AmeriCredit is practicing deceptive billing acts. I am being cheated each and every month and when I complain to them they decide its a joke to throw a 30 day late on my credit report. AmeriCredit has extended my loan 5 more months without my consent or without me signing a agreement.
My loan is for 60 months but now I am told that it is 67 months. I only deferred 2 payments back in the year of 2001 due to sudden illness that required surgery, making the new contract 62 months. I had to fax a signed agreement and send a 142.00 payment via western union for this. I have been denied credit due to the continuous report every month of 30 days lates on my credit report.
This company violates the Texas Finance Code in many ways from stealing customer's payments to false reporting to the credit bureaus. I pay AmeriCredit bi-weekly either the amount due for the month which is 355.00 or I pay in segments of 200.00.
I am getting past due notices of double the monthly payment and another 30 day late on my credit report. AmeriCredit held my repair check and when my car was completed, they refused to send the mechanic his pay until we paid the whole month and after we paid they decided to have an investigation on why I had 2 issurance checks by two different companies.
My car was hit by two different people and it was not their business. The repair check had a 626.00 amount left after mechanics fees and parts and I was to be reimbursed for the parts I had already pre-purchased. AmeriCredit refused to send me the money and told me it was still their car.
Insurance money had nothing to do with their payment and after they applied this 626.00 to my account, they added another late on my report. AmeriCredit recieved over 900.00 in payments that month and still had me past due of over 600.00. They are taking 80% of the payments and pocketing it and applying 20% my account.
I have all bank statements and a credit report with over (30)-30 day lates. I beg everyone to get together and file charges because there is no way in hell they should be able to get away with this.
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