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AmeriCredit Customer Service Contacts

1800 644 2297 (Customer Service)
801 Cherry Street, Ste. 3500
Fort Worth, Texas
United States - 76102
Mon7:00 AM - 8:00 PM
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Complaints & Reviews

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
AmeriCreditHarrassing Phone Calls

Please report this company to the FTC and your local Attorney General's office. If enough people make a complaint against this company then we might get a CLASS ACTION SUIT started. They are illegally harrassing my job and family members. Also have your loan application AUDITED. Duane Overton helped me. Please people get started on those complaints.

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    • Da
      darcy47qpt Aug 28, 2010

      I've only just begun with complaints against these crooks...I'd love to have my contract audited and get a class action suit against these sharks. Add me to your list!

      0 Votes
    • 4k
      4kids Jan 22, 2011

      add me to your list also. I had a 20, 000 dollar loan. with 3000 down and paid 4 years at 468 a month. It was repossed in 2005. They are trying to say we owe 10, 000. How could that be. This should be dropping off my credit but they keep renewing it. Id love to get on the wagon. Yeah my bad I didnt pay, but the soo ripped me off too.

      0 Votes
    • 4k
      4kids Jan 22, 2011

      Totally agree> The company isnt helping you.They are a rip off> If you aready have bad credit and have payment issues, why would you charge outrageous interest> They did harass me and keep renewing it on my credit, but never send me anything. Its been since 2005. Id love a class action law suit on them.

      0 Votes
    • Mi
      miss d.v Feb 20, 2011

      ADD US TO THE LIST, OUR DEALER WHO SOLD US THE CAR CLOSED DOWN ALREADY, WE DID NOT UNDERSTAND TILL NOW THAT AMERICREDIT IS A CREDIT UNION AND THEY DONT DO ANYTHING WITH THESE LOANS OTHER THAN CHARGE YOU FOR IT EVERY MONTH .WE ASKED TO BE REFINANCED TO HELP US LOWER THE 713.00 CAR PAYMENT AFTER PAYING ON IT FOR 2 YEARS, WE INFORMED THEM THAT WE COULDN'T KEEP UP WITH THE PAYMENTS ANYMORE DUE TO OUR INCOME CHANGE.THEY SAID NO WAY CAN'T DO !!! IT WAS UP TO US TO TRY TO REFINANCE OUR LOAN ON OUR OWN.AS OF 1/2011 THE CAR HAS BEEN REPO I WAS TOLD IT WILL GO THROUGH AN AUCTION AND WE WILL BE NOTIFIED BY MAIL OF ANY INFO .ITS ALMOST MARCH NOW AND STILL NOTHING!!! I CAN NOT EVEN IMAGINE WHERE THIS IS GOING !!! ANYONE OUT THERE WITH ANY INFO /ADVICE ???

      0 Votes

    AmeriCreditUSURIOUS FEES

    Just got off the phone with The Texas State Attorney's Office Greg Abbott [protected] extension 8825 Joanne. They are close to launching an investigation of this company but would like some more complaints to do so. You can easily file a complaint online at http://www.oag.state.tx.us/consumer/complain.shtml or send it by USPS Below is a letter which describes my complaint
    I have recently made the final payment on my 2004 Mercury Grand Marquis and was amazed to find out that besides the $179.56 in late fees and $39.28 interest due there was a usurious fee of $3, 782, 31 added on. This is of course absurd as that would make the total payoff over 60 months $31, 406.32 on a $17, 264.74 loan (81.9%!!!) instead of the agreed on $27, 624.00.

    The $3, 782.31 is a fictional fee that can’t be explained by any accounting method. This is neither an amortized amount nor straight line interest. Your term for it is “extension fee”

    I have paid the $218.84 in late fees and interest and will pay the 4 installments of $1, 005.02 by the 27th of each month as agreed with your employee James. However please be advised that if the full $3, 782.31 is not forgiven by Tuesday August 10, 2010 I will notify the Attorney General Greg Abbott of Texas in regards to the usurious charges.

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      AmeriCredit — Rewritten Contract

      In April 2005, my husband and I bought a car. We made extra payments on the principle of the loan, and we...

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      AmericCredit — Deficiency Calculation

      AmeriCredit stated to me that I must be the caregiver of Emma Hamilton estate in order to get the car back...

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      AmeriCreditCustomer service? Not with this company!

      If anybody reads a report about AmeriCredit and it says that they provide excelent customer service, throw the bull *** flag and wipe you butt with the paper it's written on.

      First off, you can't just talk to a live person. No, you have to leave a message for them to call you back. Then you have to sit around your house for a day and a half waiting for them to call. When the lazy ### do finally call, they put you right back to their voice mail and want you to do it all over again.

      If you try to speak to a person in a boss related position, they won't take your call. That leaves you with no choice but to leave another message with a group of jack *** that don't give a *** about customer service, and you have to wait another unknown amount of time for them to get back to you.

      I suggest that if you have an option to either get a loan thru AmeriCredit or give yourself a rectal exam using plyers and a ball bat, choose the exam. Atleast that way you know it's going to hurt.

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        • Pa
          pauljenn88 Apr 06, 2010

          i'm having problems with them also i was laid off they won't work with me i have been sending what i could with out notice they came and took my car with all my daughters things in it

          0 Votes

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        The complaint has been investigated and
        resolved to the customer's satisfaction
        Resolved
        American Credit ServicesScam Artist

        First off all of these blogs are my story to a T. We was contacted yesterday by a man with a strong India accent named Justin Wright. Ok we wasn't home and he left a message telling us that my husband or his attorney needed to contacted him and if we didn't and I quote" This message is ("agenitle or attended" not really sure) ___ ___ from the second you recieve this message I need you or your region attorney of records to return the call. The issue at hand is extremly time sensitive my name is Justin Wright the hotline to my ext. is [protected] I repeat it [protected] Don't disregard this message and do return the call. If you don't return the call If I don't hear from your attorney either. The only thing I can do is wish you good luck, ( "a cheerful call from you" not sure here either the accent gets me ) Good Bye, Take care." This was straight from the answer machine. He told me I had recieved money on March 09" for a payday loan.He knew all my info just like everyone else. I was scared. I told him that there had to be a mistake and told him my wallet was stolen back in October. He told me they had sent me 80 emails in 09. And that their was no way that anyone could get my email from my wallet. He was yelling at me which made me furious I ask him how he knew what was in my wallet did he steal it. he continued to say that my Husband was in Violation with Check fraud and that we owed 700.00 and if we didn't pay today then by Monday that he would be prosecuted by his law firm. I ask him send me an email with this information where it was from and that I couldn't understand him he said and I quote" Quit acting like a baby you know exactly what I am talking about and if you don't pay today then your husband will go to jail" I ask him where is this going to be held at he said at my county code and I kept asking him what county code my zip code. he yells at me and says stop raising your voice at me. Code county code i said can you spell it he spelled court I said oh you mean court like the court house, he said yes. Your county attorney will prosecute He asked if I had an attorney and I said yes. Then asked him who is prosecuting he said your county attorney and I laughed. he said what are you laughing about do you have an attorney. I said my attorney is the county attorney he said then what is his name and I gave it. Im a hillybilly in a small town everyone knows everyone here and just so happens the county attorney lives here. and Is a family friend. So I get off the phone and my husband did a reversal phone listing. and looked up saugus, ny no place exsist. Just Saugus Mass. It came up a cell phone in Ny. My husband was like it's a scam. So to be sure we call the attorney today and the bank to see if there was a deposit made and we missed it. The attorney was laughing and advised us to tell a well known detective. So the detective calls them and we didn't get a chance to call him back with the results but I will tommorrow. So I called then this morning and asked for Justin the guy told me he was in a meeting "I HOPE". I said then let me talk to a supervisior he said they was all in a meeting. I said well then you can look this up for me he said I am just the phone operator. I said so you are telling me that there is nobody else to talk to just you no suporvisiors he told me to call back in an hour. I could hear all kinds of noise in the back ground like people laughing and them covering the phone and I could hear him yelling for him when I called back I just couldn't make the name through the accent probably sdhgkjndsvkjnv. who knows. Then at this point we knew we was gonna have some fun with these people. So when I call again a woman is on the phone she said hello can I help you I said who am I speaking with she said can I have your last name. I said not until I get your name she said bla bla bla call back when you can give me a last name. So I call back again and begin to ask alot of questions this Justin guy was furious and told me that it would be handled in court Monday and then I ask where do I need to be at this is when he gave me the Saugus Ny 92865 and tells me that if " I call again he will press harassment charges on Me" I said please do" and he hangs up on me. So all day today I have researched every detail of our conversation Saugus is in Mass., then there is the Ny where there phone number shows up then I thought ok what about the zip code. So I research it, it's in Orange County California. So we have called the number using call block and called all the numbers everyone else had posted. And so far they are all the same people. But one thing is weird one call we made and just hit mute the guy sounded like an AMERICIAN saying Hello can I help you" it was the same number I have called all day I had been hitting redial and just listening and then my husband it being on speaker said that is no cell phone its a corded landline they had slamed the phone down. So this is our story the same as everyone elses. And for the record it is 9:30pm tonight and now there line is not in service. IT IS ALL SCAM!!! THey will continue to recieve my phone calls and I am going to show them what harrassment is all about!!!

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          • Mi
            Mirsoul Jun 30, 2011
            This comment was posted by
            a verified customer
            Verified customer

            I have received two calls from this company. It is the exact same story, man with thick accent, lots of background noise, telling me a lawsuit has been filed against me. I did not confirm nor give them any of my information, however I did not even give them the time of day on this. Just informed them that I was aware of the scam, nice try and hung up. Amazing that this is still going around.

            0 Votes

          The complaint has been investigated and
          resolved to the customer's satisfaction
          Resolved
          American Credit ServicesHarrassment

          I have been getting these phone calls from a person named Neil Johnson stating that there is a legal process against me and if I want to know more I better call him. I called the number [protected]. Before I called, I checked public records just to make sure there were no lawsuits against me. Once I called, I was transferred to David Jones. He started SCREAMING at me that I was being charged wtih check fraud, wire fraud and not paying a payday loan. I had no idea what he was talking about. He said there was a suit against me. I told him I had just looked that up and that there was no suit. I told him I needed the paperwork mailed to my home of this so called complaint. he would NOT MAIL ANYTHING. he kept screaming at me and shouting his name and his lawyer number. Finally I told him he had to email me something. What he emailed me was made to look official but was not. I checked with my bank and I have never had a bounced check or fraud of any kind on my account. What is really frightening is that they have my social security number, my bank number and the names of my sisters. I am filing a police report right away and closing my bank account. I am well aware of my rights and know that it is illegal to threated false legal action and scream and threaten someone. I don't believe this company is in the US as they don't speak English well and all and instead of refurring to my social security number...they keep saying my social security. Please beware of these people. They are SCAM artists and use threats and aggression to scare people into paying them money they are not owed. I don't know what more to do but everyone needs to beware!!!

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            The complaint has been investigated and
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            Resolved
            American Credit ServicesAsking for immediate payment of a loan

            I got a call in the office 2 weeks ago regarding a loan from fastcash and it was from a Mr. Robin Jackson and the phone number is [protected]. He said that i didnot reply to several emails from a loan company and now immediate payment for $614.00 should be made or i need to go to court to settle this. A particular Mr. Michael Brown with phone number [protected] also called regarding this loan. I was so surprised receiving this call and honestly i was terrified, calling me at work and harassing me. This is such a very bad experience.

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              • Pe
                pedro222 Mar 02, 2010

                The same thing happened to me last year 2009 but in my case I gave them my bank account number with the same robin jackson he said they will charge me with criminals charges because I did not paid my loan. I terrified and with out think twice I gave them my bank account and they took out from my bank checking account the amount of 614.00. dollars
                today march 2, 2010 they called me back with the same history and this time I confront him telling him that he is a thief and he hung the telephone. I was robbered by this gansters. Never paid attention to this call or the same thing that happened to me will happend to you
                Pedro R
                New Yor

                0 Votes
              • Su
                sue4254 Mar 19, 2010

                There is a scam going on right in our area and I think area viewers need to know about it, so they don't have the horrid experience. You get a call at work from different names, but sounds like same man. Mine was Robin Jackson. There is a lot of background noise and a thick accent, making it very difficult to understand. The man states that you have defaulted on a payday loan, and they have decided rather than to pursue it, to charge you with check deception, theft and several other horrid charges. he then asks you where you will be at 1030 the next morning, and says the police will be at your house to pick you up and take you to jail. When pressed for details, like who do I supposedly owe, they say it might be Fast Cash. The email address they gave me was [email protected] The first phone number they gave me [protected], is out of service. When they called back yesterday, demanding to speak to my boss, so I can be fired, they gave me another number [protected]. When I looked this up online, it seems as if they have been after 100's of people, all with the same story. They threaten you with jail, loss of your job, and it catches you so off guard, it is scary. They have your SSN, address, phone numbers, bank account numbers. There have been a fair number of people that have sent them money, thinking it would end the harrassment, but it does not, they want more. These people need to be stopped, and the word needs to get out, so others don't have this experience. Thank you Susan M Hoffman, Oroville, CA

                0 Votes
              • Tu
                tuckerzoe Apr 06, 2010

                My husband and I have had the same experience. We are told to call [protected]. The person calling has a very thick india accent and has been using the name Patrick Gibbs and Eric Matthews. They sound like the same person. They have been calling my husbands work and leaving threatening messages. Saying that we have defaulted on a payday loan. A couple of years ago out of desparation we took out a payday loan, but paid the money back. I wonder if they somehow got our information from that payday loan company. Biggest mistake we ever made. My husbands work has an employee advocate. She called the number back and recorded the conversation and told them she was turning them over to the Attorney Generals office. zoesadie

                0 Votes
              • Sa
                Sarabella H Nov 21, 2010

                I received this same call today and yesterday (11/20/2010). I called back because a message was left stating that there were criminal allegations place on my social security number which he stated my last 4 digit. the caller name was albert walker . when I called back he put me in touched with Frank Jefferson. Frank Jefferson went on to state the same speel about how I had a payday loan from cashadvance usa that I didn't pay back. he stated that several attempts were made on bank account which was returned. I did state that I have payday loans(not with cash advance usa) but they were paid and I was not aware of any return unpaid loans. He constantly repeated to me that the call was being recorded for the purposes of being able to use in court against me. He made mention of attorney and if had one and would like to continue the case in court. I stated to him I didn't have an attorney because I was not aware of a case against and not aware of being in default of a loan. He was reading from a prepared paper because everytime interupted with questions he would tell me not to interupt and he would answer my question once he was finished. He also stated that he would have to refer to their attorney Julian Marshall which was a higher authority. He and the so called atty. ask me if I were ever arrested or had a lawsuit against me. He told me that he could not make any decision but would really like to help me becuse I seem like a good person and have good credit becuase they ran background and credit checks on me. He would talk to mr. marshall for me becuse mr. marshall was a higher authority. then he comes back and said Mr. marsall would like to speak with me so I could convince him I want to resolve this out of court. I was really scare because I thought someone had stolen my info(which they did)and was doing illegal activities against me. Because they threaten to report information to my employment, I almost paid this clown. then something hit me when he tried to make me pay him (579.63)with a debit or credit card in 45 minutes and write a letter of apology and intent through faxing it to this number [protected]. This is called OOCR-(out of court retribution). I think God alert during ending of conversation because I started asking many questions that he would keep interupting me. I ask him what law firm and address was his attorney Julian Marshall from and he gave me this information Morgan Law Associates, 19623 Lake Hollow lane, Houston, Texas 77084. After hanging up with this clown, he called me back threaten me that i better call back by monday because they were leaving the office for the day. I forgot to mention earlier the number that these scammer called from [protected] Grapevine, Texas and [protected] Fort Worth, Texas located in Tarrant County. I plan to contact the state atty general they must be stopped and I will notify as many people possible of this scam.

                0 Votes
              • Li
                Lisa in Texas Oct 27, 2011

                OMG i just got the same Call from [protected] sayn that i was going to go to jail that i would be going to court and my job would be aware of this and i had till 12:30p.m. to pay a fine of 222.53 and two more payments of 222.53 with in the next month. He had such a strong accent that i couldnt even understand the first name he gave me but the whole time hes telln me all this he scared the crap out of me he also told me that i had 20 minutes to fax an apology letter to Julian Marshall sayn i would pay my fines in a timely matter. But something told me look google this Julian Marshall person and it led me to this.

                0 Votes

              The complaint has been investigated and
              resolved to the customer's satisfaction
              Resolved
              AmeriCreditCar Loan

              The car dealer we went to put our car loan with AmeriCredit. OMG, nothing but BS from this company. If you pay your car payment on their website, they charge a $5.00 fee which by the way it would be applied to the car. My bank deducts 1/2 my payment (bi-weekly) and sends to Americredit. When I first got my car loan, I had to call each and every month to tell Americredit to apply all payments to my car...well, I started traveling more and could not call, never heard from Americredit until Christmas vacation I get a call at work, I checked my messages at work while on vacation, bad thing to do! (-: I called AmeriCredit and they told me I owed $600.00 and something...boy was I PISSED!!! Anyway, they told me that my payments were not applied to my car but to the interest...WTF...I could not believe this. I had to explain how my payments are set-up and how I should not be late...they applied some of my payments to the interest and not my car. I was told it would be fixed...well I was wrong, I had to call again, and again I was told it would be fixed. I was told it had to do with my September payment, but it would be fixed. Thank God I documented on the people I spoke to at AmeriCredit. Anyway, after the phone calls and being told it would be fixed was nothing but a waste of my time becasue it was not fixed!! I just got an email today telling me my car payment was due when in fact it should not be due. I emailed them...oh wait, you see the funny thing is when you email AmeriCreidt about an issue, they reply but when you want it documented, they tell you to call and if you email them again, they ingore your email. Here is the kicker, they never emailed me about my car payment being due until they got my email on my complaint, they can keep your email and email you on that...car payment, but they can't apply bi-weekly car payments to the car because they don't have a set-up for that but they do when you pay on-line through AmeriCedit. Where are the lawyers, we need to class action suite against this company!!! God I wish I would have known about this bank...

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                • Pa
                  Pam Fletcher Jul 25, 2009

                  I bought a 2005 optima kia in 2006 for $12, 000.00 Americredit had the loan. I paid 336.00 a month for almost 2and one half years. I lost my job and got behind and they repossessed my car Dec.31, 2008. Yeh, happy new year. They then sold my car for almost 5, 000 dollars. Now I get a letter in the mail saying I owe them over 8, 000 dollars! This has to be illigal. At the very least unethical! Can someone tell me what I can do about this if anything?

                  0 Votes
                • Am
                  Amy LaRue Feb 16, 2010

                  Hey ###, its called a deficiency judgement. Read your contract, even though its a little late because you are most likely a dizzy bimbo that doesnt do that sort of thing. Have fun getting your tits out of the wringer!

                  0 Votes
                • De
                  Defender of Justice Aug 30, 2010
                  This comment was posted by
                  a verified customer
                  Verified customer

                  Wow Ms LaRue do you work at Americredit??? Not neccesary to comment to this in this manner!

                  0 Votes
                • Bb
                  Bbooker Oct 26, 2010
                  This comment was posted by
                  a verified customer
                  Verified customer

                  I purchased a vehicle from Americredit with payments of 1000.00 per month. I was laid of and fell behind in my payments. I was running 1 payment behind and they said they would work with me. I did not realize working with me meant charging me 25 dollars per day in late fees. At 25 dollars a day 750.oo per month my balance continued to increase to the tune of 10, 000 extra in my loan balance. I ended up totaling the vehicle and my insurance company paid the vehicle off according you the documented value. Americredit took the payment from the insurance company as a single payment and began charging the 25.00 per day late fees for several months before the treating calls all times of day and night. When I contacted them about what seems to be illegal practices the said the charges were not late fees but interest payments. I still don't know the out come but I plan on seeking legal action

                  0 Votes
                • Te
                  teresa90 Feb 24, 2011
                  This comment was posted by
                  a verified customer
                  Verified customer

                  i agree

                  0 Votes

                The complaint has been investigated and
                resolved to the customer's satisfaction
                Resolved
                AmeriCreditUnethical/Unlawful Business Practices

                I opened a loan with Americredit 3/19/2008 for 22, 318.90 with a monthly payment of 517.00 for 72 months on a 2007 Chrysler Pacifica. I have nothing but trouble from the onset with this company. They post payments late then they charge you the late fees that never seem to come off of your account. I recently acquired a copy of my credit report and found that I have 12 months straight of late payments with Americredit a few times even showing 60 days delinquent. I am no Einstein, but I know that any other finance company would have reposessed their property by now. The truth is I have not paid my note on time every month, but I have made every payment everytime, and never -ever -ever missed 2 consecutive payments. I have paid $700, $800, $661, so on and so forth to makesure that my payments were sufficient to satisfy my debtors. These people are just evil and the consisitenly violate the laws regarding fair debt collecting. They have called my home 4 times in a day then my cell 2 times and even my job phone several times in that same day. The law allows for 2 calls if I am not mistaken. They harrass their clients ungodly. I recently checked my statement online and discovered that I owe another $158.60 late fee for my February payment. Here is the catch thought today is February 2 my payment is not due until the 15th does anyone else see a problem with this, and my account is current with no payments outstanding. I swear they are just making this stuff up, I have problem paying when I owe something but I believe they are trying to charge people for phantom occurrances to keep them in these over interest, over blown loans. I have paid over $11, 000 in payments but I still owe $19, 000 on a loan that was opened 2 years ago for 22, 000. That my friends makes no mathmatical sense. I can only deduce that I have paid $8, 000 in interest. In other words if they were to reposess my auto today they would have made their interest on the loan and retaken the auto, then sent it to auction, made some more on it at aution, and then sent me a bill for the difference of what the auto got at auction versus what was left on the loan, and this is legal, are you freaking kidding me. I believe a class action Lawsuit is in order, as individuals we do not have the power to fight these kinds of financial rapists and they know it, but as hundreds or thousands of angry well organized and well represented Americans we can hit these offenders in the only place they will feel and understand it; their wallets.

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                  • Da
                    darcy47qpt Aug 28, 2010

                    I experienced the same scenario but the figures are different. Nonetheless, this company is highly unethical and have gotten away with these practices for way too long. I bad mouth them every chance I get and tell people to stay as far away as possible. These ripoff artists are in it for the money and they truly deserve to have a class action law suit taken against them, if not already.

                    0 Votes
                  • De
                    Defender of Justice Aug 30, 2010
                    This comment was posted by
                    a verified customer
                    Verified customer

                    I also have the same situation, I agree that we need to have a class action suit, anyone have this started???? I have since scraped up the money to pay them off, I called one day and owed them around 7500.00 and then when I went to the bank to get the cashiers check I called for the information again to get an exact figure and I was told that it would be 97??.00 I about fell over, they had no explanation on the additional charges! I couldnt buy a vehicle right now if I tried!

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                  The complaint has been investigated and
                  resolved to the customer's satisfaction
                  Resolved
                  AmeriCreditNo Gap Offered/will not cooperate

                  We paid timely on our loan, new we had an awful interest rate, but kept plugging away for 3 years. A week ago we were in a horrific accident, and the car was deemed a total loss. Americredit gave me 2 weeks to pay another payment on the loan, or to pay it off. Of course, the payoff was more than my actual loan total on our bill, and because of the severity of the accident, our paperwork was in our glove box, which we couldn't get to due to the accident being far from our home, and a few children hospitalized and top priority.

                  Our insurance company offered a much lower payout than I owe, so I contacted Americredit to see what we could do. They stated we have no gap insurance, and refused to mail me an original contract. I explained I needed to see this, and they continued to refuse my request. Our car dealer who was a major Chevy dealer, went out of business, so that didn't help matters.

                  In fighting with our insurance company on the payoff, Americredit began to harrass us for payment or payoff. I explained that I was fighting the insurance company FOR THEM AND US, in order to at the very least come out even on this loss. We had no vehicle, four small children and my husband needed back and forth to work; it wasn't in our best interest to be almost $3, 000 in the negative on this loan, and unable to get another one for another replacement vehicle. Americredit kept on arguing they needed payment now, and I explained that was fine, however, the balance due, they'd never get; they'd be bleeding a rock, so to speak, and that once I agreed on the settlement with the insurance company, I was done. Report to credit, I don't care at this point.

                  Americredit gave me another 10 business days to try. I also explained to them that the airbags never deployed, a failure, no doubt, and Chevy was trying to locate the vehicle to inspect the failure to settle with us, too. Our insurance company kept on pressuring me to sign the rights of the title away, get the payment to Americredit, and allow them to scrap the vehicle. Every time that Chevy went to a storage site that our insurance company sent them to, the vehicle was moved. Four times now total moved. There are a lot of things that don't add up, and I'm no expert.

                  My issue with Americredit is two-fold. One, they refuse me a contract copy to review the gap. Two, a month ago our balance was 11, 480. I paid $400, balance then $11.080. My payoff suddenly became $11, 494. ???!???

                  Americredit reps just start talking fast and in circles, which I explained made no sense. Our balance includes everything, how can a little over $400 be just...lost?! Ugh, what a mess.

                  They did offer me to go out and find another vehicle, it had to be equal to the payoff offered by our insurance company. The payoff was $8600. So I had to find another vehicle that was $8600 or less, had less mileage than ours did, was greater in age, and in great shape. Heh...and if I did find it, I could just replace the totalled vehicle with this new one and finish the loan off. Yeah, right. So, I'd be paying in essence twice over for one vehicle, and they'd make more money. Not.

                  I would never recommend them to anyone, even in hardship. I've found local buy here pay here much better to deal with than these people. You miss a payment by a day, you get anywhere from 8-10 calls a day, at home, work, wherever.

                  Once when we were on vacation I let Americredit know that we were, and that as soon as we got home, and my husband got his paycheck, I'd call in the payment. They noted the account and agreed, it was about 2 weeks later than due. I believed this. We came home, husband went back to work, and all day long a tow truck is circling our home. I called Americredit to make the payment to be told that the car was being repo'd and I had to make 2 payments NOW. My husband pulls up to the house for lunch to end up being harrassed and threatened by the tow driver. Husband pulls into our driveway, and closes the gates, for the tow driver to begin to open the gates. I happened to have a 200 pound mastiff I let out of the kitchen and she went barrelling to the gates, and the tow driver proceeded to get into the truck, and pull out a crowbar and swing at my dog. IN my yard. The fool didn't happen to notice my husband is a police officer, and found himself being escorted in a pretty flashing car from his partner pulling up and arresting the man for trespassing and attacking the dog with a weapon. What a mess. All the while the woman on the phone with me from Americredit kept saying, 'ok, give me your checking account or credit card information'. Bah. I understand they have work to do, but when it comes to the other end of customer satisfaction as well as working with the customer on requests, it doesn't happen.

                  I refuse to sign anything over from the insurance company for payoff until Americredit sends me the contract. Let the car rot somewhere, if Amercredit wants to repo it, by all means they can.

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                    AmeriCreditUncooperative

                    Me and my husband have had our share of financial problems and Americredit has been one of the worst companies to deal with when we needed help with setting up different payment plans ect.

                    They would not let us refinance our cars and called and harrassed us consistently. Their interest rates are way out of line and the company is to big and owns to much of the car financing market.

                    Other consumers beware. If you do car shopping and the dealership says Americredit run fast.

                    I can't wait till my car is paid off, as they will never hear from me again.

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                      • Bp
                        Bperry Aug 05, 2010

                        I have a loan with americredit, and they are a sub-prime lender if i ever seen one, my interest rate for my 2005 ford escape was 22.95% wtf! yeah i said it 22.95% and no matter how much i pay toward the note it never goes down, i still own more on the car then it is worth, i can't let it go back (wich i have thought of doing dozens of times) because my credit is pretty decent now, i really feel ashamed for getting roped into this car loan and not doing my homework cause now i'm stuck paying for something that it seems never decreases in payment, i checked my online account and i'm just on 41 of 72 payments and i've had the car for three years now, i look at my statements and if i send in a 500 payment and the actual payment is 479.38 then 380.00 goes toward interest and the rest towards principle! where they do that at?, i'll tell you to stupid, blind people like me who don't take the time out to read and investigate, cause had i done that i would have never drove off the lot with that car and those terms, i see this is why people have others burn, steal, damage a vehicle to get out of the loan, ijs.

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                      Resolved
                      AmeriCreditAuto Loan Overcharge

                      I purchased my new car the middle of August 2003. The dealership arranged financing through AmeriCredit. The first payment invoice (which provided my account number, address for sending payment, etc.) was sent to me mid-September with a payment due date of October 5. The invoice indicated this was payment #1 of 72. At the end of my contract the final payment was 1 1/2 times the original payment amount. The company has called me numerous times at work, leaving messages on a peer's voicemail. They said they didn't want me to be surprised by the final payment amount, to which I informed them they were too late. When I eventually called them (I was NOT late in making the payment/s), they informed me that my first payment was actually due SEPTEMBER 5. At that time I informed them that it was they, not I, that had neglected to give me proper information for a September 5, 2003, payment. Had they sent me a payment coupon, I would have made a payment in September. I had no alternative but to wait for them to send me the appropriate paperwork. In the past several weeks, they have called my office 3-5 times daily, always a canned message with the first part missing, never giving a name as to whom the call is for, etc.

                      I consider AmeriCredit to be completely unethical, and will NEVER DO BUSINESS WITH THEM AGAIN. No one can afford to accept credit/do business with a company like this that preys on its clients.

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                        • De
                          Deborah Lewis Dec 27, 2010

                          I have a car financed through Americredit. My statement each month shows the interest and payment. Each time I make a payment, the amount increases. They called constantly, if you are late after 1 day or more. Calling aleast 5 to 10 times a day. How can I get out of this bogus car loan.

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                        Resolved
                        AmeriCredit — Auto Payment

                        I have had my loan with americredit since 2005. I baught a brand new 2005 Mazda. Since then till now I have...

                        The complaint has been investigated and
                        resolved to the customer's satisfaction
                        Resolved
                        AmeriCreditUnsolicited phone calls

                        I have had a car with americredit for 3 years, My husband is in the military and he will be deploying in Sept he has also been on unemployment for a year since he came back from basic training. We got way behind on our payments and eventually realized we can't pay for it. I told americredit about 2 weeks ago I couldn't pay for it and they could come and get it. and they call me about 20 times a day from different numbers. I choose not to answer the phone because I already told them my intentions of not paying anymore because we can't afford it . well now they have went through the phone book and are calling my neighbors about my bill. the neighbors have been told they were needing to get ahold of us because my kids have been sick. or my phone was diconnected. I don't even know my neighbors phone number. Is this not illegal to contact neighbors who are not listed as refrences to talk about my bill I owe them? I owe alot of bills and this is the first time I have ever had a bill collector start calling neighbors listed in the phone book. I am looking into sueing them if this is possible someone please let me know what you think I should do, doesn't this violate hippa laws?

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                          • Pe
                            Peoples watcman Sep 03, 2009

                            yes you can sue them because they breach of privacy. get a good lwayer to argue your case.

                            thanks

                            john M

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                          • Al
                            Allisonk_25 Jun 01, 2010

                            We also had the same experience with Americredit. We acquired the car in 2007 and had been making timely payments. My boyfriend was laid off of work and we set up payment arrangements to continue having the car. They would call us AT LEAST 15 per day and sometimes more. They also harrassed our friends, realitives and neighbors trying to contact us even after we had made our payment and refused to stop. The end result has been that they came to take our car away today, doubled the purchase price and the interest rate, and have made our lives miserable since day one. In my opinion, this company is a fraud and I hope that they get what is coming to them.

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                          Resolved
                          American Credit ServicesScam

                          I got a call too, and it looks as if we all have something in common. It seems that we all applied for a payday loan at some point. I would wager a guess that someone at CashNet/Sonic got a hold of a internet marketing warm call list from one of these companies and is now going to town. I do not believe that these conpanies know that they are being used. I am lucky, I never put in my correct information when I applied, as I knew that they would call to confirm the banking information over the phone and they would never check my social security number. I have not answered the phone yet when they have called, and will not engage them if possible. They will give up when they cannot confirm the validity of any of their phone numbers.

                          DO NOT GIVE ANYONE YOUR CORRECT BANKING INFORMATION OR SOCIAL SECURITY NUMBER! Keep a log of whom you applied with a wait for the phone call to confirm the information

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                            • Se
                              Sebastian Jun 11, 2009

                              My wifes work has received a phone call the past 3 days but it was after she had already left work. They said they were from the Crime Monitoring Division and his name was Jonathan Davis and he called from a Los Angeles area code [protected]. He said he was representing American Credit Services.

                              After multiple phone calls, which we answered no questions and they he wouldn't answer any either, we became frustrated. He said my wife took out a $200 loan on May 18th, 2008 and that if we didn't pay it back, my wife and her parents were going to jail tomorrow at 11am. The sheriffs department were coming to get her!

                              He sounded middle eastern and talked very fast and was rude. I mocked his accent (not a great idea-but i was ticked off!) and he got mad and hung up. If this scam happens to you, don't talk. If you live in the USA, you know the judicial system takes forever and that you would get papers first!

                              Anyway, since he sounded fake and wouldn't answer my questions, i checked the internet to find out and luckily i found this websit where hundreds of people had been through what we had! Im not an avid internet user, but if it weren't for it, i wouldn't have known this was a scam! For all of you who read this, take a breath and relax. ITS A SCAM!!!

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                            Resolved
                            American Credit ServicesCalled with a threat if I did not pay

                            I received a call on my cell phone from a guy telling me I would be taken to court unless I settled a payday loan from December 2008 for $300.00, today. I told this gentleman that I never took out a payday loan and he told me my SS#, bank account and home address and what day it was deposited. I did the research and did not find any such deposit and called them back and told them. They told me I would be arrested the same day for fraud unless I paid them.
                            Can't the Attorney Generals office take care of people like this?

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                              • Ei
                                eidyllio Mar 11, 2010

                                I am having the same problems!!! How do I get them to stop calling my job???

                                0 Votes
                              • Cy
                                CYNDIILOU Nov 05, 2014

                                I HAD THE SAME PROBLEM WITH THESE GUYS AND PAID THEM $1730.00. NOW I'M GETTING ANOTHER CALL FROM A BRENT MYERS SUPPOSEDLY FROM CLEAR CREDIT SOLUTIONS, LLC SAYING THE SAME THING FOR A DIFFERENT PAYDAY COMPANY. NOW I'M REALLY PISSED. THESE SCAM ARTISTS NEED TO BE STOPPED.

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                              Resolved
                              American Credit ServicesScam to get money that due them

                              A very threatening call to both my daughter and to me about saying I had defaulted on a payday loan and if I did not fax them information and pay them $777 by tomorrow morning they would be arresting me and taking me to court and contacting my employer for garnishing my wages. They said I had to call them immediately or I would pay the consequences and "God Bless you" if that happens. They had a very thick Indian accent and he was giving me my bank account information, etc, etc. I was in tears as it was very unnerving. As I was reading this website it has happened to lots of others just as it did with me almost identical.

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                                • Tr
                                  Traceym09 Jun 29, 2011

                                  I just a similiar call today. I live in Tx, The number looked like a familiar number so i answered. The man said I had a payday loan out. I said no sir not me i havent had a job in soo many years so i know i didnt have any kindof loans out. He told me my ssn and i said whats the banks name the money was deposited and he said some name that i couldnt understand because of his accent(indian) and i kindof knew it was scam from there on because i jumbled up the words and said it back to him all messed up on purpose and he said yes ma'am thats correct. I said how much was the loan for and he said 400.00 . I said well i need to report this to your fraud department because i made up a name of the bank you said to me and you said that was correct. I said whats the account number and he said he could not give out that info. He said if i paid 375.00 today that he would find the person that used my name for this loan. Otherwise i would be buried in court cost and would have to get a lawyer. I lied and said that my father is a lawyer i dont have to pay for one and that i needed all the account info and banks name repeated back to me slowly so that he could get to the bottom of this, he said no ma'am i can not give that to you you have to go through our attortneys and that will be an extra 600.00 i said look here i know that this is a scam, i said either do not call my phone again or will get a lawyer and we will sue the breaks off that company for scamming people. He put his supervisor on the phone He tried to feed me the same ###. I said like i said before leave me alone your not getting one cent from me. I didnt block my number and call them back to see what the companys name was so i could look it up online. Low and behold look what I found a WHOLE website of stories just like mine!

                                  0 Votes

                                AmeriCreditInsurance Fraud

                                I sent a insurance claim to americredit because they were the leinholder and they will not give it to my collision repair company. They keep holding the check for no reason. Do not ever send a insurance claim check to them give it to your collision repair and let them deal with them. Americredit is a very imcompentent and do not know what their doing. JOKE!

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                                  • Ac
                                    aclark Jul 22, 2009

                                    I am in the same situation my car has been ready since Friday and I keep calling them and getting no where for they can send the check to the body shop so i can pick it up...what did you do to get the check?

                                    0 Votes
                                  • Le
                                    LeeKat Nov 03, 2009

                                    You guys are so true. I just got off the phone with those ###. I sent my Insurance check into them unsigned and they claim that they sent it back to me un-endorsed so that I sign it first. Basically I did not want to sign my check and then have them endorse it and and cash it cos I don't trust their ###. I told hem that I have already paid the body shop and all I need is for them to endorse my check and the ### won't do it. Who has all day to sit around and wait for a wack company to send a payment to the shop? I know I don't. Americredit tries to keep your money and they think of every excuse to not to send the check to you.

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                                  Resolved
                                  American Credit Servicesloan scam

                                  this man named james ryder who sounds like he's indian keeps calling my house telling me i owe for a payday loan that i defaulted on. he won't give me any information but he has my information. he wants me to fax my credit/debit number to him or else i would be arrested and fired from my job. i called the phone company and had his number blocked. He was very rude, but i know it was a scam when he won't give you any of the information about the debt. when you call the number someone just answers the phone saying how can i help you without any business name or anything. you can hear a lot of people in the background talking. they are very threatening and could scare you.

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