Automotive Credit Corporation or ACC is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Automotive Credit Corporation – ACC?
Automotive Credit Corporation (ACC) is a third-party auto loan agency based in Michigan. ACC has received consumer complaints alleging violations such as incorrect and improper credit reporting, improper communications and attempts to collect debts not owed. If you have been contacted by ACC, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), ACC was founded and incorporated in 1992 in Michigan. The BBB established its profile page in 1994. ACC is listed as a consumer finance company.
According to its website, Automotive Credit Corporation “is a regional automobile finance company focused on the sub-prime market.” It “has partnerships with hundreds of dealers throughout the United States” and “purchases installment contracts from both independent and franchised automobile dealers for consumers with limited or challenged credit histories who are unable to obtain financing from traditional sources.” The dealers that partner with ACC “enjoy many benefits not available with other sub-prime lenders” and “the luxury of working with a single point of contact through regionally specific sales representatives and an experienced hands-on underwriting team which is accessible and easy to reach anytime”the dealers “need to negotiate a deal.” For car buyers, ACC “specializes in financing people with all types of credit” and takes “pride in helping customers build a good credit history while financing the car of their choice.”
ACC’s website provides information for car dealers and information for car buyers. Their dealer pages inform site visitors that ACC provides “world class service” and is a “Midwest based” company “with rapid expansion plans” and invites dealers to “come grow with” ACC. The Dealer FAQs indicate that ACC works with franchise car dealerships and independent dealerships. More information is available by contacting Automotive Credit Corporation.
The car buyer page provides an online contact form, a payment portal, and FAQs, which answer questions about proof of insurance, account access, payments and payment options, payoffs, and credit reporting.
The Automotive Credit Corporation website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
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How many complaints are there against Automotive Credit Corporation – ACC?
The BBB has closed 8 complaints against Automotive Credit Corporationin the past three years, with 4 closed in the past 12 months. Most of those complaints allege problems with billing and collections and customer service. Since May 2014, the Consumer Financial Protection Bureau (CFPB) has received 34 complaints about ACC. Justia lists at least 3 federal civil cases involving Automotive Credit Corporation.
Can you help me file a No Fee Lawsuit against Automotive Credit Corporation?
Absolutely. Here are some Sample Cases against Automotive Credit Corporation
According to the BBB website, complaints against Automotive Credit Corporation are regarding “billing and collection issues”, customer service and collection issues. The 34 complaints to the CFPB involve allegations improper credit reporting, improper communication, and attempts to collect debts not owed or insufficiently verified.
In September 2017, a complainant alleged that Automotive Credit Corporation reported negatively on his credit even though he was “up to date on [his] car payments, never late.” He also indicated that he “[p]aid the fee for a title,” but ACC “took the money and never sent paperwork” with the result that the complainant is “left to continue to make payments on a car that [he] cannot drive” and a “negative credit score” so he cannot finance another car.” In June 2017, a consumer filed a complaint with the CFPB alleging that ACC was “maliciously reporting” incorrectly to all credit bureaus. The complainant indicated that he had two accounts with Automotive Credit Corporation, one of which was closed due to refinancing, and that he had made payments on the second account as required. According to the complainant, ACC did not acknowledge his “last three payments,”or its “error” in failing to reflect the payments. The complainant stated that the “FCRA states that a consumers [sic] account status should reflect the most recent activity,” but Automotive Credit Corporation incorrectly reported his account as “open and delinquent” rather than as “current/closed refinanced” as it should have been
Automotive Credit Corporation Contact Information
Automotive Credit Corporation 26261 Evergreen Rd Suite 300 Southfield, MI 48076 Telephone: (800) 810-1211 Email: contactus@automotivecredit.com Website: http://www.automotivecredit.com/
Automotive Credit Corporation Calling You?
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Want to Stop Automotive Credit Corporation Debt Collection Harassment Now?
Your debt harassment checklist:
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are recieving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
Can You Help Me Delete Automotive Credit Corporation from My Credit Report?
We can absolutely help. Call us today.
Can Your Firm Help me Deal with Automotive Credit Corporation?
The short answer is yes. Contact us now to find out more.
Sound Off!
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
This is my aunt first time dealing with this company there rude, when she traded in her truck for a small car everything was wrong recall, brakes,cat hair that wouldn’t come up,now another recall,she made payments sometimes money orders, check’s to double the payments they never sent recipes, about the payments they basically lost them
Angela M
I’ve been dealing with ACC since 2019. The experience has been absolutely stressful, abusive at times with communication through customer service, and fraudulent. They charged me for insurance and late fees within the first month of my loan activation even though you cannot drive off of the lot with the vehicle until you have full coverage insurance, which I did, through State Farm. State Farm had to contact them more than once about this issue and they fought me tooth and nail every time. I’ve paid late fees I didn’t even owe due to the harassment of phone calls which sometimes were 5-10 a day. They called while I was at work, late at night, and very early in the morning…including weekend mornings. I’d get phone calls on the day my bill was due even though I usually paid it the day before or day of because it coincided with my pay date. The worst part about this was what happened today. I have paid off my loan and then received a statement saying there was a .40 cent remaining balance with the the total amount due of $0.00. I called customer service to inquire about this and also where my title would be mailed since I moved from the state of purchase. My ex is on the loan and I explained to “Larry” that I had moved (I have in writing that my ex said to pay the car off and he will sign the title over to me) because I was in a very mentally/physically abusive relationship and my 13 year old daughter became witness to it. I explained how having to make contact with said abuser made me I’ll and asked if I could please speak to a manager since he told me that there was nothing that could be done even though I paid 90% of the loan and have receipts. Not only did “Larry” refuse access to another representative after I told him he was being very rude, he then yelled at me. I remained calm but was overwhelmed with the arguing, yelling, and dismissive tone from this man after I just disclosed to him that I was an abuse survivor. He told me his supervisor was in meetings. I asked for a phone number. He declined and said there wasn’t one and that this is their policy (that the title would be mailed to my ex) and yet the supervisor called me back and said that they will mail it to me. I told supervisor “Kim” that Larry was very rough with me on the phone and she laughed and said “yeah, he’s been running back and forth trying to get me out of meetings” It has been nothing but a nightmare yet I never complained until I was yelled at and argued with. I was diagnosed with PTSD after finally getting out of this abusive relationship and this communication today left me in tears. In the least, they need to be accessing who they have employed.
Pam
These people are very rude individuals,they don’t listen they just talk over you.Not Nancy though!
Reneigh F
Please contact me in regards to this company. They are using Slovin and Assoc. to harass me and I need assistance.
This is my aunt first time dealing with this company there rude, when she traded in her truck for a small car everything was wrong recall, brakes,cat hair that wouldn’t come up,now another recall,she made payments sometimes money orders, check’s to double the payments they never sent recipes, about the payments they basically lost them
I’ve been dealing with ACC since 2019. The experience has been absolutely stressful, abusive at times with communication through customer service, and fraudulent. They charged me for insurance and late fees within the first month of my loan activation even though you cannot drive off of the lot with the vehicle until you have full coverage insurance, which I did, through State Farm. State Farm had to contact them more than once about this issue and they fought me tooth and nail every time. I’ve paid late fees I didn’t even owe due to the harassment of phone calls which sometimes were 5-10 a day. They called while I was at work, late at night, and very early in the morning…including weekend mornings. I’d get phone calls on the day my bill was due even though I usually paid it the day before or day of because it coincided with my pay date. The worst part about this was what happened today. I have paid off my loan and then received a statement saying there was a .40 cent remaining balance with the the total amount due of $0.00. I called customer service to inquire about this and also where my title would be mailed since I moved from the state of purchase. My ex is on the loan and I explained to “Larry” that I had moved (I have in writing that my ex said to pay the car off and he will sign the title over to me) because I was in a very mentally/physically abusive relationship and my 13 year old daughter became witness to it. I explained how having to make contact with said abuser made me I’ll and asked if I could please speak to a manager since he told me that there was nothing that could be done even though I paid 90% of the loan and have receipts. Not only did “Larry” refuse access to another representative after I told him he was being very rude, he then yelled at me. I remained calm but was overwhelmed with the arguing, yelling, and dismissive tone from this man after I just disclosed to him that I was an abuse survivor. He told me his supervisor was in meetings. I asked for a phone number. He declined and said there wasn’t one and that this is their policy (that the title would be mailed to my ex) and yet the supervisor called me back and said that they will mail it to me. I told supervisor “Kim” that Larry was very rough with me on the phone and she laughed and said “yeah, he’s been running back and forth trying to get me out of meetings” It has been nothing but a nightmare yet I never complained until I was yelled at and argued with. I was diagnosed with PTSD after finally getting out of this abusive relationship and this communication today left me in tears. In the least, they need to be accessing who they have employed.
These people are very rude individuals,they don’t listen they just talk over you.Not Nancy though!
Please contact me in regards to this company. They are using Slovin and Assoc. to harass me and I need assistance.