Americredit Complaint - Auto Loan Goes Sour... Never Go With Americredit For A Loan!!!
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.