We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Prepaid Credit Cards

American Credit Network

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Prepaid Credit Cards.

Complaints

Customer Complaints Summary

  • 6 total complaints in the last 3 years.
  • 2 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:10/02/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    American Credit has taken a large amount of money from me and strung me along for 4 years saying they are taking care of the 3 debts I gave them to resolve. Now the credit card companies have given 2 of the debts to Collectors that keep sending me collection notices. Every time I receive one I immediately email, per their instructions, to ACN. Now they dont answer the phone or acknowledge receipt if any of my documentation. I dont know what to do from here.

    Business Response

    Date: 10/29/2024

    please let us know if any additional information is needed

    Business Response

    Date: 10/29/2024

    Please see Attached

    Customer Answer

    Date: 10/30/2024

     
    Complaint: 22370375

    I am rejecting this response because:

    Consumer
    Most Recent Message
    Date Sent: 10/29/2024 6:29:02 PM

    My complaint is that this company is not responding to any of my communications with them in the past year.  I have one creditor that keeps contacting me for payment that has been sold to a collection company.  I was instructed  NOT to talk to that company by American Credit.  I was told to send ALL communications to them and they would take care of it.  Ive done what they ask but they will not respond to me at all.  I simply wasnt them to do their job and contact me and let me know what to do.  



    Sincerely,

    ***** *******

    Business Response

    Date: 11/15/2024



    Information Requested please let us know if anything else is needed

     

    Attachments:
    ******* *****.pdf

  • Initial Complaint

    Date:05/29/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was contacted by the American Credit Network in 2021 and told that for a 12-month payment plan of $235/month, they could settle three credit card accounts that were in good standing at that time. I was told to stop making monthly payments and that they would contact the companies and would eventually settle with them. I was also told that I would be represented in the event that one of the companies sued me. I spoke several times with their representatives on the phone. I completed the 12-month of payments to the American Credit Network and have not heard from the company since then. Now, I'm being pursued by a process server, and when I try to contact them by e-mail and by phone, I am unable to get any response. I can only conclude that this is some kind of scam, and I want a refund of all the money I paid them.

  • Initial Complaint

    Date:11/28/2023

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    American Credit Network (***), was to discharge my credit card debt. I joined program in January 2021, submitted all documents from creditors, history & other info (was unemployed for 1.5 years, a temp when COVID hit). I reagularly spoke w/ company re: my status. I accessed my legal caseworker. In March 2022, *** assured me the legal department would take action to prevent wage garnishment. I sent a letter w/my background, and payslips to documented amount garnished to date. December 2022, the last call I had with *****************************, lockslegal, my legal caseworker, was told the judge ordered the debtor companies to discharge debt, and refund the amount garnished. The stop order was w/Tompkins County Judge. Over several months, followed up many times through email and phone messages, then learned from *********, that *** had switched to a new legal vendor and that they could not retrieve the legal documents from my case.After calling weekly and more over the past several months, and being told to speak with a *******, I have never been successful reaching with this individual, and my wages are still being garnished, reaching more than $10,000. My last conversation with ********* (in October), I was told that I should receive a letter, and I seem to remember something about refunding the fees that I'd paid. Now, in the past month, the *** phone number ************** goes directly to a voicemail message, and that the voice box is full. I have sent several emails to *********************************** with no response, and received NO letter from the company.I would like to have the garnishment on my wages stopped, the two final creditors debt discharged, and the amount garnished to be refunded. I've lived without a credit card, and with a poor credit rating for more than two years, after 30 years of excellent credit (I have a mortgage, and paid off several loans). Hence, I ask that *** Finish the Job they took on with my case!

American Credit Network is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.