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Americredit & GM team up to Fleece the poor
Posted by on
So the welfare has been received, General Motors are pumping themselves up and realizing they need the poor to continue the bail out. Let me explaine, recently GM announced it will now have a relationship with a ” Americredit” that has been in the business of offering non prime and subprime auto loans. Unfortunately, these loans must be offered because one must ask himself. who else will General Motors and Americredit prey upon, surly not the wealthy, No the desperate! Let me give an example of this. I purchased a GM car it fell apart a 1996 Lumina, a real piece of junk, the manifold wore thin and dumped water in the crank case, right at 36000 miles, Notice the mileage, this is when the dealer warranty expires, Unknowingly, my credit was run through 15 different banks, now I have 15 inquiries killing my credit score and forcing me into that vehicle. Guess the only people that will finance the car is Americredit, who by the way can no longer make loans in California because illeagal lending practices, The interest rate is like 24.99 % percent. So I have an outrageous payment of $430 per MO. And Americredit Know's exactly what they are doing. General motors also is now going to continue making subprime loans on somone who has decent credit. So I make all payments on time, all but three payments, because the accounting practices at Americredit cause you to get behind on your payments claiming they don’t get to their p. o. box but on fixed dates. I finally traded the car in blowing smoke out the kazoo because the cost to fix the Lemon was well over $2200.00 dollars. And even after the Americredit loan is paid in full. Account closed and paid those three lates on my credit report are reported 16/30 day lates one month 5/30 day lates another month then 6/30 day lates again and again all the while this account is showed paid and closed. I contact the credit reporting agencies and to my surprise they start the blame game claiming one or the other are reporting it inccorectly. The whole experience with general Motors and Americredit turned into the worst decision I ever made, So Please Beware who you do business with. Surely steer clear of the Welfare recipients and their thugs who are out to jamm you and your family up. See General Motors and Americredit have these people called CEO’s who are in contact with their congressional friends making back door deals attempting to fleece you out of your good credit standing and your hard earned money. Thanks for listening I hope my story makes you think about your next
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habanero98765 on 07/23/2010:
You would think a 1996 lumina would oh be worth $430 total. I imagine there is a lot more to this story.
Skye on 07/23/2010:
General Motors repaid their bailout money already, and repaid it back 5 years early.
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Contracts/Money Owed
Posted by on
ARLINGTON, TEXAS -- To begin, I purchased my vehicle in May 2003 through one creditor. Well, they went out of business, in which, another creditor took over the contract.

Finally, 2008 comes along and the loan matures, but for some odd reason, we still owe a balloon payment of $7,600 and change. That is half of what the car is worth. My wife and I called this company repeatedly, just asking for a history of payments. We got lies after lies, upon lies, on how they could not pull up this information. Matter of fact, they have been absolutely incredible rude to my wife and I.

My car went to collections, we asked if they could pull something about our payment history and what not, they couldn't. This company did not take charge, and resorted to sending back the collections. That is funny. Just recently, I got in contact with them, yes, they want their money; however, when I asked about why the collection company sent back the bill, the creditor said they could not get a hold of us. Funny isn't it? Sounds like a legal matter to me. Where's my attorney/lawyer?
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Venice09 on 07/27/2010:
Do you have a record of your payment history?
TAEK04 on 07/29/2010:
Yes, I have payment history from this creditor. Am trying to get all records from banks of payments made.
Venice09 on 07/29/2010:
If you have proof of all your payments, you should be able to get this straightened out even if it takes some time.

Nice picture!
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Americredit Repossession is Ridiculous
Posted by on
TEXAS -- I had a vehicle with this stupid place and lost my job in Jan 2009. I tried making & keeping up with my payments as much as I could. Unfortunately, I couldn't keep up - called to make arrangements and they didn't want to help me and it's ridiculous. I got behind and all of a sudden one night they show up and take my vehicle (last Tuesday) and I call the next day because the lady that came to my house when the vehicle was taken said I could call these a - holes and make payment arrangements and get my vehicle back. I call the jerk offs and am told I need $2058 to get the vehicle back - that's for past due balance, legal fees, repo fees, & late fees and then they said I'd also have to pay separate storage fees when I pick the stupid POS up from the repo company. Today I get a letter from the dumba$$es that says this letter is to inform you we have repossessed your vehicle - really, you did? I hadn't noticed I didn't have anything to drive anymore!!!!!

Now they want $8721 dollars for a piece of junk vehicle that has tons of problems and wasn't even close to that amount when purchased. Well, here's to you AmeriCredit & I hope you come on here and read these - You can shove this van up your you know what!!! I am buying a vehicle from a private seller - someone who isn't going to rip me off as bad as you have - and then I'm filing bankruptcy so you can shove the delinquency (difference in selling price and balance) up your holes. You all suck and you are inhuman. I hope one day you are in the same predicament that you have placed many of us in and there's nobody there to help you!!!
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NickL11354 on 07/12/2010:
Do you expect sympathy?? You took a car loan (a SECURED) asset and didn't pay. They repo'd the vehicle as per the TERMS of the LOAN you signed

Oh and good luck with getting another car loan with a repo on your credit report. $8,000 is all its worth?? must have been one of those economy GM P.O.S's like the Aveo.
ejack053824 on 07/12/2010:
Business is sucks you had your car repossessed but if you didn't have the money then what choice did they have? your finance contract!
Anonymous on 07/12/2010: you were the one I saw on Operation Repo.
PepperElf on 07/12/2010:
wait... you're going to buy a car
and then file bankruptcy
just to "screw them over"

isn't that a bit like cutting off your nose to spite your face?
especially since a bankruptcy will be on your credit report at least 10 years

and it does NOT get you out of paying your bills
Instead, your non-exempt property is liquidated to pay the bills. which means you could lose a lot of your property.

PepperElf on 07/12/2010:

before you go bankrupt to spite them read that.
it's a list of what can be taken away to be sold to pay the debts
and that may help as well
Starlord on 07/13/2010:
I just read that KIA is one of the firms that probably won't be around after 2011. Kia and Hyundai are owned by the same people, and Kia's profits were seriously down the last quarter, and The folks at Hyundai feel the Kia is draining off sales that could be more meaningful. They figure why compete with yourself, so it looks like Kia will bite the big one. As far as the repossession, where did you get the idea that the finance company had some obligation to feel sorry for you and let you slide on your bill? They are in business to make money, and if they forgave everyone who gave them a sob story, they would not be in business long. I used to do some repo work back home, and it always amazed me that someone several payments behind on their note felt that the dealer or finance company should just let them pay when they were darn good and ready. Homey don't play dat game.
Helpful on 07/13/2010:
I can feel for anyone who loses their job. There's a lot of that in this economy. It doesn't mean you're not liable for the payments on the car, along with additional repossession fees. I can say, as others already have, it will become difficult to get a decent loan for any reasonable car with poor credit. Taking out bankruptcy isn't going to help either. And, if I'm not mistaken, bankruptcy doesn't simply discharge your debts as it used to. I'm going to have to check out that link that Pepper has left. (Thanks Pepper).

Further, I know we're to refrain from speaking about the way a letter is written, but come on. Are we supposed to show any form of sympathy for someone using vulgarities like this throughout the review? My guess is this review is one that will be deleted by the staff.
clutzycook on 07/13/2010:
I read this one last night (such a nice little bedtime story). I abstained from replying to it then because I had nothing nice to say to the OP. But you guys pretty much took the words right out of my mouth. I guess the moral of the story is pay your bills or don't come crying when they take your stuff away.
ejack053824 on 07/13/2010:
Agrees with Starlord regarding the repossession advice.
sgfsteelers on 07/22/2010:
That's funny, I had a loan with them & we got behind due to that little addage of life happens. I called them - before I was late & told them that I was going to be paying the next payment late. I continued to call them - in other words, they did not have to track me down, I stayed in contact with them. I got as many as 3 payments behind at a few different points, but they knew that they didn't have to worry 'cos I stayed in contact. See, most cars are repossessed because people stop talking to their creditors be it because they are embarrassed, overwhelmed, whatever & when you stop talking to them, they don't know you aren't a flight risk - with THEIR property. Keep in contact. Our phone # changed 'cos I went with a cheaper company - I called my creditors with the new #. Communication makes ALL the difference in the world!!!

Plus there were times when I paid $100 & then in 4 days paid another $100 because I got a check we didn't expect or something & instead of blowing it, I paid people. See, when my husband was in the Navy, we had a neighbor who got behind on everything. OK, it happens. They went to one of those debt places that for a fee pay your bills from one bulk payment you give them. Then as far as the cable co & everyone was concerned, they were current. Then they got their tax refund. Instead of seeing if they could pay everything off & save that fee, they went shopping. Popcorn popper, darken the windows on the car + new car stereo. Then $$ was gone & I hear her say, "You know, if we only pay half to the cable company this month, we can get the icecream maker..." She got mad when I asked "Isn't that part of how you guys got into trouble in the first place?"
sgfsteelers on 07/22/2010:
Oh & btw, I paid off the car & have the title...

Thanks for your help Americredit!!
Weedwhacked on 07/22/2010:
Everyone talks about terms and conditions of loans. Think about yourselves losing your jobs, what would you do?
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Auto Loan Goes Sour... Never Go With Americredit For A Loan!!!
Posted by on
CHARLOTTE, NORTH CAROLINA -- I have had nothing but bad come of my loan with Americredit. I accepted a loan with them through my dealership in August of 2005. From the very beginning when I called them to verify that after some time I would be able to refinance at a lower interest rate with them, they have been nothing but deceitful liars. I paid on time for the first year and a half until I had trouble with identity theft and got behind in my payments. At that time, they did push 2 payments to the back of the loan and again when I went through cancer over a year ago, they pushed another 2 payments to the back end of the loan (that was fine, but it was at my suggestion, with a supervisor and not because they wanted to be nice).

After I transferred with my job from Maryland to Florida, I called Americredit to make a phone payment because my PC was not up and running and my mail had not been forwarded. When I got the customer service rep on the line, she was snitty with me and informed me I was 45 days over due. I advised that was the reason I was calling them to inform them of my new permanent address and to make a payment. I explained that I wouldn't have called if I were trying to run away and avoid paying the payments. I made the payment, but had to pay a ridiculous $10.00 fee which I believe Americredit is getting a kickback on from Western Union.

To make things worse, about a month ago I called to make a payment arrangement for my account. I already had 2 payment arrangements in their system and was told a 3rd could not be added until the first was paid. So on the 1st and 8th of June payments of $228.00 and $200.00 were taken out of my checking account as arranged. On Friday, June 20th I called to verify the third payment was not in the system and was told by customer service agent L. Armstrong that there was no automated payment in the system for June 23rd. She asked me what I wanted to do. I explained I was waiting for a check to clear my bank and I would make the payment through my home PC on Tuesday night. I forgot about the payment on Tuesday, as I threw my back out and went straight ot bed after work Tuesday evening. I went through the drive through at my bank yesterday and had a deficit to my account in the amount of -$68.00. I checked online with my bank and Americredit not only took out a payment after they told me there wasn't a pre-arrangement in the system, but they took an additional $90.00 out. I called Americredit and they see where I spoke with L Armstrong on Friday but refuse to refund my money. So now my storage fee check is going to bounce, I am going to have 2 additional NSF check fees with the bank, and I have no gas money ($80.00) to get me to work next week. I am going to the bank at lunch to sign paper work for an unauthorized withdrawal and see if the bank can help me in any way. Stay clear from Americredit, they are glorified loan sharks.

PS... they don't refinance their own loans. Just another lie I was told before I signed on the dotted line.
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spiderman2 on 06/26/2008:
The loan went sour because you didn't make timely payments no matter what the reason was for those, illness, moving, throwing your back out, etc.
Suusan B. on 06/26/2008:
This situation is entirely your fault as you didn't make the payments as agreed per the contract you signed.
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Posted on
A few weeks ago, I inquired at several banks and Credit Unions about re-financing an auto loan and was told by the Credit Union, they could possibly offer a 4.5% interest rate.

Knowing this was a great interest rate, I got all the information I needed to get from the bank and the appropriate applications I could fill out at home. Then, I arranged to be off at work yesterday so I could take all the time I needed at the bank.

On 5/12/08, I called AmeriCredit and spoke with a representative who was very nice. I explained what I needed (A copy of the front and back of the title and the payoff quote). I then asked what their procedure was and what other things I needed to get ready before I went to the bank.

The representative (whose name I was sure to write down) told me that all I had to do was call AmeriCredit when I was at the bank and assured me that they could and would fax all of that information at the time.

It was about 3:30pm when I got to the bank which closed at 6:00 pm. (I was ready to be there in the am but that's another story). I had everything I needed and had asked the AmeriCredit rep for his direct line which he willingly gave me.

About 5:15pm, we're done at the bank ready to close on the loan; we just needed to call AmeriCredit. We call to find there is no way for us to get in touch with the rep because it is an inbound call center so calls can't be transferred. However, another rep faxes us the information we requested. We get the payoff quote and an image copy of the front of the title.

We call back to request the back of the title and told that it takes 48 hours. So I speak with a supervisor to find that this is the case and that the original rep mislead me in the information I requested including the ability to contact him directly.

After speaking with the loan officer, she tells us that many times it does take 48 hours. This was the reason I had called on Monday, I could have that information faxed to me by Thursday at the latest.

The supervisor was understanding and apologetic but told me there was nothing she could do because their records room where the titles are kept is closed but would put a high priority on my account.

I did everything I could to have everything ready and by the time I got out of the bank (6:15pm), I was unable to have the loan closed.

Hopefully,the fax will be there Monday. There will be an update to this review.

On 5/21/08, I went to the bank to see if the loan officer had gotten the papers as promised from the loan company. She did not.
I then called AmeriCredit back, explained the situation and what was needed. After verifying the account number, I was placed on hold. It felt so long that I checked the time on my phone (over 11 minutes.) Remember, all I am asking for is a fax I was promised on Friday to be in 48 hours from then which should have actually been Tuesday afternoon (if you include business hours).
I decide to hang up and call up. I immediately ask to speak to a supervisor. After verifying my account # and address, I am transferred to someone that is not a supervisor. Then, as I am starting to repeat my request we are disconnected. Okay, that happens. I call back a third time and this time they ask for my phone # for verification. A little frustrated by now, I give them my full address as well and now ask to be transferred to a supervisor.
Ten minutes later, a supervisor picks up. The same one I spoke to on the previous Friday and she remembered me. She then proceeded to tell me that they faxed us the information the past Friday. I told her yes, they faxed the wrong information and she was supposed to fax the correct information. Now, all of sudden, they forgot to do this.
Of course, by this time I am quite frustrated and tell her that I need the information faxed today (5/21/08) and until she tells me that she herself is faxing the information, I am not going to hang up with her nor is she going to string me along for another 48 hours. She then puts me hold of all things to speak with her supervisor.
Another ten some odd minutes later, she comes back on the phone to tell me that they pulled up my records and they are now faxing it. It took 5 people and almost 40 minutes just to fax something that should have already been faxed!
Tomorrow will make 2 weeks since I first called the loan company and they told me I would immediately receive the information while I was at the bank. It has now been one week since I've been to the bank to be told it would take 48 hours. It's been an entire day since I called back and was told they would put urgent on my request and the fax has yet to be received. If it takes any longer, the payoff quote will change which will require other paperwork and more headache.
On the upside, the credit union has been wonderful through all of this and very helpful. I can't wait until my loan is through them. There have been several people on here who have commented that the credit union is the best way to go and so far they seem to be right.

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Anonymous on 05/21/2008:
There will be an update to this review on 5/22/08 in the afternoon and it will change from informative to complaint at that time.
Anonymous on 05/23/2008:
There is now an update to this review.
Anonymous on 05/23/2008:
Wow! You have the patience of a Saint! Outstanding review and an equally helpful follow-up. Voted VH.
Anonymous on 05/23/2008:
Thank you. I didn't feel very patient but it seems to have paid since my new loan is finalized and will cut over a year off of my payments!
Anonymous on 05/23/2008:
Give yerself a big pat on the back. You'll have much less consumer debt to service...a goal all of us need to strive for as the US economy tanks.
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Lack of respect for customer
Posted by on
ARLINGTON, TEXAS -- On 12/31/2009, I received a 1099C from Americredit. This company reported the loss to the IRS for $13,376.89. I reported this amount to the IRS as an income in 2009 income tax Since then, I understood that the debt is already cancelled.
On 2/24/2011, I called the Americredt customer services and the operator said that the is debt paid off. I requested to get my car tittle without lien. She transfererd me the Tittle Department I spoke to an Americredit agent (name omitted. HeI requested the car tittle and he claimed that I still owing to Americredit the amount of money indicated above. He denied my requested again and again. After long discussion over the phone. He was asking for $14,000 Dollars , later he reduced the amount to 10,000 dollars and finally he spoke to his supervisor and we agreed and settle the debt for $ 7,700 dollars. I rushed and sent the 7,700 through western Union in order to obtain my car tittle. on 2/24/2011.
On 2/26/2011 Americredt agent said over the phone that he will no send the tittle until the entire amount be paid off. Americredt is lying to , fooling me and demonstrating a severe lack respect for its customer. The customer services agents are Owfull, no regard for customercustomer and abusive
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leet60 on 02/26/2011:
Take care with this "offer" they made to you. By reducing the amount owed to $7700.00 they are then required by the IRS to issue you another 1099 for the amount forgiven.
saj80 on 02/28/2011:
Americredit took a loss of $13,000 on you, and you are accusing them of lack of respect?
momsey on 02/28/2011:
Do you have anything in writing about the offer that was agreed upon?
Anonymous on 02/28/2011:
I am lost and confused.

Americredit reported the $13+k as a loss but you reported it as income..and this was for a car loan?

On 2/24, you called Americredit and were told the debt was paid off, but then ended up settling for $7700?

And finally, since you're trying to get a lien free title for your vehicle, am I to assume that the car has remained in your possession this entire time?

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Americredit is shady
Posted by on
FORT WORTH, TEXAS -- Americredit is the most low ball finance company ever!! They waited until I was 56 payments into a 60 month loan with only 2,000 dollars left on my balance to re po my car. I went pick it up three days later, and paid it off but they won't remove the repo from my credit. I bought the car in 2001 and paid it off in full in 2007, but they won't remove the repo from my credit even though I own the title the car is mine and has been paid off for four years.
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tnchuck100 on 02/05/2011:
How many payments were you behind? If you were 3 payments behind they are very likely to repo the car. Since there WAS a repo it WILL stay on your credit report for 7 years. That's just the way it works.
Anonymous on 02/05/2011:
If you are late, you are late. Regardless of how much left you owe on the car. You're lucky they let you pay it off and keep the car, they could have kept the car and all your money and you would be SOL.
jktshff1 on 02/05/2011:
You can file a "comment" contesting the report or giving you side of the story on your credit report.
Obsfucation on 02/05/2011:
They had to chase you for the payments. You were so delinquent that they incurred the expense of repossessing the car. Now you think that they should pretend that none of that ever happened?
tnchuck100 on 02/05/2011:
Prince, just for the record when a car is repo'd the finance company sells it and you are entitled to any monies left after the payoff and repo fees. You may have to sue for it but you ARE entitled to it.
Obsfucation on 02/05/2011:
They rarely sell for more than the balance of the loan, and the borrower is still liable for any deficiency.
Anonymous on 02/05/2011:
oh okay. never had a repo so I don't really know all the legalities.
tnchuck100 on 02/05/2011:
Obs, that is also true.
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Be Careful of leasing with Americredit
Posted by on
WILLIAMSVILLE, NEW YORK -- I leased a 2008 Kia Sorento from Americredit and until the end of the lease I had no problems with the company. It was when I went to return it the fun began. They sent out a company called datascan to inspect the vehicle before I could take it back to the dealership. This company is horrible to deal with too but the real problem is Americredit. I received a statement via e-mail that they were not only expecting me to pay a $300n end of lease fee which I have no problem with but excessive wear and tear charges to the vehicle which is crazy!! I seriously dare anyone to return their vehicle without any scratches to the car. If you park in any parking lot ever you will eventually have scratches on the car. They want to charge me for an oil change which I still have like 1500 miles left to go before that is to occur. All bogus charges and normal wear and tear to the vehicle. The company just wants to punish consumers for not buying the car and take as much money as possible from them. I know that they are not going to do any of the "repairs" to the car because they told me the car is going to go to auction. Insane, I have called to complain to them and the BBB and even filed a complaint with Kia itself. Do not do business with this company ever they will take you for an arm and leg and whatever else they think they can get from you!!
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Skye on 01/17/2011:
Why did they want you to pay an extra $300.00? As for the wear and tear, you received the car scratch free, it's only fair you return it in the same condition you received it.

As for the oil change charge, what does your leasing agreement say about this?
melissajaf on 01/17/2011:
Lease agreement says car needs to be inspectable and in working order which it is. Try to go on any car lot and find a used car that doesn't have any scratches on it. Are you for real thinking that after 3 years of use that things out of your control causing scratches don't happen. If you buy a brand new car off the lot it has not been anywhere except the lot there for it should not have any scratched. You sound as crazy as Ameri-credit do you work for them?
madconsumer on 01/17/2011:
I have leased 4 vehicles. each time I have returned it, I had to clean it, and give it a good polishing. as far as wear and tear, make sure to get pictures before you turn iot in, and make sure to sign off on it when you give them the keys. I have heard some people say they did not sign off on the vehicle, and were charged huge fees like you.

very helpful.
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The Worst Ever
Posted by on
ARLINGTON, TEXAS -- I don't know where to start, Got this gas guzzler in 2006 and it has been a burden on my back every since. Fell behind in payments in May of last year and after making a payment arrangement for a late payment a get visitor at home with the vehicle already on the tow truck, now mind you I live in MD and they used a collection agent which was in PA( a lot of sense that makes)who in turn repossessed the truck and towed it over 100 miles from where I live, OK after much debate and borrowing I came up with the $2272 to get the vehicle back got a ride to pick it up and now a little over a year later after losing my job and sinking every penny I'm making at a part time job into keeping the truck and paying the $616 a month note, they call me and say no more deferments( which by the way added another year onto the note)the loan is not worth them keeping it open. By now I find out after paying $616 a month for over 4 yrs I still owe well over $20,000 on this gas monster!! Are you serious? So these SOB's arrange to pick the truck up on Thanksgiving Day!!! are you kidding me?? So I talked them into picking it up on the Saturday after the holiday and what do they do? use the sleaziest towing company in Baltimore City as a towing agent, and sneak in on Friday morning and drag the vehicle away with my tags still on the truck, and then want to charge me $100 to get the tags off the truck!!! Not Happening!!! Dealing with these people has been a nightmare the last 4 yrs, there has to be something that we the consumer can do to protect ourselves. I know they are coming after me for the 23,480 that they say I owe now after repo. Any advice or help would be greatly appreciated I'm at with's end.
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Weedwhacked on 12/10/2010:
I also had to use Americredit for a car loan when my car broke down. Their rates are high but you need to remember that you agreed to their terms when you accepted their finance deal. They don't care about anything except getting paid.
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Posted by on
801 CHERRY STREET, SUITE 3500, TEXAS -- This company financing practices must be stopped. So many people like myself were told by the dealer (Lincoln Mercury in my case) upon the purchase of a car that you sign for this 19% interest rate loan and after 1 year you can refinance. First big mistake!!! Buyers please be aware, that you will be stuck with that automobile until it is paid for. My payment is 430.00 a month and over $3,000.00 of the my money paid for one year was interest only. Only $1,700.00 went toward the principle. There are so many hidden charges with this company. I can't see this being fair business practices. Once this happens to the right person then there is no help for people like me that are being robed legally. God did not mean for us to be taken advantage of like this but we must learn from our mistakes. If I could suit the dealer that lead me in this direction I would, unfortunately they are out of business. I've have several automobiles financed and some with higher interest rates but never in a situation like this. I'm over $6,000 dollar upside down and this has never ever happen to me before.

There should not be anymore signed contracts until a representative from these companies make it clear what you are getting your self in before you sign the dotted line. Some of us would be in a better financial status if there were not financial institution like Americredit setting you up for the kill. I'm believing God for an answer. My credit is pretty good but I can't get anyone to touch this loan because of the value of the car and what the payoff is. Buyer Please BEWARE!!!
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Critical_level2 on 01/05/2010:
Why would you ever agree to a 19% interest loan? Sounds like either you had extremely bad credit, you weren't paying attention and signed whatever they gave you, or you didn't shop around for the best rate.

I would suggest calling around to a few banks and such to see if you could get a lower rate and refinance with them.
dreamcruz on 03/28/2010:
Is it possible to make double and triple payments in advance to cancel out the interest part of the loan? If so would you save money and pay the car off sooner? I believe I have a out on my auto loan with them being they are harassing me about the verification of employment. I plan on writing a full review tomorrow.
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