Does anyone know if there is a class action lawsuit against these theives, if you do, please contact me!...
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!
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!
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!!!
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.
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.
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
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.
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...
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.
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.
We had the same situation from a caller Shawn Woods and our ID caller shows Service Provider tel#...
Americredit are ### thieves they lied about my payment then sent someone to repossess my car when I had been...
Received a phone call from number listed as [protected]. The gentleman named Johnathon on the phone had a...
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.
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.
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.
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!!!
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.
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.