I had a 800 dollar a month payment and got hit hard when the mortgage market crashed I struggled to make my payments and made arrangements with them. They had my car repo'ed on a sunday when there was no one to call at their offices and took my car and wanted 3000 dollars to get it back. I could afford the full payment going forward cause I had to change jobs for less pay, I requested a loan mod to a payment I could afford and they said no. Now I'm in collections for 400 dollars a month till the 20k is paid off and my collection amount is something I offered them to keep the car. I lost my job cause I could commute to it, and now I'm Unemployed and looking for work in a down economy.

So to clarify please can I make 450 dollar payments till my loan is paid off instead of 800 Answer NO!!

But we are willing to take your car and have your wages garnished for 400 till your balance is paid off. WTF!!!

They will not work with you on financing, terms, interest, anything. If you are one day late, they call you every day, sometimes more than once, until you give a payment arrangement. I've asked for a breakdown of finance charges toward each payment for a year now b/c the loan isn't going down, and yet to get it after several attempts. WE NEED A CLASS ACTION ON THIS COMPANY. If there is a lawyer who will file suit you have tons of complaints here! Just the fact you cannot get an explanation of your finance charges applied toward payments tells you something.

I am a current customer and I must tell everyone that uses this company to just be prepared should you a few days late. Ex: My payment is due on the 5th, and I have a 10 day grace period after that date until I am actually late. The constant computerized calls start about on the 8th or 9th of the month, (3-4 days after due date) before I've even meet my deadline on the grace period. Then when I do call to try and let them know my situation, they tell me that they'll make note of it, but they cannot stop the computerized calls. And the computerized calls tells you to call? Huh? Why both. I would never ever use this company again, and I certainly would not referred anyone to them.

I financed a car through this company. I abought another car and financied it through another source. I forgot to cancel the automatic payment. The dealer paid off the car 5-20. Americredit sent the dealer the title about two weeks later, but has not refunded my money. They claim they want to make sure the dealer's check clears. I was never late on my payments. This company is dishonest and takes advantage of the little person. They did not mess with the big auto dealer, which is one of the largest in my state. I do not recommend this company.

I opened a loan with Americredit 3/19/2008 for 22, 318.90 with a monthly payment of 517.00 for 72 months on a 2007 Chrysler Pacifica. I have nothing but trouble from the onset with this company. They post payments late then they charge you the late fees that never seem to come off of your account. I recently acquired a copy of my credit report and found that I have 12 months straight of late payments with Americredit a few times even showing 60 days delinquent. I am no Einstein, but I know that any other finance company would have reposessed their property by now. The truth is I have not paid my note on time every month, but I have made every payment everytime, and never -ever -ever missed 2 consecutive payments. I have paid $700, $800, $661, so on and so forth to makesure that my payments were sufficient to satisfy my debtors. These people are just evil and the consisitenly violate the laws regarding fair debt collecting. They have called my home 4 times in a day then my cell 2 times and even my job phone several times in that same day. The law allows for 2 calls if I am not mistaken. They harrass their clients ungodly. I recently checked my statement online and discovered that I owe another $158.60 late fee for my February payment. Here is the catch thought today is February 2 my payment is not due until the 15th does anyone else see a problem with this, and my account is current with no payments outstanding. I swear they are just making this stuff up, I have problem paying when I owe something but I believe they are trying to charge people for phantom occurrances to keep them in these over interest, over blown loans. I have paid over $11, 000 in payments but I still owe $19, 000 on a loan that was opened 2 years ago for 22, 000. That my friends makes no mathmatical sense. I can only deduce that I have paid $8, 000 in interest. In other words if they were to reposess my auto today they would have made their interest on the loan and retaken the auto, then sent it to auction, made some more on it at aution, and then sent me a bill for the difference of what the auto got at auction versus what was left on the loan, and this is legal, are you freaking kidding me. I believe a class action Lawsuit is in order, as individuals we do not have the power to fight these kinds of financial rapists and they know it, but as hundreds or thousands of angry well organized and well represented Americans we can hit these offenders in the only place they will feel and understand it; their wallets.