We paid timely on our loan, new 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 harrass 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 totalled 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'd and I had to make 2 payments NOW. My husband pulls up to the house for lunch to end up being harrassed 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 barrelling 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 himself 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 Amercredit wants to repo it, by all means they can.

americredit repossessed my car for a loan that I paid off since 2006 My car is 2001 and they also have the towing company ripping you as well

I purchased my new car the middle of August 2003. The dealership arranged financing through AmeriCredit. The first payment invoice (which provided my account number, address for sending payment, etc.) was sent to me mid-September with a payment due date of October 5. The invoice indicated this was payment #1 of 72. At the end of my contract the final payment was 1 1/2 times the original payment amount. The company has called me numerous times at work, leaving messages on a peer's voicemail. They said they didn't want me to be surprised by the final payment amount, to which I informed them they were too late. When I eventually called them (I was NOT late in making the payment/s), they informed me that my first payment was actually due SEPTEMBER 5. At that time I informed them that it was they, not I, that had neglected to give me proper information for a September 5, 2003, payment. Had they sent me a payment coupon, I would have made a payment in September. I had no alternative but to wait for them to send me the appropriate paperwork. In the past several weeks, they have called my office 3-5 times daily, always a canned message with the first part missing, never giving a name as to whom the call is for, etc.

I consider AmeriCredit to be completely unethical, and will NEVER DO BUSINESS WITH THEM AGAIN. No one can afford to accept credit/do business with a company like this that preys on its clients.

I have had a car with americredit for 3 years, My husband is in the military and he will be deploying in Sept he has also been on unemployment for a year since he came back from basic training. We got way behind on our payments and eventually realized we can't pay for it. I told americredit about 2 weeks ago I couldn't pay for it and they could come and get it. and they call me about 20 times a day from different numbers. I choose not to answer the phone because I already told them my intentions of not paying anymore because we can't afford it . well now they have went through the phone book and are calling my neighbors about my bill. the neighbors have been told they were needing to get ahold of us because my kids have been sick. or my phone was diconnected. I don't even know my neighbors phone number. Is this not illegal to contact neighbors who are not listed as refrences to talk about my bill I owe them? I owe alot of bills and this is the first time I have ever had a bill collector start calling neighbors listed in the phone book. I am looking into sueing them if this is possible someone please let me know what you think I should do, doesn't this violate hippa laws?

I have had a car with americredit for 3 years, My husband is in the military and he will be deploying in Sept he has also been on unemployment for a year since he came back from basic training. We got way behind on our payments and eventually realized we can't pay for it. I told americredit about 2 weeks ago I couldn't pay for it and they could come and get it. and they call me about 20 times a day from different numbers. I choose not to answer the phone because I already told them my intentions of not paying anymore because we can't afford it . well now they have went through the phone book and are calling my neighbors about my bill. the neighbors have been told they were needing to get ahold of us because my kids have been sick. or my phone was diconnected. I don't even know my neighbors phone number. Is this not illegal to contact neighbors who are not listed as refrences to talk about my bill I owe them? I owe alot of bills and this is the first time I have ever had a bill collector start calling neighbors listed in the phone book. I am looking into sueing them if this is possible someone please let me know what you think I should do, doesn't this violate hippa laws?