Complaint Review: Americredit

Ok I used the Sprint Online Relay service to capture my conversation with Americredit for proof on paper.This heffa called me crazy as the Sprint operator repeated what he had heard.They added 6 deferments without my consent and here is there response(BARE WITH ME,KINDOF LONG DUE TO A ONE HOUR CALL WITH THEM THAT GOT NO WHERE)

DIALING 800-284-2271

RINGING 1 ... 2 ... 3 ... THANK U FOR CALLING AMERICREDIT (HOLDING FOR

A LIVE REPRESENTATIVE)

(HOLDING ...,..

RINGING 1 ... 2 ...

(HOLDING ...,..

(F) THANK U FOR CALLING CUSTOMER SERVICE THIS IS EVETTE MAY I HAVE UR

CUSTOMER ACCOUNT NUMBER PLEASE GA

(me)..stating info


AND MS xxxxx

CAN U VARIFY THE YEAR MAKE AND MODEL OF THE VEHICLE AND UR PHONE

NUMBER GA AND CAN U VARIFY UR HOME ADDRESS FOR ME GA

(me)...stating info)

OK AND HOW MAY I

HELP U TODAY Q GA ?



(me)yes i am trying to find out if i pay my car off how much would it be today? GA

THE PAY OFF ON THE 95 ACCURA INTEGRA IS GOIN TO BE 4572.31

THATS GOOD UNTIL FEBRUARY 2ND 2006 GA

(me)ok but im trying to find out how in the world is it that amount when i have 6 payments of 355 left.i mean that is saying that i owe around 1800 now and when its 0 payments left,you all are telling me i have over 2500 in interest? GA

U HAVE A SIMPLE INTEREST UR ACCRUE

INTEREST ON A DAILY BASIS U HAVE SIX PAYMENTS REMAINING SIX PAYMENTS THAT

WAS DEFERRED, WHICH MEANS U PUT SIX PAYMENTS AT THE END OF YOUR LOAN

AND BECAUSE OF THAT AND BECAUSE U HAVE THE SIMPLE INTEREST

LOAN THAN U HAVE MORE TO PAY AT THE END OF THE LOAN GA. NOW IF U PAY

IT OFF NOW THAT WOULD BE THE PAY OFF THAT I JUST QOUTED U IF U KEEP IT

OPEN SIX MORE MONTHS ITS GOIN TO BE MORE THAN THAT CUZ U ACCRUE INTEREST

DAILY GA.

(me) ok i understand what you are sayin,however those 6 deferments were not approved and i have an investigator from a commissioners office working on it for me.now that being said,you mean to tell me that this 4572 is going to be the amount due in 6 months even if i paid this car off ahead of time? GA



OK UMMM FIRST OF ALL U WASNT CHARGED INTEREST ON THE ACCOUNT

ALREADY UR ACCREWED INTEREST IS NOT ADDED UNTIL THE PRINCIPLE BALANCED

GA AND WE CAN BREAK IT DOWN FOR U EACH YEAR BUT IN FACT U STILL ACCREW

INTERES ON A DAILY BASIS AND UR GOIN TO STILL ACCREW INTEREST DAILY UNTIL

VEHICLE IS PAID OFF BECAUSE OF THE SIMPLE INTEREST LOAN THAT U HAVE GA

(me) i know that but what i am saying is that this 2500 more that of "interest" right now is for only this month?How do you charge interest when my car was already charged all interest before my payments where ever hit with any of my money?
GA

OK FIRST OF ALL I DIDNT ADVICE THAT THEIR WAS NO INTEREST I ADVISED

THAT U ACCRUE INTEREST ON A DAILY BASIS (TALKING FAST AND SOUNDING RUDE)AND

I ADVISED THAT THE

PRINCIPLE BALANCE DOES NOT HAVE THE INTEREST IN THAT BECAUSE OF THE TYPE

OF LOAN THAT U HAVE WHICH IS SIMPLE INTEREST GA

(me)ok but according to your website,i have been paying interest in amounts of near 2000 a year GA
didnt you just advise me that you have not charged my account any interest,now you are stating that you have,which is it?
(of course,responding to the sprint operator about her being rude)

OK IM NOT QUITE UNDERSTANDING

WHAT UR ASKING Q GA OK IF U WOULD LIKE I CAN GO AHEAD AND MAIL U A COPY

OF THE PAYMENT HISTORY AND IT HAS THAT INFORMATION ON THEIR AND WE HAVE

EMAILS OF U SENDING US REQUESTS FOR A DEFERMENT GA

(me)ok now my question is,how do you show me any proof that i approved those said 6 months of deferments when according to your contract it states that i would have to do it in writing and you would have to sign for it? GA

THERE IS NO COPIES

OF PAPERWORK THAT U SIGNED CUZ WE DONT GET A SIGNATURE FOR A DEFERMENT.

WHEN A CUSTOMER REQUESTS A DEFERMENT IT IS AUTOMATICALY DONE HERE IN OUR

OFFICE, THERE IS NOTHING THAT THE CUSTOMER WOULD HAVE TO SIGN ,THEY WOULD

JUST HAVE TO CALL IN AND REQUEST THAT DONE GA .

(me) again,you stated that i deferred 6 payments back.
where is the proof that i did so,like paperwork that i signed? GA

OK AGAIN U WOULD NOT REQUIRE

TO SIGN A DEFERMENT AGREEMENT AND IF U HAVE NOT GOTTEN THE DEFERMENTS

THE UNIT WOULD HAVE GOT REPOD CUZ THAT IS WHAT SAVED THE UNIT THE DEFERMENTS

ON THE ACCOUNT GA. WE HAVE RECIEVED PAYMENTS FROM U BUT U HAVE SEVERAL

PAYMENTS THAT WAS VERY FAR DELINQUENT GA

(me)where is the proof that i did so,like paperwork that i signed? GA
send me the copies of the emails that i sent because those would be the ones that i submitted to the commissioners office stating that i only did one deferment.i dont need a payment history,i want the copies of the paperwork that i signed GA

AGAIN U REQUESTED TO DEFER SIX

PAYMENTS AND WHEN WE DO CONFIRMENTS EACH TIME U REQUEST ITS TWO MONTHS

AT A TIME SO U REQUESTED A DEFERMENT THREE TIMES. U MAY HAVE BANK STATEMENTS

AND THE REASON BEING IS CUZ ITS STILL A DEFERMENT FEE TO PLACE THOSE PAYMENTS

AT THE END OF THE LOAN GA

(me)thats not true because i have a copy of the one deferment that i did.i had to fax the paperwork of said "new" agreement and wire via western union a percentage of the money.you all are stating that its not required but on this contract that was signed by me 5 years ago and per texas laws,it states that i might have written notice. GA

OK MAME THERE IS REALLY NOTHING ELSE I CAN TELL

U, I CAN GIVE U THE DATES OF THE DEFERMENTS I CAN TELL U THE DATES THAT

THEY WERE REQUESTED GA .

(me)ok show me how you can make that statement when on the payment history its showing no payments at certain times and i have bank statements showing that indeed the payments were sent and recieved by americredit. GA

I CAN GIVE U THE DATES THEY WERE CALLED IN AND REQUESTED AND THE DATE

OF THAT EMAIL. I CANT GIVE U A COPY OF THE EMAIL CUZ IT WAS TOO LONG AGO

(me)no mame,you are still not answering the question.if i have my bank statements and only 1 deferment was done with written consent,how do you say that i requested 6 more? GA
yes i know this,that is what i was telling you about that 1 deferment,i had to wire via western union a fee.do not tell me that i in fact did approve those deferments when i said i didnt.you are double talking and still have not showed any proof.i need those emails sent to me as well GA
no,i want the emails,the copies that you stated that americredit have and even if it was true,which it isnt,you still have not followed the law. GA

I CANT GIVE U A COPY OF THE EMAIL CUZ IT WAS TOO LONG AGO.
YES MAM I DO U AND IT IS NOT A LIE U EMAILED FOR ONE AND U CALLED IN

FOR THE OTHER TWO U HAVE A REQUEST FOR THREE WHICH ONE DEFERMENT PUSHES

TWO PAYMENTS BACK AT A TIME WHICH IS WHY U HAVE 6 PAYMENTS DEFFERED.

WE HAVE A NOTE THAT ONE TIME U WERE IN THE HOSPITAL A MAN THAT SAID

HE WAS UR SPOUSE SAID THAT HE WAS MAKING ARRANGEMENTS ON THE ACCOUNT HE

VERIFIED ALL INFORMATION ON THE ACCOUNT AND AT THAT TIME U WERE VERY DELINQUENT

AND HE REQUESTED TO DO A DEFERMENT TO CATCH THE ACCOUNT UP TO DATE GA.

(me)ok let me ask you this,when i spoke to someone else,why did they state that a man called in those deferments? GA
may i have that name please and the date of said deferment?now you are saying now that someone else spoke for me and this one person was not even on my contract.that being said,how can anyone besides myself change this contract? GA

THE NAME OF THE PERSON WAS ROBERT GA. WE DONT HAVE A LAST NAME FOR

HIM BUT HE WAS ON THE LINE WITH DEON GA. HE CALLED IN WITH ALL

OF UR INFORMATION AND ALSO WAS ALSO ON THE PHONE WITH A
SPOUSE AND WE RECIEVED OK TO SPEAK WITH SPOUSE GA

(me).robert who? GA
i have no robert as a spouse and never had GA
i need the date of said deferment because i was not in the hospital but one time and that deferment was done by me in a june or july timeframe of 2001 GA .

OK THE DATE THAT WE HAVE

IS JUNE 2001 NOVEMBER 2002 AND MARCH 2004 GA IF WE HAVE A CALLER THAT

IS SAYIN THAT THEY R THE SPOUSE AND THE BUYER IS UNABLE TO MAKE

THE CALL AND THE SPOUSE VERIFYS THE INFORMATION ON THE ACCOUNT, WE WOULD

BE ABLE TO PROCESS THAT FOR THE SPOUSE GA .

(me)ok and i have bank statements showing that those were paid,so why would i approve those deferments.you still are not understanding that if this said robert or deon was not on my contract,how do you defer without the person the contract is for? GA
ok and how do you know that was a spouse,i mean anyone could have verified information.so now i have written proof that americredit does not abide by the texas law and also since this is so written in the contract,you have voided my contract GA

OK THE CONTRACT IS NOT VOIDED

AND WE CAN SPEAK TO THE SPOUSE IN REGARDS TO THE ACCOUNT WE HAVE NO REASON

TO BELIEVE JUST ANYONE WILL CALL AMERICREDIT TO MAKE ARRANGEMENTS ON UR

PAYMENTS TO KEEP FROM GETTING THE VEHICLE RE PO'D GA

(me)you keep saying that but my car was not in repo status.once again what you have told me is that the part that states about noone but the buyer being the only one to change the contract and it must be on both americredit and my agreement in writing.
you didnt get verbal permission from me and i am reading the contract as we speak,it seems to me that you need a copy of it .

NOT IN THE CONTRACT THAT WE CAN NOT SPEAK TO THE SPOUSE IF WE GET VERBAL

PERMISSION FROM THE BUYER. I HAVE A COPY OF IT GA (TALKING TO SOMEONE

IN THE BACKGROUND)SHE WOULD HAVE HAD

REPO LETTERS OOOOH THIS LADY IS CRAZY CRAZY CRAZY (STILL TALKING IN THE

BACKGROUND)LOOK AT THOSE NOTES OK I HAVE IT UP GA (this is what the operator heard americredit saying about me in the background).

(me)no i said that in the contract,the same one you are saying you have a copy of,it states noone but the buyer can make said deferments and that they have to be in writing and i would need confirmation in the mail from americredit,not a statement but a letter. GA

OK MAME WE DONT EVEN HAVE INFORMATION ABOUT THE DEFERMENTS

IN THE CONTRACT AND THE REASON BEIN IS AMERICREDIT DOES NOT OFFER THEM

AS GUARANTEED SERVICE AND THE ONLY REASON WE OFFER THEM IS TO HELP

CUSTOMERS THAT HAVE FALLEN BEHIND ON THEIR PAYMENTS DUE TO UNFORSEEN CIRCUMSTANCES.
IF U HAVE PROOF THAT U MADE THOSE

PAYMENTS

IN FULL IN

THOSE MONTHS THAN U

CAN SEND US A COPY OF

THAT PROOF. U CAN FAX IT OR MAIL IT WHICH EVER ONE U PREFER GA

(me)mame you are beating around the bush.now i have told you that i have proof that those said dates of deferments did recieve my full monthly payment,how do you justify that? GA

(HOLDING ...,...


,...OK SORRY TO KEEP U ON HOLD AND WHAT I HAVE THE FIRST ONE WAS REQUESTED

ON JUNE 21ST 2001 AND IT WAS A EMAIL REQUEST THAT MARK HANDLED THE SECOND

WAS ON DECEMBER 18TH 2002 WAS A CALL IN REQUEST AND DEON SPOKE

TO DESMON AND THE THIRD ONCE WAS APRIL 22ND 2004 DEON SPOKE WITH KELLY.

MAME WE ARE NOT MAKING UP ANY LIES THIS IS THE INFORMATION THAT
.
I HAVE HERE ON FILE AND WE DONT HAVE ANY OTHER PROOF ON THE ACCOUNT IF

UR SHOWING ANYTHING DIFFERENT AND SHOW ME PROOF OR MAIL ME PROOF THAN

WE CAN RESEARCH THE ACCOUNT FOR U GA

(me)
ok first of all you got the first one wrong...shannon james handled that one,second of all i was not married to near year 2004.sent that proof into americredit myself.

THOSE ON FILE WE KEEP NOTES ON THE INFORMATION FOR AMERICREDIT PURPOSES

AND IM SHOWING IN JUNE WE SENT U A LETTER OF THE DEFERMENT U

SAID THAT U DID NOT REQUEST ADVISING U AND WE ADVISED OF THE IMPACT OF

THE BALANCE THAT IT WOULD CAUSE U AND WE SENT U SUPPORTING DOCUMENTS ENCLOSED

IN THAT LETTER BECAUSE IT WAS A BETTER BUSINESS BEUEREAU COMPLAINT GA
DO U THINK SHE HUNG UP? (question that was addressed to me from the sprint operator)

(me)ok now you just told me like 30 minutes ago that americredit does not send confirmation letters in the mail.i informed you that i did in fact recieve a letter in the mail and also i faxed the written signature to a shannon james,whom was a supervisor back then.now i stated that that was the only deferment that i personally made.you are telling me the same thing i have told you.why did you tell me that americredit does not send confirmation and it is just automacally done when requested on the phone,but told me that you in fact did send me confirmation with my sigature.
GA
NO MAM

THATS NOT WHAT I JUST TOLD U I TOLD U WE SENT U A LETTER IN JUNE 2005

OFFERING TO REVESE THE DEFERMENT NOT A DEFERMENT CONFIRMATION LETTER AND

WE NEVER RECIEVED A LETTER BACK AND ALSO IN THAT LETTER IT ALSO EXPLAINED

THE IMPACT THE BALANCE OF THE ACCOUNT IF U DID NOT HAVE THOSE DEFERMENTS

AT THAT TIME AND WOULD ALSO CAUSE MORE DELINQUENT REPORTS TO THE CREDIT

BEAUREUS ADVISED THAT HAD SUPPORTING DOCUMENTS HELPING EXPLAIN THE WAY

THE DEFERMENTS WORK NEVER SAID WE SENT U DEFERMENT CONFIRMATION GA

(me)ok now what impact are we speaking of and also that was sent via the better business bureau which i have a copy of the response to
that letter and they advised me that americredit failed to reply back with them.i have that here with me
.

CAN U SEND US A COPY OF THAT LETTER CUZ ITS

SHOWIN

HERE THAT WE DID RESPOND GA I DONT KNOW WHAT THAT MEANS GA GA WHAT IT

WOULD HAVE IT WOULD HAVE AN IMPACT ON THE CREDIT REPOERT CUZ ONCE WE REMOVE

THE DEFERMENTS IT IS GOIN TO SHOW THOSE PAYMENTS PAST DUE AGAIN GA MAM

AGAIN WE DID NOT ADD PAYMENTS TO UR LOAN THAT PAYMENT WAS DIFFERED IF

U HAVE PROFF THAT U MADE FULL PAYMENTS IN THAT MONTHS THAT WAS DIFFERED

AND NOT JUST DIFERMENT FEES THAN WE CAN SEND THAT TO RESEARCH BUT U WOULD

HAVE TO SEND US PROOF OF THAT GA WE WOULD HAVE TO REVERSE THOSE

BEFORE WE CAN GIVE YOU A PAYOFF WITH THOSE REVERSAL DEFERMENTS

GA

(me)ok now tell me what impact this will have on my account besides the lies reported on my credit report as of now
GA
UNFORTUNATELY MAM WE'RE NOT ABLE TO DO THAT THE ONLY WE WOULD

BE ABLE TO GIVE YOU A PAYOFF WITH THE REVERSAL OF THE DEFEREMENT IS HAVE

A REVERSE FIRST GA
(me)
thats a lie tho because i have the bank statements showing these were paid.americredit also lied when they said they were removing a number of lates off my report,they are still showing.now how much would this account be without them said deferemnts.i know my account was to be paid off this month but you all took it on yourselves to add payments to my loan.
im asking again,how much is this car right now with those reversal deferments off? GA

MAME AGAIN WE CAN NOT OFFER YOU A PAYOFF WITH

THOSE DEFERMENT REVERSE AND NOW THE DEFERMENTS HAS TO BE REVERSE BEFORE

WE CAN GIVE YOU A PAYOFF BALANCE YOU ALSO RECEIVED A LETTER FROM OUR LEGA
L DEPARTMENT IN THAT LETTER THERE IS A PHONE NUMBER AND FAX NUMBER THAT

THEY OFFERED TO YOU GA

(me)ok no problem,i am sending this conversation to the Texas AG and to the commissioner that regulates americredit.no problem at all. GA

not at all,not like you really did much anyways..oh one more thing before I hang up,dont ever call me crazy again GA

OKAY THANK YOU FOR CALLING AMERICREDIT GA

Joseph,

This company is nothing but a bunch of loansharks and they make their own rules as they go.

My husband and I would be happy to join in on a class action lawsuit. I have been reporting them since November 15th and so has my husband.

The Ceo's are just a bunch of washed up lawyers that cant get a real job. They work at Americredit to steal others money to get rich quick. By the time they get around to repoing your car, you have already paid for it more than once and also they sale it at an auction and never provide a bill of sale. They just make up whatever they want to.

My husband reported them to the BBB, but it didnt do any good. So, we have taken it a step farther or several steps farther. Our first court appearance concerning Americredit is in February.

We are going after Complete Asset REcovery, Adesa, and Americredit for illegal actions against us and for the theft of items out of our vehicle, not to mention unlawful acts while my husband was depolyed on active duty for the United States Military. These people are not only loansharks, they are communists also. They need to take Ameri out of their name, because there is nothing American about these crooks.

They have no scruples, and right their own rules as they go. They had the contract stolen out of our vehicle and refuse to give us a copy of it.
Right now the FTC, The Pentagon, Attorney General, and Washington DC. is who we have contacted. We will not stop until someone does jail time for the thefts against us.
Also, Homeland Security has been contacted because of illegal misuse of government property and illegal acts of possible terrorists of employees questioning family and friends.

You are dealing with one underhanded company, so you need to take notes, take down names, etc. because you will need this info later on down the line.

We have emails, certified letters, faxes and more faxes and the list goes on. contact the Ceo's on an individual basis as my husband did. You can go on the website and get all their names and email addresses. He has sent them all certified letters and I am sure they will be ignored along with everything else.

Most of the employees put Assistant Vice PResident in front of their name. Amy Quinn who seves the CEO's their coffee daily, said it was to make her look more important. She is one of the biggest crooks at Americredit and changes her title daily. IT does no good to mention what all she has done to the BBB, because they use her as a contact name. So, that tells you just how much they are covering up. She is the one who lies every time she opens her mouth and the CEO's hide behind her to do their dirty work. We dont care if she goes to jail for them, as long as AMericredit has to pay for their illegal actions against us.

We paid them over 19,000 dollars and they cant seem to find all our payments and they are always misplacing something. Hell is too good for people like this, but one day they will get theirs too.

They treat their customers like they are all lowlifes and scum, but yet Americredit is the biggest scum of all.

I would get them for harassing me at my job and harassing my family. That is against the law.
Call the police and make a harassment report on them.

Their bully tactics and intimidation only work if you let them. I realize it is expensive to get an attorney, but try other ways first and keep lots of records.
Good Luck to you.