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Complaints & Reviews

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
AmeriCredit — Fraud

Does anyone know if there is a class action lawsuit against these theives, if you do, please contact me!...

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
American Credit ServicesFalse Accusation of Debt

I received three calls today from a man who claims that his name was Andy Jones. He had a very strong Indian accent...I could barely understand a word he said. He left a voicemail stating that I needed to call him back immediately or I would regret it. I wanted to know what the problem was so I called him back and he said he was from American Credit Services and that I fraudulently had funds transferred into my bank account...which is not true. He wouldn't even tell me where I had funds transferred from. The caller would not answer any of my questions and acted like I was stupid...though he could barely speak English. He knew my bank account number, email address...he knew way too much personal information which was really creepy. I hung up on him and he called back twice. I know that I don't owe anyone anything...and I'm getting all of my account numbers and phone numbers changed if he continues to call. If anyone from "American Credit Services" calls you it is a scam. Do not even call them back!

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

    I received a phone call on my cell from an "unknown number". I do not answer such calls, so I let it go to my voicemail. A man with a heavy foreign accent left a message stating that, "I or my attorney needed to call him back immediately regarding a case against me". He went on to say, "if I did not call back, then good luck to me". This "threat" made me call back because I was concerned as to the nature of the call. When I called back a female with a very heavy accent answered the phone and asked for my telephone number so she could look up my information. Once I gave her the telephone number, she told me that I took out a payday loan and did not pay it back. I had taken out a payday loan online for $300 almost a year prior and had paid it back in full. I informed her of this and she began to threaten me and was extremely rude. She said if I had paid the loan back, I would not be on their list, that my file would be transferred to investigators the next day, the investigators were going to come to my house or my place of employment, I would have to go to court and pay over $5, 000, ect. When I continued to dispute the matter, she hung up the phone. I became even more concerned and decided to call back. This time a man answered the phone and again I was asked for my telephone number. He began to recite my bank account number, the name of one of my family members and a date that the loan was taken out. I began to wonder if the loan company whom I had dealt with in the past may have made an error, so asked him for the name of the creditor. He could not tell me. I asked for an account or customer number and again he could not tell me. I went so far as to ask what address he had on file for me, he could not tell me. He did say that I owed $1500 and then changed it to $725. I hung up the phone upset and trying to figure out what was going on, then it hit me. Their biggest mistake he made was in regards to the date that I had taken out the so-called loan. I realized that I had not opened that particular bank account until four months after he claimed I received the loan. How could someone give me money into an account that did not exist? I knew then that their was something "fishy" about these people and they had my bank account information. Long story short, I called back several times and went "head to toe" with these people attempting to get to the bottom of what they were trying to do and where they were located. All they would tell me was the name of the company (American Credit Services) and that they were out of California. Prior to hanging up the telephone, they said that an investigator would be at my door to take me away. This happened two days ago. It was still bothering me, so I decided to google the name and here I am. I only wish that I had thought to do this when it was happening. I am very upset! I plan to report this to the police in my area, the BBB and whoever else along the way. Someone needs to stop them and they need to be arrested. Everyone be aware of this and pass this scam information along to others. If it happens to you, dont let it go, say something so that they can not get away with this anymore!

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      • Dl
        dls May 25, 2009

        If they did get your correct account info, then you need to call your bank ASAP. No, I take that back, you need to go to your bank in person and speak with the bank manager to inform them as to the phone call you received. Ask them if in their opinion you should close that account and open a new account so they can not attach a lien against your account and drain it of all funds. If the manager tells you it's safe to keep your current account open, ask what steps will be taken to make sure that this company does not get your money.

        Now, with that being said, since you said both the man and the woman had heavy foreign accents, then the company you took out the loan from has outsource their collections department to a company in a foreign country. They are trained to be as aggressive as they need to be to get you to send the money you supposedly owe. They will threaten you, tell you that you will be arrested, they will threaten to call your boss, neighbors, co-workers, etc. and let them know you do not pay your bills. They do this because they are told to do this by the loan company because they know that US law can not do one thing to the employees at this foreign "debt collection" services.

        Any more phone calls you get from this company don't just hang up because they will just to continue to call you. You need to let them know the following: The loan was paid off and when, that you want the harassing phone calls to stop immediately, that the BBB has been contacted and that you have contacted the attorney general about the threats you received from this country. While not much can be done to the people making these calls as they are not in the US, the company who hired them can be held responsible although, getting anything to stick is hard because they will claim that they have no control over threats coming from another company in a foreign land. They will at least be put on notice that they are being monitored and if you're lucky, the calls may stop.

        I live in Virginia and in my state, we can record any phone conversation without informing the party we are talking to that they are being recorded and even if in your state you can not do that legally, it usually means that it would not be allowed as evidence but it may lead to a fine or arrest so check with the attorney general before doing this. Now if some where in the conversation they say that they are recording the call (sometimes when you pick up the phone you'll hear that recording saying that this call may be recorded or monitored) then you too should be able to record the conversation without telling them because they already know they are being recorded by their company. If nothing else, you will then have a record to the lengths these people are going with their harassment, scare tactics and threats.

        If you know that you have paid off this debt, do not let them continue to harass you. You can find out the loan company's name and either email them or call them (I prefer email because then I have proof that I contacted them) and let them know you have paid off this loan yet they are letting their foreign debt collection department harass you and that you want it stopped immediately and that you will be contacting the attorney general in your state unless all calls are stopped.

        Good Luck

        0 Votes
      • De
        Denise May 26, 2009

        Dls, thank you for the advise. I appreciate it, however I do not believe that you read my scenerio or the other complanints thoroughly. These people are not being hired by a company to collect a debt. They are doing what they are doing on their own accord in an attempt to steal money from people. I contacted the company that gave me the loan. They were fully aware of the fact that I paid that loan in full and aware of the scam that these people are running on myself and others. It is fraud "pure and simple". They are not in a foreign country. I did a reverse look up on the phone number they called me from and other research, which proves that they are in California -Glendale or Orange County to be exact. They even tell you they are from California when you ask who they are and where they are calling from. There is a legitimate company "American Credit Services" in California and they are also aware of the scam. There is no recording when they call stating that the call is being recorded or that the call is an attempt to collect a debt, because they are utilizing "pay as you go" phones. There is certainly no way to e-mail these individuals and no reason to because it is a scam. Hopefully the Attorney General's office will investigate this before they steal from more innocent people. I was one of the lucky ones who did not fall for it. I am still upset - not only do I have to change my account, but these people have my social security number, driver's license number, ect. Protecting myself is costing time and money. They should not be getting away with this.

        0 Votes

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      AmeriCreditUnfair Lending Practices

      I am currently in a situation with Americredit and I would like to know how can we get together and form a class action suit against them. This is not right!!!

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        • My car was totaled 12/24/08 I had GAP, it took 5 months to settle while I DID make payments to Americredit monthly WHILE WAITING ON GAP (another set of complaints with The One GAP). Gap promised to reimburse for my payments due to time it takes for payoff.. Meanwhile Americredit is still calling for payments indicating I will get my money back.

          Waiting for GAP to pay...while making payments to save my credit...

          January payment made on : Feb 14 (before 30 days)
          February payment made on : March 14(before 30 days)
          March Payment made on : April 14(before 30 days)

          STATEMENT BALANCE ON 4/26/09 = $4625.35 including late fees
          PAYOFF ONLINE 5/8/09 WAS $5000 ($375.00 more than balance)
          GAP PAYS $5816.00 on 5/11/09 (before 30 days) of next payment thank god.

          REFUND SHOULD BE
          PAYOFF BALANCE - GAP
          $5000 - $5816 = -$816

          CALLED AMERICREDIT FOR MY REFUND AND WAS TOLD THEY DID NOT SEE A REFUND, KEP ME ON PHONE FOR 10 MINUTES THEN SAID $59.00 REFUND.
          COMPLAINED IT WAS INCORRECT, SAID THEY WILL RESEARCH AND CALL ME BACK.

          I am getting ready to complain to Attorney General Office. I will get my refund back somehow.

          0 Votes
        • evie Jul 26, 2009

          I wrote letters to Americredit. I did not receive payment until about July 1st, after they received GAP on May 11, 2009. It was past 30 days and no replies or any feedback about refund or no one could tell me what my refund was. I received my refund and now I am pleased, but I did send letters to BBB and State Attorney General's Office.

          0 Votes
        • Ms
          Ms. Ree Aug 07, 2009

          I also would like to know how to get together on a class action suit. My woke up @ 1 am this morning to the awful sound of my car being repoed. No knock on the door. I live in a gated community and don't know how they got in. One of the guys was very annoying, taunting me as my family and I removed our belongings from the car.

          Yes, I call them this morning to see about re-instatement and there is an extra $800 tacked on to what my due balance is. How the hell are these towing company charging for storage now? It had only been 9 hours!! WTF! Needless to say, the guy I spoke to was rude (as they always are!!). When I asked to speak to a Manager he refused, saying they were not going to help me.

          Reading from the hundreds and tohousands of "horror" stories with these people, it's clear these people need to be stopped. If anyone knows of a class action suit in the works, count me in. I can be reached via email: [protected]@yahoo.com. Thanks.

          Sheri

          0 Votes
        • Wo
          wolfgangsiggy Sep 21, 2009

          Yes I want to get involved in a classs action law [protected]@! They took me for 7600.00 plus my 3000.00 down [protected]@#[email protected]! OMG 1500.0 to go and they too, took my truck. Am now 11, 000.-00 in the hole with another one. These theives need stoppede. WhenI called to discuss anything with them they were to busy, plus I gad to fight to have a wrong entry of 7600.00 on my credit [protected]@[email protected] It should have been 1500.00. They now OWE me from the ssle of my truck. I am getting my states Attorney General Invovled in all of this. Of course they came on a Sunday when I was unable to reach their office. And were so RUDE about everything after that. This after having send them 49 pmts. I had been a bit behind in the past and they never did anything like [protected]@[email protected] Debby GreenMitchel
          Auburn, Indiana
          [protected]@gmail.com
          CONTACT ME ABOUT GOING FORWARD WITH THIS LAWSUIT

          0 Votes
        • Gc
          gclaussen Jun 01, 2010
          This comment was posted by
          a verified customer
          Verified customer

          I also would love to get in on a class action law suit.

          I have been screwed by these people time and time again. we have been paying for 2 and a half years now so I called to see how much we have paid and they said it was only 3100. We did our math and we have paid 11100 total so far.
          After saying this they said hold, after holding for 15 minutes they hung up.
          Then I called back waited on hold another 15 minutes then got into an argument with them and asked for a manager and for 10 minutes refused, then I told them the call was being recorded and he said he was gonna transfer me, after waiting on hold another 10 minutes I hung up.
          my email is [protected]@geolearning.com or [protected]@yahoo.com
          Please let me know if there is a law suit on this so I can be involved on the downfall of these lying [censor].

          Gabe

          0 Votes
        • Pr
          Predatory loan Dec 17, 2010

          I am for class action suit against this company, due to predatory lending. contact me via email: [protected]@yahoo.com...

          0 Votes
        • Di
          diane bentley Jun 05, 2011

          please count me in on lawsuit against americredit. contact me via email: [protected]@aol.com

          0 Votes

        The complaint has been investigated and
        resolved to the customer's satisfaction
        Resolved
        AmeriCreditLOST 2 years of payments and ruined credit!!

        Have just found out today via a credit report that Americredit has failed to credit 2 years of payments to my vehicle and is attempting to re-possess it! We've had a nightmare of a time with this company: The initial payment was meant to be $19k, but they accidentally put it in for $22k...we noticed when reviewing the vehicle information that ours was not "the black special edition with the sunroof" and they promptly agreed to change the balance amount to $19k. Not a great start, but seemed like an easily remedied mistake. We set up automatic payments to be debited from our chequing account and for 4 months there were no problems...then all of a sudden, payments were deducted on random days, instead of the agreed upon date. Sometimes it would be right before payday, resulting in NSF fees we had to pay. So, after multiple phone calls and their assurance it wouldn't happen again, we decided we would Western Union the money to be sure it was going in at the correct time. All we had to do was phone them with a confirmation # to show the payment was made. No problem, right? That's what we thought. A credit report my husband had run today shows that we owe $22k had haven't made a single payment in over 2 years. How is that even possible??? If a payment was a day late we got urgent telephone calls!! Yet there is no record of payment on our credit report AT ALL. As a result, the account has been flagged as "written off" and the jeep is to be repossessed. Both my husband and I have taken huge hits on our credit scores, and will soon have no vehicle to show for it, let alone the 2 years of payments we faithfully made. Apparently, it takes a lot to have this status removed form your credit history, but we'll try; it appears it's been in this status for a year, but NOBODY TOLD US. The usually insistent and borderline harassing Americredit hasn't said ANYTHING about missing 2 years of payments!!! We have all of our receipts, but if they insist they haven't made a mistake, we are out $14, 000, a jeep and our credit, which will take us years to get back to a robust status. No matter how badly you need a vehicle AVOID AMERICREDIT!!! Get a bike if you have to. This company has ruined the next 4 years of my life.

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          • Si
            SickandTiredofbeingraped Feb 02, 2010

            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.

            1 Votes

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

          I have had a loan with AmeriCredit since August 2005. Since about mid last year, I have been late every single month with my car payment (things are a little hard for me right now). I have never been more than 30 days late.
          AmeriCredit calls me 7 days a week at least 8 times a day. I am not trying to get out of paying. I know that I need to pay but do they have to call me so much?! I think this is getting a little ridiculous! Isn't this harrassment?
          I just called in February and asked for a payoff. They told me that my pay off was $12, 000. I was so shocked. I purchased the car for $16, 000. I know there is interest and everything but my goodness!
          Before mid last year and before I hit this financial slump, I made my payments on time. I cant understand why I owe so much money. Its been almost 4 years.

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            • Si
              SickandTiredofbeingraped Feb 02, 2010

              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.

              1 Votes
            • So
              SOrlando Feb 02, 2011

              I agree. This company needs to be investigated. I hate this company. I feel as though they are not fair in their practices. They have really taken me for a ride! By the time I am done paying for my vehicle, I will have paid over $30, 000 for a car that had a ticket price of only $14, 000! This was my first car purchase and all in all, this was a very bad learning experience.

              1 Votes

            The complaint has been investigated and
            resolved to the customer's satisfaction
            Resolved
            AmeriCreditUnfairly Reported Me to Credit Unions

            I have not read a story quite the same as mine but here is my tale of whoa. I signed loan papers with Huntington Bank in August 2007 for my 2005 Kia Rio but never payment arrangements from them on were to send payments. Americredit sends me the first bill with instructions to send payment to them. Never once did I ever sign any paperwork with Americredit. Not one piece of paper. I have all the original paperwork from dealer. Everything went fine. I made all payments until I changed the payment date in February of this year. They let me go a month without making a payment and then added a month on the end of the loan. Still things were fine until March 21 of this year. I went to a dealership and traded the car in for a new car. Part of the deal was the dealership was to pay off my old loan and refinance the new car. I was sitting at the desk when the salesman called Americredit for pay-off and per diem and paid my part of difference. I take the new car home and think things are fine. Nine days into my new car I start getting phone calls from Americredit about my payment not being made. I call the dealership, they tell they will take care of it. 17 days into my new car Americredit tells me they have not received payoff, I call dealership and they have me come sign new paperwork and tell me they will take care of it. Everytime Americredit calls I find out what is going on and let them know I traded car in and try to find out what is going on. I do everything I am supposed to do, stay on top of dealership and Americredit to the best of my ability. Long story short. I finally get ahold of the Chief Officer of the dealership here who is working with me now to try to restore my credit. The dealership tried to get a check to a correct address at Americredit but was given an incorrect address. The Chief Officer called Americredit and asked them not to report me to the credit bureau since they would be getting a check hand couried to them next and they said okay and still reported me anyway to all three credit agencies. I have paperwork that says the dealership was to pay for the car but Americredit says I was responsible for the loan since it was in my name. If I would have made the payments they would have been paid twice and I guess I should have decided if my credit was worth it. The lady who has sent the checks to Americredit is supposed to send me a copy of the letter she is sending Americredit and that I can supposedly send the Credit Bureaus. Granted I did not have the best credit to begin with but this did not help. Had I missed payments and not been in touch and ignored them I could understand. The dealership even tried to reason with these people to no avail. Something needs to be done about these people taking advantage of people who do the right things. I did everything I possibly could except pay them twice.

            Bewildered in Indiana

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              • Si
                SickandTiredofbeingraped Feb 02, 2010

                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.

                1 Votes

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

              A lady named Sara is who started this whole terrible experience for me, she called and she left a voicemail on my cell phone saying my attorney or I need to call her back asap because of this time sensitive case, do not disregard her call, if we don't call her, all she can do is wish me the best of luck as my case unfolds on me. I called back and spoke to a 'Jimmy Macktell' and he said I owed 'American Credit Services' for a payday loan they deposited in my bank, they had ALL of my information, I mean ALL OF IT, down to my parents names.. Pretty scary, they insisted that i was being charged with 3 felony accounts, Check fraud, violation of federal banking violations, and theft and deception or something like that, it was very hard to understand any of the people i spoke with, because of their accents, but as i was saying they than said that an officer would be coming to my home tomorrow morning to arrest me and take me to court. This was a very long conversation and much more was said than what I'm writing, and these people are very threatening and very rude, I was almost in tears. Come to find out, their scammers and just trying VERY hard to get people to give them money, and whats more scary is that some people have given in. I reported them to the Tucson Police Department, the Federal Trade Commission, the Better Business Bureau of LA, which is where they claim to be located, and the BBB of LA has all their info, they have an F rating with the BBB. I changed my cell phone number also and put a fraud alert on my credit report.

              These people told me that me and my family would be behind bars together and that I better find a safe place for my children, and how dare i lie about getting money and than not paying it back, and thats stealing.

              DO NOT FALL A VICTIM TO THESE PEOPLE. REPORT THEM IMMEDIATELY! PLEASE.

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                • Ti
                  Tina May 02, 2009

                  I recieved the same phone call from these people. I too called the number on the caller id, and the operator said that this number is no longer in service. I called the contact number that they left [protected]). The person who left the message had a "heavy" accent and his "name" was Daniel James. He stated that I needed to call him back asap and don't ignore this call, and if I do, I wish you luck, a very threatning message.When I called the number back the gentleman stated that I reieved cash from a company called FastCash in 5/08. I was like what?? And just like the others, he satated that I needed a lawyer and what was the lawyers name and how we can get this matter resolved. I told him I will have to investigate this first with my bank. And he even had the last 4 digits of my account and bank name.I did some research on "fastcash" and a sleu of companies popped up but when i did some research on Americ an Credit Services I found THIS ...how ironic..I am beginning to believe that this place is a scam.He had a "case #" and when I asked for a number for Fastcash" he said that would be "violating the clients privacy privelages". So that's what led me here, and I see I am not alone. So what do you do? And who do I report it to?

                  0 Votes

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

                American Credit Services called me friday afternoon. They said I owe for an old payday loan for 2008. (Due to the individuals accent, and the way they were coming across I had a hard time understanding them, much less what they were talking about). So, I was handed over supposedly to the Supervisor, who told me this was a law firm, and did I have an attorney etc. and continued asking me questions, which I would not respond to.

                He said I owed $1095.52, (which included occurred interest) and he kept trying to pressure me for a response, or else this Monday at 11:30 AM they would be coming to get me and we'd be going to court. Again, when I would not respond or commit to their demands, he wanted me to know he has all these allegations against me.

                My words to him was 'Come On Then'. Beware, this company will tell you about yourself, but you will find alot of the information is not totally correct. But don't correct any information nor offer any information regarding anything. When these companies try to scam you Please Report Them...

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                  • Mo
                    monique Kramer May 05, 2009

                    Today I cam e in to work to see a note in my mail box that a Jennifer from a law firm was trying to get in contact with me regarding a immediate response. I of course called back the number and I was transfer a number of times then a man got on the phone and stated that I was in default with a pay day loan that I had got transferred into my account. I proceeded to tell this man that I never received a loan and I had a bank statement to proof it. He then went on to tell me he was from the crime and fraud department and if I didn’t pay this loan off by today that there will be charges brought a against me and I will have to go to court I asked him what court and they hung up. I then called backed ordering them to give me there fax number and information they would not give me any info at this point they proceed to get nasty with me-I had enough and got nasty right back when I got to work I researched the company and found all these complaints I am in the process off contacting a lawyer in regards to this because they have all my checking account information,

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                  American Credit ServicesFraud

                  Last week I received 2 phone calls, one on my cell phone and the other at work, from an George Cooper then a Josh Cooper stating that it was urgent for me to call him regarding a legal matter, do not ignor the message or I could suffer the consequenses. Being concerned, I immediately called back. He said that I was being sued for an unpaid loan and my account was going to be sent to the investigation unit and I had a court date next week and they were going come to my place of business and haul me away. The debt was supposedly a payday loan obtained 9/2007. I had taken a payday loan several years ago but have since paid it in full and have all of my documentation. They had ALL of my personal information, and said that even 2 of my references would be sued because of me. It was really scary. They said I owed $5875 . for a $300. loan. They said I was sent over 17 email and numerous notices to my home, none of which I received. He told me it was not his fault that I ignored things. When I asked where court was he would only say California. And when I asked for the name of the payday website, the court docet number I was told that it was private information. When I pressed for a specifice city and county he changes the subject. I was really scared, so I decided to do a little digging and found them here. I am so glad I found this sight. These people are rude, and you can't hardly understand them. There is a lot of noise in the background, and their accents are really heavy. I asked several times to speak with someone who could speak better English since this was such a serious matter and I wanted to fully understand I was told to shut up and listen better. I found numerous fraud complaints on this site and a few others about this same so called company. When I would read their stories it was as if I was listening to myself.
                  Now this today I received another message from the same man but he changes his fist name, Josh Cooper. When i returned the call I was ready this time, he could not find my information by my phone number this time but could I give him my SSN. i refused and told him that I know that he is part of a fraudulent scam and never to call me again. He began yelling at me saying he was sending someone to pick me up and haul me to jail right now. I told him that was pretty funny becasue he didn't know my name or number so how could he. He hung up.

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                    • D0
                      D'vaMyhs31 Feb 11, 2013

                      I had an ILLEGAL experience with a "company" named "Non American Credit Services"..better known to them as NACS. I first received a "unknown" call, and I normally don't answer those types of calls but I did, and the man proceeded to tell me that if I had $200 he would put $1200 in my account and I said "I don't have that much ", so he proceeded to tell me well "Do you have $100, and if so I can put $1000 in your account, and honestly people would not do anything like that over the phone and with out any information in front of them, but I was so dead set on paying my bills and was not thinking clearly, so I tell him I can do that and what did I need to do...and he told me to go and purchase a Green dot Money Pak card And put $100 on the card and call him back and give him the digits on the back of the card...so I did and then he told me that the funds would be in my account in 2 hours..in 2 hours nothing was there and from there it has been a CIRCUS...I gave an additional $150 and again nothing in my accountantet me remind you they have my personal information...I have been hung up on, talked very disrespectful to, deceived, and just flat out LIED to!! I'm pissed to the max and I'm trying to do something about this situation, this has never happened to me and it doesn't need to happen to anyone else...I spoke with men who had Indian accents and gave me names like:"Alex Green, Mark Taylor, Danny Brown, and Frank...their number that was provided to me [protected]...and I also followed up on this so called loan company and I called the real company to whose name they are fraudulently using and I spoke to a loan officer and he stated to me that they DO NOT make you pay money to get a loan, they DO NOT DO SERVICES OUT OF NC OR NY...and those are the two states that are being interacted in this situation...please please PLEASE people if you get to read this story take heed and REPORT REPORT REPORT!!!

                      0 Votes
                    • Wm
                      wmthoma Apr 24, 2013
                      This comment was posted by
                      a verified customer
                      Verified customer

                      omg i just did this in the same manner that you did. they told me 2 business hours. I hope this was not the same scam although the number is the same.

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                    Resolved
                    AmeriCreditHarassment

                    I have a new Chevrolet and the dealer financed it through Americredit instead of GMAC. I have paid off 8 loans with GMAC with no problem but the dealer told me a they were not loaning money at the time I purchased so they had to use Americredit instead. They first indication they were crooks was they were charging me 13% interest on a 60 month loan. When I complained I was told I had no choice and could refinance the car when things got better to lower my rate. Like an idiot, I was excited about getting a new car and signed the contract. This months payment was due on the 23rd and I was in the hospital and did not make payment yet. They started calling on the 24th every hour from 8:00 am to 9:00 pm. My wife told them I was in the hospital they said they did not care. Then the started calling my work and was told I was in the hospital They wanted to know which hospital I was in. When my fellow workers refused to tell them, they told them it was about a late payment and it was imperative they talk to me immediately. I am still in the hospital and they still call every hour to my home and business. My work threatened to fire me if they don't stop calling because they are keeping people on the phone while they are getting paid to work. My wife said the caller ID is full of threatening messages. Don't be suckered in to using these people take your time and get financing elsewhere.

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                      • Fe
                        fedupemployee Apr 15, 2009

                        yeah paid off 8 loans whatever!!!...y0ur first payment was expected so all of your money went towards your hospital stay right?

                        yeah whatever

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                      • Nu
                        Nutsaz Apr 26, 2011
                        This comment was posted by
                        a verified customer
                        Verified customer

                        Why does americredit harass people after they have been asked not to call anymore. example - i have an account with americredit and am not the best customer however there are people that were listed on my papers that i have no contact with any longer but yet they get harassed after being asked to stop. also why does americredit contact people and harass people who have no have nothing to do with the the account. i have told those who get harassed by americredit to call the cops and file a complaint as well as the BBB and there state attorneys office too. this crap has to stop. i'm sure americredit will have a BS reason.

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                      The complaint has been investigated and
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                      Resolved
                      American Credit Services — NO PROOF and Traumatic

                      We had the same situation from a caller Shawn Woods and our ID caller shows Service Provider tel#...

                      The complaint has been investigated and
                      resolved to the customer's satisfaction
                      Resolved
                      AmeriCredit — Fraudsters and cheaters

                      Americredit are ### thieves they lied about my payment then sent someone to repossess my car when I had been...

                      The complaint has been investigated and
                      resolved to the customer's satisfaction
                      Resolved
                      American Credit Services — Phone call regarding a supposed loan

                      Received a phone call from number listed as [protected]. The gentleman named Johnathon on the phone had a...

                      The complaint has been investigated and
                      resolved to the customer's satisfaction
                      Resolved
                      AmeriCreditPredatory Lender

                      I feel so very very sad. Americredit overcharged me. After I sighned the contract for a car they changed it. Americredit charged me 25% interest on a used car that is broken down. I feel so awful. I feel depressed. I have no one to help me. The car was financed through Bob White's Timonium. I know it is my fault for being used but it hurts so bad. It sent me into a state of depression. Americredit is an awful business. I am still hurting. I hurt so bad---that's all I can tell you.
                      Americredit is a predatory lender paired with Bob White's in Timonium.

                      I am so very very depressed.

                      The car is broken and I am still paying for this used vehicle---I wish someone would see this and help me.

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                        • Wh
                          what2do Mar 09, 2009

                          I am also afraid that I made a rushed and uniformed choice with a dealership to finance a 2005 car through Americredit. I have never missed a payment but was late with my January 2008 payment and have since paid along with a late fee. I feel trapped as this company will not work with you if you experience an emergency such as job loss, illness etc. I have another 32 payments left and don't know if I can keep them up now that I'm unemployed. I wonder if this company has ever been investigated for its predatory loans, unethical business practices, as well as being downright shady and guarded.

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                        • Ad
                          Advocate 4 the people Mar 31, 2009

                          Its not a "predatory loan" people. Again...Americredit is a Bogue House. Your financed with them because that is the only lender that will buy your loan due to your jacked up credit. So with that in mind... MRS JENKINS - you should seek mental help to get over your depression over your auto loan. Its not that bad...This is what you do..Call americredit and voulantarly give the car back. Its a little better credit wise to give it back rather them come and take it. It sucks..i know but if you can afford it dont try. Food, House and family are much more important than you car loan. Let it go back and use public transportation for a while. Its not that bad. Your credit is already shot for a few years...at least this way you can save a little money...even if its $100.00 or so a month. ...Whattodo- again let it go back. Bad situations only get worse. YOU have to make it better.

                          0 Votes
                        • Ms
                          ms suga Nov 07, 2009

                          I beg to differ with the last comment. My husband brought me a 2005 Buick Lacrosse for our 3rd anniversary in 2006. At the time of purchase my husband had a credit score of 700. The auto dealer Bob Watson took the bottom number of my husbands's credit score which was 592 and made a deal with americredit. They charged my husband 18.9% interest. The car has sense then broke down once with transmisson trouble, it has had supension problems. Were paying $480.69 a month for a piece of crap for the next 3 years.

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                        The complaint has been investigated and
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                        Resolved
                        AMERICREDIT FINANCIAL SERVAUTO LOAN DETAILS

                        MY FIANCE WENT AND JUST PURCHASED A USED 2006 CHEVY TRAILBLAZER FROM SUSS AUTO, AND OF COURSE THE LOAN GETS APPROVED THROUGH AMERICREDIT FINANCIAL. THEY GLADLY TAKE OUR $3, 000.00 CASH DOWN PAYMENT, ALL PAPERWORK IS SIGNED, WE LEAVE WITH THE CAR, WE GET THE EMISSIONS TESTING DONE, ECT. WE HAVE HAD THE CAR IN OUR POSSESION FOR 9 DAYS NOW. BUT THEY HAD US APPROVED AND READY TO GO PRIOR TO US HAVING THE DOWN PYMT, SO WE DID NOT HAVE POSSESION OF CAR DURING THAT TIME. (ABOUT A WEEK)
                        MY FIANCE GETS A CALL FROM THE BANK ASKING A BUNCH OF QUESTIONS ABOUT THE TRUCK JUST YESTERDAY. WHEN HE ASKED ABOUT THE QUESTIONS HE WAS TOLD THAT IT WAS JUST TO VERIFY THAT THE BANK SOLD US WHAT THEY SAID THEY SOLD US.
                        THEY THEN ASKED ABOUT THE PRIMARY DRIVER OF THE AUTO. DUE TO HAVING 2 KIDS, OBVIOUSLY HE TOLD THEM MYSELF SO HE DROVE THE OLDER VEHICLE I DROVE THE NEWER MORE RELIABLE ONE.
                        WE SUDDENLY GET A CALL TODAY FROM THE DEALERSHIP SAYING THAT BECAUSE HE SAID I WAS THE PRIMARY DRIVER THEY WERE REVOKING THE LOAN BECAUSE IT WAS APPROVED ON THE ASSUMPTION THAT HE WAS THE PRIMARY DRIVER ?!?!?!
                        SOMETHING IS SCREAMING TO ME THAT THIS ISN'T RIGHT. I SHOULD BE ABLE TO BUY A CAR IN MY NAME, AND LET MY LICENSED DAUGHTER, OR MOTHER, OR SISTER, OR BROTHER DRIVE IT IF I WANT WITHOUT A BANK REVOKING A LOAN. WE MAKE A CALL TO THEM AND GET TOLD THAT THEY ARE ALLOWED TO REVOKE THE LOAN LEGALLY FOR ANY REASON THEY WANT TO, AND THAT IT'S BETWEEN OURSELVES AND THE DEALERSHIP NOW ON IF THEY CAN FIND US OTHER FINANCING, OR IF WE JUST HAVE TO RETURN THE CAR TO THEM.

                        SO I'M TRYING TO HUNT DOWN INFORMATION ON THE LEGALITIES OF THIS AND CAN'T FIND IT ANYWHERE. SO IF ANYONE CAN OFFER UP SOME ADVISE, IT WOULD BE MUCH APPRECIATED.

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                          • Ag
                            a garcia Feb 23, 2011

                            i had the same thing happen to me and i work for the dealer where it was financed through. i contacted my attorney and we are sueing americredit for breach of contract. you should contact an attorney!

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                          Resolved
                          AmeriCreditPredatory lending

                          When purchasing a vehicle through a dealership be very careful of what you are signing. Pay close attention not to JUST the payment amount but the term of the loan. They find what is important to you (low payment) and keep you focused on how great it is to have such a low payment etc. You then in turn do not pay attention to the term of 96 months on a used vehicle? Credit was good so you get a good interest rate except that half way through the loan you can't even re-finance because the vehicle isn't worth that much. No gap insurance available now because you just paid attention to what was left on the loan. Thought you had maybe 1 year at the most. Try 4 1/2 yrs.

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                            • Si
                              SickandTiredofbeingraped Feb 02, 2010

                              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.

                              1 Votes

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                            Resolved
                            AmeriCreditI will never recommend them to anyone!

                            We purchased a vehicle in 2004 and financed through Americredit. We made our monthly payments on time until Oct 07. We got a month behind and then picked back up and again made payments. My husband and I noticed that we had not received an invoice for quite a while but were not concerned we were making the payments and knew that we would get around to calling one day. In January 2009 we fell behind again but were going to catch back up this past Friday. Thursday a tow truck appeared in the yard and they advised me they were there for the car. I was surprised since I had not heard from AmeriCredit either by phone or mail ever. I call them only to find out they had charged off our account in 2007. Not sure what that meant since all cars I had ever heard of being taken back were repo'ed. I asked where the money that we had been paying went and they advised on the charged off debt amount. I know this sounds like I am stupid but I have never heard of an auto finance company charging off a car, allow the person to continue to pay on it and carry insurance on it. When I ask if I could do a check over the phone to bring it current she told me they needed 6300.00 or they were going to take the car. I have driven the car for over 202, 000 miles and it had seen better days so we told them to come and get it. (It actually broke down on my daughter while she was going to work that day) They then advised me that we had the option to buy the vehicle for what they appraised it at and would call me with the opportunity. Not sure I have ever heard of this. No notification in 07 that there was an issue with the account and nothing prior to coming to get it. Go figure. I will never recommend them to anyone!!!

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                              • Fe
                                fedupemployee Apr 15, 2009

                                first of all you couldnt of been 1 month behind u probably was 4 months behind come on now ...they dont want to repo your car just because 1 month behind, get your lie together and pay your bills thats probably why u were financed through americredit cuz your credit sucks!!!

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                              The complaint has been investigated and
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                              Resolved
                              Americredit Financial ServicesStay away!

                              I bought a vehicle in 2006 from Incredible Auto Sales in Billings, MT. Their choice of a financing company was AmeriCredit Financial Services.

                              I did not find out that Incredible had filed bankruptcy and AmeriCredit had written a loan on an unclear title until a year later when I had returned to Ohio and tried to license my vehicle. I am listed with the FBI as a fraud victim and I can't begin to tell you what an ordeal this has been.

                              Through all this, AmeriCredit claims they are not at fault, even though they did not do a title search. They have been relentless on me and with over a year's worth of payments, I still owed more than the vehicle is worth. If they had not written an illegal contract on an unclear title, I would never have bought the vehicle and been in the mess I am in.

                              I have talked with them many times and written letters but they are not interested in facts or admitting they made a mistake, so they have reposed my vehicle and destroyed my credit.

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

                                Americredit sucks flat out. They claim i have a simple interest loan and i can not find it any where on my contract that states this. A payment was made and they lost it, so they claimed it was 92 days late and if they would have credited my account with the payment that was made it would have been 62 days late. So they basically reposed my car for no reason. Americredit and there repo company are flat out rude.

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                                  • Fa
                                    far00kajoe Jul 03, 2009

                                    Hey [censored], perhaps paying your loan on TIME would have helped you but being 2 months late, it IS their right to repo... Are all people in Georgia as stupid as you, or are you just an offshoot of inbreeding?

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                                  • Su
                                    SuperVepr Jul 03, 2009

                                    Alright, Bub. I agree with your insistence that he pay on time but trashing the great state of Georgia is uncalled for.

                                    0 Votes
                                  • Da
                                    darcy47qpt Aug 28, 2010

                                    I agree that Americredit is a Scam...they thrive off of unethtical business practices by using tactics that fall under the umbrella of "legal". I was solicited by these theives in 2006 with an offer of lowering my monthly payments. At the time I was with a reputable finance company paying a high interest rate nonetheless; but the company was reputable and most of my payments went towards the principle. After transferring my account over to these thieves...36 months later I found out my payoff amount was more than the original cost of the vehicle. Imagine paying $649 a month for 3 years and still owing $25, 000 on a $24, 459 vehicle!

                                    I was livid to say the least. After several attempts to speak to someone with authority, I wanted to re-negotiate my contract and have most of my payments go towards the principle. Out of a $649 monthly payment...$129 was going towards principle the rest to interest. At this rate I would pay $55, 000 for a $24, 000 vehicle. Some might say...its my own fault for not reading the small, small print; perhaps they're correct. But once I realized all this I was willing to work with these cruds, but to no avail.

                                    Eventually I had them repossess the vehicle. Frankly, I'd rather live with the negative credit then continue to put money in these slimeball's pocket. But, it gets worse. Since the repossession these Rip-off artists have the nerve to continue harrassing me for the remainder of the balance. Listen to this...they auctioned the vehicle for $8000 which is the amount I "really" owed on the loan. When I attempted to payout this amount and re-negotiate they kept side stepping me with mumbo-jumbo. The nerve of these sharks to try and get another $17, 000 from me on a car I no longer own!!! How's that for unethical and what I consider to be illegal creid practices. Americredit is a major player in the sub-prime fiasco, and deserve be investigated by Congress. The worst company in the auto finance business, take my word for it!!!

                                    0 Votes