Complaints

• Initial Complaint

  06/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was lied to at the time of sell of the car saying there was no recalls . There are several recalls on the car voiding the contract at this point on their end ! I've also had several issues with how nasty and u professional this company is . Want the car fix immediately , safety hazard they were well aware of and is on any recall list ! Ontop of the many issues I've already had .

  

  Business response

  07/16/2024

  Good morning, 

  As a standard practice, Auto Credit USA runs a recall report on every vehicle prior to sale and provides the customer with the recall report at the time of purchase. At the time of **************************** purchase, he signed an acknowledgement form and the report from the ***** (National Highway ************************************* noting that there were zero recalls at the time of purchase. If recalls have been issued since that time, Auto Credit USA would not have any involvement in issuing the recall. Please note that recalls are free repairs so if there are active recalls, ************************ should be able to have the recall repairs performed at no cost to him.

  A copy of the acknowledgement form and the ***** report are attached for reference.

• Initial Complaint

  06/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Bought the car and right after buying it.i had to take it in for repairs of a shop of there choosing and that was a bad mistake and the a week later took it to another shop and I've have had a check engine light on for almost a year but they don't want to put money in it and take it to the dealer

  

  Business response

  06/17/2024

  *** *** has taken his vehicle to 3 different repair facilities from the time of his purchase. To our knowledge, the service contract that *** *** purchased when purchasing his vehicle has covered the cost of repairs for all three of these visits. *** *** should not have any out of pocket expense to date. If that is inaccurate and *** *** has had to pay for a repair, he is welcome to provide us with a copy of the invoice and we will certainly consider it for reimbursement - if it is for a repair covered by this service contract.

• Initial Complaint

  10/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In March of **************************** about a ding to my credit score. I disputed it with them and because of GCAC failing to reply with Transuinion, my credit file has been destroyed now resulting in a credit score of 0 down from 700. Also, no credit will be reported ongoing. 2 data breaches with them also and identity stolen. Also, was missing 5 months of payments prior.

  

  Business response

  10/17/2023

  Auto Credit USA has updated **************** payment history to reflect the payments he has made. This information will be reported to the credit bureau on October 31, 2023.Auto Credit can not provide any assurance as to how long it will take for the credit bureau agency to update **************** credit file, but we will submit the relevant information at the end of this month.

  Customer response

  10/19/2023

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  
  

  Thank you.

  Customer response

  11/08/2023

   I am rejecting this response because:
  
  

  I have been disputing with Transunion about my credit history and score being a zero. My credit had a ding so I checked on it. ********* Credit Acceptance reported I had a late or missing payment.......they pull the money every month on auto pay from my bank account. So first off I got a credit ding for something I wasn't in charge of? So I disputed it. Transunion told me they contacted ********* Credit Acceptance about the dispute, and legally GCAC had 30 days in which to comply and respond. They failed to do so, in which resulted Transunion deleting my credit file. Now my score is a 0 with the past 36 months of payments deleted from my credit history. I've contacted the BBB, which in turn contacted GCAC and I agreed on GCAC's terms of this being resolved by October 31st, 2023. It still is not taken care as of 11/3/2023. There has been nothing reported to Transunion.

  

  Business response

  11/08/2023

   

  As was mentioned in our initial reply, GCAC will submit the credit file with updated payment history on 10/31/23, which we did. Our response also indicated that we are unable to control how quickly (or slowly) the information is updated once remitted to the credit bureaus. It is our understanding that the credit bureaus typically take up to 14 days to process information once submitted. Hopefully in the next week to ten days, **************** file will be updated.  In the meantime, there is nothing further we are able to do in order to expedite the process as the information is now with the credit bureaus.

  
  

• Initial Complaint

  09/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a vehicle at Auto Credit USA on July 22, 2022. Within 3 days of having this car it had to be put in the shop for repairs. I had to get a rental and they did not even want to offer me that being it wasnt in the contract. I even tried calling and asking if I could bring the car back since it was in the shop not even 3 days of having it. But, that wasnt allowed to either according to my contract. Then not even a week later when I had the car back the problem was never resolved and had to be put back in again for more this time with no rental car and not to mention no way to get to work all while still having to pay car payments on a car I wasnt even able to use. Not even 2 weeks later it had to be put back in another shop for repairs again. There were so many issues still and now it has to go yet again in the shop and I am not able to get to work yet again all while they are shutting my car off cause no payment is being made. Well, if the car actually would work I would be able to make it to work and make the payments but, when I have had this car in the shop 4 times now after purchasing it. Then when ever you call to talk to someone they are very rude and rush you off the phone. They dont want any explanation for anything. But yet cant give any explanation as to why they sold me a lemon? They do not help any **************** of anything and this has been an absolute nightmare since driving the car off the lot. They wouldnt let me trade it for a different vehicle or anything. Just we will fix it under your warranty and thats it. Which is great! But, I need a car to get to work and one that actually works properly. Or no money is being made and no payment can be made so what is the point of doing the repairs when you cant even drive it to your place of employment because it is either in the shop or they shut it off due to no payment. Also, they wont work with you on payment arrangements when you get a new job and the pay cycle changes either.

  

  Business response

  12/07/2022

  AutoCredit worked with ************************** to address her concerns and made arrangements for the return of the vehicle on 10/15/22. At this time, we believe all outstanding matters have been addressed.

• Initial Complaint

  08/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On October 2, 2021, I purchased a car. I showed up as a single woman with a toddler in tow and in desperate need of a car. I had never bought from a dealer before and was unsure what I was doing. I bought a 2013 ****** Altima 2.5 S Sedan with roughly ****** miles. My loan amount is $18,000. It's less than a year later and I can't get anyone to even consider refinancing me because I am upside down $12,000 in a car I have had for less than a year. They all say the math doesn't make sense. My APR is outrageously high at *****%, but I expect that from a buy here, pay here dealership. I also understand jumping the price at places like this, but I feel as though I was severely taken advantage of. I don't know what to do about this anymore because I can't get anyone from the dealership to get back to me on this. I don't understand how an 8-year-old basic car was over $16,000 when KBB puts it at 6-8k.

  

  Business response

  08/29/2022

  **************** purchased a vehicle for the market value of that vehicle at the time of purchase. As has been widely reported, used vehicles prices have been significantly higher over the last two years in large part due to supply chain issues in the new vehicle markets resulting in a drastic decline in new vehicles. This reduction in new car availability has driven used vehicle prices to some of the highest levels in history. Dealerships are regularly buying vehicles at auction for more than vehicle was sold for as a new vehicle just a few years before.

   

  As **************** stated, the interest rate is fairly standard as "buy here pay here" dealerships typically sell vehicles to credit challenged customers which carries more risk. 

   

  On a separate note, we apologize to **************** for her failed attempts to contact the dealership. Should she want to discuss the matter further, she can call and ask for ***************************, the General Manager.

• Initial Complaint

  05/17/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I purchased a lease from auto credit USA 3/19/2022. They were suppose to mail a temporary title in the mail so that I could get plates and move on with my purchase but I never received. I called them for two weeks straight everyday asking if they have found the title but it seems that nobody knows whats going? I told them I would like to to return the car and they told me thats not how it works? I told them okay well I will wait then 45 days passed and I needed to get plates I could not get plates so I called again to auto credit USA and again was told they dont know whats going on they are waiting on the title from the auction. It is now may 17th I am reaching out to you guys to try to get this settled. I staill pay on the car every two weeks because I can not have a repo but I do not want to work with this company anymore and I would like them to end my lease and take the car back and cancel my debt to them because I dont think this is right.

  

  Business response

  05/20/2022

  After investigation **************' concerns, it is clear that there was a title issue with ************** vehicle. ************** has returned the vehicle and his loan arrangement has been cancelled as he indicated was his desire.

  Customer response

  06/08/2022

   I am rejecting this response because: So I purchased a car from auto credit they lost my title and would not work with me. I filed a complaint stating how they lost my title and everything they told me to bring the car back and they would cancel out my lease and get back to me. I have called for two weeks wondering about the payments and money I have invested into the car I would like it back. I also have a ****** dollar auto loan on my credit for a car I do not have and I want that resolved ASAP. I have been dealing with this since may 3rd of when my tags expired in my car and I feel this has been long enough. Ive uploaded all the files to the previous claim I filed. I keep calling but all I get is voice mails or transferred over to the collection department of the company and they have no idea what Im trying to ask then they transfer me back to the managers voice which I left multiple voice mails to and no return phone call the company.
  
  
  

  

  Business response

  06/10/2022

  Payments made while ************** had the car will not be returned as he had use of the vehicle - similar to if he were to rent a vehicle. 

   

  As for the loan balance, the loan has been cancelled, but once that information is reported to the credit reporting agency it has to be processed and reflected on the credit bureau. That shouldn't take longer than 60 to 90 days.

  Customer response

  06/13/2022

   I am rejecting this response because:
  
  I dont have the car I have even purchased a new car because of all this hassle I want the debt removed and my money Ive invested for the car. You guys made the payment for the car that I do not have but if we can get that resolved and the money I have invested into the car figured out also I dont think I should have wasted my money and would like refunded. I 

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