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In Feb.2012,I purchased a 2006 Saturn vue,and American credit acceptance financed it.The car was 10,000,with 1200 dollars down and payments of 378. dollars for five years.

On June 2 ,2012 I got fired from my job. I managed to make my payments up until Dec. Of 2012.I received numerous calls about the payment ,and explained the situation to many of the people from the ACA office. I talked to a women named Patty several times, and explained to her my situation.

By feb,2013 I was almost three months behind in my payments. I told Patty that I would pay the payments I was behind when I got my income tax in Feb..,Patty said if I came up with 832 Dollars in Feb. That she would defer one payment on the back of my payments .I paid 900.in feb,but no payments were deferred. I paid on the account as much as I could afford, leaving me one payment behind and late fees.

Well one day I came out to leave my job and a tow truck was towing my car away. I called ACA and spoke to Jessica in the redemption department. I submitted all the information she needed for a deferment. First thing Jessica said to me is that I needed 900.dollars and repo fees to get my car back.

Then I explained to her about the deferment that Patty was supposed to do, well she brushed that off as saying it was too late, and she could give me a deferment for one month .She told me I would need 523 and the repo fee to get the car back, even went as far as giving me the tow truck number. She put me on hold when she came back she began to question me about the next payment due in two days ,I told her my situation and that I got paid every two weeks and I would like to pay two hundred dollars every two weeks, well she began to sound like she was backing down from giving me the deferment ,so I told her to keep the car. Not that I didn't want the car or need the car, but she was trying to get me to pay more money ,that I did not have. I just feel that I was lied to by Patty to begin with who never gave me a deferment, and the car was taken with only one payment behind and I was trying to make the payments.

They knew about my situation and I didn't have the money. If I would have know that the car was going to be taken after only being one payment behind I wouldn't of gave them 900 dollars I would of saved it to buy another car. Also I received a letter in the mail saying that I could get the car back if I paid the full amount plus the money I owed, I was also told I broke the contract, and if they sold the car And didn't get the amount owed that I would have to pay the rest, I believe that is not right because they took the car and was making it impossible for me to get it back. I just got another job in Feb.

and I was paying what I could, but now that I have no transportation to work I may not be able to keep the job.

I wish someone could look into this matter as to this is very upsetting to me.I would like to get the car back but I do not have 900 plus dollars if I had that I wouldn't have lost the car. Thank you ,Sincerely Barbara Nevins

Monetary Loss: $4600.

Location: Troy, Alabama

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Jackie Jlo

Does anyone have the address to when you’re car gets repoed and towed away by aca?

Katelyn Orx

What is the address where they store the reposted cars in dallas texas.

Guest

Barbara, I am so sorry for your horrible deal you got! They do LIE A LOT!

I also have a loan with them and on the contract there is NOT even a standard grace period like 99% of other banks give you. I got approved by phone from a dealership, and when we got there they said we only have this ONE CAR for you available TO YOU under your circumstances. We said sorry, NO WAY, it had roll up windows and NO extras, not even AC! We started to leave and they said lets see what we can do.

We ended up with a nice car with a nice package of extras but instantly the deal started off BAD! Because they help people get a car at about $150 more a month then other places because of poor credit with super HIGH INTEREST RATES they are on a BIG TIME power trip! Then they take advantage of you with promises only to pacify you. I wish you had a recording that you could show a lawyer or some email documents to make a case.

Now you are out all that money and still need a car. These people have a little thing called KARMA they should think about every time they pull these stunts!

It will come around some day and bite them back. GOD bless you, and I wish you ALL the best :)

Guest

Somebody please tell me...what is a "reposs"? I see whining, wailing deadbeats use this term all the time. If there is a "reposs" can somebody have a "poss"???

Guest

If you would've paid the balance would you have had to pay the full amount in cash?

Guest

Now these don't have a working phone i have called 5 days in a row and held on hold for 30 minutes the the call goes dead..

Guest

This Whole article is kind of funny.. The ignorance of the American People is quite apparent here!

Guest
reply icon Replying to comment of Guest-895814

cant wait until you have troubles so we can all call you ignorant.

Guest

I am not an employee of ACA, but I am a customer. And trust me they have done more than enough to *** me off.

However, and not in defense of ACA, what you're not realizing is this. yes, technically you were 1 payment behind. But you were CONSTANTLY one payment behind. A finance company has the right to terminate its contract with you if they feel you have become a risky borrower.

When you sit in the area of past 30 days for a long time and don't get your account to a current status then yes, they will repo your vehicle. It's the same way with Bank of AMerica, Wells Fargo, Citi, etc etc. It is unfortunate that you had some hardships, and I have been there before. But, I once had a car loan with Bank of America and for 6 months in a row I was making my payment 32 days late keeping me 1 month late constantly.

And just like you, they took my car and told me the fees that would be involved if I wanted to get my vehicle back.

I understand your plight, trust me I do. I HATE American Credit Acceptance, but I think if you thought your situation out a little more and a bit more maturely and stopped pointing fingers then you'd see that they did not break the law in the way they repossessed your vehicle.

Guest
reply icon Replying to comment of Guest-837776

Look at the end of the day it wasn't right Theu could have let that person catch up because they going to sell the car at a auction about a 1000 dollars and that person still left with the remaining balance just a big tax write off for the company because they know the person cant pay the whole remaining balance

Raquan Kiy
reply icon Replying to comment of Guest-837776

Can I ask you how much time do they give you to get your car back ? My son is in this situation and his car is in process of being reprocessed

Raquan Kiy
reply icon Replying to comment of Raquan Kiy

I meant repoed

Guest

Nice to see the heartless employees of ACA getting on here to comment. Get a life. Sometimes bad things happen to good people.

Guest

I sounds like you are asking them to excuse you from paying what you owe. I don't see the problem....

You pay you ride ..

you don't you walk... simple

Guest

You can get repoed even after 1 day is a company chooses to do so. You have a contract and a due date.

Pay it on time.

If you did not have bad credit you would not be dealing with them anyways. And the rate your going it seems you will always be that way.

Guest
reply icon Replying to comment of Guest-691371

Some of you heartless people quick to judge others like the grass always going to be green on your side when u sign up with credit acceptance they let u know if you some how moving or lose a job you can get your payments deferred from what I was told when I bought my 2013 Chevy Cruze everybody have a point in there lives when they may need help and for people to sit and criticize I'll let God handle that he always come right on time.

Guest
reply icon Replying to comment of Guest-1156200

Where do you sorry serial deadbeats get this idea the lender must go along with you when you don't pay on time? YOU defaulted on the contract.

They exercised their right to do a repo. It's all very plain and very simple. Would any of you sorry serial deadbeats be upset if the boss says "payday is delayed, can you help me by taking less pay this week"? Nope!

You'd hear the biggest squeals coming from the sorry serial deadbeats!

All of the original poster's whining as well as those in support of him/her, are nothing more than a page from the sorry serial deadbeat's playbook and wailing songbook. Grow up and pay your bills on time!

Guest
reply icon Replying to comment of Guest-1304353

You sound like an ***, sorry.... not sorry.

Guest
reply icon Replying to comment of Guest-1304353

Just because hardships fall unto people does not mean they are deadbeats, you sir are a piece of ***.

Guest
reply icon Replying to comment of Guest-1304353

U must work for the company

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