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Automobile Acceptance Corporation
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Automobile Acceptance Corporation Complaints Summary

0 Resolved
3 Unresolved
Our verdict: Engaging with Automobile Acceptance Corporation at a 0% resolution rate requires careful navigation. Deep-dive into detailed customer experiences to uncover systemic issues. Critically assess their service descriptions against actual user feedback. When interacting, document every detail, as comprehensive records are vital in such scenarios. Exploring alternatives and understanding your consumer rights are crucial steps. If necessary, be prepared to seek external advice or intervention. In challenging service landscapes, informed decision-making and proactive steps are essential for protecting your interests.
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Automobile Acceptance Corporation reviews & complaints 3

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6:50 am EDT
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Automobile Acceptance Corporation Harassment

Automobile Acceptance Corporation is the WORST lender to ever deal with for a loan. The customer service is horrible, they talk to you like your dirt. If you have a payment due on the 15th, on the 16th they call you, and everyone on your credit application. Then when you talk to them it is usually an angry black woman who makes you feel like you owe her the money. They yell at you and reprimand you like you are a child, totally unacceptable. I have never in my life seen a company like this. If you are making a decision on a loan, I would not suggest using Automobile Acceptance Corporation because they will stress you out in a big way.

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thisman
New Rochelle, US
Nov 03, 2012 7:54 am EDT

Next time you get on the phone immediately tell them you are recording the call for documentation and legal purposes. Oh you have never seen the angry black woman straighten up. And actually record. There are legal implications of them talking smack and you having the raw evidence - they are committing federal offenses. Anyway. you need to become an informed consumer, so here's the deal,
CA push you around if they sniff you don't know your rights. So before you engage them to make any arrangement Google these and become an informed consumer.
1-what to do when you are contacted by a collections agency.
2-your rights under federal laws FDCPA and FCRA
3-Validation of debt (VOD), cease and desist (C&D), CMRRR
4-Your state's Statute of Limitations (SOL) on debt.
5-post your questions at debtorboards dot com if things get thick

Now you are ready to engage.
-Never ever accept/agree/acknowledge you owe/own a debt. First request/demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the call)
-Per federal law a VOD must be the original document with your signature on it, not a CA letterhead stating some amounts owed.
-If your state's SOL is expired on the debt it is noncollectable, you have no more obligation. They can only plead with you to repay. If contacted but you are not interested write a C&D by CMRRR, state SOL is expired and you do not want to be contacted over this debt in any way. You will consider failure to observe that instruction as harassment and you shall seek legal redress against the harassers. CC your state AG, your attorney, FTC, CFPB, etc. all of them.
-If SOL is not expired, debt is verified then negotiate a settlement (aim for less than a third of what's owed, the longer the debt has been outstanding the better for you)
-Next obtain a settlement offer letter (it MUST state "PAYMENT OF $xxxx WILL SETTLE THE DEBT IN FULL). DO NOT submit a payment without it PERIOD! If it's not written it didn't happen!
-If they tell you are you refusing to pay? Say a big fat "YES! No settlement offer letter, no payment, click!"
-Send payment via CMRRR (or signature required), check or Money Order only, no electronic access to your bank account (They will clean you out.)
-Upon completion of the debt payment (per settlement offer letter) obtain a letter stating the debt is settled in full.
-If you get the run around don't worry much hang on to the Settlement Offer Letter, attach it with all your payments proof and keep all those documents for life. They resell your paid off debt and then it's the same collections story all over again from another scammer collector.
OTHER THINGS
-If they call you too much or call family & friends or work C&D them via CMRRR. State that you do not want to be called at home, cell phone, at work or through family & friends and that you allow communication about this debt once a month, etc., by mail or phone (you choose). And that if these instructions are violated you will seek legal redress against them.
-If you talk to a CA ALWAYS write down immediately, who called, where from, said what, why, when, what, i.e. everything. This is acceptable evidence in court.
-If they violate your rights, state or Federal law, sue them. Each violation is worth $1000 to you if you can prove it. Many attorneys will take up your case for free if you have meticulous proof of the violations because the CA will pay their fees. You can also sue pro se - believe it, it's not complicated at all. Just post for guidance at debtorboards.com.
-Lastly I recommend all comm. with CA be in CMRRR form, ALL. If you must talk on the phone record ALL the calls. You may or not tell them you are recording. (They behave if they know you are). Instead use CMRRR it leaves a paper trail evidence against them that can turn into kaching! for you.

ComplaintsBoard
R
1:09 pm EDT

Automobile Acceptance Corporation Has Unfair Business Practices

As an activist for the underdog I write to you in hopes that you will lend a hand to help me and my family with a grave crisis that we are faced with. I am an Honorably Discharged United States Veteran that suffers from the documented disabilities of Post Traumatic Stress Syndrome, Left Arm Neurological Damage, Chronic Hypertension, Chronic Liver Disorder, Depression and Sleep Apnea. Several months ago I lost my job as a result of the terrible recession we all are enduring due to the economy. Consequently I suffered a Nervous Breakdown which led to me abusing alcohol; eventually I was placed in a secured Correctional Treatment Facility. Where I was treated for my disabilities, medical conditions, and enrolled in for completion of an intense Inpatient Alcohol Treatment Program.

I've contacted you because in my deprived state I was manipulated, pressured, and maneuvered into the purchased a 2002 KIA Sportage by Automobile Acceptance Corporation for a staggering $9, 923.70. Admittedly, I became involved with Automobile Acceptance Corporation against the advice of countless friends and family members. Everyone's concern was which has to be proven true is that I should not do business with that Automobile Acceptance Corporation. Since, they target gullible women, single mothers, the disabled, emotional and physically unstable as well as poor undereducated Blacks, Latinos, and other minorities. Automobile Acceptance Corporation sells their vehicle for far greater than Kelly Blue Book value, the interest rate is phenomenal and the monthly payments are higher than industry norm. Unfortunately I was naive, desperate, and didn't really understand that Automobile Acceptance Corporation was swindling me. Automobile Acceptance Corporation boasts of a 21 Point evaluation that's allegedly conducted on all of its vehicles before they are sold. While in fact there was never a 21 Point Evaluation done on the KIA sold to me I later leaned. When I pointed out the many defects the vehicle had, some were fixed but the majorities were not repaired. I was told that the vehicle was mine and I had to live with or repair the defects. The worst of the defects was the chipped windshield which later spread across the entire windshield and the timing belt which astonishingly gave out after just a few months of purchasing the vehicle. A reputable company does not sell a consumer a vehicle for $9, 923.70 and the timing belt and windshield give out in a mere few months, its just unheard of and unacceptable. To date I have paid Automobile Acceptance Corporation $2, 972.00 for the KIA Sportage which book values at $1, 850.00 with 99, 193 miles on it at time of purchase. I am not sure if the decision makers or Executives at Automobile Acceptance Corporation know how terrible the company overall has treated my loved ones and I. Surely a reputable company would not direct its employees to abuse its customers as thy have done me. My friend Kimberly was helping me by paying the payments on the Lemon KIA for me while I was in Treatment. However, she could not help the entire time that I was in Treatment she had her own bills to attend and after all to the loan wasn't her responsibility. When she stopped paying my car note Automobile Acceptance Corporation began telephone harassing her. They called her at unbelievable hours of the day and night, threatening her and me and behaving inappropriate and unprofessional. Automobile Acceptance Corporation also telephone harassed my elderly mother and father. They even went so far as to terrorize my minor daughter on the telephone. Automobile Acceptance Corporation told my child that they would send me off to prison because I had not paid the KIA payment! To this day my minor daughter suffers nightmares as a result of Automobile Acceptance Corporation telephone harassment. When I came home from Treatment I telephoned Automobile Acceptance Corporation and explained my situation to them. They stated that nothing could be done to help my family and me at this time. Balance in full is due immediately, and monthly payments would no longer be extended to me and the repossession process would continue. Sure I like millions of other Americans suffered a rough spot here lately. However it's fundamentally unfair when you take into consideration that the vehicle is a Lemon, and we have invested significant capital in the vehicle already.

I am being significantly overcharged at $9, 923.70 for a vehicle that was only worth $1, 850.00 with 99, 193 miles on it. I guess I have several options at my disposal such as maybe picket the Dealership, hand out Flyers of displeasure at the Dealership to the public that is about to enter the Dealership, or perhaps sue Automobile Acceptance Corporation for overcharging me, for selling me a Lemon, for not making the repairs and for harassment towards my minor daughter and elderly parents, or maybe I can organize the MANY other dissatisfied customers, I have learned of on the Internet in a Class Action Lawsuit. While I do have these options and I have considered them all, none of which will help my family and me on an immediate basis. I am at this time employed therefore what I am willing and financially able to do for my family and my sake as well as livelihood and to resolve this matter. Is simply pay Automobile Acceptance Corporation the balance which they demand. At my original monthly payments of $270.00 a month, in return I minimally ask that Automobile Acceptance Corporation issue a letter affirming that they will in fact repair the timing belt and windshield also repossession efforts would cease immediately. Possibly your organization is capable of facilitating this fair as well as amicable arrangement between Automobile Acceptance Corporation, my family and I so my debt no matter how ludicrous can be paid. Also so my family and I can have transportation to get to and from dreadfully essential Doctor's appointments, support group meetings, work, school, after school activities and all the things that American families enjoy. I thank you in advance for whatever assistance that you may extend to my family and me, God Bless you.

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buffergirl
, US
Jun 20, 2016 3:19 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

automobile acceptance needs to go belly up they are crooks always will be I guess until someone takes a stand and do to them what they have been doing to peoples for years ...I myself am not gonna sit ideally by and just say oh well ..you've stepped on to many peoples toes and something needs to be done about it ...hire yourself a later and just make sure they are not in cahoots with this shady company and hope for the best ...uh ho correction ...kick there A.. (PUT A FOOT IN THERES LIKE THEY DID YOURS). cause you see I too was screwed by that god awfully company and I've got my own game plan in store for them ...wanna play dirty ...LET'S DO IT...WAIT TILL YOU HEAR ABOUT MY FINISHING POINT...

ComplaintsBoard
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3:12 pm EDT

Automobile Acceptance Corporation Employee with no respect for customer

Automobile acceptance employee tavaris very ruled and call my work place questioning my co-workers asking a question that i beleave that maybe hippa dont do, i guess he never heard of listen to your customer before you reply, because of his ruldness to me over the last couple of days i decide not to continue to do bussiness with automobile acceptance, tavaris you mess up what could have been a satified customer who would have referred you more customers.tavarius do your company a favor and take some customer care classes good luck to your next customer if you get anymore.

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Is Automobile Acceptance Corporation legit?

Our verdict: Complaints Board's thorough examination reveals Automobile Acceptance Corporation as a legitimate entity with notable strengths. Despite a 0% resolution rate on customer complaints, which invites a closer look, Automobile Acceptance Corporation stands out for its commitment to quality and security. Clients considering Automobile Acceptance Corporation should delve into its customer service record to gauge compatibility with their expectations.

Automobile Acceptance Corporation earns 91% level of Trustworthiness

Perfect Trust Endorsement: Automobile Acceptance Corporation achives 91% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

Automobile Acceptance Corporation has claimed the domain name for autoacceptance.com for a long time, which suggests that the website is established and has a history of being in operation. This is a positive sign, as it indicates that the website has been around for a while and may have a reputation to maintain.

Autoacceptance.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Autoacceptance.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.

However ComplaintsBoard has detected that:

  • Automobile Acceptance Corporation protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
  • The website belonging to Automobile Acceptance Corporation has a low number of visitors, which could be a red flag for users. However, it's important to conduct additional research to fully evaluate the website's legitimacy and trustworthiness.
  • Automobile Acceptance Corporation appears to provide lending services or information on their website. It is important to be cautious when using lending websites, as scams and fraudulent activities are common in the financial sector. To protect yourself, it is important to carefully review the terms and conditions of any loans or financing products, to only work with reputable lenders, and to avoid sharing sensitive personal information with any suspicious websites.
  • The sensitive services provided on this website are hosted on a shared server, which may increase the risk of unauthorized access and data breaches. It is important to ensure that the website has adequate security measures in place to protect user data, such as encryption and secure authentication protocols.
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