I had fallen behind in my payments due to both lose of employment and a death in the family. Several requests had been made to AmeriCredit via email and telephone conversations to either modify the payments or repossess the vehicle. They refused, stating, "we don't want the vehicle, we want the payment." I had even reported the aforementioned to the Federal Trade Commission (FTC).in December of I had requested that the repossess the vehicle. On December 16, that came and took the vehicle. I had decided to surrender the vehicle after the relentless amount of phone calls for collection that had been received. Sometimes four to ten times per day, the majority of these calls were hangups. Which, I might add, is a violation of the Fair Debt Collection Act.
On April 22, AmeriCredit had sent me a letter requesting a balance on the vehicle at issue after it had been sold at auction. I had responded to them on April 28, that their offer of settlement is unacceptable on it's face and that if they continue to harass me, I will, in fact file a complaint with the Federal Banking Commission.
Word of advise, stay away from AmeriCredit as their business practices are borderline extortion.
0 comments