AmeriCredit Ripoff Harassing and belittling collection calls Fort Worth Texas
Americredit has the loan on my car. My husband's name is on the loan agreement. My name is tied to the loan because I am the one that makes the payments. We first occurred this loan in December of 2003.
I have repeatedly asked them to not call my husband at work since they don't allow that. We aren't even sure where they got his direct extension where he works. They tell me they can not stop calling him at work unless he tells them this himself.
I have asked them to send everything to me in writing. They respond that they can't and what more do I want because I get the monthly statements. They tell me that if they stop calling me, it will cease having the car secured.
I usually make my payment online and the last time I made a payment to them, my computer was down. So I ran to the grocery store and got a money order and mailed it in. When they called and I told them that I mailed it in and why, their response was that I should have thought of a faster way to mail it in (i.e. Western Union).
They have asked me before why I bought the car if I can not afford it. They have also told both me and my husband that I am ruining his credit by not paying it on time. Our finances (other than the payment to them) should be none of their business nor should his credit rating and whether or not I am ruining it.
When they called today (06/09/04) and I told them that I had made a payment yesterday, they asked me how I paid them. I told them it was online and for how much. I paid all but $74.00 of the past due payment. They told me that the payment hadn't posted because I had not done the payment until later in the day. I made the payment at 8:30 MST (shortly after I got to work).
I told them that they were asking me questions that they shouldn't be asking me to which they replied that obviously I had never read the Fair Collections Act. I told them I had and that I have been in contact with a lawyer who told me I should get everything in writing. They told me to this that my lawyer should go over this act with me because I was wrong and didn't know the act. I told them I had a degree and that I had read the act myself and that I understood it. They said obviously I did not have a degree in Collections Management because I had read it wrong. I feel that was slander on me inferring that I was not only inferior but stupid.
They have never sent us an overdue notice in the mail. All their communication with us to notify us the car payment is late is by telephone. They also say that even if the car is one day overdue, they can come and take the car legally.
They have brought me to tears at least twice at work. I try to explain I am doing the best I can and they will be rude. This last phone call of trying to get things in writing, the lady told me how much jeopardy I was putting my husband's credit and the loan in by not wanting their phone calls.
I feel I have been verbally threatened and harassed and so has my husband over the phone over the course of this loan.
But don't despair because I have reported them to my state agency and to the FTC. I am hoping I can nail these not so upstanding individuals to the wall.
Laura
Garland, Utah
U.S.A.
5 Updates & Rebuttals
Laura
Garland,Utah,
U.S.A.
Update: Any Interested Lawyers
#6Author of original report
Wed, July 07, 2004
I just talked to the Utah Division of Collections. According to them, I have no recourse on Americredit. They tell me that the best thing for me to do is to catch up on my loan and keep it caught up (easy for them to say).
They said that even though I felt slandered when pretty much Americredit told me that I was stupid that First Party collectors can and will be harassing. I even told the guy about this web site and how I am not the only case!
Anyone out there who might be interested in suing Americredit ought to take all of these bad reports and shove them at Americredit. It is just "wrong" for a company to treat their customers the way Americredit does.
Everyone out there that is trying to do a loan and someone says to do it through Americredit, run, run fast and don't do it!
Suzanne
Concord,North Carolina,
U.S.A.
americredit is incompetent
#6Consumer Comment
Sat, July 03, 2004
Americredit has some very rude and uneducated employees, the men who came to repo my husbands car were trying to put my car on their truck( we have the same car but different colors)My husband went outside and asked what they were doing, they replied taking this car, he asked them if it was for americredit and they replied yes, he laughed and then went off on them because the car they were trying to take wasn't even financed through americredit, they hadn't even looked at the VIN number.How stupid was that? He told them to leave and not to come back.They harrassed my son at the bus stop asking him questions about his dads car and asked our neighbors, I thought that practice was illegal.Good luck with anyone who has a loan with them.And BEWARE!
Suzanne
Concord,North Carolina,
U.S.A.
americredit is incompetent
#6Consumer Comment
Sat, July 03, 2004
Americredit has some very rude and uneducated employees, the men who came to repo my husbands car were trying to put my car on their truck( we have the same car but different colors)My husband went outside and asked what they were doing, they replied taking this car, he asked them if it was for americredit and they replied yes, he laughed and then went off on them because the car they were trying to take wasn't even financed through americredit, they hadn't even looked at the VIN number.How stupid was that? He told them to leave and not to come back.They harrassed my son at the bus stop asking him questions about his dads car and asked our neighbors, I thought that practice was illegal.Good luck with anyone who has a loan with them.And BEWARE!
Suzanne
Concord,North Carolina,
U.S.A.
americredit is incompetent
#6Consumer Comment
Sat, July 03, 2004
Americredit has some very rude and uneducated employees, the men who came to repo my husbands car were trying to put my car on their truck( we have the same car but different colors)My husband went outside and asked what they were doing, they replied taking this car, he asked them if it was for americredit and they replied yes, he laughed and then went off on them because the car they were trying to take wasn't even financed through americredit, they hadn't even looked at the VIN number.How stupid was that? He told them to leave and not to come back.They harrassed my son at the bus stop asking him questions about his dads car and asked our neighbors, I thought that practice was illegal.Good luck with anyone who has a loan with them.And BEWARE!
Suzanne
Concord,North Carolina,
U.S.A.
americredit is incompetent
#6Consumer Comment
Sat, July 03, 2004
Americredit has some very rude and uneducated employees, the men who came to repo my husbands car were trying to put my car on their truck( we have the same car but different colors)My husband went outside and asked what they were doing, they replied taking this car, he asked them if it was for americredit and they replied yes, he laughed and then went off on them because the car they were trying to take wasn't even financed through americredit, they hadn't even looked at the VIN number.How stupid was that? He told them to leave and not to come back.They harrassed my son at the bus stop asking him questions about his dads car and asked our neighbors, I thought that practice was illegal.Good luck with anyone who has a loan with them.And BEWARE!