Complaints

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:06/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  This month, I discovered an auto loan account reported under the name AUTOMOTIVE CREDIT CORP, opened on May 21, 2022, with a balance of $15,264, that I do not recognize. I believe this account is fraudulent and may be the result of identity theft. I respectfully request that this account be reviewed and removed from my credit report if confirmed to be unauthorized.

  Business Response

  Date: 06/17/2025

  *** has reviewed the documentation provided by Mr. ****** and does not believe this to be true identity theft but rather a situation where this individual has a repossession and wants it removed from his credit report.  I reviewed the credit application received which reflects the same full name and date of birth, along with the driver's license of our customer which is the same photo in the driver's license provided by the individual filing this complaint.   ACC had numerous conversations with our customer who would call in from the phone number of ************ which is the same phone number that the individual filing this complaint lists as well.    ACC received payments for over a year which is also not typical for an identity theft situation.

  Again, *** believes this individual is claiming identity theft in an effort to have this negative reporting of a repossession and charge off removed from his credit report.

   

• Initial Complaint

  Date:05/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  Financed a vehicle through Automotive credit in July 2023 for $11,123.00. Had on time payments every month till February 2025 when my husband was in an accident causing the opposite driver to total our vehicle. The opposite drivers insurance paid over $9,000 (paid very quickly) while our gab insurance paid over $700 . This process took them a few weeks from ************* where during that time Automotive Credit racked me up late payments. By the time GAP paid their part, we were left to pay $384.00. The week of 4/14 I spoke to a representative letting them know Id try to pay remaining balance on 4/23 (we had to buy finance another car immediately after this one was totaled putting us tight on money, plus we have 3 kids). On 4/23 I paid $100 so at least part of it was paid. On 4/30, I logged onto customer portal to pay remaining $284.00 where it stated I owed a balance of $0.00. I called customer service to ask about this and the man on the phone confirmed everything was paid and I owed nothing more (their phone lines are recorded). I was shocked but happy and moved on. Today 5/12, I check credit karma and it says I have a outstanding balance of $313.00 with Automotive credit, confused I called customer service and they said they sent the $313.00 to a collection agency where now I will have to pay them even more than originally. I asked for receipts and some sort of documentation stating they sent me to the other company and said they could only send me my payment history. I read their customer reviews and it seems many more people have had this same issue. Im very shocked a company could be so unfair. Were not rich people. We tried to do everything right by this company. Personally it doesnt seem right.

  Business Response

  Date: 05/14/2025

  On February 26, 2025 *** was notified by the customer that she had an insurance claim pending.  She followed up with a call to *** on February 27 where *** advised her the payments still need to be made until the insurance payment is received.  On March 11, 2025 the customer again stated she was waiting on the insurance to pay.  ACC told her that pursuant to the terms of her installment contract, payments must be made to maintain her account as current.  On March 17, 2025 *** received the check from the insurance company, and on March 18, 2025 *** advised the customer that there is still a balance but the *** claim was in process.  *** continued calls to the customer to get payments while the claim was pending and on April 10, 2025 she indicated she wasn't paying anything and was waiting for the *** claim to pay and clear the balance that is due.  It was explained that the account was 55 days past due.  Customer authorized a conversation with her husband ****, and **** accused *** of stealing money.  It was explained that the terms of the installment contract require payments to ensure compliance with the contract.  The next day, ACC talked to the customer again and explained that there could be a balance after the *** claim is paid, and customer states she would not pay until she received a payment history.  On April 28, 2025 a letter explaining that an insurance deficiency balance still remained due on the account.  

  The explanation to Ms. ***** about the impact of not making contractual payments was very clear.  The balance that remained from the insurance deficiency was charged off and Ms. ***** can contact ******* ******* & Associates to make arrangements on the balance due.

  Customer Answer

  Date: 05/14/2025

   
  Complaint: 23318566
  
  I am rejecting this response because: ACC received around $10,000 way prior to the loan being completed while still charging us late payments, then when I called to pay the final amount on 4/30/24, I was told by their customer service *** that the loan was paid off and completed and there was no further action for me( their lines are recorded) I not only checked online but called to confirm. I was and have been more than willing to pay the remaining amount to get this company off my credit but they charged off my account sending me to collections and refused to send me a updated payment history and documentation stating I am done with *** and everything has been sent to this other company. I need documentation of everything from *** but yet they have refused. I will pay the other company, but overall how this company treats their customers is wrong and should be addressed. I need full documentation stating my account with *** is closed and full payment history with balances. It is wrong that *** is refusing also to provide me with this information/documentation. We paid on time throughout our loan. It was not until the car was totaled and insurance and gap took over for the remaining balance because the car was totaled and made *** aware of this. I never refused to pay *** the remaining balance and yet still found it upon themselves to send me to collections without telling me, until I saw it on my credit ***ort and called to ask what was going on thinking everything was good to go.
  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 05/15/2025

  Ms. ***** had contacted *** on April 11, 2025 and requested a payment history.  This history was mailed to her on April 14, 2025.  It has been explained to Ms. ***** that a balance would be due, and Ms. ***** made a partial payment on April 23, 2025.  On April 28, 2025 a letter explaining a deficiency balance was still due was sent.  ***'s business decision to refer an account to a collection agency is an operational decision.  Ms. ***** can communicate with the agency to make arrangements to pay the remaining balance due.  *** reiterates that Ms. ***** was consistently told that she needed to continue to make her contractual payments while waiting for the insurance and GAP claims to be processed, but she refused.

  Customer Answer

  Date: 05/15/2025

   
  Complaint: 23318566
  
  I am rejecting this response because: I need an updated payment history (updated as of 5/15/25) sent to my address along with stating remaining balance due to *** or any documentation stating my balance is closed with *** and sent to ******* ******* & Associates for me to pay remaining balance. Again, I am not rejecting that I owe this money and not only had tried to pay it but will pay it to ******* ******* & Associates. I need documentation from *** stating my account is closed. I need it in writing and sent to me. Im not understand why I cant have documentation my account has been closed through ***. I was a customer and deserve the documentation from my account stating it is closed, account was charged off, whichever.
  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 05/20/2025

  The account has been placed with ******* ******* & Associates as previously indicated.  Ms. ***** has requested validation of the debt by asking for clarification on the balance due, and on May 16, 2025 ******* ******* & Associates responded to her validation request.

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23318566
  
  I am rejecting this response because: As previously indicated, I have not received anything from the debt collector and have asked ACC/you now multiple times for documentation from *** with updated remaining balance and updated past payments- not from the debt collector but from the actual ***. Payments history of everything *** paid *** including remaining balance. Again, Im not sure why this is so difficult to apprehend. It is documentation, from my file, with your company. There should be updated documentation that can be sent over for my own records from *** and not relying on the debt collector for my documentation/files. 
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  On February 23rd, my vehicle, which was financed by this company for $10,000, was hit by an accident. My ********************* company declared it a total loss, and they paid this company $6,022. I have called repeatedly to make the *** payment effective. To this day, there has been no response. The problem is that they are still charging me the vehicle fee, which is affecting my credit score.

  Business Response

  Date: 05/09/2025

  On April 7, 2025, *** received the insurance check from Progressive for $6,020.44 .  It was applied to the balance due and the customer was informed that she had to make any contractual payments that were due until the *** claim was paid.  The claim was in process and documents were uploaded to Allied on April 9, 2025.  *** received notice from Allied that the *** claim was approved for $4,001.81 on May 5, 2025 and the funds were received from Allied on May 7, 2025 and applied to the customer's account.  

  There is a remaining amount due of $395.55 which must be paid by the customer to resolve the balance due.

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  The balance and the amount paid are not matching Im being charged for insurance which has my account delinquent after I have uploaded proof Im not allowed to make a online account to view my full account and charges My car was repo for amount I did not owe They call all day with different amounts I owe billing me for made up charges I have several recording where they are making up charges

  Business Response

  Date: 04/22/2025

  *** staff has attempted on multiple occasions recently (April 15 and April 19) to explain and review Ms. ****** payment history with her.  ACC also mailed her a copy of her payment history on April 16.  In a call on April 11, 2025, it was explained to Ms. ***** that she was 45 days past due owing $1,176.50.  She argued that when she redeemed in January (after her vehicle was repossessed due to delinquency in her contract) this should have brought her current.  She was quoted an estimate of $2,667 to get her vehicle returned, and she countered with $800.  She ended up paying $1,550 to get her vehicle back with an understanding she still needed to bring her account current but ACC was reducing the amount to pay to redeem as an offer of assistance to her financially.  There were repossession costs of $765 that were paid when Ms. ***** paid her $1,550 to get her vehicle returned. 

  Ms. ***** continues to become irate on the phone with our customer service staff, threatens with an attorney and interrupts the staff when trying to explain to her why her account is delinquent and what is necessary to bring her account current.  She paid her contractual payment of $295.30 on February 26, 2025 but then did not pay in March for her next payment when it was due.  On April 19, 2025 she paid $100 which is only 1/3 of her contractual payment.  

  At this time, Ms. ***** is 56 days past due with her contractual obligation.  

   

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23235301
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:04/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  My car was repossessed and I was given a notice on April 11th, 2025 that I had 15 days to pay and/or collect my things before my vehicle was suppose to be sent to auction. I filed for Chapter 13 bankruptcy on April 16th. On April 17th, this company sent my vehicle to auction keeping my belongings and my license plate. My ************************ has sent them the proper documents for release and to even their surprise, the car was in transport.Under 362(a)(3), your lien holder cannot auction, sell, or otherwise dispose of the vehicle without getting court permission, because doing so would be exercising control over property of the estate.

  Business Response

  Date: 04/22/2025

  *** was notified of Mr. ***** bankruptcy on April 17 at 11:04 am.  By 12pm (less than an hour later), we contacted the agent to advise of the bankruptcy and to release the vehicle.  Mr. ***** had contacted the agent to get his belongings but the vehicle was transported a half hour earlier to the auction.  We immediately placed a call to the auction to advise to release the vehicle.  It is our understanding by 9am on April 18, Mr. ***** had his vehicle returned.

  ACC acted as swiftly as it could to respond to Mr. ***** bankruptcy filing.

• Initial Complaint

  Date:02/14/2025

  Type:Product Issues
  Status:

  AnsweredMore 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.

  Hey there, Im supposed to be issued a refund for my ************* since Ive refinanced my vehicle with another company. They wont give me a time or date as to when Ill receive my check that im entitled to. Ive fought with them over the phone for two weeks now with no update. Im supposed to be issued this check with $600+ and their customer service are seeming to avoid my emails regarding this cancellation of GAP coverage. I would like to expedite this process and thats why Im writing this note. My name is ****** January and my account number with them is ******* and this is a refund for my 2013 **** Mustang

  Customer Answer

  Date: 02/19/2025

  
  I was issued a GAP refund of $230.19, however, I never had to use my insurance for a claim, so I should've been issued a refund of $590 which is the total amount I paid for gap when I financed my vehicle.

  Business Response

  Date: 02/20/2025

  Mr. ******* has received his refund in the amount of $230.19 as evidenced by a copy of the check that he provided in his complaint ID ********.  He is requesting a full refund of the full amount of the *** coverage that was paid, and the amount that was returned to him based on a pro rata refund since he executed his contract on February 23, 2022 and paid his contract on ******* 20, 2025 which was almost 36 months into the 66 month term.  

• Initial Complaint

  Date:12/23/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore 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 am unableto register my account on their website. And customer service is not helping at all. A 100% of my paymens are going towards interest after over a year of payment. Im not asking for an email of payments made. I want to look ***** account on line like every other business i pay money to.

  Business Response

  Date: 01/03/2025

  On December 23, 2024, our customer service staff attempted to assist Ms. ******* with her profile to make online payments.  On December 24, 2024, Ms. ******* stated she received a confirmation for the payment made, and asked for an explanation as she thought there was a deferment in place.  It was explained that the payment made on 12/23/2024 went towards November.  As a courtesy we did waive a late fee that was incurred.  It should be noted that the payment that was made on January 2, 2025 covered December and the next payment is due on January 22, 2025.  This is a simple interest contract, and as payments are made the principal amount will decrease and more of the principal will be paid down with each payment.

• Initial Complaint

  Date:11/04/2024

  Type:Order Issues
  Status:

  AnsweredMore 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 do not have a contract with this company; I was not provided with a contract.

  Business Response

  Date: 11/05/2024

  Mr. ******* indicates in his Customer Review that he filed that he was upset about the insurance coverage on his truck, and that he was required to maintain full coverage on the vehicle.  This complaint from the same person states that he does not know if he has a contract with us?  I would like to confirm that Mr. ******* has identified the proper party either in his Customer Review or in this complaint.  

  Customer Answer

  Date: 11/05/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below: my credit history is wrecked because of this matter and no one has tried to show any kind of support or compassion empathy towards what took place its were is my money oh you dont have it ok we will continue to s**** you no matter what what about the 12 k or over 12k I paid towards the truck and for some strange reason it has never left 21k what I paid for it I want this off my credit this is absurd 
  
  [You must provide details of why you are not satisfied with this resolution. Please type details here:]
  
  Regards,
  
  ****** *******

• Initial Complaint

  Date:05/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  Im not liable for this debt automotive credit corp. I do not have a contract with automotive credit corp. They did not provide me with the original was requested.

  Business Response

  Date: 05/21/2024

  ******************************* executed an installment contract on March 14, 2017 for the purchase of a 2008 ****** Maxima.  He defaulted on the contract and the vehicle was repossessed and sold.  A deficiency balance remained.  The account was sold to Autovest, L.L.C. and then referred to ***************************** & Associates and after they were unsuccessful with collection efforts, the account was referred to ****** & Associates.  They filed suit in November 2020 and obtained a judgment against ************ on February 3, 2022.  The law firm has filed wage garnishments related to this debt.  If ************ wishes to make payment arrangements on the balance due, he can contact ***************************** & Associates at ************.

• Initial Complaint

  Date:04/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  Correction to my credit report I demand this account be removed from credit report

  Business Response

  Date: 04/23/2024

  A search was conducted by name, by address, by phone number and by email, and I cannot locate this customer in our active records.  Can you please provide a social security number, date of birth or account number so that we may locate this individual?