We purchased a vehicle in 2004 and financed through Americredit. We made our monthly payments on time until Oct 07. We got a month behind and then picked back up and again made payments. My husband and I noticed that we had not received an invoice for quite a while but were not concerned we were making the payments and knew that we would get around to calling one day. In January 2009 we fell behind again but were going to catch back up this past Friday. Thursday a tow truck appeared in the yard and they advised me they were there for the car. I was surprised since I had not heard from AmeriCredit either by phone or mail ever. I call them only to find out they had charged off our account in 2007. Not sure what that meant since all cars I had ever heard of being taken back were repo'ed. I asked where the money that we had been paying went and they advised on the charged off debt amount. I know this sounds like I am stupid but I have never heard of an auto finance company charging off a car, allow the person to continue to pay on it and carry insurance on it. When I ask if I could do a check over the phone to bring it current she told me they needed 6300.00 or they were going to take the car. I have driven the car for over 202, 000 miles and it had seen better days so we told them to come and get it. (It actually broke down on my daughter while she was going to work that day) They then advised me that we had the option to buy the vehicle for what they appraised it at and would call me with the opportunity. Not sure I have ever heard of this. No notification in 07 that there was an issue with the account and nothing prior to coming to get it. Go figure. I will never recommend them to anyone!!!

We get up to 20 calls a day from Americredit for a loan we don't even have. We have told them that we do not have any loans through them and they still call. Today alone since 8:30am I have recieved 5 calls from them. The numbers they call from our electronic anwhich tells you a representative cannot be reached on this number. It is harrassment and they should be able to be sued for this. I'm looking into it. They call every day even after telling them that we are not the people they are trying to reach.

I am late this month on my car loan with Americredit; the next day after being late they call every hour of the day; every day even on Sundays. Yesterday they called my son and left a message for him to call them about my loan. Today another collector called leaving a full detailed message to my son about my loan. This is illegal and called third party disclosure. How awful and embarrassing.

I have been reading all of these reports about Americredit, and am relieved that I am not crazy!! 2 years ago I bought my daughter a car and the dealership put me thru this company. I should have known that things would not go well when they lost my first money order payment!! Believe me it went down hill from there!!! We had the car for almost one year. In the 7th month I became very ill and spent almost a month in the hospital. I did get behind in my payments (60 days).

These people were ruthless, but I finally made one payment and made arrangements to make the other and the next payment. That very day when my daughter came home from school, she no more got out of the care in front of the house when they screeched up and towed it away right in front of her. I looked over my contract and found that I had taken out the insurance for death and disability, and it also covered illnesses, that after calling the insurance co, found they would cover. I called Americrap and they told me they did not have to honor that insurance and even though I had made arrangements that morning, that now that they had the car I would have to pay an ungodly amount to get it back.

After finally finding out where the car was, I too had to pay to get our own things back, a lot of things were not there, and they had been thrown in trash bags, sat on the floor and the dog that was 'guarding' the place had urinated on most of the bags. While talking with the person that recovered the car for Americrap he said to me ' I was kinda glad to here you were not gonna try to get the car back cause they said they would make a deal with me to buy it and it would make a great car for my daughter.'

I actually had intentions of trying to get my daughter's car back, but let me tell you they were not gonna let that happen and didn't. I to this day have never gotten anything saying what they sold the car for. The only thing I have gotten is a bill for 23, 000. I only financed 21, 000 and had paid for a year on it. Of course they do some kind of new math I guess, or they just gave the car away!

If there is someone out there who can help all of us that would be great!!! But anyone reading these watch out!!! Americrap will get you!!!

I called to get the payoff on my vehicle. They gave me an amount, and I sent them a check for that amount over night. They recieved it and cashed it on Juny 17th. 2008. After 30 days of not gettng my title, I call them. They tell me that I still owe them one payment. Then I prove to them that I don't and their story changes to...I owe them unpaid late fees. I ask for a full history of my account. I recieve it and even their documentation shows that I have a $0.00 balance. So I call and put in the last four of my SSN and the recording says " This account is paid in full". But yet when I talk to some one they tell tell me that they will not release the title until I pay 633.00 late payments that their own accounting shows that I don't owe. I have filed a civeil suit.