options were before divulging the location of the vehicle because repossession might be a mute point as Blake's father, step-mother, myself and my husband were looking into the possibility of satisfying the balance of the vehicle or becoming current, but needed more information, including balance owed before making that decision. Dana's demeanor and voice became hostile as she kept pressing for the location of the car before any further discussions could take place.

I also explained to Dana that my past experience in former positions as a Director of Sales and Marketing and Senior Account Executive, afforded me the insight into her attempt, but ill applied use of strategic maneuvers utilizing canned dialog, repetition of company protocol and constant side-stepping techniques. I requested that she take a step back, calm down and remove the hostility from her voice/antagonistic attitude before our conversation could continue. I asked several times to be elevated to her supervisor as I felt her attitude (though Blake and I remained calm and even-toned) hindered our successful communication.

Dana refused and stated that she was the agent assigned to the case and that her status as Assistant V.P. was as high as we could go. The only information we obtained from Dana during that conversation was the balance due, confirmation that AmeriCredit does not refinance loans, that the delinquent balance would have to be brought current/or deferred, and that future payments of nearly $500/month would have to be made on-time, and that no other options were available to us other than payment in full to satisfy the loan. I then ended the conversation by advising Dana that I would discuss the options with all parties involved and contact her. She gave me a deadline of 5-business days to do so.

On the 5th business day, I received a voice message on my home answering machine from Dana asking us to contact her. I was furious as we have outgoing ID-blocker on our phone so Dana should have not had access to our home phone number, nor did I divulge our address/telephone number to her at any time. I returned the call and left a voice message stating such and that she did not have my permission to utilize my home phone in the future. Blake and I called Dana back the next day and informed her that we had an appointment the previous day with a Bankruptcy Attorney (true fact) and due to Blake's homeless and unemployed status, we felt he had no other recourse than to file bankruptcy due to AmeriCredits company policies. Dana's response was, "we'll see how the Bankruptcy Judge rules".

After that rude remark, we provided Dana with Blake's new address here in Colorado and gave Dana the physical address of the vehicle. We requested the name and phone number of the repossession company so we could cooperate fully by personally contacting them, provide them the code to the key less entry door, location of the keys inside the vehicle, and exactly where it was parked for easy access. After providing us with the repo company's information, Dana asked us to provide her with our Attorney's information to forward to her legal department. We declined so she hastily ended the conversation and hung up. We immediately contacted R.T. Towing at 808-885-4488 and provided them the information noted above.

I was infuriated with Dana's continued hostile and rude attitude and the way she ended our phone call so after our conversation with R.T. Towing, I called AmeriCredits Chandler location, asked to speak to Dana's direct supervisor, and was transferred to Mr. Erin **. I explained to Erin that I wanted to lodge a complaint against Dana and then went into detail about her deplorable and unprofessional conduct. Blake and I had a lengthy conversation with Erin and requested that our detailed conversation be noted. I also suggested that if the company keeps recordings of customer/agent conversations, that he access the tapes to substantiate our attempts to cooperate in a calm manner, and Dana's continued rude and unprofessional behavior.

I am amazed that Dana's tactics, coupled with her lack of any sort of feigned compassion or empathy, have been rewarded by elevating her to the Assistant V.P. status she holds with your company. I explained to Erin, as I had to Dana, that we (Blake's parents and step-parents) wanted to explore the possibility of a reduced pay-off amount to satisfy the loan in lieu of filing bankruptcy. Erin explained that it is not AmeriCredits policy to do so. I proposed an amount of approximately $7,000 (blue book value of the car is only $10,000 even though the balance was $14,593,37) as it would likely be more than the company would receive at auction and was all that we collectively could afford at that time. Avoiding a bankruptcy filing would benefit all involved. I asked Erin to elevate this request accordingly and let me know if it would be considered.

We also provided Erin with Blake's new Colorado address and e-mail address as a means of communication because Blake's cell phone was soon to be terminated. I advised Erin that we would continue exploring avenues to become current or satisfy the loan in full. Erin assured us that we would receive written notices of redemption/sale and a specific amount of time to cure the delinquency prior to the sale of the vehicle. We received no such notices to the Colorado address we provided. We appreciated Erin's explanation of the repossession process/procedure including the written notifications involved. We had previously requested the information from Dana who declined to respond. We thanked Erin for his cooperation and time. I applaud and would like noted, Erin's empathy, compassion, and professionalism.

He extended dignity, courtesy and respect to Blake during these hard and humiliating times. Erin made us feel that he truly understood that everyone falls on hard times, but that the destruction caused by those hard times does not define the person. As noted in the body of this letter, we provided both Ms. ** and Mr. **l with Blake's new Colorado address (**, Colorado) upon disclosure of the vehicles location; prior to the date of the Explorer's repossession. Unfortunately the change of address apparently was not noted in Blake's file as the notice of right to redeem and notice of our plan to sell property were mailed to an obsolete address, which in turn was forwarded to another obsolete address, and did not reach our possession until well past the sale date of the vehicle.

This oversight by AmeriCredit (and possible sabotage from Ms. ** due to our direct complaint against her) precluded us from our lawful right to redeem or become current in payments prior to the vehicles sale and therefore negates any outstanding balance due. We have filed a complaint with the Federal Trade Commission and intend to elevate this matter to be investigated for lack of due process, malicious intent and possible class action suit if similar complaints have been filed. We understand that you have a limited amount of time to acknowledge our complaint and expect a prompt response outlining the intent of your actions including collection proceedings or dismissal. I have received a letter from the Legal Department of AmeriCredit stating that they "would like the opportunity to address the concerns stated in the letter, however more information is required.

At your earliest convenience, please fax a signed letter of authorization from our customer to discuss the account. Upon receipt of this information I will research this matter". I appreciate this gesture; however, I was denied due process and I lost my car. Now I face the possibility of them pursuing me for the outstanding balance. Their company policy of non-modification (even after my contacting them immediately after the loss of my job) proved to be pointless/fruitless. That coupled with possible sabotage from the "agent" warrants research and repercussions. How many other "clients" have they done this to??? Thank you for your consideration!

I had to file bankruptcy several years ago and almost right away was involved in a car accident in which my car was totaled. I was able to get a loan with AmeriCredit for a late model Ford Explorer and have made every single payment on time. One month, someone misread the amount on the money order and entered the wrong amount in their system. They started to harass me at work and refused to correct their records despite having proof that the money order was in the correct amount.

They even told me one time this was "my problem" to work out. Well, within a few days I decided to file a complaint with the Texas Attorney General's office and included the name of the lady that said it was my problem. Then I sent an e-mail through their website to AmeriCredit to tell them what I had done. They promptly corrected their records and I have had no more problems with them.

Honestly all these complaints I hear about AmeriCredit, it is pretty annoying and vague. If your payments were on time, then none of this would happen, right? I believe it is bad budgeting on the consumers end here. This company is a sub-prime lender, meaning your credit is not the greatest of credit. It is pretty self explanatory, there is a reason why AmeriCredit financed your vehicle, because no one else will. Now don't get me wrong, I am not perfect, no one is, but also no one forced you to get financed through AmeriCredit and no one forced you to sign a contract with high interest and high monthly payments, the decision was made on the consumers end, not AmeriCredits.

Put it this way, if you were a finance company and your customers were delinquent on their account, what would you do? Exactly, you would try to get your money or at least some of it back. Unemployed, sick, off of work and no work hours, cut? In life there are no excuses, only results. Budget! Save money! If you know you have a note due, why would you go shopping and blow half of it off? If you are unemployed, hurry and find a job, maybe? I think it is funny, don't get me wrong, but society has a way of "milking" the government. The unemployed people just accept it the way it is and just keep on taking the unemployment instead of looking for another job.

When people find out they will make less then they did before, they always turn down that job. Keep in mind you can only get so many extensions on your unemployment. For the ones saying, "I was sick for a week and cannot make a payment because I was off work," that is a [lie]. Ever heard of sick time? If you haven't, well, you get paid for the time still. Like I said early, there are no excuses in life, only results.

My car was repoed. Later it was sold for an undisclosed amount. I recieved a bill saying I have to pay 11 thousand. However, I settled for 50 percent of the 11 thousand which is about 5 thousand. I was told that if I cannot pay for a vehicle and it's reposessed I shouldn't be paying for it. Am I being scammed? The vehicle which I was paying for was worth about 21 thousand. At a monthly payment of about 700 dollars, it's taking a huge chunk out of my wallet. I've no money for living expenses and food. I'm practically broke.

I was in the process of moving to Alabama from California. While doing so, I canceled my insurance policy from California in order to re-establish one in Alabama. I allowed a childhood friend to use my vehicle in order to drop me off and pick me up from the airport. This person had a non injury accident in my car. I took it to a repair shop to have an estimate done on the repair. I later found out the owner of the repair shop had a gambling problem and ran a mechanic line on my vehicle. I was displaced from work at the time due to a work related injury which required lower back surgery. Needless to say, I could not afford the payment much less the repairs. Americredit apparently never received the vehicle and auctioned it off, and I am left with the entire amount owed on the car. The damages were appraised at less then $3,000. In my opinion, the car was worth something at auction which would have reduced the amount I now owe.

My mother purchased a vehicle which was financed by AmeriCredit. My mother was diagnosed with terminal cancer a couple of years after the purchase of the vehicle; through her chemotherapy time frame I continued making the payments on her vehicle to help her out. In January of 2009 my mother lost the battle to cancer.

During the 6-month period which she was in and out of the hospital I contacted AmeriCredit and advised them of my mother's rapid deteriorating state. The cancer had traveled to her head and she was deteriorating rapidly and her mental state was also deteriorating rapidly. I faxed a written request to provide me with the payment information so I could continue making her payments on the vehicle.

AmeriCredit began taking my payments and suddenly decided they would no longer accept payments from me. However, AmeriCredit continuously called me to my personal cell phone and my place of employment up to 20 times per day demanding to speak to my mother. I would continuously advise them that my mother was terminally ill but they on many occasions told me that I was lying to them and that I needed to put her on the phone. I would tell them that I would be submitting her payments AmeriCredit would continuously tell me that they would not be accepting them.

My mother finally passed away from her cancer in January of 2009. AmeriCredit continued to contact me and I then refused to talk to them since they had refused to talk to me during my attempts to assist my mother. They would tell me that I was lying and that my mother had not died. They then began calling my place of employment numerous times even asking to speak to my immediate supervisor and the main boss. I was pulled into the office by my supervisor who advised me that a lady from a company AmeriCredit was continuously calling.

I advised her that I owed the company no money, and the account which they were referring to belonged to my now deceased mother. I felt I had no obligation to them since my name nor signature was on the contract. AmeriCredit continued to harass me calling me 20-30 times daily and even called my sister and offered her $200 if she would give them my address. Since I did not owe them a dime and I never signed a contract with them I am having a hard time understanding why they would go through extreme measures to collect something from me which I did not have. They were very crude at the statements they would make to me and tell me that I needed to tell them where the vehicle was located.

At this point I had no idea where the vehicle was, I simply assisted my mom with payments in her time of need. I didn't feel I was financially obligated to AmeriCredit once my mother passed away. I was threatened by this company so many times and the calls to my place of employment continued 10-15 times per day. Can a company do that? Harass a person who owes them nothing as much as they harassed me? My reputation at work was damaged. The representative was persistent and lied to my supervisor and advised her that I was not paying my debts. I never owed them anything. The embarrassment that was caused to me has caused irreparable damage to my professional status. Receptionists and coworkers all received numerous phone calls from this company looking for me when I owed them nothing. Not to mention my sister being bribed. Can companies do that? Bribe people like that? I am appalled at the things corporations get away with and it seems like we can do nothing about it.

Americredit repossessed my car around 3:30 this morning. I made a payment earlier in the day and was told by Rebecka (I believe) that everything wa fine, and that I could make the other part of my payment on the 6th. i asked if that was ok and she assured me saying "yes. you are fine." At 5 pm, I recieved a phone call from another Americredit representative asking me for me payment. I told her I had already made it and she told me, that she hadnt even checked for it.

Americredit has lead me on to believe that everything was ok; they lied to me. Americredit has also violated my privacy by telling people who are not on my accont my personal information. They have violated me in every and many ways. Please help me. Instead of just paying the $150 on the 6th of December, and the balance afterward, I am now responsible for over $1600 in repossession fees when I was lied to.

i cannot afford this in any way and I have mental anguish from this. I didnt sleep all night and i wasnt able to take my baby to the doctor, my older child to school, or go to school and work myself. i am going to loose class credit behind this and possibly loose my job.

6 yr loan, lost job 10/08, very bad financial yr, every rep I spoke with knew my situation and claimed they would work with me and they did until 10/09. The loan went into charge of for $1,404.00. I spoke with Justin and wanted my checking acct debited for $500.00 on my next pay day week of 11/09. He refused and said Americredit wanted full amount. I told him I did not have 1,404.00 and if I send him 500.00 would he send it back. He said no but it would not matter he wanted the full amount.

11/17/09 Tues, Truck was taken from a friends driveway where I was night before. When I realized what happen I paid full amount 11/19 Thurs by western union quick pay. Per the western union rep, the Americredit co received payment within minutes. Justin refused to process release of the truck and insists that is co policy and now 3 days later I still no truck release and storage fees are accumulating.

After reaching someone in the charge off department they are still claiming the truck may be released in Mon 11/23. I guess that remains to be seen. I had to pay $40.00 to get some work tools out of the truck in case I could not get the money to pay. I currently owe 7 days of storage.

No guarentee I will get it released on 11/23, I have only gotten a "possibly" by Justin and 2 supervisors. I live in the country, 15 miles from work at the Hospital, I had to take some time off due to unable to get to work. I had to cancel a very important court date of 11/23 due to not sure if they will release truck then.

My job where I had been working Full-time at for three years came in one day and told me they had to cut my hours due to the economy. Well, due to them cutting my hours at work, naturally I wasn't making the same amount as before and began to fall behind on my bills including my car payment in which I had financed through Americredit.

I contacted Americredit to let them know my payment will be late because my hours were cut back from full-time to part-time and my income was drastically reduced. I informed them I would make my payment,but it would be late, of course they continued to call me numerous times a day afterwards even after I spoke with atleast three different reps. Well, a few months after thatI end up losing my job.

Well, I contacted Americredit once again to let them know I now have no job and was waiting to hear from unemployment, the rep I spoke with was rude and had a horrible attitude and told me when I find out about how much unemployment I get, I need to inform her with that information, and maybe I need to return the car to them if I can't make the payments! How rude and she made no apologies or showed no sympathy for me losing my employment.

Well, since then I have spoke to atleast three other reps and then talked to a "Christine" at Americredit, who was extremely rude and arrogant with me and wouldn't work with me at all with the payments. Christine even talked over me and had the nerve to argue with me on the phone because i informed her Americredit was harrassing me with phone calls everyday numbering atleast 8-10 per day even though I have been in contact with them the entire time and they knew I would make my payment,but it was gonna be late, they continued to call and call, and Americredit called me so many times, my voicemail was completely full, and this was after I informed them also that this was my cell phone as I had no landline and they were using up my minutes, Americredit didn't care at all.

I told this to Christine and she was sarcastic and told me their "Legal dept" didn't view that as harrassment, even though Americredit continues to call me everday nonstop atleast ten times per day, sometimes more. I also told Christine I would file a complaint against them with the BBB and Consumer Affairs and she told me bluntly "if that's what I need to do to be happy, then do it"! In addition, Americredit charges the highest interest rates on their financing and I have also asked for that to be reduced becasue it takes forever to pay your car off and they are basically acting like the Mafia;charging high interest rates and then threatening to take your car, and harrassing you at work and home with numerous phone calls a day!

I've had problem after problem with my 04 Cavilier including the fact that the car cuts off at various intervals like it did with me when I was on the Interstate and it just cut off on me in the middle of traffic and no mechanic can find out what's wrong, and then what I owe left on the car is two times more than what it's even worth now!I still recieve numerous calls everyday as of present date so that still contiunes!

I have filed complaints against Americredit with the BBB and Consumer Affairs due to their harrassment and handling of my account with them. Due to them charging me outragous interest rates, late fees, etc. this has caused me severe financial woes and distress and they have no real concerns with working with their customers when they hit on hard times even when the customer wants to pay, but is temporarily having issues that were out of their control, such as losing a job.

I tried financing a car from Bronx Suzuky due to my credit not being good enough I had to do it under my sister in law's name. They said that if I don't miss a payment within 6 months I can transfer the car to my name and they would lower the payments. Well it was a lie I'm still paying $568.00 the car still under her name I had an accident with the same car been out of work since 3-24-09.

Explain all this to Americredit cause my family been helping me with food and shelter and the car payment. My father is even willing to give me $3000.00 to buy of the car from the bank so I won't lose it and also not to damage my sister in law's credit but I can't get no one to help me. Not Americredit or Huntington Bank. The car was fix but is not the same, now has more millage so it doesn't have the same book value. I don't want to loose the car but I can't make the monthly payments any more I feel terrible cause I don't want my sister in law's credit she did me this favor and now what?

No body thinks about the damage this situation is causing, Bronx Suzuky lied when they said the payment would be lower in 6 months, they only care about making their money. Americredit don't want to understand my situation. I heard of people that can't afford their payment and were able to settle with the bank to buy of the car. My father is willing to help me to get out of the situation by buying the car.

To me the bank is not losing or the costumer, the economy is real bad now, there is no money out there,this is a used car plus it was already involved in an accident any mechanic will tell you that the car is not 100% right any more but it has a good pain job. I'm dealing with my recovery, I tried getting help from public assistant but like always not everyone is eligible. I don't sleep I can lose my apartment also, I'm crying like a baby every five minute.

I am an activated Navy reservist. Upon notification that I was being mobilized and deployed to Southwest Asia I contacted AmeriCredit in reference to a leased vehicle. I inquired about the possibility of an early termination of my lease under the terms of the Soldiers & Sailors Civil Relief Act (SSCRA). At that time I was transferred to a representative in the Recovery and Collections department.

I spoke with the representative and was informed that I could turn the vehicle in and that It would be treated as an early termination of a lease, the same as it would be treated if I had purchased a new vehicle and traded the vehicle in. I then discussed what needed to happen to start the process. I made several follow on calls, and made every attempt to make the process, as easy as possible.

After the vehicle was recovered by the company I received bills from them stating that I owed them over $8000 to complete the process. My wife made a few calls and the situation was quickly corrected and the company sent us letters stating that all debts were paid and that the account was closed. My wife and I made follow on calls to ensure that everything was completed and that the transaction was reported to the credit bureau accurately.

A few months after completing the process, I found that AmeriCredit had reported to the credit bureau that the vehicle was a voluntarily surrender and that I had an outstanding balance of over $8000. My wife again contacted AmeriCredit and advised them of the error on the credit report. The customer service representative (CSR) that she initially spoke to told her at that time that she was unclear how that would have happened because the account was clearly marked in several locations, stating that it was being turned in under the SSCRA. She was then transferred to the supervisor of the CSR for resolution.

My wife spoke to the supervisor about the issues. Then I called and spoke to the supervisor, and we were both told that while he knew that the reporting was not accurate, that he could not change the reporting, and if we wanted it fixed that we need to contact the credit bureau and file a dispute and then he would fix the reporting. We did as he asked, even though I am aware that he could fix the issue without us jumping though all the hoops. And he did respond quickly to the dispute letters upon receipt of them, But! He then reported to the credit bureau that the account was paid in full, and that the vehicle had been repossessed.

As a result of these issues that I am having with this company and their credit bureau reporting process, my credit score has gone from the 800's to the low 700's. My wife and I recently attempted to get credit to make a purchase and for the first time in my life I was declined. I have started receiving notices from all my credit card companies stating that if I default or am late on any payments that they will more than double my interest rate. My wife and I have had impeccable credit for many years. I couldn't even tell you the last time I was late on a payment, including this account.

I have made every effort to remedy this issue though the company. The supervisor that I have spoken to refuses to provide me with the name and extension number of his supervisor or of any other person that I can talk to in an attempt to resolve this issue. I am reluctant to get military or government attorneys involved but if I can't get this resolved any other way, I will be forced to go that route. Any help would be greatly appreciated.

I for almost 2 years I have asked Americredit to change my payments to the 26 because now I am paid only once a month. They have refused to do so and is damaging my credit.

I received a letter today stating that the account will be reported as a settled in full as a "Charge Off" and nowhere in the document that I received, was the words or indication of "Charge off" referred to. If the account was just gonna be considered a "Charge-Off' anyway what was the use in me paying them $1576.00?

I have been with this company for 2 years and always made my payments on time. I came into a financial hardship and was not working, I have been actively looking for work and AmeriCredit has been understanding to work with me, until today. And now I can't seem to get anywhere with them. It is frustrating to have a customer service rep tell me to get my payment in by 5, and things will be ok. And then Upper Management reviews my loan and has the car repo'd. Frustrated and carless

I bought a car from Bill Heard Chevrolet on a promotion finance now get refinance in a year lowering my APR lowering my payment to improve my credit. After a year that didnt happen I only went for it because of the promotion. After I continued struggling trying to make payments I realized that my balance wasnt going dowh I ask americredit for a print out of my payment history they refused. I filed a injunction against them to take them to court to keep them from repo my carand after 6 months i finally got the payment history which showed fraudulant activity payments not credit properly. After investigating i found hundreds of thousands with similiar complaints

If they repo my car after 2 and 1/2 years I will lose over 15,000 dollars and my credit will be even worst

March 10, I received a phone call from Americredit in the afternoon. The rep. introduced himself as Nicholas and said I may be recorded. He asked me a few questions concerning my account and why it was behind. I told him the reason. He continued talking and mentioned that I did not tell him the reason why my account was behind. I told him Yes I did answer your question. He became very rude I told him twice that I would send a payment in tomorrow. I was not going to continue speaking to him while he was being rude so I hung up the phone.

The next day I made an online payment of 320 dollars.This made my account one and a half month behind. That night on March ll, 2009 my car was being towed. I could not beleive this was happening to me. I had to take a day off from work to get my car back which cost me 425 for reposssession and one and half month payment plus storage fees of 75 dollars which made it over 950 dollars. I would like to receive my monies back for the inconvenice I had to go through and for this company to go out of business and have a respectable company to handle my account.

One day lost from work, 425 for towing fees 75 for storage and administrative fees. Stealing no letter of repossession none whatsoever.

This car company is now being sued for fraud and deceit and I'm over joyed. Yet I'm determine not to stop until I can sound the horn on their partner AMERCREDIT. It takes two to give two services. One for a useless car and the other for an impossible loan to pay.It has been two years and my loan is still at 21,000 for payoff, 31811 for maturity, and the current value of the car today is 6,795. The dealer is filing for protection under bankruptcy and one of the creditors suing them is Americredit. For what? For the payment for the unfinished PREDATORY AGREEMENT? I should of know the day I walked into that dealer that I should of went with my first instinct which was These salesmen look like they haven't been in car sales for long this place is unprofessional get out and go home. Yet as soon as you put on your blinker they swarm the car and there is no chance for survial unless you where to use force. I will never stop writing about this until it heard and or solved.

My payments are 529 month I'm usally late so i pay the late fee and the bank draft fees. I'm accumalting late fees and i'm at 200.00. I can't trade the car in because it is only worth 6795 and I owe 21906. My house payments got behind because i had pay one or the other. Therefore i could not refiance my loan. I usally have to use my overdraft costing 29.00 to use or take out a payday loan to get them paid. I borrowed from family members to stop them from repossing.I'm getting deeper debt behind this and the company will not lower my interest rate of 21.95 percent.

We purchased a vehicle and got approved credit thru Americredt about 2 years ago. Because of the economy I lost my job but I found out that those payments for the van did not go toward the principle. We still owe just as much as we did in 2007. At this rate we will never pay it off. They are no better than a loan shark.

We will let the van go back but still will be paying for it forever.

I had my loan for over a year and they told me at the beginning of the loan that if I made all of my payments on time, I could get my interest rate lowered. When I requested to have that done then they gave me the run around. They never had a viable explanation or legitimate reason for not lowering it.

My car was repossessed 1 day prior to me making my regular payment. After talking to the tow truck driver and he showed me the paper work they stated that they were repossessing my car for three payments and I had never missed one. I paid for two payments to be put on the back end of the loan and they included it to repossess my car.

Unable to use home phone after receiving a call from Americredit Representatives. Americredit's phone system apparently is locking my phone line. Service is not restored until it is serviced by AT&T home phone repair. This a continuous problem.

Unable to use home phone for entire weekend (1/9/09 tnrough 1/13/09) due to phone repairs not conducted over weekend. Unable to use home phone service today (1/19/09). This is a safety hazard.

This property was deemed totaled,on or around February/March 2008 and you received the vehicle back in your possession.

This vehicle was purchased in April/May 2006 and totaled in March/April of 2008. Funds received by you in the amount of 18,142.15, + the vehicle itself. The amount financed was $12,680.18 @25.99% for 59 months, finance charges totaling $10,341.22, with a grand total of $23021.40.

The "pay off" amount at date of loss in March was $11,894.48 including interest.

The finances charges over the life of the loan (59 months) $10,341.22 (175.27/mo, $2013.24/yr).

The car was paid off 3 years early, which would be a savings of $6039.72, bringing the total amount of the car from $23021.40 to $16, 981.68.

To date you have received $18, 142.15.

Per both my records, and the records of Americredit you have received $18,142.15. Why are you still contacting me? Why have you deemed this account a "Charge Off", when in actuality it is "Paid Off"?

What could I possibly owe you?

$6039.72 saved in interest payments

would have brought the total owed on the car to $16,981.68

You been paid $18,142.15 per your records

However, your record show that I still owe $3100.82 which would bring the total to $21,242.97. How is this possible?

I spoke with Jamila on 01/16/2009 @ approximately 8:15a who told me that up until the time the vehicle was totaled I owed $11, 894.48, which would mean that $11,126.92 was paid on the vehicle up until February/March 2008. She also went on to say that $5, 457.89 of that was interest payments. However, she could never explain to me what happened to the $5,669.03, and how and where it was applied?

If at the time the car was totaled I paid $11, 126.92 and paid $5,457.89 interest, then the $5,669.03 would have to go toward the principle of $12, 680.18 leaving a total pay-off of $7011.15 left to be paid on the principle.

With Wawanesa Insurance Company paying $5, 935.41 and Safe-Guard paying $2943.82 totaling $8879.2, how do I owe Americredit anything, unless of course you are trying to get me to pay the full $23,021.40, which would include an additional 3 years of interest payments that I should not have to pay. It looks as if you are trying to get me to pay the interest for the life of the loan, although it was paid off 3 years early, which would drastically increase what I owe.

I am requesting IMMEDIATELY! the following info:
Itemized payment history
The amount of interest saved if paid off in 2 years instead of three years
The amount of interest paid until date of loss
The amount that went toward the principle up until the date of loss

The total amount due, if paid in 2 years instead of 3

I do not owe you any additional monies on this account. The Account is "Paid in Full"

deferrment I was granted.

I made a payment on Nov 28 2008. I received a
notice saying my contract was up and I needed to pay 5000+ dollars in full
or my vehicle would be repossessed. I called and spoke with someone in their
department and was told to keep making my monthly payments. I logged on to
their website Jan. 2 2009 at approx 3pm pst and tried to make a payment and

could not because they blocked my account. I tried to call and their answering machine said to call during normal business hours Mon thru Friday. I got my car repossessed 24 hours later. I I was a paying customer and had every intention to pay until my balance was paid in full. I have records of my acct history and can see I have made a payment every month and have not missed a single one since my last deferrment, which I guess it wasn't a deferrment as I never got my contract extended.

I cannot believe this is how they treat paying customers, and I will not let them get

away with this. I am a paying customer that they should have worked with but instead took my car and have given me no opportunity to pay.

Wife lost her job due to loss of vehicle.

I am behind by one months payment, unable to catch up at this time, payments are made on line, rep. said she is going to stop me making payments on-line if i did not tell her when November payment was going to be made, they are also going to re-pos my car. try to refinance or lower payment would not permit conversation.

Extreme high blood pressure, i am being called everyday at work, so far she has been the most abrasive, co-workers witness embarassing situation.

My account with this company has been paid off. T

his company withdrew and extra 922.00 fom my banking acount. I've called and ask about this withdrawal. I was told to sent in the payoff papers from the car dealer and the withdrawal from the bank. I have done both, two weeks ago. I have yet to receive a refund. Every time I call I get a different person. I would like some advice on how to proceed with this matter.

My bank charge me 240.00 for overdraft fees, I colud not pay my other bills. This has gotten us in a tuff situation, as this was part of our morgage payment, we have had to borrow money from family members to try to make it until we get ou refund.

I have tried to get some leniency and understanding from this company and they are so rude and adamant about their company policies. They are a predatory lender who preys on people who have financial difficulties and then insults them because if their problems. They call constantly and send e-mails. They load my cell phone with messages. They will not let me re-finance or reduce late fees so that I can survive financially.

Their customer service people are trained to be rude and use extreme pressure tactics. They don't allow you to explain any dire circumstances or allow you to prove conditions. If you are 1 day late with a payment the phone calls begin and the late fees start. That only puts someone who is having hardships that much more in debt.

Since their interest rate is extremely high I have asked them to waive a laye fee a few times and they tell me that is not allowed under their company policy. I am under stress and losing my sanity while trying to deal with my health. My daughter thinks I am going to have a breakdown or a heart attack beacause of what I am being put through.

I just want the harrassment to stop and would like a way for me to get lower and more manageable payments until I get this loan paid off. And I want some respect as a disabled american on a fixed and low income.

My father purchased a car which was financed through Americredit in February 2004. He actually purchased the car for me. Within the last year, I went through a financial hardship which almost involved a foreclosure on my home. However, I talked with many representatives at Americredit, and to no avail, they don't take good notes, so that the next representative will know what happened prior to the next person calling.

I never signed a contract with Americredit, the car was in my fathers name, but they knew I drove the car. I could not conduct any other business concerning the account, but they called me for payments. However, when it got to a point that I could not make the original payments, I asked for a refinance to lower payments (they could not discuss that with me) so they refused. My father took the car to trade it and we asked for a settlement price to get rid of it, and they refused that offer. They were not willing to work any deal, they just wanted astronomical late fees, plus the deliquent amount.

Americredit has called my job sometimes upto 5 times a day and at my home, (always a different person). They have harassed my mother, who had nothing to do with transaction. This Jennifer Lane person called my job and talked with a co-worker told her that I was driving a stolen car, and that she needed to let me know to contact her. I never signed a piece of paper with them for anything, and they have harassed me on my job as well as my home, just because they knew I was the driver of the car.

After contacting Jennifer Lane (very nasty, unprofessional and rude person) she sent a tow truck to pick up the car on 04/14/08.

This is in reference to a car loan financed by Americredit Financial Services. I unfortunately had gotten behind in payments a few times, and the company suggested I take a deferment to keep my account current, which I did on 3 occasions for 2 months each. I was charged a fee each time, and the deferments extended the term of the contract end date to May 2005 from November 2004. On statement 59 of 60 they added a lump sum interest charge of $1,978.12 which had not been on any previous statements, and I had never been informed of it. When I inquired about it, I was told it was additional interest because the loan took longer to pay back. So I continued making payments until I was offered a settlement which I accepted and paid in September 2005. The interest charges on 3 of the last 5 payments also went up instead of down. Is this right?

As a result they are now reporting my account as 120 days past due on my credit report. Can they legally do this since they didn't add the additional interest until the last payment? How could I make payments before the end of the contract if they didn't add it until the end of the contract?

May 2007 Americredit repossessed my car due to high interest build up from late payments. Payments were sent every month but just not in the right time frame. I recovered the car within three days, but it was already at the Harrisonburg Auto Auction ready to be sold. I paid the Auto Auction $140.00 to get it off the lot. I went on making payments to Americredit. Thinking all was well, in Jan. 2008, I went to Virginia DMV to get the license tags and found out that my name had been taken off the title back in May 2007 when Americredit repossessed it; and they continued to take payments without telling me. I cannot license the car or do anything with it now.

They did send a Power of Attorney that I signed and returned to have my name put back on the title, but when I called yesterday to find out how that plan was progressing, I was told by Deidra at 877-251-0394 that there was a note on my account that the power of attorney was never received. I would like an audit of the payments and interest paid to this company by me. At this point I have no vehicle to drive to work and no hope of getting one. I live in a sparsely populated area and cannot drive an unlicensed vehicle and cannot park it on a State Facility where I work. When Jim Price Chevrolet sold me this Hyundai, the salesman told me it was a program to build up your credit.

Mental stress as a result of how this ended up, and I have no legal vehicle to drive to keep my job. I have to bum rides or take a taxi until this matter is resolved.

This car loan is in my 24-year-old son's name, and he has never been late since he bought the new car in June 2006, and doesn't plan on being late. He is in the Air Force in Tech School right now, and I am taking care of his bills for him. I was looking at these monthly statements, and under the account activity they have for Jan 26 2008 payment received. $325.93 And under that they post in small print Loan payment -$325.93 ($155.43 principal + $170.50 interest) past due amount $0.00 current payment due $325.93 Total due $325.93 However, they are different every month. The payment of Feb is more to interest than principal. How can all of this be? They have nothing in any of their statements stating their interest charges or how much they charge. I am shocked at what amount he has been paying in interest and what has gone to capital. Is this legal? None of my loans are like this, and none of his credit cards are like this. Is this company ripping off the consumer? I didn't want to ask them as they will say everything in their favor. I am going to look for the other statements.

No where on any statement does it tell how much he has paid in interest. You can only take the original loan of 17,093.47 and subtract the current balance of 13,437.72 and you get 3,655.75 for 20 of 72 payments. And the 325.93 times 20 payments is 6,518.60 which is what he has paid to them, so he is not being charged the 12% that the Saturn dealership set him up with. Sounds more like 50% and a bit illegal to me. How can a consumer fight this since they have already charged a huge amount and don't seem to make it easy to supply info? Thank you for your time.

Big loss of money, this is not the car loan from the Saturn Dealer of West Palm Beach that was at 12 % offered to him that night and signed that night between him and Americredit. How did they get away with charging him what they are doing? The Saturn dealer said if he wasn't late on 1 payment, he could refinance in 1 year at a lower rate, but we would like to see if first we need to complain to the right authorities about Americredit before refinancing. We also should not let this co. get away with hurting my son or any other hard working people or youngsters. He was willing to pay the 12% higher interest to take out a new car loan in his own name at age 22 without a co signer instead of having a cosigner and getting it at 6% back then because the dealership told him it would be just for a year as long as he was never late. So he is upset that he has been grossly overcharged and has not been late and has not been able to refinance.

I have a car loan with Americredit. I pay my payment on line because it takes them 10 days to process payment, and they count them late if they are not there 10-14 days before they are due. I paid on line and get a confirmation number, but they wouldn't process them so they count them late and report it to the credit agencies. I still had to pay the late fee for all payments that they didn't process. They said it was a computer problem, but when I didn't want to pay the late fee they blamed me for the wrong checking account number. It is saved on my computer; I pay all my bills that way, and it wasn't wrong. They reported me late, ruined my credit and threatened to take my car if I didn't pay the late fees. That was last year's experience with them.

This year I moved. I told them the new address and e-mail and new job . They still send my statements to the old address and old e-mail, but they call and harass me at work and our front desk. I had a bad year; our house caught on fire and had $9000 in damage. It got us behind in our bills, and my husband lost his job. When I tried to arrange help, they told me that my life drama wasn't their problem, and I need to pay my bills. They sent a man to get my car 3 days before Christmas, but the car wasn't there. I've been theatened, harassed, yelled at and put down by their representatives. I can't find one person who will listen or help. They call my cell phone 20 times in one day and filled my voicemail, and my battery went dead. I have four children that couldn't get a hold of me if they tried. I still can't get help. Can you help me? No attorney can or won't. I get my income tax back soon and want to get this settled so I can trade this car in to get away from this company, but they have ruined my credit.

They have caused my boss to get so upset that my job is threatened. I've been so stressed out! I can't drive the car in fear that they will take it. I'm trying to caught up, but the interest and late fees are so great. I have paid $1000.00 in the last month; other bills get put aside. I couldn't afford Christmas for the kids; my family had to get help which was so humiliating. I sent all I had to them to stop it.

Collection rep named Hosea was really out to to make a name for himself. And he did, in all the negative ways possible. Rude, disrespectful, antagonistic, belligerent, lying, refusing to supplying information enjoying his conrol fully...finding humor in the fact he had the power to 'make me conform' to his request and I was helpless and without any information or anyone other than him in the entire company to speek with(which was his quote) until I told him when I would pay the late fee.

I called to make a payment he refused to accept without the late charge. After he 'hid' in the payment total. When I questioned why it was the amount he requested, he then admitted it was with the late charge. Saying other people, hadn't done their job by not collecting. Making the entire focal point over a late fee insteat of taking my payment.

I do not have our clear title. We made 60 payments of $399.00. Because of deferments we paid for 67 months. With 6 payments to go our car was reposessed after paying off all late charges, interest and all fees for the repo and making 4 more payments, we finally got our car back (with items missing our of our car). Only 2 payments left we were told we would be receiveing our clear title because everything was paid off because of the reposession we were brought current with everything. The last 2 payments were made. 3 months later we had not received clear title, I was told we still owed over $2400.00 after speaking to many people no one could tell us why we owed the money. We had a charge-off on our credit report done July 2004 which stated my installment loan was for 67 payments. Loan was for 60. It took me until now to figure out the mistake so I decided to write letters to show them why we do not owe the money and never heard back. Please help if you can

This has effected our credit report and we have had trouble getting our car registered. Many economic problems because of credit report and the missing items from our car at the reposession totaled over $700.00.

They call at 6am and on Sunday, call people that have nothing to do with me or my loan with them, looking for payments. They are rude when you do speak to them. Now they charge an extra $5.00 to use western union. I don't use WU, I have a checking account. They return checks and then harass you for days that you didn't pay when they actually returned your payment.

I have been threatened by them over the $5.00 and they have said they will call anyone listed as a reference and harass them too even if only 1 day late.

I was let go of my employment, my father passed and I had to take in my grandchildren, 5 years and 16 months, due to parent neglect. I can't recieve help for myself. Unemployment is coming so I asked to refinance and a later payment. They call all day and night. I told them I just need one week, and they it was not their concern.

I can't be without a car. I live to far from town to walk, and with young children it is very hard. My credit was fair untill now. I have checked to see if a lawyer will help, but it is very expensive. And most can't help.

I paid on a car that was in my daughter's name from August 2003 until October 2007 (4 years). The purchase price was under $12,000. The payments were made each month, but because they often said they were late, they added outrageous late fees. Then they repossessed the car in October-3 days after they said a $400 payment would bring the account up to date with all the late fees. I have paid over $14,000 for this car and it really should have been paid off. Please help me with suing them so I can get some of my money back or my car back..because this was just not right.

Through Kendall Mitsubishi, I bought an automobile that they financed me through Americredit. They told me Americredit would refinance if I needed it, and also lower my interest when needed. As a divorced mother of four, I have been facing great obstacles in my life and found myself unable to keep up with bills. Americredit allowed me once to postpone payments for a month. It helped me a little. However, now that I need it most, they are not doing anything at all. I am receiving phone calls every single day at work and everywhere else. I am at the end of rope.

My credit has been damaged, now completely. Unfortunately, all these happenings are affecting my kids and my work. I need help.

I needed to purchase an automobile six years ago and unfortunately had less than desirable credit. The car dealer found Americredit for me. I have been paying on this loan for 6 years now at a ridiculously high interest rate. I have asked them throughout the term of the loan if they would refinance at a lower rate and they wouldn't even entertain the idea.

Now that I am on my last payment of $362.21, they tell me I have a balance of $4600!! The original amount financed was only $15,000 so on top of the $8,000 I paid in interest, they now want what is equivalent to almost 1/3 of the original amount financed in order to consider this paid off!! They tell me that because I chose to pay my loan late throughout the course of the loan, that I incurred additional interest charges EACH AND EVERY DAY!! This is utterly absurd.

I made 47 payments at the agreed price on my contract using the internet. Then Americredit instituted a $5.00 per payment fee for anything other than US Postal or autopay.

I pay all my bills online. I did not have to pay this previously, and it was not part of my original contract. This is somehow tied to a deal they must have made with Western Union, and $5 x thousands of customers sounds like a scam to me.

I had a loan with Americredit for over 2 years when I was laidoff and missed two payments. I made payment arrangements and made good on every promise.

Then the calls started. They called my references including my best friend's husband every day. Then they called my mother and told her that they didn't have a good phone number for me. This was after 2 days of talking with me on the phone!

I thought that a creditor could not continue to harass you at work.

I have been on family medical leave for the past 5 months. During that time I have been in contact with Americredit regarding my truck loan. Most recently my employer pulled my medical sick bank time and I was left with no income for 2 months. On many occasions I spoke with 2 or 3 different people at Americredit about my sitatuaion. Each person was unaware of the previous person contacting me. My phone would ring at all hours of the day and night including weekends and holidays.

Finally, I was given a one time offer to take the 2 late payments and place them at the end of my loan. I was then to get back to my regular payment schedule. Unfortunately my disability payments will not start for another 3-4 weeks. In the meantime a severe wind storm dropped a tree branch on my truck causing several thousand dollars in damages. My insurance company issued me a damage check.

I contacted Americredit and spoke to one of their credit supervisors. I requested that the insurance check be applied to my late payments stating this would help me get caught up. I was told I could do this. I was again contacted by Americredit and told that the check had been applied to the principal and NOT the payments. I spoke to another supervisor and was told that no one at their offices had given permission for the check to be applied to payments. 2 days ago I was in receipt of a letter stating that per my request the insurance check was applied to my loan principle. This is an out right lie as I NEVER gave permission and it is ridiculous to think that I would make such a request when I needed to catch up my payments.

I offered to turn in the truck to their location. I made it clear that if they were going to repossess my truck to tell me now so that I could clean my personal things out of it. I was assured that it would not be taken. At 9:30 that same evening, my truck was re-possessed. The crew that came to pick it up told me that it was noted on their paper work that the possession was noted as hostile. Again this is a lie as I offered to give up possession on several different occasions.

I totaled my truck, the insurance company paid the loan amount, with the balance left for me to pay. Americredit turned it over to a collection agency, which in turn offered me a settlement. I paid the settlement, and then Americredit turned it over to another collection agency, which is now hounding me to death about the balance, when I told them that I paid a settlement over 1.5 years ago, they are still reporting it as unpaid on my credit report. They refuse to contact Americredit and Amercredit refuses to admit that the settlement has been paid.

I was supposed to be a co-signer on the account but I was somehow put as the primary. They will not work with me.

They harass me at home, on my cell, at work. They block their number and pretend to be a friend when I answer. They leave voicemails saying: "hey girl... it's debra. when are we gonna get together? call me at ... and we'll figure it out!" When I call back I get, "you have reached Americredit".

They call me at 6 am, they call me at 10:30pm. They will not listen to reason... they argue with me when I have a crying baby in the background to the point where I have to hang up on them. Because of this company, their antics and there lack of reasoning, my credit score is close to non-existent. I was qualified to buy a home a year ago... not anymore! Thanks Americredit!

I bought a 2001 mustang for my daughter. Everything was going fine untill she got laid off from work. She steadly got behind and asked Americredit to lower her payments. The reply was NO. I asked to refinance the car and NO was the answer again.

My daughter is fighting to make the payments but the interest and late payments just put her farther behind. The car will take 10 years to pay off because Americredit refuses to help.

In May 2006, We mailed Americredit 2 separate payments one for $65.00 just to go to interest and one for $535.00. (my payment is $533.00) Americredit cashed the $65.00 and said they never received the $535.00 even though they were in the same envelope. We called our bank and put a stop payment on the check to Americredit. We immediately made a payment online to them. In June when I sent the payment to Americredit, the payment was stopped by the bank by mistake thinking it was to be all payments and not just the one for May.

On June 29th Americredit came to our place of residence and repossessed our vehicle due to non-payment and we told them there must be some mistake as we had made a payment in May and June. They said that the May payment was late and the June payment was stopped payment. We told them that the May payment was lost by them and that we had to put a stop payment on the check and that is why it was late. We had no idea that the bank had indeed put a stop payment on the June payment also.

We told them we could make them 2 payments on the spot over the phone and would call the bank in the morning as it was after 7 pm and the bank was closed. They told us they would have to repo the vehicle anyway and we would have to get it back in the morning. The next morning my husband called them numerous times on the 30th and paid the past due amounts, the late fees, the next month's payment and all the towing charges but we were not able to pick up the vehicle until almost 4 pm that afternoon as they were reluctant to even tell us where our vehicle was located.

In July we sent them a payment for August as our payments are due on the 2nd of each month and the check for $550.00 cleared our bank on the 17th of July. Americredit still does not show any receipt of that payment and now the 3rd of August, say that we owe for 2 payments. We had the bank fax them a copy of the cancelled check on July 28th 2006 and information showing that it had indeed cleared the bank on the 17th of July 2006. On Monday, July 31st we called them asking that it be corrected in our account and were told that they had 48 business hours to check with the bank and to call them the next day. We did so and asked to talk to the correction department who was supposed to be handling the matter and were told we were not allowed to talk to the correction department.

Today is the 3rd of August, almost a week after the bank sent them verification of the cleared check and they still have not credited our account with the payment. We are afraid they are going to try to reposses it again even though we are caught up but they are not willing to post the payment to our account.

We were without a vehicle due to the repossession on the 29th of June. We had to pay to put a stop payment on the check they lost. We had to pay tow charges along with storage and repossession charges. There is now damage to the right side quarter panel of the car due to the repossession company and feel that Americredit should be responsible for this.

I purchased a car on August 15, 2005. It was financed through Americredit. I traded the car May 9, 2006. The payoff amount was quoted to me as more than my balance. I find this very unethical and have never dealt with any lender in which you did not receive a substantial amount for paying off the loan early. I feel I should be given compensation since I paid off the loan 58 months early. This is clearly misrepresentation on their part. Had I known this at the time I purchased the original vehicle I never would have done business with them.

I ended up paying the entire amount of the loan - interest and all. I feel I should be entitled to compensation for paying off the loan 58 months early.

I paid this account off through a lawyer during a home refinancing. The check was mail to americredit im may 2005 in the amount of 18,111.00. Also we were instructed on all checks put paid in full. This company accepted and cash the check, but they have never stop harassing us and they have continue to report negative information to the credit bereau every month.

This is constantly hurting us in the credit department. We have attempted to solve this through the credit bereau but they continue to imput whatever this compay say.

I am having financial hardship. When I purchased my car from Toyota of Long Beach CA I was naive about financing process, they allowed me to purchase the car with down payment even though I had credit issues, they said not to worry. I recieved 2 refusals from to other co. and approved by Americredit. I make on line payments since I never know when I can make my payment. If there is an error processing payment they don't inform you they just double bill you charging you late fees and western uion fee for processing, don't forget the interest.

If I make an error it takes all day to get thru and when I do I they refuse to help, they refuse to transfer to mangement and when they do they disconnect call, it takes me calling back 3-4 times demanding not to be disconnected and speak to management to have an payment error corrected and after all that I was charged for it. I don't know what time age their since they use Western Union to process payment. I do know this all other companies have their own charge machines so are even linked with P.C.'s, even small revenue companies have them.

I lost my job in August. I contacted Americredit and deferred my August and September payments. In December I started getting harrassing phone calls from Americredit, 2-3 times daily, telling me that I was 3 months behind on my car payment. I explained about the deferred payments.

In January I got another call from Americredit telling me I had not made December's payment. I verified my payment. 3 days later I get another phone call saying I had not made a payment. I again verified January's payment and "Romeo" was confused on why he called me.

2 days later I get a phone call from the financial manager stating I had not made a December or January payment. I was baffled at this point with the lack of communication skills in the company. I again verified both payments.

Again this month, Febuary, I get another call from them. I told them I was going to photocopy all my payments and have my lawyer contact them to straighten it out because they had ruined my credit.

Americredit told me they didn't have time to deal with my lawyer. It's funny that they have time to make 2-3 harrassing phone calls everyday, but they don't have time to straighten out their mistakes with my lawyer.

Horrible customer service, extremly disrespectful and rude.

I am late with my car payments because they are too high and my income has decreased. However, I am not that much behind and I am catching up.

The problem is that Americredit is calling me at work at least twice a day and leaving embarrassing messages that my supervisors and co-workers hear. They call everyday no matter if I speak with them or not. I have asked that they stop calling my job and they refused.

I've had a car loan with them for 3 years. Due to surgery and subsequent financial losses I have gotten behind in my payments. In 2004 they offered to place 2 payments at the end of the loan due date for a fee of $123.00. That essentially was the beginning of the problems.

Americredit reps have called every day, for over a year, on my cell and home phones asking for postdated checks. They also call on the same day they receive payment for the next promised payment.

I have discovered some of my monthly payments have been applied to interest only. I sent a letter to AmeriCredit asking for reduced payments. Cutting the interest in half would solve the problem, but so far that has not been an option.

I lost my job and took just under 2 months to get another job. Americredit would not allow me to change my withdrawl date without being up to date. They would not allow me to add the payments onto the end of the originally agreed term of the auto loan.

This company is very much like the Capital One commercials where the only answer they know or give is NO! I continued to make my payments every month being 2 payments behind and had to fork out $20 for every payment as they would not accept post dated cheques, only Western Union payments.

I would go without rather than ever deal with this company again. They take advantage of good people in bad situations and harass without regret.

We have fallen behind with our payments. If we are just two days late with our monthly truck payment they call and leave a message -not just one message, but 4 messages at home, 3 on my cell phone and 4 or 5 at work. They do not even give you a chance to call back. They do not realize that we are working to earn the money to pay them and yet they harrass you to no end!

Even this month I was able to return the call and report the payment schedule for the next few weeks and still had three messages at home, two on my cell phone and they called right away this morning at my place of employment.

This is nothing short of harrasment. I have contacted the dealer, where we purchased the vehicle, and informed them I do not think this is a company that they should continue to do business with.

Signed a loan with Americredit then my husband & I both lost jobs. We have been trying to get caught up, but Americredit will not work with me.

They call all the time, to my work, friends, family - not once, but several times a day. Most reps are rude and get conflicting information, etc. They told me I could not have a payoff because I was 27 days late.

I have sent cease & disist orders - they ignore them. Asked them not to call cell phone - they still do. I have had as many as 8 phone calls a day for only being 10 days behind. Calls at home start as early as 7:30 a.m. on weekends and weekdays and continue after 9:00 p.m.

My advise - do not use Americredit! They do not work with you at all.

I had some medical problems and got behind on my payment. When I talked to "Amanda" on 12/5/05 she saidI could not make a payment on line because I was 62 days past due. She said I must do a check-by-phone for a fee of $7.95 or Western Union payment for a fee of $12.95. I was $90 past due for 60 days.

I have $450 to give them right now for my back payments but they refuse to take any of it until they get the $90. This stress is uncalled for.

I financed a vehicle thru this company, had some hardships in my life, and got behind on my payments. But I did tell them that I would pay off the loan, which I did in August of 2005. It is now November 13th and I have not yet received the title to the vehicle.

I called to inquire about the title and was tranfered to four different people before ending up with someone that was rude, not to mention no help. I was told that a release of interest was mailed to me on September 6th 2005. I told him, "This is true, but I still have no title". I was told to take the papers to DMV and pay for a new title.

The Americredit rep said "It looks like you settled this account" and when I said "yes, I did" he said "Well, then the way I see it we lost money and I think you can pay for another title because we don't know where it is"!

I have tried three times to get a title to my vehicle with no good result coming from any of the attempts. I think this is very poor business and don't know that it is legal.

First: I'm a displaced Hurricane Katrina Victim from St. Bernard Parish, LA now living in WY. Second: I went through a divorce earlier this year and my ex-wife stopped paying my bills before she served me the papers.

Americredit called for their money right after the papers were served and I set up a deferment with them (which costs money) with the first post deferment payment due on September 3, 2005. Oops, didn't expect a devastating hurricane to mess up my payment plans so I repeatedly tried to call Americredit in the days after the hurricane with no luck. I finally was able to email them which they answered with some automated reply message.

After about 6 weeks I was able to contact a customer service rep who kept trying to get me to say that the vehicle was totaled in the storm. When I explained that wasn't the case they became very belligerent. They told me that they didn't care about the hurricane-it wasn't their problem, that they wanted their money and they wanted it now.

I made a payment on 11/1/05 and the next day a rep called me, and said that they were trying to locate the vehicle in St. Bernard Parish and were unable to do so. I once again explained that the vehicle wasn't totaled. Again they were angered and said that they had it listed as totaled and they are filing an insurance claim on it. They wanted me to sign a voluntary repossession on the vehicle!

I said no way, that I am making payments on the vehicle and keeping it and that’s that.

Americredit has been horrible with the post hurricane business it is conducting. I realize they don't have to do anything, but filing a claim on a vehicle I told them was not damaged doesn't seem right.

In April of 2005 my husband and I refinanced our home and paid off our vehicle loan thru Americredit. Americredit applied our payment to my husband's ex-wife's vehicle loan by mistake.

In May, when they were finally able to verify where the check had been applied, they reapplied it to our vehicle except they applied the $29,000 as payments. They placed our check in a "hold" account so they could then draw monthly payments with interest out.

Since our intention was to pay off the vehicle, we were instructed to get another payoff request, and they would apply the amount paid correctly while removing the additional late fees and interest. HA! They waited until August, 2005 to send us a past due amount of the interest that occurred while they were clearing up their mistake.

In September we were able to obtain what we hoped would be the final balance to pay off this vehicle and obtain the pink slip, only to find out it was over $400.00. We were then told not to worry there was no time limit on it because it was just the processing fees and balance of interest. In October they tried to repossess our vehicle, all the while they would not listen to anything we had to say regarding the misappropriation of funds. All americredit wants is money! As of today we have paid them an additional $450.00 and are still hoping to have our pink slip come in the mail, but as it is November...I highly doubt this is the end of our trouble with them, But i can assure you. It will be the end of our financing thru Americredit.

In the mean time Americredit continued to harass us atleast 5 times a day.

I am being hassassed by Americredit via a fax machine. Their fax machine calls my nunber 2 or 3 times a day and hangs up. I have caller ID on my phone, so I know where calls are coming from. I have never had an account with this company, nor have I ever done business with them. The calls first came from their North Carolina Fax, now they are coming from their fax machine in Westerfield Ohio. I have made contact with the Attorney General in Kentucky and requested a complaint be issued against this company.Also, my telephone carrier has sent a fax to Americredit's fax machine via the number I gave them. Bell South requested that I be taken off Americredit's fax calling list. Any help your services can render will be greatly appreciated. Thank You Othello T. Brim

I filed bankruptcy and had it discharged as completed thus freeing up my car which I recieved with a loan from Americredit. upon completion opf the bankruptcy I notified Americredit so I could recieve the title and possibly sell or trade in the car this was a year ago. Americredit is withholding property from me, the title to my car.