We paid timely on our loan, knew we had an awful interest rate, but kept plugging away for 3 years. A week ago we were in a horrific accident, and the car was deemed a total loss. AmeriCredit gave me 2 weeks to pay another payment on the loan, or to pay it off. Of course, the payoff was more than my actual loan total on our bill, and because of the severity of the accident, our paperwork was in our glove box, which we couldn’t get to due to the accident being far from our home, and a few children hospitalized and top priority.

Our insurance company offered a much lower payout than I owe, so I contacted AmeriCredit to see what we could do. They stated we have no gap insurance, and refused to mail me an original contract. I explained I needed to see this, and they continued to refuse my request. Our car dealer, who was a major Chevy dealer, went out of business, so that didn’t help matters. In fighting with our insurance company on the payoff, AmeriCredit began to harass us for payment or payoff. I explained that I was fighting the insurance company for them and us, in order to at the very least come out even on this loss. We had no vehicle, four small children and my husband needed back and forth to work; it wasn’t in our best interest to be almost $3, 000 in the negative on this loan, and unable to get another one for another replacement vehicle.

AmeriCredit kept on arguing they needed payment now, and I explained that was fine, however, the balance due, they’d never get; they’d be bleeding a rock, so to speak, and that once I agreed on the settlement with the insurance company, I was done. Report to credit, I don’t care at this point. AmeriCredit gave me another 10 business days to try. I also explained to them that the airbags never deployed, a failure, no doubt, and Chevy was trying to locate the vehicle to inspect the failure to settle with us, too. Our insurance company kept on pressuring me to sign the rights of the title away, get the payment to AmeriCredit, and allow them to scrap the vehicle. Every time that Chevy went to a storage site that our insurance company sent them to, the vehicle was moved. Four times now total moved. There are a lot of things that don’t add up, and I’m no expert.

My issue with Americredit is two-fold. One, they refuse me a contract copy to review the gap. Two, a month ago our balance was 11, 480. I paid $400, balance then $11.080. My payoff suddenly became $11, 494. AmeriCredit reps just start talking fast and in circles, which I explained made no sense. Our balance includes everything, how can a little over $400 be just lost?! Ugh, what a mess. They did offer me to go out and find another vehicle it had to be equal to the payoff offered by our insurance company.

The payoff was $8600. So I had to find another vehicle that was $8600 or less, had less mileage than ours did, was greater in age, and in great shape. Heh and if I did find it, I could just replace the totaled vehicle with this new one and finish the loan off. Yeah, right. So, I’d be paying in essence twice over for one vehicle, and they’d make more money. Not. I would never recommend them to anyone, even in hardship. I’ve found local buy here pay here much better to deal with than these people. You miss a payment by a day, you get anywhere from 8-10 calls a day, at home, work, wherever.

Once when we were on vacation I let AmeriCredit know that we were, and that as soon as we got home, and my husband got his paycheck, I’d call in the payment. They noted the account and agreed, it was about 2 weeks later than due. I believed this. We came home, husband went back to work, and all day long a tow truck is circling our home. I called AmeriCredit to make the payment to be told that the car was being repo’s and I had to make 2 payments now. My husband pulls up to the house for lunch to end up being harassed and threatened by the tow driver. Husband pulls into our driveway, and closes the gates, for the tow driver to begin to open the gates.

I happened to have a 200 pound mastiff I let out of the kitchen and she went barreling to the gates, and the tow driver proceeded to get into the truck, and pull out a crowbar and swing at my dog. In my yard. The fool didn’t happen to notice my husband is a police officer, and found him being escorted in a pretty flashing car from his partner pulling up and arresting the man for trespassing and attacking the dog with a weapon. What a mess. All the while the woman on the phone with me from AmeriCredit kept saying, ‘ok, give me your checking account or credit card information’. Bah.

I understand they have work to do, but when it comes to the other end of customer satisfaction as well as working with the customer on requests, it doesn’t happen. I refuse to sign anything over from the insurance company for payoff until AmeriCredit sends me the contract. Let the car rot somewhere, if AmeriCredit wants to repo it, by all means they can.