GM Financial Reviews

BUYER BEWARE! GM Financial gets a 1 only because 0 isn't an option. I recently leased my first car at a GM dealership through GM Financial. After getting the monthly payments down to where I wanted them to be I agreed to sign. What no one bothered to tell me is that the monthly payment they show you is not the monthly payment you will be making.

I just took out a lease with GM Financial for a new car (car dealership selected for me). I waited to receive payment information in the mail, as I wanted to set up automatic payments as soon as possible so I wouldn't have to worry about missing a payment. I set up my auto pay as soon as I received the information to do so. I've never missed a payment in my life, but logged on to my account last night, and to my surprise saw "Payment Past Due!" in bright red text.

I took out a car loan with Americredit in 2002. The car was repossessed after I got laid off in 2003. The IRS just notified me I owed them money because Americredit 1099 me. Today I get a letter from State of Alabama wanting an additional 300.00 because of Americredit. I didn't even live in Alabama when that loan was taken out in 2002. I didn't move to Alabama until 2008.

I have had my auto loan through Americredit (GM Financial) since October of 2014. They have been a pleasure to do business with. I fell behind once during the past and they were quick to work with me to get me right back on track. Couldn't be happier.

I took out an Agreement with GMAC car finance in 2009. The Agreement came to an end in November 2014 but during this period GMAC failed to credit some of my payments. This has been going on now for 2 1/2 years and I've now sent 8 times proof of payments made via bank statements and financial statements. I had a debt collector who realised I'd paid and returned the case back to GMAC who later got their Solicitors involved who also realised that everything was up to date. Shoosmiths requested bank statements from 2011 to the present day when they came on board and when I told them that GMAC already had copies, I was told that under the Data Protection Act GMAC had destroyed them as they were no longer fit the purpose...WHAT. The dispute was still ongoing.

I now have been sent a notice by the IRS that I owe tax on an unpaid debt, which they call income. I was never notified by this company of this. Lost my job, house, and car in 2009. In 2013 owe the tax on a car repossessed 5 years ago.

So I purchased a car from them in 8/2015. Gave me $1500.00 down and payments were $369.00 a month, I became ill and started falling behind. Almost lost my house. Now I'm trying to make arrangements with them since I will be receiving a refund in the next week or 2 and they keep just telling me "We can't wait, we need it today!" The agent is out actively looking for your vehicle and it hasn't even been 90 days past due. I'm not sure what the rules are but I don't think they can repo that soon... Can they? Regardless if they can or not I will never deal with them again. I had a bank that worked with me for a year before when I was 20 years old and never once said anything about repoing.

Years ago, I was not very financially healthy. I needed to purchase a reliable vehicle. The dealership approved me for a loan under terrible terms. I had no choice! I did as asked. It was not always pretty and on time, but I finally paid off my loan that was financed with GM financial. There was a few late fees, call here and there from their collections dept, sometimes a partial payment. Bottom line, it has been paid off!! So, where is my cars title or pink slip? I have not moved! They have my address. I know they do because they use to send me monthly bills. My mailman seems solid, my mail box has a lock, no one else gets the mail but me.

I paid my loan off weeks ago and have yet to receive my title. I was told 14 days, 14 days later I was told it would be another 14 days. To expedite, I sent a fax as proof of payment, it was denied. NEVER GET A LOAN FROM GM FINANCIAL!!! THE WORST!

This is the worst company ever to do business with. Will not help a family in need of assistance. There is no type of hardship help so if you ever come across hard times expect for your vehicle to be repossessed. Please do not do business with this company.

After visiting a local dealership, I was informed that GM Financial, also known as Americredit had approved my loan. Three weeks later, I was contacted by the dealership that the car had to be returned because the loan fell through. Supposedly, the check stubs I provided were fraudulent. What made them determine the check stubs were fraudulent? The numbers didn't add up.

I called AmeriCredit/GM Financial. They are crooks. If I had known who they were never would have finance the car.. Called if I wanted the car, lot of good that did. They refuse to work with me after calling two supervisors. Never never use this company..

We were happy to get the car. We had even with a high rate of interest. When we purchased the car, we didn't realize the depreciation on the car would grow at a higher rate than the principle would drop. 5 years into a 7-year loan we still owe 70% of the loan amount, which is twice the value of the car. The car is now a total loss. Everyone asks if we had "GAP Insurance". I've never heard of GAP insurance. When I talked to someone at GM I asked why GAP insurance wasn't a requirement on these high-interest loans. He said they couldn't require it. Nonsense, they require collision. Why not make GAP a requirement if you know that most of your clients will be upside down on their loans?

I have no clue how you are allowed to finance a car to someone at a 200% above the market value. I bought a 2011 Audi A4 from Clay Cooley Nissan and it was financed through Americredit. The finance guy did some fraudulent things when coming up with the payment options, so now when I go to trade in the car owe 15,000 more than what the car is worth! WTF and let's not talk about the payments I have at $600 a month. I was told when I got the car that I would be able to refinance through Americredit but yeah that isn't true. Even though the guy at the dealership did some fraudulent things, they still will not help me get from under the crazy high payments or get from under all the negative equity in this car. I will NEVER EVER buy a car from them... To make matters worse, I'm stuck with a 12.5% interest rate when I just got approved for a 1.65% interest rate through my credit union.

Bought a car in January of 2012, had automatic payments taken out of my bank account for over a year and a half. The car was about 6000.00, just a second car to get to work. I moved to New York, fell behind on payments. They shut off my car while I was at work. They turned it back on long enough to get the car home the next day. I start sending them 300-500 every other week to get caught up. Three months go by they say I'm still not caught up. I told them "I'm not paying another dime on this car, you are ** me over." Lo and behold after they repossessed the car a year and a half ago, I get a letter in the mail. I have a bank judgement against me for 6621.06. Really now? My checks are garnished every week between 60 and 100.00, how fair is this!!! Stay away total crooks!!!

I went to a car dealership in Lithia Springs, GA back in March 2015 to see if I could get a car. To my surprise I received an approval from GM Financial aka Americredit. The down payment was out the a** but I went ahead being that I needed a vehicle for work, doctor's appointments and etc. I've been paying them on time with no problems at all until I left one job for a better paying job (my mistake) which caused me to fall behind. I've now missed a payment and I spoke with a representative about changing my payment date but was told I couldn't because I needed to make a payment first. She asked if I wanted to make the payment an automatic draft and I said no being that I didn't have all the funds going to an account that they accepted. I kept sending them whatever money I could being that I have other bills and now I've finally made up one month worth of payments but now in all they're saying I owe over $1200 for payment and late fees.

I bought a 2013 Kia Soul brand new, credit was not so good but at the dealers was told I got 10% interest, papers even showed that. Forward to 2015 I lost my job, called them immediately to see if they would work with me. They said as long as I paid something I would be Ok. Next thing I know my credit report shows me 60 days past due with them, I call as I am not late on current month and they tell me they bill a month ahead. I'm like "you can't report me late for a month that hasn't even got here yet?" I went to another bank to see if I could refinance my loan for a lower rate and found out that my rate was 16% not 10. Somehow they changed the paperwork after I left the dealer, and I never questioned it. They are horrible and a bunch of crooks.

GMFinancial. What a crock. Wife was recently laid of. We immediately called and asked them for a deferred payment for a month because we knew things were about to go downhill quickly. They absolutely refused to work with us. We have never missed a car payment ever, not even a day late. Only reason we got stuck with a company like this with poor interest rates was because of some major medical debt we incurred several years ago. Now they call and threaten to repo the car.

This company approved us for a car then came back and said I have to turn it in because I can't afford it. Who the hell are you to tell me I can't afford? I do have other income. I was at the dumb dealership for 8 hours. Why the hell would you let me leave with the car then say 3 1/2 weeks later we have to return it? It's just awful. Not to mention I have a disabled daughter who can't open and close a normal car door. So when we got the van she was so happy that all she had to do is push a button to open and close her own door and the van sat lower so she could get in and out with no problems. I wouldn't recommend anyone ever using this company - just plain awful or go to Hunter Subaru they are just as bad as AmeriCredit. I guess that's why they work together.

I contacted GM Financial in reference to request a refinance or restructure my current auto loan based on my decline in my income status. GM advised me that they didn't do refinancing for the vehicle loans. I attempted to apply for refinancing of my auto loan with banks and credit unions but I was being denied approval based on my low credit score. I contacted GM Financial to speak with a manager or supervisor, but the end result was still the same. My last end result is to voluntarily give up the vehicle, but I have to find another vehicle that is more less in value as well as lower in payments.

I moved to south Carolina in 2005. I couldn't find a job until a year and half later. A family member said they would pay the car note until I found a job. I did not know until they did not pay 3 to 4 payments and GMAC notified me. Since I had no money to pay, I told them to come and get the car. So, I surrendered the car to them. They decided to sell a $33,000 car at auction for 9,000.00. They took me to court. Since there was no money for a lawyer. I paid one to write a rebuttal to GMAC's claim of $15,000 plus court costs. I am 71 years old, had a heart attack and had to retire because of it. Never will be able to pay them off so I cannot ever refinance my home.

Well, I had a car financed through them in 2006, lost my job. Car repoed in 2008, just received letter from IRS say I owe almost $3000 because of income reported by Americrooks on my 2013 return. Needless to say, I have not received the 1099c. I was supposed to receive to file with my taxes to avoid this. I have never owed the IRS money. I am livid.

They are terrible, they called me to welcome me on a Monday then by Friday I found out they were pulling back the financing. I had my car for a month and now I had to bring back the car. This is the second time they have done this to me and my husband. They suck. They always the first to give an approval but they will pull back your financing. Don't do business with them ever.

It's 5:41AM and our family vehicle was just taken at 3AM. We had been set up with automatic payments and didn't realize for some reason they hadn't taken it out the past two months. We never received a phone call attempting to retrieve payments and we received one letter of past due amounts YESTERDAY that was dated the end of March. What kind of company doesn't try to contact someone for payment until they're taking your vehicle? Now I have no way to take my children to the sitters or get to work, therefore I will lose my job. I'd stay away from this company!

Back in 2007 I financed a car with AmeriCrooks and was later unable to keep up with the high payments due to a job loss. I called to see if I could change my payment amount or loan term length because of hardship. They said there was nothing they could do except take the car back to which I agreed. Fast forward to 2015, I get a letter from the IRS stating that I owe them 1600 from my filing in 2014 of my 2013 taxes for not submitting a 1099-C form from AmeriCrooks. I spoke with my tax preparers and they asked if I can bring the form in and why didn't I include it with my W-2. I told them I never got the form our was aware of the issue. I was told to contact the IRS by my preparer and told by the IRS to contact AmeriCrooks who said it was out of their hands now. NEVER DO BUSINESS WITH THESE CRIMINALS!

Our new 2007 Toyota Scion TC was repoed Jan 09. Got a letter from Americredit saying they auctioned off the car and we still owed $9000 something. Never heard from them again. Until 2015, after I have filed our taxes and received the refund I get a letter from the IRS stating that our reported income has been adjusted because Americredit reported to them that they "forgave" our debt. Now we have "extra income" that we didn't report and have to pay back the IRS $2000 by March 25th. What the hell is that all about!!?? Why didn't this money get reported way back then and by the way, I never received anything from Americredit like a 1099 to even know that our debt was forgiven to even give me the head up to file. This is ridiculous.

Back in 2003 I was involved in a accident which the vehicle was a total loss. Now 11 yrs later I get a letter from IRS stating Americredit reported $7848 & I owe $1900.00 of taxes. IRS said finance co. does not want to pay taxes therefore I'm liable. IRS said to call Americredit & find out what is the fair market value and to reported to IRS because it should be less than what Americredit is reporting. Also to question once taxes is paid off is it going to close all dues? I sure hate to pay for taxes and the car was a total loss. I got laid off from my job last month so right now money does count. I want to make sure I won't get anymore letters from IRS.

Bought vehicle in approx 2005. Went through a divorce and moved to another state. Payments were high and unable to keep vehicle. I had it voluntarily repoed in 2007. Skip to 2014 and get a letter from IRS stating I owe money from taxes in 2012 because they adjusted my income for 2012 and owe money from the sale of this vehicle in the amount of 2600. I never made anything off this sale they are claiming and haven't had this vehicle in over 7 years! So thanks to them I just had 2700 yanked from my tax return for 2015! Total BS! I should send them a bill for my money back and interest for the past 7 years!

I purchased a 2012 Chevy Cruze and fell behind because I lost my job of 12 years. I called GM Financial because they always said "if you need anything, call, we'll work with you." Well that was a TOTAL LIE. My payment unfortunately is 530.00 a month due to the fact that I had another car through them back in 2006 that I paid off but they still gave me bad credit. I should have known better than to use them again but I did anyway. Well their way of helping me was for me to make a payment and a half until I was caught up. Well how the hell can I make 1 1/2 payments if I'm having trouble keeping 1 payment on time. They don't want to help you, they want to screw you. I want to tell them to come get the damn car because I'm so tired of their crap that I don't care anymore, but if I do that then I'm out a vehicle and won't have transportation to my new job. I HATE THIS PLACE AND I WILL WALK BEFORE GOING THROUGH THEM EVER AGAIN...

After purchasing a car through AmeriCredit in 2008 my wife became permanently disabled reducing our monthly income to less than half. The car payment was high and we could not afford it any longer. Repeatedly told them of our problem and finally had to have them to just "voluntarily" repossess the vehicle, which they did. They sent me a letter at the end of 2009 stating I still owed them $28,000! Later in 2010 they send a letter advising they sold the vehicle for $12,000 and I still owed them $28,000. They turned over this amount to the IRS five years AFTER the fact!!!!

March 2007, I financed a 2005 Vehicle with Americredit. In 2009 I lose my job and was essentially unemployed for about three years. Instead of turning the vehicle in, I continued to make payments through those tough times. What do I have to show for it? Totaled vehicle in a crash still owing $3400 with a charge off on my credit report.

I got my car New Year's Eve 2011 from a car lot I've always trusted. Unfortunately the financing was through americredit. I'd always made my payments and was even paying extra each month when I lost my job of 20 years in March 2013. It's been a nightmare ever since. I fell behind, but was paying them what I could. I'd called them and promised to mail them an entire payment and the very next day the car was gone. I paid a huge sum of money to get it back after selling something very dear to me. This was in January of this year. I've managed to keep this car by selling other things and then I finally found a job. The car, a Dodge Caliber, has needed so many repairs recently that I have fallen behind again. I talked to them today and the woman was so snotty and unwilling to work with me or even discuss what a mess this car is. It's up for repo again and I realize from reading these posts that even if I win the lotto tomorrow and pay it off, the car will never be mine because of the way they withhold the title and then come up with imaginary fees! I've paid $9000 on it and owe that much more still. I give up and caution anyone from signing with these clowns.

How is this company still in business? I got a car in 2005 for my daughter. She got pregnant so I took the car and was making payments between supporting her and the baby and trying to survive. I fell behind in my payments. They didn't want to work with me and eventually repossess the car in 2006. Went and got my stuff out of the car the next day then got a notice they had sold the car at auction and I owed 5000 and something dollars. Never heard from them again. It is now 2014, I have had several strokes and am on disability. The IRS sent me a notice saying they received a 1099 from Americredit that I owe taxes on the 5000 and something dollars. How is this possible? It's been 8 years and it's not even on my credit report anymore and why wouldn't they have turned that in years before? What is wrong with this company? They are crooked business people that for sure they need to be put out of business. Period.

I bought a 2005 Dodge Stratus during the latter half of 2006. I was unable to keep up with the 472 dollar payments per month, and voluntarily returned the vehicle in 2009. 5 years later (and four and a half years after the vehicle had been sold at auction), AmeriCredit tried to say that they had issued me a 1099c (they didn't), that I had made a 9,000+ profit through THEIR sale of MY old car at auction and thus tried to pass off responsibility of the debt to the federal government. They tried to say that the debt had been "forgiven" (it wasn't, it still shows on my credit report as "in collections" five years after the vehicle was returned). This company's license should be YANKED.

I did a deferment to get caught up on my car loan. No one told me that if you miss a payment that the car would be taken. So my husband paid them and a couple of days later the car was towed. I cannot get my possessions out my car if I don't pay a 95 fee.

I have been mis-sold a Vauxhall Mokka and GMAC are not willing to assist in resolving the issue. I have been in contact with GMAC/Vauxhall/Evans Halshaw St Albans. GMAC are only concerned about their dealer relation and has no interest in their retail clients... TOTAL DISGRACE.

I bought a new 2013 Dodge Journey in March of 2013. I paid faithfully every month just to learn that I somehow owed almost 2000 dollars February of 2014 in interest. They threatened to repo my car if I didn't pay the interest fees, so I paid them. Everything was fine until repo men showed up at my door today August of 2014 claiming to have a repo order on my car due to non payment? I have paid every month. I may have been a couple of days late with it due to my pay days but I do pay my car every month. Now they are saying if I don't pay 1,890 that they will take my vehicle. They are a scam!!

I too had a car loan from them. I was out of work and was waiting on my check when I looked out the window and seen them taking my car. Never heard from them till I got a letter saying it was sold at a auction and I owe them money. Now today I get a letter from the IRS saying I owe them money for a money received from that sale. What the hell. I see others had that problem too. What did you do? I never received any money!!

I financed a 2000 Nissan Frontier 8 years ago! Paid it off in 48 months and never received my title! Wanting to sell truck and they still show GMAC/ALLY as lien holder. So trying to contact someone to help with this is so irritating! It's like DUH!!!!! What to do and who to talk to is like tossing dice!

I had a loan with Americredit. I had lost my job and then were good about payment arrangements. I ended up with paying past the end of loan term... Paid off all but $5.00 - my mistake. I received letter in mail stating they had no more financial interest in car so DMV sent me title. However, unknown to me, they actually charged my car off. Now I have charge off on credit file with zero balance owed reporting negatively.

They are evil. I have had my chevy cruise since 2010 and unfortunately, was fired from a decent paying job. Well, guess what Americredit did? They told me they would keep putting my car payment thru until it cleared. They bounced my checking Acct. after I told them what happened. I would not finance anything with wheels thru them. If u want a comment from me, please call me. Also the interest they charge, are they trying to own the car that I am paying for?

Americredit/GM Finance will call you non stop! Early reminders on your payment date, and if you're late 1 day. They also tack on interest from the moment your late and offer a deferment payment with interest also tagged on. They have reported my deferments as late pays to Trans Union and once my car payment is finally payed off, I will owe $2800 in deferred interest and late payments according to them. They are an Evil Company, no skip a payment for Holidays - nothing! This has been the most harassing company I have ever dealt with and the worst isn't over!

I had a car loan through Americredit and fell behind due to illness. I owed around $1,500 before the car would be paid off and was behind on car payment which was $303.80. I was making my monthly payment of $303.80 and around a hundred dollars extra each month to catch up the one month I missed. On the third month they repossessed the vehicle before the payment due date. I did not receive any type of notice that they intended to do this, only my regular statement that said I was behind. I feel they did this because the car was almost paid in full and they would be able to resell the vehicle at a good price. They did not care that I was making an attempt to caught up my payments. I did get the vehicle back after paying the amount of money I fell behind and an additional fee for the repo.

I cosigned for a car from americard and it was repoed back in 2005. It went on my credit. Now 10 years later I get a letter, irs saying the car was sold and I don't report on my 2012 taxes and I owe what was left from the sale of the car. I don't know they sold the car and didn't receive money from the sale so why should I have to pay or report it.

I would like to know when I should be receiving my title to my car. It's been past 30 days. You call them and they give you the run around saying it was mailed off.

I purchased a car in 01/12/2005. It was a 2004 KIA Optima. My loan was through Americredit. My car payment was being made on time but in 2008, my husband and I had to file bankruptcy and they made me place my car into the bankruptcy even though it was current. Well, my husband took ill and instead of our attorney letting us know that our payments could be lowered, he allow us to be kicked out of the bankruptcy in 2012. So long story short we were in the bankruptcy for 5 years and as soon as we got released from the bankruptcy, GM Financial came after me like vultures!!

I am also going on 7 years when I should have been done on 6 years. They also told me that I still owed finance charges and late fees!!!!

Took a loan out with this company in 2007 for my ‘04 Jeep Grand Cherokee for 15,000.00. Now nearly 7 years later, I am STILL paying for this loan. I've paid to date over 45,000.00 for this vehicle with another year left to go and now they are telling me that even after the principal of the loan is paid, I will STILL owe interest and fees and then will have paid well over FIFTY THOUSAND DOLLARS!!!! How in the hell is this even legal!!! Biggest scam of the century! Makes me want to PUKE!

Have 2 payments left...contacted them told them I'd be late because I lost my job..maturity day 1-5-14...I set up payments to be debited from my checking acct. 1-17-14....they send me a note today stating I now owe them 6100 more dollars!! I have paid 30k already for an suv not worth 10k..worse company I have ever dealt with EVER..

About 2-3 weeks ago, I had to setup a deferred payment arrangement with GMFinancial/AmeriCredit. I was told that I needed to make a $174.51 payment in order to receive the deferment. So I made the payment and the rep told me, "Okay, everything looks good. If we need more information we will call you back today." I said okay. Never received a phone call or any other notice. The last I knew I needed to make a payment by January 21st, 2014. It is 39 min into January 8th, 2014 and my phone was just repoed. Now I have to call GM first thing in the morning. As soon as I can refi with a different lender, I will.

In 2007, went to a used car lot. Financed a 2002 Chevy Blazer. In 2009, it was repossessed. Thought that was the end of it. Never received any notices about owing them money. On Dec. 10, 2013, I got a letter from the IRS stating my 2012 taxes were wrong and added $6439 to my income. I called the IRS and they said I gotta call Americredit. How can they claim an income I never received? They repossessed the Blazer and probably sold it. I didn't sell it.

My 2011 Nissan Sentra was repossess by GM Financial for non-payment. I was told that I have to pay $1,316.80 for them to reinstate the loan and I have to pay it by December 31st or I will have to add Jan 2014 payment to the amount. I had personal property in vehicle that the repo company would not allow me to get until I pay them a $60.00 fee. Lucky for me New Jersey Law states that I can pick up my personal property without paying a fee. I sent faxes to both the repo company and GM Financial stating NJ don't require me to pay a fee to pick up my personal property from a repossess vehicle.

I purchased a Chevy Cruze in April 2011 through Americredit/GM Financial. I had previously purchased a car through Ally Financial in 2004 which was paid off and used as a trade-in. In May 2012, I left my job to return to school for a second degree. I still continued to make my payments. I was able to secure employment but only part time, 30 hours a week. I could not make Aug. or Sept. payment due to job reducing my hours from 30 per week to 20. My car was repossessed this past Thursday, 10/17/13. I called Americredit/GM Financial customer service all day yesterday.

I paid off my Nissan SUV over four months ago and this company will not send the pink slip. The pink slip is always in the mail after speaking with them on the phone. What steps can I take to get them moving?

I paid off my car three months ago and still have not received my title. My husband had died in Sept of 2011 and with no income I couldn't make the last three payments until this year when I started to receive my widow's benefits. But I finally got it paid after them calling me at the very least three times a day to harass me, so the least they can do is send my title to me.

Our Malibu was repossessed in 2006. We have been paying them for 6 years on a car that we no longer have because it was REPOSSESSED. To date, we have paid them $7,800 since the repossession. We paid the original payments for 2 years before it was repossessed. I called today to get our balance, which we thought would be less than $2,400 (at the time of repossession we owed $3,000). I was told our balance is $6,000. In 2006 this was a used car. If we paid the $6,000 for this car that we no longer have, we will have paid $13,800 plus 2 years of car payments, which was at least $4,800. That’s a total of $18,600 for a car that, again, we no longer possess.

I have a 2006 Ford F150 and was originally financed through Long Beach Acceptance which then had been bought out by Americredit. Then GMAC took over Americredit. Throughout the 6 year finance, I had done 6 payment deferments which extended my loan to 78 months. I had only asked for a one month deferment and I was advised that the only way to do a deferment is that it would be for 2 months not 1 and it would cost me $352 and some change. I said okay as I have dealt with deferments in the past with no issues.

These people are crazy. I bought a car back in 2006, lost my job and fell behind. They said they would work with me and then that same night, they towed my car. The next morning, I woke up and went to look outside - it was gone. I called them and said I talked to you the night before and said I was going to pay everything up to date this afternoon. They took me where to go to get my stuff from the car I needed for work. When I got there, they had it up on jacks. The tow company said when they pulled it from the back, the trans. busted. So I called the loan company, told them I wasn't paying for anything if the car didn't move. They've been looking for me all this time; I move from state to state so much that they can't keep up with me. I'm in VA today and will be in TX next week. See if you can find me, good luck. Your time is running out.

I took a car loan in June 2006 and have paid all but two payments which will amount to $627.90. Americredit is saying that I owe them $1,509 because I had deferred six payments over six years. For the past six months, I have paid the payments that were placed on the back of the loan to do so. Plus, I paid them to defer the payments. This loan has now become 6 1/2 years due to the deferments but I can't understand why Americredit is telling me that I now owe them more after the last payments. Simple interest they tell me and because I was late once in 2008.

I cannot do anything with my 1997 Camaro purchased in July 1997. They charged me 16.75% interest. At the time, it was new with 25 miles. The auto cost $19,995.00. With interest, they added on almost $10,000 making my car cost over $30,000.00; eventually paid in full as I did have a lot of problems that I fell behind. I told them straight out, come and repossess the car if that's what you need to do. They never did, as they just wanted more interest charges in their pockets. I’m still waiting for the title with the lien lifted but never received and cannot contact. Instead, they turned me over for collection with 3 credit bureaus. I need the title. The car now is almost 16 years old and I cannot afford repairs and insurance as I'm on disability. Help, please, I cannot deal with these people. What if it was their family? I'm sure they would then kiss ** and send title or would be much kinder.

When I got to what I thought was my final payment, they demanded more money. There was a time where I had to skip a payment for an emergency situation. They said the payment would be pushed to the end and I paid a fee of a little over $100.00 to do so. This was in 2006 when I made last payment; no title. It is 2012, the car sits in the parking lot and I can't do anything with it. If I did not pay them in full, wouldn't that give them the right to pick up the car? I never received any past due, etc. Finally, I called them to send me in writing what is going on. They sent me a letter indicating their records show a balance of $1,055.03; pay and they will release my title. This was March 2011.

My husband and I were having some hard times due to the recession and having a newborn. So, I did a deferment on our loan. Everything had been working out fine. I was making my payments on time, but then it seemed like the amount kept increasing. I always make my payment over the phone, which I make sure is on my pay day. Apparently, my payment didn't go through last month, but I wasn't even notified? I just actually set up my payment for this month on Monday, which would be next Friday. Still wasn't told that the payment for October didn't go through.

I have made my payments faithfully, on time, every single month. They reported me as 30 days behind in Sept. to Equifax, TransUnion, and Experian. I am actually one month ahead in my payments. Following the dispute, they reported me 30 days delinquent for Oct. today. Horrendous as it is, today is Oct. 23rd and the payment date is Oct. 29th. Yet, they've reported me late 30 days. Not once have I received a late notice or a call. They refuse to fix my records irrespective that I have all of the documentation from my bank and online confirmations from them. I'm getting a lawyer to deal with this. My credit score dropped from a very healthy 720 to 540 because of them. This is illegal. Shut them down. Anyone up for a class action lawsuit? It's on the way.

I paid a 5-year loan off and called them several times - still, no title. They keep telling me they're working on it. They were merging with another company and that's the reason for the delay. After a while, I just forgot about it. Well, 2.5 years later, I got a phone from them saying I have a balance of $188 and with interest it's over $500 to get my title. I asked them, "How come it took so long for you to tell me this," and they said my phone was disconnected. Ah, not true; they had a wrong address to my house. Now they have the right address due to my wife. Now, I'm worried it's going to be repossessed. I don't owe them a penny.

I purchased my car used and have been paying every month. I pay more than the payment. It never goes down, always the same balance, and that is crazy. I will never do business with these rats!

I have had a loan with Americredit since 2006, which should be paid off by now. They switched to GM, and now I’m told I owe $3,500 more. They do something to these loans. There is a recession. People do not have that kind of money to just give to this company. I will be looking further into this with a lawyer. I am a single mother. My funds are limited.

I have been getting phone calls just about every day. I lost my job last October; I told everyone who works there. They told me that I am now 70 days past due; however, I just made a payment. I have tried to get them to help me any way, but they tell me they will not help.

I had a car financed with Americredit. First, they repossessed my car for 2 days threatening to auction off. They gave me an amount to get my car back which I paid. In March of this year 2012, I called and was told I had 5 more payments to make and my car would be paid off. Americredit switched to GMAC and I called the same number to verify that my car would be paid off in August 2012. She told me, very nasty, that I now owe $4,732.00 for August 15, 2012. I asked why, no explanation, but the contract will be up and it will be turned over to a collection agency. I have been paying $401.92 on a 2004 PT Cruiser and had 3 deferred payments. My contract should have been up December 2011. Thinking they added on 3 deferred payments is why I made the call in the first place. Something is really wrong. That will be 80 months of payments.

I sent a $426 money order by mistake to your company in Arlington, TX 76096-0477. I also spoke with someone there in the credit dept. I told them what had happened. I was told that anything cannot be done.The money order was sent on 4/30/12. It was delivered on 5/2/12 at 10 am, so we know it was delivered. I hope that they will forward it to my home. Please I need that money order back. It is for my first car note payment with Condor Capital Corp.

I was recently diagnosed with recurrent lymphoma, and am being "fast-tracked" into a transplant program. I will be unable to work due to the transplant. I contacted GM financial, who took over Americredit accounts, to hopefully arrange a deferment or make reduced payments. GM stated they would not work with me but made sure that I knew the consequences of my not making payments on time regardless of the situation.

I got a lease through AmeriCredit for a 2008 VW Eos and paid on time every month. I then terminated my lease early by 3 months as I was pregnant and due on the day it needed to be returned and paid everything I owed off. Then all of a sudden about 10 months later I get threatening phone calls from the collections department at AmeriCredit about how I owe money and I haven’t paid. Mind you, I never received a bill; I only received a statement saying I owe $0. I spoke to the supervisor who was just as lovely as the guy who kept calling me and yelling at me. I used the car that year for 2.5 months during the tax billing cycle of my town and AmeriCredit wants me to pay for the full year of taxes and that’s why they started calling me.

After reading about so many bad outcomes doing business with AmeriCredit, I decided to take a screen shot of my bill one day before my note came due. The day after, AmeriCredit added nearly a thousand to my past due, and the total due also. It now states that I owe about $2,100 extra. I called right away and was redirected to a department that handles the pay-off, and was told to ignore what I've seen on the bill, that it's a computer glitch. I discussed that I want this corrected and was further told that he was a low man on the ladder and but if I felt it was important, that he would email someone about it. Even though minutes earlier he's supposedly talking to someone about my inquiry?

I had a loan through Americredit for a 2003 Sunfire. I made payments faithfully. Then one day, they showed up to repo it. When I asked the repo man why, he showed me papers saying that I was 5 months behind on payments. When I called Americredit and finally got an answer, they told me that 5 months earlier, a $15 charge was added to my payment for that month due to some error the previous month on their part. Since I had the payment as direct draw from my checking account and rarely even got a statement from Americredit, I had no idea this was going on. So they repo'd my car for $15 and then told me I would have to pay $2,000 to get it back and still make the rest of the $3,300 I still owed on the car. Obviously, I couldn't come up with $5k in a few days, so they sold the car at auction, after repairing everything they could find on it and sent me the bill. We started fighting the proceedings and stopped payments. They took our tax return and demanded the rest of the money. So we had no choice but to set up payments with them: $1,500 down and $500 twice a month until the loan was paid. Outrageous.

I took out a loan on a 2000 Dodge Caravan through Americredit back in 2005. My ex-husband and I filed Chapter 13 bankruptcy in 2008. We had to file a Chapter 7 bankruptcy in order to get a divorce last fall. According to our bankruptcy paperwork, we owed less than $2,000 on the van. They mailed me a statement saying that I now owe over $7,000! It is absolutely ridiculous! The van is in horrible physical condition and has over 230,000 miles on it - Blue Book trade-in value is less than $500. I tried to make a settlement offer and they didn't even contact me to tell me that they denied it. My ex was able to keep his motorcycle for a $200 settlement offer when he owed around $1,000 (through another loan company). But Americredit is being an ** and repossessing my piece of ** van. Whatever, they can have it. I am not paying for it all over again. Americredit sucks!

Like all the other complaints, they do something with their loans. I paid more than they show. Payoffs are ridiculously out of line with amount financed and nobody does anything. Now GM credit! No better.

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.

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 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.

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.

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?

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.

Approximately one year ago, I encountered a financial difficulty that required I get an extension on my truck payment with ALLY (GMAC) for one month.

The payments are not going though.

In April of 2007, my social security number was used to obtain a $60,000+ car loan in Washington state even if I live in CA. Suspect placed a $13,000 cash down, and received a car loan from GMAC / Ally.

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.

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.

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.

My vehicle was repossessed and they never notified us that GMAC is now Ally finance. No offers to redeem or reinstate loan balance, or the vehicle, so that we could recoup our personal property. According to Federal Trade Commission if a vehicle is more than half paid, they need to refinance on balance, before they repossess. They said we hadn't given a payment in more than a year. How can that be, if you skip just one payment, they are calling you. We never received any calls as to the status of the vehicle loan, nor that the insurance had not paid. If and when they stopped paying, they should have advised us, and we would have called them (the disability insurance).

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.

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.

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.

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.

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.

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.

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.

My car was repossessed. Later, it was sold for an undisclosed amount. I received 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 is repossessed, 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 have been making payments for 60 months, which was the life of the loan. I got behind a couple of times and in December 2009, asked for an amount to catch everything up through the January payment. They gave me an amount and I paid it. Since then, I have paid every month on time. This month, they showed a payment made on the website but say that it was an invalid bank account number. They also said the same thing happened in Feb, but I was never notified. So according to my account, I owe 9 payments so I asked them for a payoff. My calculation of $432.39 per month is $3891.51. Their actual payoff amount quote is over $7k. They have continuously harassed me for 5 long drawn out years, threatened me many times. I have paid them $26k and the loan was for $16k for 60 months. This month is month 60 and I have put 3 payments on the back of the loan. This is by far the worst company I have ever in 43 years dealt with. I am a single mother of 3 daughters. Is there anything I can do?

I have been paying a car loan for 5 years. And it is not on my credit report. Or my mortgage.

I’m getting calls 3 times a week looking for my son who has not lived here for 20 years. Today, they have called my next-door neighbor wanting information. She told them she does not give out personal information. She ask how they got her phone # and the lady hung up.

I fell a little behind in my auto payment around October 2009 due to having to pay for books for school a month prior. So I received a call from a GMAC representative named Bill the week of November 8 to discuss why the account was past due. I then told him the happenings, and he then began to tell me I could get a 60-day extension on my account. The basis of the 60-day extension was to pay the discussed amount, which was $500.00, and when that payment was made, I could then be eligible for the 60-day extension.

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.

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 was 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 received a phone call from another Americredit representative asking me for my payment. I told her I had already made it and she told me that she hadn’t even checked for it. Americredit has led 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 account, my personal information. They have violated me in many ways. Please help me.

6-year loan, lost job on 10/08 and very bad financial year. Every rep I spoke with knew my situation and claimed that they would work with me. They did until 10/09. The loan went into charge-off for $1,404.00. I spoke with Justin and wanted my checking account debited for $500.00 on my next payday 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.

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 at least three different reps. Well, a few months after that, I ended up losing my job.

I tried financing a car from Bronx Suzuki. 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, and the car is still under her name. I had an accident with the same car and been out of work since 3-24-09. I explained all this to Americredit, because my family's been helping me with food and shelter and the car payment. My father is even willing to give me $3000.00 to buy off 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.

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 up calls, and made every attempt to make the process, as easy as possible.

I for almost 2 years 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. Now, I am being charged late fees and reported to the credit bureau late each month.

After repeated attempts by myself and my insurance company, GMAC refuses to provide any form of written loan satisfaction. My insurance company, Auto One, is withholding approximately $1,900, additional funds, due to me since GMAC is preventing Auto One from obtaining clear title to the vehicle. Auto One 'totaled' my vehicle and is holding it in storage.

I reached a settlement with Americredit in the amount of $1,576.00 that was due on 06/30/2009. They sent me the agreement in writing and per the agreement, once the amount was received, this account would be closed and the settled status would be reported to the applicable reporting agencies. Also on the check, in the memo field, "Paid in Full" was also written which was cashed and from my understanding, this too is a binding contract once the funds have been cashed. I received a letter today stating that the account will be reported as settled in full as a "charge off" and nowhere in the document that I received were the words or indication of "charge off" referred to. If the account was just going to be considered a "charge off' anyway, what was the use in me paying them $1,576.00? How do I proceed in regards to a dispute with Americredit because they have violated the agreement and contract? Do I have any recourse here?

I called Americredit this morning to make payment arrangements with them. I was four payments behind and was sending them what I could when I could. I was greeted by a rep this morning that told me I could make my payment by 5 pm PST; however, at 4:15, a tow company showed up and took my car away. I was immediately on the phone to Americredit who then transferred me around and I was told they could not do anything unless I paid them to current plus the repo fees. I have been with this company for two 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 okay, and then upper management reviews my loan and has the car repossessed. Frustrated and carless.

I bought a car from Bill Heard Chevrolet on a promotion "Finance now get refinance in a year," lowering my APR and lowering my payment to improve my credit. After a year, that didn't happen. I only went for it because of the promotion. After I continued struggling trying to make payments, I realized that my balance wasn't going down. I asked Americredit for a printout of my payment history and they refused. I filed an injunction against them to take them to court to keep them from repossessing my car. After 6 months, I finally got the payment history which showed fraudulent activity payments not credited properly. After investigating, I found hundreds of thousands with similar complaints.

I have become disabled due to back problems and Alzheimer's Disease. I have not been able to work since January of 2008. My income is now fixed. My monthly net income has been reduced by about $2,000.00 per month. I have $800.00 a month in medical bills. My credit has not been perfect but I try to pay necessary bills each month. I have had 2 car loans with AmeriCredit. The first loan was paid off. My current loan was supposed to be for 72 months but after the car was purchased they changed it to 79 months. It has a 18% interest rate.

After going through a divorce I was awarded a 2006 Chevrolet Equinox LT. The only problem was that the loan through GMAC was in my ex-wife's name, so I had to refinance it in my own name. Being a service member I decided to use USAA with whom I have always experienced fantastic service. The loan was refinanced and GMAC received full payment on 8/4/08. Unfortunately I had signed up for automatic payment which had a scheduled withdrawal date of 8/5/08. $544.84 was withdrawn from my account on 8/5/08, 1 day after the acount had already been paid in full.

I cosigned for my son to buy a 2001 GMAC truck, he was late 31 times but nobody from GMAC contacted me, they had all my info,they could have even contacted me at work but did not, I had no idea my son was ever late, If I did I would have paid myself. when I finally found out, I paid the truck off. Also GMAC had me down as a Co-buyer (which I had no idea that I was) I was only supposed to be the co-signer. I have contacted GMAC they had no records of trying to contact me.

I purchased a 1996 BMC Sonoma pickup truck (1GTCS1944T8529489) on Dec. 28, 1996 from GMAC. I paid the vehicle off in full in April 17, 2000. I would like to sell it but I cannot get a lien release. I have called GMAC every other day for the past two months and they take the information, and do nothing. What do I need to do. I even told them I would pay. They are just giving me lip service. What can I do? I am trying to finalize the sale of this truck for $800.00. This document is preventing the sale.

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.

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?

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.

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.

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.

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 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

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 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 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.

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.

I was late in sending in a payment, and was notified via letter that I have a late charge in the amount of $200+. The last time I tried paying this over the phone, via Trupay, they did not apply the payment I made towards my late fees and instead applied it towards my principal. I found out later I needed to call GMAC and have a Truepay Rep apply the payment to my late fees. GMAC has continually called me in reference to this payment during my hours of work, when I am unable to answer the phone due to the fact that I am an Emergency Medical Technician and engaged in continious patient care. They have continued to call me to the point of harrassment even though I have told them NOT to call me during these certain hours.

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.