Complaints

This profile includes complaints for Auto Credit USA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Auto Credit USA

  100 W Coliseum Blvd Fort Wayne, IN 46805-1006

  
• 

  Auto Credit USA

  502 S Main St Columbia City, IN 46725-2625

  

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.

• Initial Complaint

  Date:06/23/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 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

  Date: 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

  Date:06/06/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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

  Date:10/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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 Answer

  Date: 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 Answer

  Date: 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

  Date: 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

  Date:09/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 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

  Date: 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

  Date:08/18/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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

  Date: 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.