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Business Profile

Loans

Auto Loan Acceptance Corp
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BBB Accredited BusinessA+Rated by BBB

Complaints

Customer Complaints Summary

  • 5 total complaints in the last 3 years.
  • 1 complaint closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:12/17/2024

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hello I'd like to start off my daughter ******** purchased a 2019 nissan versa from wheel city in rapid city however she failed to keep up payments on the car and made no attempts to pay the loan from auto loan acceptance so I made the decision to take over payments with the understanding that the car would be mine my daughter was ok with this she was over 30 days past due ******** authorized me on the account so I could obtain information and payments I called auto loan acceptance December 9th to let them know I would be paying on the car and to set up payment plan **** I spoke with was very helpful and this complaint has nothing to to with her she is very helpful and great customer service as stated I spoke to **** about working out a payment plan but she informed me she would need to speak to her supervisor to see what could be done the morning of December 10th I went outside and found the car missing I called auto loan acceptance immediately and found out they repossessed after speaking to them they tacked on almost 400 dollars on for repossession fees I feel I should not be responsible for this as I was in contact with auto loan acceptance prior to the car being taken I understand my daughter was behind but as I'm taking over on the car and payments will be kepted as promised I feel auto loan acceptance should wave the repossession fees and as stated before I was in contact prior to the repossession thank you

    Business Response

    Date: 12/20/2024

    In the spirit of excellent customer service Auto Loan Acceptance Corp has agreed to waive the repossession fee. If there are any other questions or concerns, please feel free to contact us at ************. Thank you.

    Customer Answer

    Date: 12/20/2024



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



    ******* *****

    Business Response

    Date: 04/21/2025

    We have been in contact with ******* and believe this issue to be resolved. 

  • Initial Complaint

    Date:09/14/2023

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hello we recently got a car from wheel city an auto loan acceptance approved the loan after 3-4 months of making payments we came into a hard time losing pur house we knew we would get behind so we contacted them let them know ad tried to pay the 1 late payment and they refused to let us pay so we contacted a lawyer and he said try and to pay it again cause we can't do bankruptcy as that is pur only debt so we tried 3 more times and they have refused and said to get pur family or friends to pay for it and that if we don't have a place to live then we could afford it and before thy hung up on me they said they was coming to get the car

    Business Response

    Date: 09/15/2023

    ** ********* purchased a vehicle from ***** **** on June 19th, 2020, it was financed with Auto Loan Acceptance Corporation(ALAC). The vehicle was repossessed on January 9th, 2023 and sold at auction, the proceeds were applied to ** *********** account, there is a deficiency balance remaining. If ** ********* would like to clear up that balance we encourage her to call ALAC at *************** Thank you.

    Business Response

    Date: 09/21/2023

    We didn't know from the initial complaint that ****** was referring to an account under someone else's name. ****** ******** purchased a vehicle from ***** **** **** on August 2nd, 2022 and it was financed with Auto Loan Acceptance Corp (ALAC). ALAC has not received any payments from *** ******** since June 3rd, 2023, and have not been able to get in contact with her since July 5th, 2023. ALAC never refused payments from *** ********, rather requested documentation showing a short paycheck or other reason she was unable to pay. We encourage *** ******** to contact ALAC as soon as possible at 800-584-9292 to make arrangements to bring her account current. Thank you. 

    Customer Answer

    Date: 09/21/2023



    Better Business Bureau:


    We explained to them everything that was going on and we have sent multiple paychecks to them worked at the same place same paystubs and we explained that we lost pur house they said since we don't have to pay rent then we have the funds so I explained I am waiting for money to come back from places we have applied for so ****** transferred her to ****** so we explained it to ****** and everything and she said no we are coming to get the car and this after the 3rd time of us trying to pay for the car we tried to pay in full they didn't want it 

    Sincerely,



    ****** *********

  • Initial Complaint

    Date:01/27/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I hit a deer with my ***** on October 30,2022. I signed the car over to my insurance the first week of November. I had purchased GAP insurance also. The GAP insurance states that it pays all insurance does not including my deductible( up to $****). My deductible was $****. I have paperwork stating this. Now they have been harassing everyday wanting $****. I told them many times what the insurance states. I even called the GAP ins company twice to verify this. Now without authorization they took 2 deductions from my checking account totaling $***. They had my debit card on file for my monthly car payments which ended the first part of November. I want my money back ASAP! I need it for my rent. They took my money without my consent. I found out by checking on my account this morning! Please help me with this. * ** ****** ** **** ******** ** ********* They illegally took my money. Thank you! I will get a lawyer involved. Look at your gap insurance paperwork as that is what it says.

    Business Response

    Date: 02/02/2023

    We have received Ms ******* complaint, are investigating it thoroughly, and are in communication with the GAP company to come to a quick resolution. If Ms ****** has any immediate concerns, we encourage her to call Chris * at ************.

    Customer Answer

    Date: 02/03/2023

    (The consumer indicated he/she DID NOT accept the response from the business.)

    They have said nothing about resolving this issue. I will call that phone number but they fail to resolve it yet. They need to get my money back in my account until this can be figured out. Thank you.

    Business Response

    Date: 02/06/2023

    We have been in response with the GAP company concerning Claim# ****** for Tyra, and have discovered there will be no GAP payout. Although there is a balance remaining, in the spirit of excellent customer service ALAC has made the decision to consider the account settled, with no further monies owed. If there is any further questions or concerns, please contact Chris at ************.

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