- Report: #174071
Complaint Review: Americredit Financial - Fort Worth Texas
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Americredit Financial
801 Cherry Street Suite 3900 Fort Worth, 76102 Texas, U.S.A.
Phone:
800-284-2271
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Americredit Financial Won't Listen, Unhelpful, Rude highway robbers Ripoff Fort Worth Texas
*Consumer Comment: They are very vendictive and will use any underhanded thing they can to get their way
*Consumer Comment: They are very vendictive and will use any underhanded thing they can to get their way
*Consumer Comment: They are very vendictive and will use any underhanded thing they can to get their way
*Consumer Comment: They are very vendictive and will use any underhanded thing they can to get their way
*Consumer Suggestion: Soldiers & Sailors Act protects servicepeople and their families from many civil actions and provides for discounts on some bills
*Consumer Suggestion: Soldiers & Sailors Act protects servicepeople and their families from many civil actions and provides for discounts on some bills
I was amazed to find this site and was relieved to find that I was not alone in my frustration with this company. In 2002 my husband and I had purchased our 1998 van. I wasnt excited about purchasing this van i felt it was overpriced. We didnt have the best credit so we had to go with a company such as Americredit. Because my husbands credit was soooo bad they wouldn't even allow his name on the loan. I did not want the car but I signed the papers against my better judgment and i have been regretting this ever since.
Shortly after purchasing the van he left me and 4 children along with the nice big car payment. We had to go bankrupt. I had a really good job but while I had to pay for the bankruptcy and the divorce a house payment and a car payment that was 400 a month i was going through some rough financial times. Although we went bankrupt I kept my house and reaffirmed on the car. I was able to keep up on the car payments for a couple of years, I was late a few times but I would always call and let them know when I would pay. Even when I called they would still continue to call and hound me. This past summer of 2005 I lost my job due to budget cuts. I immediately called them to let them know the situation. I was getting some unemployment but it wasnt much, I was having difficulty paying these high payments. I started to be late on my payments and i would call them to let them know but it got to the point to where it didnt matter whether I called or not they would still bother me and they were sooo rude. I explained to them my situation, I wasnt expecting them to feel sorry for me I realize they need their money. I have had every intention of paying this debt I kept this debt even after going bankrupt when i could have let the car go and they would have lost out. I explained to them that i lost my job and i was doing the best that i could and they said to me well thats not our problem you need to make your car payment. I so badly wanted to say No s**t sherlock, but you cant get blood from a turnip. I am a very easy going person but once someone p***es me off to the point of no return look out. I guess it would have been nice if they would have tried to work with me and possibly looked into my history with them. One day I called them and asked them for a deferrment, that day the lady said that i would be able to do that. I had to wait til the end of the week. When i called back to do the deferrment they said i am sorry we no longer offer those to our customers. I explained to them that the lady the other day said i could set it up they just siad sorry we need the full payment. I was unable to pay the full amount that day but a day or two later they called me again wanting payment. I explained the situation to them again that i was unemployed and having difficulty ,I hate repeating myself to them all the time i wish they would make notes in the computer. A week later i called back to make a payment adn i thought i would ask about a deferment again to see what they might say this time. The lady said well we had a deferrment set up for you but you failed to call back and make the payment so we can no longer offer that to you. She said I need the full amount today or you will have to surrender your vehicle. I was afraid to say much for fear i might cuss the woman out. I said well i guess you will have to come and get it, I called you wanting to make a payment of some sort today and you wont take it so i guess you will have to do what you have to do. I was at my mothers house that day when i made the call, 2 minutes later the phone rings adn its americredit and they asked for me. I asked them how they got the phone number she said we have caller ID. I said well after this please dont call here this is my mothers house. The lady offered me the defferment on the vehicle i said i just spoke to someone a few minutes ago that argued with me and wouldnt let me pay the deferrment. She siad yes i know she just gave me the papers and told me to give you a call back. In my opinion that was uncalled for the lady before just felt like arguing adn trying to push her so-called weight around and bully me.
Sorry for rambling on but here is my dilemma at this point I now cannot afford this car. After paying on this car for a few years I still owe 10,000 and the book value on the car is approximately 6,000. I went to my bank they told me they would pay americredit book value for the car and send a check immediately if they would agree to this. I cannot get ahold of anyone that could possibly help me. I called americredit to ask them if I could speak to someone that could help me work out a deal and she said you can talk to me adn i can tell you that we dont do that sort of thing. I explained to her that i cannot afford these payments that my employment situation has changed, at the time i purchased the car I had a very good paying job and right now that is not the case. She didnt care she kept telling me your only choices are to pay the payments or surrender the car. I am doing the best i can on these payments but I am always a bit behind and soon i am sure they will be knocking on my door but i am screwed because if i surrender the car I am not any better off I would still be responsible for paying for the car I dont have. I am sure they dont want to call me every day begging for money and I dotn like the fact that i cannot make the payment that i committed to but life situations change sometimes they are beyond our control. I am trying to make a deal and take care of this but they would rather be stupid and stubborn. What can I do and does anyone know if there is anyway to contact a president or someone in charge at americredit or am i just screwed?
Tammy
clare, Iowa
U.S.A.
Click here to read other Rip Off Reports on Americredit Auto Financial Services
Shortly after purchasing the van he left me and 4 children along with the nice big car payment. We had to go bankrupt. I had a really good job but while I had to pay for the bankruptcy and the divorce a house payment and a car payment that was 400 a month i was going through some rough financial times. Although we went bankrupt I kept my house and reaffirmed on the car. I was able to keep up on the car payments for a couple of years, I was late a few times but I would always call and let them know when I would pay. Even when I called they would still continue to call and hound me. This past summer of 2005 I lost my job due to budget cuts. I immediately called them to let them know the situation. I was getting some unemployment but it wasnt much, I was having difficulty paying these high payments. I started to be late on my payments and i would call them to let them know but it got to the point to where it didnt matter whether I called or not they would still bother me and they were sooo rude. I explained to them my situation, I wasnt expecting them to feel sorry for me I realize they need their money. I have had every intention of paying this debt I kept this debt even after going bankrupt when i could have let the car go and they would have lost out. I explained to them that i lost my job and i was doing the best that i could and they said to me well thats not our problem you need to make your car payment. I so badly wanted to say No s**t sherlock, but you cant get blood from a turnip. I am a very easy going person but once someone p***es me off to the point of no return look out. I guess it would have been nice if they would have tried to work with me and possibly looked into my history with them. One day I called them and asked them for a deferrment, that day the lady said that i would be able to do that. I had to wait til the end of the week. When i called back to do the deferrment they said i am sorry we no longer offer those to our customers. I explained to them that the lady the other day said i could set it up they just siad sorry we need the full payment. I was unable to pay the full amount that day but a day or two later they called me again wanting payment. I explained the situation to them again that i was unemployed and having difficulty ,I hate repeating myself to them all the time i wish they would make notes in the computer. A week later i called back to make a payment adn i thought i would ask about a deferment again to see what they might say this time. The lady said well we had a deferrment set up for you but you failed to call back and make the payment so we can no longer offer that to you. She said I need the full amount today or you will have to surrender your vehicle. I was afraid to say much for fear i might cuss the woman out. I said well i guess you will have to come and get it, I called you wanting to make a payment of some sort today and you wont take it so i guess you will have to do what you have to do. I was at my mothers house that day when i made the call, 2 minutes later the phone rings adn its americredit and they asked for me. I asked them how they got the phone number she said we have caller ID. I said well after this please dont call here this is my mothers house. The lady offered me the defferment on the vehicle i said i just spoke to someone a few minutes ago that argued with me and wouldnt let me pay the deferrment. She siad yes i know she just gave me the papers and told me to give you a call back. In my opinion that was uncalled for the lady before just felt like arguing adn trying to push her so-called weight around and bully me.
Sorry for rambling on but here is my dilemma at this point I now cannot afford this car. After paying on this car for a few years I still owe 10,000 and the book value on the car is approximately 6,000. I went to my bank they told me they would pay americredit book value for the car and send a check immediately if they would agree to this. I cannot get ahold of anyone that could possibly help me. I called americredit to ask them if I could speak to someone that could help me work out a deal and she said you can talk to me adn i can tell you that we dont do that sort of thing. I explained to her that i cannot afford these payments that my employment situation has changed, at the time i purchased the car I had a very good paying job and right now that is not the case. She didnt care she kept telling me your only choices are to pay the payments or surrender the car. I am doing the best i can on these payments but I am always a bit behind and soon i am sure they will be knocking on my door but i am screwed because if i surrender the car I am not any better off I would still be responsible for paying for the car I dont have. I am sure they dont want to call me every day begging for money and I dotn like the fact that i cannot make the payment that i committed to but life situations change sometimes they are beyond our control. I am trying to make a deal and take care of this but they would rather be stupid and stubborn. What can I do and does anyone know if there is anyway to contact a president or someone in charge at americredit or am i just screwed?
Tammy
clare, Iowa
U.S.A.
Click here to read other Rip Off Reports on Americredit Auto Financial Services
6 Updates & Rebuttals
Matthew
Aberdeen,North Carolina,
U.S.A.
Soldiers & Sailors Act protects servicepeople and their families from many civil actions and provides for discounts on some bills
#2Consumer Suggestion
Wed, February 01, 2006
Rachel, The "Soldiers and Sailors Relief Act" protects servicepeople and their families from many civil actions and provides for discounts on some bills. Since your husband was deployed, you should have been able to at least get some type of understanding from AmeriCredit. Since your vehicle has been repoed, I don't know what you can do, but perhaps you might be able to get some type of monetary reparations from AmeriCredit. Here is a link for the SSRA: http://www.carreonandassociates.com/articles/soldiersact.html Perhaps your husband can go to his unit's legal advisor/Staff Judge Advocate and see if anything can be done. Good Luck and Drive On!
Matthew
Aberdeen,North Carolina,
U.S.A.
Soldiers & Sailors Act protects servicepeople and their families from many civil actions and provides for discounts on some bills
#3Consumer Suggestion
Wed, February 01, 2006
Rachel, The "Soldiers and Sailors Relief Act" protects servicepeople and their families from many civil actions and provides for discounts on some bills. Since your husband was deployed, you should have been able to at least get some type of understanding from AmeriCredit. Since your vehicle has been repoed, I don't know what you can do, but perhaps you might be able to get some type of monetary reparations from AmeriCredit. Here is a link for the SSRA: http://www.carreonandassociates.com/articles/soldiersact.html Perhaps your husband can go to his unit's legal advisor/Staff Judge Advocate and see if anything can be done. Good Luck and Drive On!
Rachel
Walkertown,North Carolina,
U.S.A.
They are very vendictive and will use any underhanded thing they can to get their way
#4Consumer Comment
Wed, February 01, 2006
Tammy, I understand your frustration concerning this underhanded company. The best thing to do is make sure you take names and dates and times per each conversatioin with Americredit. You can get the list of all CEO's off the website and my husband sent certified letters to all of them. Whether they are answered is yet to be discovered. Most of the bigwheels there dont want to be bothered with their customers, so they pass us along to one of their 3,000 Asst. Vice Presidents. We were told that Americredit makes their employees put Asst. Vice President in front of their names to make them look more official. I think the President of the company changes from day to day, depending on whom you speak to. Most of the time our emails, faxes, certified letters and so on are ignored. But, when we report them to the BBB, and Attorney General , they take a little notice then. Of course, they tell the BBB a bunch of lies as to what they say they do to help the customer, but yet they never do it. Just keep reporting them until something is done. The reason they ignore you is so they can add more late charges and more interest on top of the already ridiculous interest rates to start with. These people are rude and will continue to be rude as long as Americredit stays in business. Loansharks are in the money making business and they dont care what hardships fall on you. They just try to squeeze a little more out of you, and push you even farther and farther down in debt. They are very vendictive and will use any underhanded thing they can to get their way. Their pattern is the same with their customers, and you can verify this with all the rip-off reports that you read. Just think of all the people who havent even reported their drama with Americredit. It doesnt really matter if you call them or not call them, they will do whatever they want to. But, it will look better for you if you can show with documentation and names that you have really tried to pay off your car and that you want to pay it off. All you can do is keep trying and if you are like the rest of us, they refuse to let you out of a contract. AMERICREDIT is known for losing payments, and they seem to really lose the ones sent Western Union. Keep receipts , no matter what form you use to pay them, because I can assure you they add with BIG PENCILS AND EVEN BIGGER CALCULATORS. My husband tried to surrender our car when he got back from his deployment and we were told, oh no, dont do that, we will work with you, blah blah blah. He asked them where he could take it to and so forth. Frank Delgado said that he would work with us and his boss Deshani Walton, was involved also. Americredit had illegally put our acct. in charge-off while he was deployed. Then the wanna be President/Asst. Vice President/ customer service rep/legal asst./ (yes, she uses all these titles) Ms. drama queen Amy Quinn got involved, which we dont really know for sure what her title is besides scapegoat for the CEO's, but anyway, she had the car repoed without notice to us. If you call six days after the fact , notice, then I guess we did get notice. So, that is why I know they will do whatever they want to, no matter what is said to you on the phone. One of the CEO's, Mr. Chris Choate, emailed my husband and asked him didnt he have anything else to do?????? So, I know they resent being bothered with questions, but the way I look at it, that is their job to help customers. Customers pay their salary and I am sure that it is a very large salary at that. Americredit treats all their customers like lowlifes because they know that they had credit problems or no credit when they became customers. So, when you are late or something unforseen happens, they act even worse and their loanshark tactics get in full swing then. When they stop putting negative credit statments on credit reports and when they stop making up ridiculous amounts that we owe, then we will be done with them once and for all. Until then, the love affair continues. What they are bad to do is put the whole amount of the loan on your credit report and never show you made even one payment. Beware of Americredit, because they are NO GOOD. They will continue to hear from us until they credit our account for the payments we made. We all are screwed one way or another, by using them to start with. But, the dealers cover up for them and we were not familiar with them, before this, so next time , you can best believe we will check out the loan company we use in the future. This website has been a tremendous help to others so they can know that they dont stand alone when dealing with these loan sharks. Wish you the best.............
Rachel
Walkertown,North Carolina,
U.S.A.
They are very vendictive and will use any underhanded thing they can to get their way
#5Consumer Comment
Wed, February 01, 2006
Tammy, I understand your frustration concerning this underhanded company. The best thing to do is make sure you take names and dates and times per each conversatioin with Americredit. You can get the list of all CEO's off the website and my husband sent certified letters to all of them. Whether they are answered is yet to be discovered. Most of the bigwheels there dont want to be bothered with their customers, so they pass us along to one of their 3,000 Asst. Vice Presidents. We were told that Americredit makes their employees put Asst. Vice President in front of their names to make them look more official. I think the President of the company changes from day to day, depending on whom you speak to. Most of the time our emails, faxes, certified letters and so on are ignored. But, when we report them to the BBB, and Attorney General , they take a little notice then. Of course, they tell the BBB a bunch of lies as to what they say they do to help the customer, but yet they never do it. Just keep reporting them until something is done. The reason they ignore you is so they can add more late charges and more interest on top of the already ridiculous interest rates to start with. These people are rude and will continue to be rude as long as Americredit stays in business. Loansharks are in the money making business and they dont care what hardships fall on you. They just try to squeeze a little more out of you, and push you even farther and farther down in debt. They are very vendictive and will use any underhanded thing they can to get their way. Their pattern is the same with their customers, and you can verify this with all the rip-off reports that you read. Just think of all the people who havent even reported their drama with Americredit. It doesnt really matter if you call them or not call them, they will do whatever they want to. But, it will look better for you if you can show with documentation and names that you have really tried to pay off your car and that you want to pay it off. All you can do is keep trying and if you are like the rest of us, they refuse to let you out of a contract. AMERICREDIT is known for losing payments, and they seem to really lose the ones sent Western Union. Keep receipts , no matter what form you use to pay them, because I can assure you they add with BIG PENCILS AND EVEN BIGGER CALCULATORS. My husband tried to surrender our car when he got back from his deployment and we were told, oh no, dont do that, we will work with you, blah blah blah. He asked them where he could take it to and so forth. Frank Delgado said that he would work with us and his boss Deshani Walton, was involved also. Americredit had illegally put our acct. in charge-off while he was deployed. Then the wanna be President/Asst. Vice President/ customer service rep/legal asst./ (yes, she uses all these titles) Ms. drama queen Amy Quinn got involved, which we dont really know for sure what her title is besides scapegoat for the CEO's, but anyway, she had the car repoed without notice to us. If you call six days after the fact , notice, then I guess we did get notice. So, that is why I know they will do whatever they want to, no matter what is said to you on the phone. One of the CEO's, Mr. Chris Choate, emailed my husband and asked him didnt he have anything else to do?????? So, I know they resent being bothered with questions, but the way I look at it, that is their job to help customers. Customers pay their salary and I am sure that it is a very large salary at that. Americredit treats all their customers like lowlifes because they know that they had credit problems or no credit when they became customers. So, when you are late or something unforseen happens, they act even worse and their loanshark tactics get in full swing then. When they stop putting negative credit statments on credit reports and when they stop making up ridiculous amounts that we owe, then we will be done with them once and for all. Until then, the love affair continues. What they are bad to do is put the whole amount of the loan on your credit report and never show you made even one payment. Beware of Americredit, because they are NO GOOD. They will continue to hear from us until they credit our account for the payments we made. We all are screwed one way or another, by using them to start with. But, the dealers cover up for them and we were not familiar with them, before this, so next time , you can best believe we will check out the loan company we use in the future. This website has been a tremendous help to others so they can know that they dont stand alone when dealing with these loan sharks. Wish you the best.............
Rachel
Walkertown,North Carolina,
U.S.A.
They are very vendictive and will use any underhanded thing they can to get their way
#6Consumer Comment
Wed, February 01, 2006
Tammy, I understand your frustration concerning this underhanded company. The best thing to do is make sure you take names and dates and times per each conversatioin with Americredit. You can get the list of all CEO's off the website and my husband sent certified letters to all of them. Whether they are answered is yet to be discovered. Most of the bigwheels there dont want to be bothered with their customers, so they pass us along to one of their 3,000 Asst. Vice Presidents. We were told that Americredit makes their employees put Asst. Vice President in front of their names to make them look more official. I think the President of the company changes from day to day, depending on whom you speak to. Most of the time our emails, faxes, certified letters and so on are ignored. But, when we report them to the BBB, and Attorney General , they take a little notice then. Of course, they tell the BBB a bunch of lies as to what they say they do to help the customer, but yet they never do it. Just keep reporting them until something is done. The reason they ignore you is so they can add more late charges and more interest on top of the already ridiculous interest rates to start with. These people are rude and will continue to be rude as long as Americredit stays in business. Loansharks are in the money making business and they dont care what hardships fall on you. They just try to squeeze a little more out of you, and push you even farther and farther down in debt. They are very vendictive and will use any underhanded thing they can to get their way. Their pattern is the same with their customers, and you can verify this with all the rip-off reports that you read. Just think of all the people who havent even reported their drama with Americredit. It doesnt really matter if you call them or not call them, they will do whatever they want to. But, it will look better for you if you can show with documentation and names that you have really tried to pay off your car and that you want to pay it off. All you can do is keep trying and if you are like the rest of us, they refuse to let you out of a contract. AMERICREDIT is known for losing payments, and they seem to really lose the ones sent Western Union. Keep receipts , no matter what form you use to pay them, because I can assure you they add with BIG PENCILS AND EVEN BIGGER CALCULATORS. My husband tried to surrender our car when he got back from his deployment and we were told, oh no, dont do that, we will work with you, blah blah blah. He asked them where he could take it to and so forth. Frank Delgado said that he would work with us and his boss Deshani Walton, was involved also. Americredit had illegally put our acct. in charge-off while he was deployed. Then the wanna be President/Asst. Vice President/ customer service rep/legal asst./ (yes, she uses all these titles) Ms. drama queen Amy Quinn got involved, which we dont really know for sure what her title is besides scapegoat for the CEO's, but anyway, she had the car repoed without notice to us. If you call six days after the fact , notice, then I guess we did get notice. So, that is why I know they will do whatever they want to, no matter what is said to you on the phone. One of the CEO's, Mr. Chris Choate, emailed my husband and asked him didnt he have anything else to do?????? So, I know they resent being bothered with questions, but the way I look at it, that is their job to help customers. Customers pay their salary and I am sure that it is a very large salary at that. Americredit treats all their customers like lowlifes because they know that they had credit problems or no credit when they became customers. So, when you are late or something unforseen happens, they act even worse and their loanshark tactics get in full swing then. When they stop putting negative credit statments on credit reports and when they stop making up ridiculous amounts that we owe, then we will be done with them once and for all. Until then, the love affair continues. What they are bad to do is put the whole amount of the loan on your credit report and never show you made even one payment. Beware of Americredit, because they are NO GOOD. They will continue to hear from us until they credit our account for the payments we made. We all are screwed one way or another, by using them to start with. But, the dealers cover up for them and we were not familiar with them, before this, so next time , you can best believe we will check out the loan company we use in the future. This website has been a tremendous help to others so they can know that they dont stand alone when dealing with these loan sharks. Wish you the best.............
Rachel
Walkertown,North Carolina,
U.S.A.
They are very vendictive and will use any underhanded thing they can to get their way
#7Consumer Comment
Wed, February 01, 2006
Tammy, I understand your frustration concerning this underhanded company. The best thing to do is make sure you take names and dates and times per each conversatioin with Americredit. You can get the list of all CEO's off the website and my husband sent certified letters to all of them. Whether they are answered is yet to be discovered. Most of the bigwheels there dont want to be bothered with their customers, so they pass us along to one of their 3,000 Asst. Vice Presidents. We were told that Americredit makes their employees put Asst. Vice President in front of their names to make them look more official. I think the President of the company changes from day to day, depending on whom you speak to. Most of the time our emails, faxes, certified letters and so on are ignored. But, when we report them to the BBB, and Attorney General , they take a little notice then. Of course, they tell the BBB a bunch of lies as to what they say they do to help the customer, but yet they never do it. Just keep reporting them until something is done. The reason they ignore you is so they can add more late charges and more interest on top of the already ridiculous interest rates to start with. These people are rude and will continue to be rude as long as Americredit stays in business. Loansharks are in the money making business and they dont care what hardships fall on you. They just try to squeeze a little more out of you, and push you even farther and farther down in debt. They are very vendictive and will use any underhanded thing they can to get their way. Their pattern is the same with their customers, and you can verify this with all the rip-off reports that you read. Just think of all the people who havent even reported their drama with Americredit. It doesnt really matter if you call them or not call them, they will do whatever they want to. But, it will look better for you if you can show with documentation and names that you have really tried to pay off your car and that you want to pay it off. All you can do is keep trying and if you are like the rest of us, they refuse to let you out of a contract. AMERICREDIT is known for losing payments, and they seem to really lose the ones sent Western Union. Keep receipts , no matter what form you use to pay them, because I can assure you they add with BIG PENCILS AND EVEN BIGGER CALCULATORS. My husband tried to surrender our car when he got back from his deployment and we were told, oh no, dont do that, we will work with you, blah blah blah. He asked them where he could take it to and so forth. Frank Delgado said that he would work with us and his boss Deshani Walton, was involved also. Americredit had illegally put our acct. in charge-off while he was deployed. Then the wanna be President/Asst. Vice President/ customer service rep/legal asst./ (yes, she uses all these titles) Ms. drama queen Amy Quinn got involved, which we dont really know for sure what her title is besides scapegoat for the CEO's, but anyway, she had the car repoed without notice to us. If you call six days after the fact , notice, then I guess we did get notice. So, that is why I know they will do whatever they want to, no matter what is said to you on the phone. One of the CEO's, Mr. Chris Choate, emailed my husband and asked him didnt he have anything else to do?????? So, I know they resent being bothered with questions, but the way I look at it, that is their job to help customers. Customers pay their salary and I am sure that it is a very large salary at that. Americredit treats all their customers like lowlifes because they know that they had credit problems or no credit when they became customers. So, when you are late or something unforseen happens, they act even worse and their loanshark tactics get in full swing then. When they stop putting negative credit statments on credit reports and when they stop making up ridiculous amounts that we owe, then we will be done with them once and for all. Until then, the love affair continues. What they are bad to do is put the whole amount of the loan on your credit report and never show you made even one payment. Beware of Americredit, because they are NO GOOD. They will continue to hear from us until they credit our account for the payments we made. We all are screwed one way or another, by using them to start with. But, the dealers cover up for them and we were not familiar with them, before this, so next time , you can best believe we will check out the loan company we use in the future. This website has been a tremendous help to others so they can know that they dont stand alone when dealing with these loan sharks. Wish you the best.............
