My girlfriend in Las Vegas fell a couple months behind on car payments to Americredit. She contacted them to make some type of payment arrangement to keep car from being repossessed. They (Americredit office personnel) agreed to accept a payment from her by Wednesday of that week. On Tuesday of that week she stopped at her home in between errands for less than five minutes and in that brief time her car was towed. The tow truck drivers did not want to hear anything about a payment arrangement that had already been made with the home office. After towing her car, Americredit sent her a letter that her car was going to be towed to New Jersey for a car auction. She will be charged all towing miles from Las Vegas to New Jersey, amounting to several thousand dollars. And they are adding storage fees and other fees to that. This company is a rip off and they do not honor their word. If you cannot honor your word, then you have no honor. Instead of working with their customers in these difficult, economic times they make matters worse. I recommend that no consumer should get involved with Americredit. If you do, proceed at your own risk as you have been warned!!!

I have two auto loans with Americredit. My first complaint is that I cannot trust them to credit a check by mail in a timely manner...therefore I do not know WHEN to mail them a check. If I mail the check 7 days before my due date it is like playing russian roulette, it may get there by the due date and if it is before the due date they process it immediately (I LIVE PAYCHECK TO PAYCHECK AND CAN'T HAVE THAT HAPPEN); OR it gets there late and they tack a late charge on it even if it was only 2 or 3 days past the due date. IF I pay by phone or online I am charged a $5.00 fee. They are constantly charging me more than I owe them EVERY TIME.

Second Complaint: When I purchased the second car they made my due date on the 15th (I bought the car on the 18th so they back dated the loan)...I told them I couldn't make payments on that day and asked them to please make it the same day as my other car loan. They refused and have now created an extreme hardship on me, it is like they are setting me up for failure.

They are rude and unhelpful on the phone. Something needs to be done about this company and their underhanded ways of charging more money than is owed.

I am from Compton, Ca. I purchased a Hyundai 2007, brand new car, on Feb. 21, 2007 from a dealership near I lived. The MSRP is for approximately 12500. I was not even given a rebate. The dealership gave me a brand new car which I didn't intend to trade in my Chevrolet Cavalier. The Cavalier was still under warranty when the dealership offered a new car to me instead of fixing it under the warranty. I needed a car because of job purposes. Oftentimes, my job requires me to go 120 miles distant in one day depending on the job contract. Not to mention that I needed to go there very early morning. I was already paying $326.76 for approximately 43 months. Off course, that is their business, they included
a late fee which added to my monthly payments. On February 3, 2011, I made an agreeable payment arrangement to pay $175, that is the remaining monthly balance for the month of January. They said that I was in default that is why they repossessed my Hyundai Accent. I didnt want to argue by telephone because that is just a waste of time for me to do when I told them that I did not have $715 to reinstate my car which they told me the only way that I can have my car back is to have paid that amount of $715. I do believe in good judgement not based of anything beyond the subject. The subject that my car Hyundai was suppossed to be mine and yet they took it and wrongfully repossessed. I was the ONLY one paying my car for my own under my own name. No lender paid, not even a dealership, had paid a single penny for the monthly payments. I want to be involved in this class action lawsuit against Americredit because their unfair judgment under their establishment failed to give me a fair consideration after paying them for 43 months and WRONGFUL REPOSSESSION.

This company has the highest interest rate and no programs in place that can reduce your payment! they call my home at least 4 times a day along with a message in my e-mail . they should have some type of loan payment program for a 7 year old vehicle. all that they want is a payment. i have been paying on this loan for 5 years and the loan amount is outrageous!!!The repeated calling is almost harrassing! they even call the individual that you have listed as a reference. there should be a program that can catch up payments and satisfy the loan amount!

Oh my what did we get into!! We have a six year loan (paid on it for 3 years now) and still can't figure out why we did this to ourselves. My hubby is military (no I am not looking for special privileges) and has had nothing but harrassment from this company since day one. For the first year we were late twice so with our taxes the next year we called and ask for the late fee amount and paid it. Somehow the fee's are still on our account til this day even after many repeat calls to them to take it off. Now we are behind two payments due to loosing my mother (travel expenses and her funeral) and having a government garnishment. We cannot afford all our bills and groceries (we all have hard times so dont pretend everyone is perfect and pays everything on time). I have called them after 20 calls per day and told them we will pay what we can towards the account but cannot make a full payment til after January (tax season). The rep I spoked to agreed and seemed to understand. Not 24 hours later the manager calls me and hounds me. Tells me I need to give him all this personal info and give a checking account number with check so they can take the payments out of our account. What dont they understand we have no money.I will not give out account info for them to cause us a returned check fee. I will make sure their is food for my children before making a van payment. I felt like I was phone raped (if ever a phrase) by this manager. He made me feel like I was not trying hard enough or making excuses not to pay him. First off we are paying on it, just not a full payment. Second I do not appreciate them calling me 20 times a day and then when I do answer they want other phone numbers since I cannot answer my phone. Well if they would just make notes on the account then I wouldnt have to repeat myself 20 times a day to every rep that calls me. I dont like the idea that we make $300 payments and only like $50 goes towards the actual van, the rest is interest. I should have investigated this company before using them. I think them reposing the van is better than the constant calls. Also since when should we be charged more money to make a payment. We are already paying the bill so why charge us to make the payment, $5 here for check by phone, $10 for western union, etc. Thats like a rip off I think. I dont want to be charged to make a payment. You should be rewarded for making it not charged more.