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  5. AMERICAN CREDIT ACCEPTANCE, LLC

AMERICAN CREDIT ACCEPTANCE, LLC

Company Details

Name: AMERICAN CREDIT ACCEPTANCE, LLC
Jurisdiction: New York
Legal type: FOREIGN LIMITED LIABILITY COMPANY
Status: Active
Date of registration: 30 Jun 2010 (15 years ago)
Entity Number: 3968091
ZIP code: 10005
County: New York
Place of Formation: South Carolina
Address: C T CORPORATION SYSTEM, 28 Liberty Street, New York, NY, United States, 10005

Contact Details

Phone +1 864-256-2452

Agent

Name Role Address
C T CORPORATION SYSTEM Agent 28 LIBERTY ST., NEW YORK, NY, 10005

DOS Process Agent

Name Role Address
AMERICAN CREDIT ACCEPTANCE, LLC DOS Process Agent C T CORPORATION SYSTEM, 28 Liberty Street, New York, NY, United States, 10005

Licenses

Number Status Type Date End date
1384435-DCA Active Business 2013-02-13 2025-01-31

History

Start date End date Type Value
2019-01-28 2024-06-01 Address 28 LIBERTY ST., NEW YORK, NY, 10005, USA (Type of address: Registered Agent)
2019-01-28 2024-06-01 Address 28 LIBERTY ST., NEW YORK, NY, 10005, USA (Type of address: Service of Process)
2010-06-30 2019-01-28 Address 111 EIGHTH AVENUE, NEW YORK, NY, 10011, USA (Type of address: Registered Agent)
2010-06-30 2019-01-28 Address 111 EIGHTH AVENUE, NEW YORK, NY, 10011, USA (Type of address: Service of Process)

Filings

Filing Number Date Filed Type Effective Date
240601036055 2024-06-01 BIENNIAL STATEMENT 2024-06-01
220608002453 2022-06-08 BIENNIAL STATEMENT 2022-06-01
200601061274 2020-06-01 BIENNIAL STATEMENT 2020-06-01
SR-54911 2019-01-28 CERTIFICATE OF CHANGE 2019-01-28
SR-54912 2019-01-28 CERTIFICATE OF CHANGE 2019-01-28
180604006530 2018-06-04 BIENNIAL STATEMENT 2018-06-01
160608006612 2016-06-08 BIENNIAL STATEMENT 2016-06-01
140630006458 2014-06-30 BIENNIAL STATEMENT 2014-06-01
121018002321 2012-10-18 BIENNIAL STATEMENT 2012-06-01
101231000160 2010-12-31 CERTIFICATE OF PUBLICATION 2010-12-31

Fine And Fees

Fee Sequence Id Fee type Status Date Amount Description
3579184 RENEWAL INVOICED 2023-01-09 150 Debt Collection Agency Renewal Fee
3307629 RENEWAL INVOICED 2021-03-10 150 Debt Collection Agency Renewal Fee
3305810 RENEWAL INVOICED 2021-03-03 150 Debt Collection Agency Renewal Fee
2544104 RENEWAL INVOICED 2017-01-31 150 Debt Collection Agency Renewal Fee
1974102 RENEWAL INVOICED 2015-02-04 150 Debt Collection Agency Renewal Fee
1878529 LL VIO INVOICED 2014-11-10 26500 LL - License Violation
1258658 RENEWAL INVOICED 2013-02-13 150 Debt Collection Agency Renewal Fee
1220901 LICENSE INVOICED 2011-03-24 150 Debt Collection License Fee

CFPB Complaint

Complaint Id Date Received Issue Product
11536052 2025-01-16 Managing the loan or lease Vehicle loan or lease
Issue Managing the loan or lease
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Problem with additional products or services purchased with the loan
Sub Product Loan
Date Received 2025-01-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-16
11377321 2025-01-03 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2025-01-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-03
11448182 2025-01-09 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2025-01-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-09
11034496 2024-12-05 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2024-12-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-05
Consumer Consent Provided Consent not provided
6583906 2023-02-17 Struggling to pay your loan Vehicle loan or lease
Issue Struggling to pay your loan
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Denied request to lower payments
Sub Product Loan
Date Received 2023-02-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-02-17
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened XXXX sold me a XXXX low mile car for XXXX for 72 months with American credit acceptance as my lender. They didnt explain anything to me at all for example my 26.66 % apr. I happened to be an out of state buyer from New York. They didnt help with getting it registered like they do for all there customers. I believe since I was an out of state buyer I had to do it on my own which made it tough after my temp tags expired. Because I was a first time car buyer I was extremely taken advantage of. They put me in this vehicle when I didnt have the right insurance to align with the state dmv registration procedures. Then when I called for them to help change my request away from my home state they couldnt get me florida registration. This process has been so bad for me after 60 days its been constant paranoia and stress that I was going to lose the car from law enforcement ( as I was constantly being pulled over ) or repossession but On XX/XX/XXXX it was reposed from me for nonpayment. I paid close to XXXX to get it back and when it was return I had a check engine light on and it wasnt running as smooth. Even took it to XXXX for a service they charged me XXXX for the check engine light and brakes even under the XXXX warranty coverage. Just 5 months in and the check engine still appeared on the dash. After a tough first 13 months with the car they had it repoed again for non payment. And the car was still unregistered and put me in so much issues with Florida law enforcement. Another thing they didnt tell me is that I would have to pay the old state I was living in taxes to just to register it and that cost close to XXXX.
Consumer Consent Provided Consent provided
5694392 2022-06-21 Struggling to pay your loan Vehicle loan or lease
Issue Struggling to pay your loan
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Loan balance remaining after the vehicle is repossessed and sold
Sub Product Loan
Date Received 2022-06-21
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-06-21
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
3451672 2019-11-26 Struggling to pay your loan Vehicle loan or lease
Issue Struggling to pay your loan
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Lender trying to repossess or disable the vehicle
Sub Product Loan
Date Received 2019-11-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-11-26
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
4113559 2021-02-03 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2021-02-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-02-23
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer Consent Provided Consent provided
6934960 2023-05-05 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2023-05-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-05-05
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided Other
4083591 2021-01-21 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2021-01-21
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-01-21
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer Consent Provided Consent provided
8288312 2024-02-05 Problem with fraud alerts or security freezes Credit reporting or other personal consumer reports
Issue Problem with fraud alerts or security freezes
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Product Credit reporting
Date Received 2024-02-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-02-05
Complaint What Happened Accounts and loans opened with out my consent
Consumer Consent Provided Consent provided
9753397 2024-08-08 Problem with a company's investigation into an existing problem Vehicle loan or lease
Issue Problem with a company's investigation into an existing problem
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Problem with personal statement of dispute
Sub Product Loan
Date Received 2024-08-08
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-08-08
Consumer Consent Provided Consent not provided
8000718 2023-12-14 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2023-12-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-12-14
Consumer Consent Provided Consent not provided
10000213 2024-09-03 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2024-09-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-09-03
Consumer Consent Provided Consent not provided
6900628 2023-04-27 Improper use of your report Credit reporting, credit repair services, or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2023-04-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-04-27
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided Consent not provided
7471856 2023-08-29 Problems at the end of the loan or lease Vehicle loan or lease
Issue Problems at the end of the loan or lease
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Problem related to refinancing
Sub Product Loan
Date Received 2023-08-29
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-08-29
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
6991445 2023-05-17 Improper use of your report Credit reporting, credit repair services, or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2023-05-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-05-17
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided Other
6563903 2023-02-12 Credit monitoring or identity theft protection services Vehicle loan or lease
Issue Credit monitoring or identity theft protection services
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Received unwanted marketing or advertising
Sub Product Loan
Date Received 2023-02-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-03-13
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened American credit exception gave me a loan to purchase a used vehicle however they or the car dealership did not give me any information as far as opting out of my information go to a 3rd party I put them on notice letting them know that they can not put any late payments or any of my credit information on my credit report because that is misleading information due to the fact that 15 usc 1681a Definitions ; rules of construction ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; consumer ( c ) The term consumer means an individual.person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So according to the law ACC is violating my rights as a consumer consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title .consumer reporting agency ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. This is hurting my credit this is causing me to Denied of a loan and it's also causing my family and I to suffer we are not able to purchase another vehicle or even Rent an apartment this is the privately of my rights as a consumer and I am being violated I also asked them about their opt out Policy if they could send me the paperwork so I can start the procedure they let me know that they do not participate in this and I let them know as a business especially dealing with money before under consumer laws they let me know that this was not concerning them and they are going to put this information on my credit report and send it to the credit bureau and I told them that was against them all as well they are not allowed to do that and I put them on notice with that as well And they still Decided to violate my rights and break the law ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of titlenonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. So now you're sending me a letter in the mail telling me that you're going to report my information which I still did not agree upon Them to do that and I clearly let them know several times and they're still violate my rights as a consumer So they're willingly and knowingly holding information from me and giving me false and inaccurate information Even though I pointed out all the laws to them that what they're doing Is violating my rights as a consumer now I am reporting this to you guys because they do not want to stop this is Not right because the law clearly shows them and I have clearly put them on notice I have the certified letters to show that they receive it they just choose to ignore it and by doing such thing this become identity theft because I did not give them permission to do any of this So I'm asking you to please step in and let them know if I know what they're doing is wrong and they can not do that I did Rescinding my contract with them as well Forgiven deceptive Faults and inaccurate information They also wanted {$3000.00} as a down payment in order to give me the loan when I asked them about they said they did not say that that came from the dealership so between them and the dealership they're both Violating my rights as a consumer I asked them to please put that in writing that they did not ask for a {$3000.00} down payment To purchase that XXXX XXXX XXXX that I have They told me yes over the phone but I never received it in writing as And I did put them on notice and they seems to don't care and don't respond to some of my letters so I'm asking you guys to step in please I did report them to the FTC I am waiting for a reply from them but however they're taking long so I need you guys to step in as well I asked them can they please show me paperwork of where I gave them permission and show me the law of where they have permission to Give my information to a 3rd party they still did not send any letter showing me the law that they can do this or showing me where I gave them the right to do this
Consumer Consent Provided Consent provided
6391805 2023-01-03 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Their investigation did not fix an error on your report
Sub Product Credit reporting
Date Received 2023-01-03
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2023-01-03
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off
Consumer Consent Provided Consent provided
7427254 2023-08-19 Managing the loan or lease Vehicle loan or lease
Issue Managing the loan or lease
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Problem with the interest rate
Sub Product Loan
Date Received 2023-08-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-08-19
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I'm having problems with keeping up with the payments and it's because of how payments are being allocated. Told twice by a supervisor that my total payment went to interest not principle which cause the account to go in pass due status. XXXX cost about $ XXXX book value charged XXXX and paid about XXXX and still have a XXXX balance. Help me understand that in legal terms please. Now after about twenty-five {$400.00} payments I'm block on my account because I'm 23 days pay due. Which is schedule to come out my bank account. My fear is next it's repossession. I also see a suit from the Attorney General XXXX XXXX New York alleging the same conduct against other consumers.
Consumer Consent Provided Consent provided
5935396 2022-09-01 Getting a loan or lease Vehicle loan or lease
Tags Servicemember
Issue Getting a loan or lease
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Fraudulent loan
Sub Product Loan
Date Received 2022-09-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-09-01
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I took a car loan out in XX/XX/2021 with American credit acceptance they gave me an APR of 24.9 % and this is against the law APRs can not be that high it more than doubled the price of the car In New York, the maximum rate of interest on a loan is 16 % per annum. If a lender charges more than that, it may be liable for civil usury. Interest that is higher than 25 % constitutes criminal usury. However, there are various exceptions to these laws depending on the type of borrower and the amount of the loan.
Consumer Consent Provided Consent provided
6654271 2023-03-06 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Their investigation did not fix an error on your report
Sub Product Credit reporting
Date Received 2023-03-06
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-03-06
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
5925985 2022-08-29 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2022-08-29
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-08-29
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened Unauthorized inquiries on my credit report
Consumer Consent Provided Consent provided
5558941 2022-05-13 Struggling to pay your loan Vehicle loan or lease
Issue Struggling to pay your loan
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Lender trying to repossess or disable the vehicle
Sub Product Loan
Date Received 2022-05-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-05-13
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened ACA did not apply payments correctly to account which resulted in inaccurate " late '' payments, delinquent status, and repo order. Paid 3 months in XX/XX/XXXX for XXXX, XXXX, and XXXX XXXX to XXXX only and interest. All payments on time but reports show 7 lates. Request for deferring in XX/XX/XXXX not honored as told if I made a payment by XX/XX/XXXX which I did. Denied deferring again in XX/XX/XXXX due to delinquent status. Payment canceled in XX/XX/XXXX by ACA after putting loan in repo status. ACA rep rude, wouldn't connect me to reinstatement dpt, and hung up on me. Motor seized and upon calling ACA in XXXX was just told I need to make payments or car would be repossed. Late hx, status, and incorrect balance on all 3 credit reports can not finance another vehicle or get a loan. I called the reinstatement dpt who just kept trying to collect money. She finally said I can send a repair estimate over and they would deduct that from what I owe. Then the difference between what I owe and the kbb value of the vehicle can be negotiable to pay off loan.
Consumer Consent Provided Consent provided
5391708 2022-03-31 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2022-03-31
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2022-03-31
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided Consent not provided
4644021 2021-08-19 Incorrect information on your report Vehicle loan or lease
Tags Older American
Issue Incorrect information on your report
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Information is missing that should be on the report
Sub Product Loan
Date Received 2021-08-19
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-09-08
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
8402087 2024-02-22 Problems at the end of the loan or lease Vehicle loan or lease
Tags Older American
Issue Problems at the end of the loan or lease
Timely Yes
Company American Credit Acceptance, LLC
Product Vehicle loan or lease
Sub Issue Problem with paying off the loan
Sub Product Loan
Date Received 2024-02-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-02-27
Consumer Consent Provided Consent not provided
11917684 2025-02-03 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company American Credit Acceptance, LLC
Product Debt collection
Sub Issue Debt is not yours
Sub Product I do not know
Date Received 2025-02-03
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-02-03

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C T CORPORATION SYSTEM

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Related by address

C T CORPORATION SYSTEM, 28 Liberty Street, New York, NY, United States, 10005

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Date of last update: 10 Mar 2025

Sources: New York Secretary of State

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