Complaints

This profile includes complaints for Automobile Acceptance Corp's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Automobile Acceptance Corp

  1400 State Ave Kansas City, KS 66102-4316

• 

  Automobile Acceptance Corp

  1212 Minnesota Ave Kansas City, KS 66102-4457

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.

• Initial Complaint

  Date:09/30/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 was a co signer for a vehicle back in 2015 where the vehicle returned to the business's mechanic shop for 3 weeks because the warranty was still active they took the car in and was released 3 days before the payment was due. The new purchaser gave the first monthly payment and returned with the vehicle 2 days later informing the shop that the vehicle broke down and left them stranded, they then said the warranty had expired a day ago and couldn't do nothing about it. The vehicle was never fixed from the start the warranty still had one day in effect and they said they will charge for towing and any additional fixing they did. I asked for proof of parts from the first time in the shop, proof of fixes and information and it was never given to us on the contrary they never provided paper work and said they will keep the vehicle and report it to the Credit Bureaus. I tried contacting several times and coming to an agreement with the owner at the time and I always got rejected and not only did they report my credit once but I have duplicate reports from the same collections.

  Business Response

  Date: 11/03/2022

  Ms. ******* did cosign for a vehicle purchased 6/1/15.  ****** ****** was the dealership, Automobile Acceptance was the lender, and these 2 companies are affiliated but to be clear ****** ****** does not report to credit bureaus, Automobile Acceptance does.  And tho she filed the complaint against ****** ******, it technically should be with Automobile Acceptance, however I can still respond for the company since I work for both.  The complaint is a little hard to understand and navigate but I tried to address all aspects of it. 
  
  The customers had some repairs done to the car on 11/30/15 at our affiliated repair shop in the amount of $169.14, that our company financed for them.  When she talks about the warranty still being active, I think this is what she is referring too, but I’m not sure.  Because these repairs happened several years ago, the documentation is no longer stored onsite, so I cannot easily access that particular information but reading the complaint and reading the notes in the account I can determine the customer thought there was still something wrong and left the vehicle with us.  Ms. ******* also states she asked for proof of parts and fixes.  The customers were given the paperwork for the repairs at the time the work was done.  Since we financed the work, they would have had to sign that document also, and would have received a copy.  At the time the car was left with us the account was past due with their payment and they decided to not pay until they thought the car was in satisfactory condition.  Company policy states that vehicles do not go to the repair shop unless the account is current and in good standing, which was not the case here, so the car sat on the lot until they made the payment.  This policy was explained to the customers.  The customers never retrieved their car and ceased making payments, so the account became a voluntary repossession. The customers were notified by certified letter of the repossession status on December 24, 2015.  They then have 20 days to redeem the vehicle, which did not happen in this case, so the car was sold to an auction in April 2016 and the proceeds were applied to the account, leaving a balance of $7627.26. The repossession status and balance on the account were reported to the ********** and ******* credit bureaus.
  
  Ms ******* states she “tried contacting us several times and came to an agreement with the owner and I always got rejected”.  She did contact us January 22, 2021, and we agreed to take $3000 to settle the account.  This was less than half of what she owed.  We even agreed to take the amount over payments.  She never made a payment.  She contacted us again on June 15, 2021, and again we told her we would settle the account for $3000 and she could make payments.  She never made a payment.
  
  Ms. ******* also says something in the complaint about a new purchaser returning the vehicle “2 days later informing the shop the vehicle broke down”  I have no idea what she is referring to in this statement.  This car was never sold to another customer, only the primary signer and cosigner, Ms *******.
  
  Ms. ******* says in the complaint that there are duplicate reports on her credit for the same collections.  There are 2 accounts reporting to her credit, one for the vehicle and one for the repairs.
  
  We have tried to work with Ms. ******* and made a reasonable offer of settlement.  Had she paid the $3000, this account would have been closed and showed as satisfactory on her credit.  I will make the offer of $2500.00 to settle the account.  If she agrees to pay this amount, we will then close the account, show a zero balance and report the loan as satisfied. 

  Customer Answer

  Date: 11/03/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  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.
  
  
  
  
  Regards,
  
  
  
  ***** ** ** ***** *******