Reviews
This profile includes reviews for American Credit Card Solutions's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 41 Customer Reviews
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Review fromjoseph s
Date: 02/19/2025
2 starsjoseph s
Date: 02/19/2025
i am the client paying for ACCCS services..well i received a letter from a creditor wishing to get my account done, and offered a settlement 75% off the amount due, leaving a balance of $150. sent it in 3 weeks ago telling them to pay it..to this date 02-19-2025 they have not paid it..Now they have pulled that offer to me and now i owe the full amount. ACCCS DOES NOT LISTEN TO THEIR CLIENTS..They just do what they want to do. i called again last week and was told they would get back to me, and nothing yet!!! I am paying them a 27% fee on each creditor they settle, but they do not take the interest of their client in mind..everyone says don't worry they got this, well i beg to differ. they are NO better then the creditors.
American Credit Card Solutions
Date: 02/24/2025
We sincerely regret the frustration you’ve experienced, and we appreciate you bringing this to our attention. Our priority is always to act in the best interest of our clients, and we understand how important it is to secure favorable settlements in a timely manner.
Looking at your account, we want to highlight that we have successfully settled 10 out of your 22 accounts in less than a year—well ahead of pace for your 3-year program. So far, we have achieved strong results, and we remain committed to securing the best possible outcomes for you.
Regarding the recent settlement offer, we regret that it was not processed before the creditor withdrew it. While this is not the outcome we wanted for you, please know that we are actively working on alternative solutions. Additionally, we’d like to clarify that our service fee for you is 23%, not 27%, and we strive to ensure that the value we provide outweighs this cost.
We appreciate your patience and would love the opportunity to discuss how we can move forward. Please reach out to our customer support team and we will prioritize your case.
Your feedback is valuable, and we remain committed to getting you the best possible results.Review fromPatsy B
Date: 01/08/2025
5 starsPatsy B
Date: 01/08/2025
I was very happy with my service I received from this company, Ed answered all my questions and in a very timely manner. Thank you very much I was very satisfied.American Credit Card Solutions
Date: 01/09/2025
Thank you!Review fromShon H
Date: 07/16/2024
1 starShon H
Date: 07/16/2024
I was promised that by the end of a 6 month period if my accounts wasn’t settled I had the opportunity to get a refund or either a loan that would pay off the debt while still paying the $530.00 a month that I was paying them for at least 7 months I ask the agent can I get a refund and she told me no I paid at least $3,710.00 and none of the accounts ever changed they kept calling my phone asking for more money and threatening me with letters of enforcement all I wanted was my credit clear so I can provide for my family now I’m in a worse predicament with my checks being garnished and also out of 3,000 dollars please ???? do not go to these people for help!!!American Credit Card Solutions
Date: 07/22/2024
Hi Shon, Thank you for sharing your experience. We are deeply sorry to hear about the challenges you have faced with our services.
To clarify, you stated that "none of the accounts ever changed." However, we successfully settled your largest debt within your program's first month, representing 63% of your total debt enrolled. This was a significant accomplishment and a positive step towards improving your financial situation.
Our records show that you made six payments before discontinuing the program, and we appreciate your efforts. Continuing with the program would have allowed us to negotiate further settlements and provide the relief you sought. Active participation in the program is essential for achieving the desired results, as this is your debt.
Regarding the refund or loan option, we regret any confusion. Our goal is always to be transparent and supportive. We apologize if there was any miscommunication and want to reaffirm our commitment to providing clear and helpful information. Your stopping program payments disqualified you from the opportunity to apply for a debt consolidation loan.
We are deeply sorry to hear about the additional financial stress you are experiencing, including wage garnishment and related enforcement letters. Please know that our primary goal is to help our clients improve their financial standing, not worsen it. If you have any further questions or need additional assistance, don't hesitate to get in touch with our customer service team. We are here to help and want to support you however we can.Review fromAlda G
Date: 07/05/2024
4 starsAlda G
Date: 07/05/2024
Pete explained very well what the company does and how it works. I asked A LOT of questions because I have never used this type of service before. I'm still a little skeptical lol. But I'm praying that I have made a good decision. 42 months. We shall see! Thank you for you patience, Pete!American Credit Card Solutions
Date: 07/08/2024
We appreciate your positive feedback and will be sure to pass this on to Pete, thank you!Review fromPamela T
Date: 06/08/2024
1 starPamela T
Date: 06/08/2024
Signed up with them early December 2023, they have only settled one of my accounts!!!
I pay them $234.96 every month to only have one of my account’s taken care of!!
Every time I try to log into my account I constantly get an error message.
BBB should monitor this kind of company more. And this company should be held accountable for its actions and the way they are doing their clients. From ready the other comments they are treating all their customers the same way!!!!American Credit Card Solutions
Date: 06/13/2024
"We are sorry to hear about your dissatisfaction with our services. We aim for 100% client satisfaction, and we regret that your experience hasn't met your expectations.
Since your enrollment in December 2023, we have successfully settled two of your accounts. One of these is fully paid, and the other has only one payment remaining. These settlements were achieved at just 50% of the original debt, which is a significant reduction. Additionally, we are close to finalizing another settlement. Your program is designed to span 36 months, and you have been with us for 9 months. Settling all enrolled debts with your monthly payment of $234.96 takes time, and we believe we are making good progress.
We apologize for the issues you've experienced with the Client Portal. Typically, problems arise when clients attempt to log in with an expired temporary password. Temporary passwords expire after 24 hours, so we recommend changing your password immediately upon receipt. Our team is ready to assist you with any login difficulties.
Our Customer Service Manager has reached out to discuss your program in detail and help resolve any issues with the Client Portal. Please contact us at 877-820-2957 at your earliest convenience. We look forward to assisting you further.
Thank you for your patience and understanding."Review fromJessica M
Date: 05/15/2024
1 starJessica M
Date: 05/15/2024
Do yourself a favor, find another way to manage your debt and consolidate your credit cards rather than ACCS. I have been dealing with this company since December 2021 and while they have settled SOME of my debts, there are STILL 6 companies left there has been no movement with. Most recently, there was a larger issue of ACCS not paying particular companies and paying other ones. One of those debts turned into a legal matter and ACCS paid the law firm ONE time in a matter of months and said it was because they rely on on-time payments etc (I was making payments for the month and OK so maybe the payment wasn't on my due date but the payment was made for the month and looking at my payment history they would send payments around the 25th of the month. to the creditors, so where was my money going? NOW this is a much bigger issue I am dealing with myself honestly because having them help was NOT helpful, clearly! Everytime you call you speak to someone it seems in another country (which was never the case in the beginning), and it's never the same answer you get from someone. I don't need another court summons and sheriff showing up at my house because of the 6 open accounts I have that they have yet to do anything with! Unfortunately, I am in far too deep now and just want the other 6 accounts somewhat settled so I can move on from this nightmarish company!American Credit Card Solutions
Date: 05/17/2024
Thank you for bringing your concerns to our attention. We understand that managing debt can be stressful, and we sincerely sympathize with any distress you've experienced.
We have reviewed your account thoroughly and would like to address the issues you've mentioned:
Inconsistent Payment History: Your successful progress in our program relies heavily on timely and consistent payments. Over the past 28 months, you have made approximately only 60% of the required payments. Unfortunately, this inconsistency has impacted our ability to settle all of your debts as initially planned. In essence, due to the missed or late payments, your progress equates to being around month 17 of the 36-month program.
Settlements and Payments: We have successfully reached settlements on a majority of your accounts. However, some of these settlements were voided because of missed or late program payments. We understand how critical it is to avoid legal issues, and we have always strived to allocate your funds as effectively as possible based on the payments received.
Communication: We acknowledge that speaking with different representatives can be frustrating, and we apologize if you have received inconsistent information. We are committed to improving our customer service to ensure you receive clear and consistent guidance.
We firmly believe that a more consistent payment history would have made you more satisfied with the progress. Despite the hurdles, we are unwavering in our commitment to helping you resolve your remaining debts. Our goal is to help you achieve financial freedom as seamlessly as possible. We are here to support you and encourage you to reach out to our customer service team for any further assistance.Review fromDonna B
Date: 05/08/2024
5 starsDonna B
Date: 05/08/2024
Very friendly, helpful, and knowledgeable. Peter answered every question I answered. I have used ACCS previously, and I was very pleased with the service they provide and I expect that I will be just as satisfied with them again.American Credit Card Solutions
Date: 05/09/2024
We appreciate your positive feedback!Review fromMichael C
Date: 02/21/2024
1 starMichael C
Date: 02/21/2024
Call the creditors yourself and they can change terms of loans or for credit cards. I got into this program and stayed in for 4 months and they did absolutely nothing beside getting me sued and telling me there is nothing they can do but pay loan in full at $2000. I called company suing me and they said accs had not contacted them even though I told accs 4 times about the problem. The company ended up working payment with me and I fired accs same day. I was paying $157 twice a month and Accs was keeping $157 a month and only using $87 towards paying 1 creditor and never contacted any of the other 10 creditors in 4 months. My credit is shot now. Wish I never started program and just called my creditors and negotiated myself so far they have all been sympathetic to my situation and all have worked with me. If there is a creditor that won't settle your debt you will be responsible for it yourself and by time you find out you will be 4 months behind already. I found out by a sheriff showing up at my house with a summons for court. Please try calling creditors yourself before doing these kind of programs. Thanks and hope you get your situation solved.American Credit Card Solutions
Date: 02/23/2024
We appreciate your feedback regarding our services. We go to great lengths to ensure that our clients understand our program clearly, and that reasonable expectations are set from the start. Respectfully, your claim that we did not do anything is not true. Within just one month of your enrollment we were able to negotiate a 50% settlement for your largest account, representing significant savings for you. Unfortunately one of your creditors was very aggressive in their collection efforts and attempted to pursue legal action. We spoke to the lender and we were able to arrange a payment plan to avoid this. We are confident that if given the opportunity, we would have settled your remaining debt over the contractual term of the 36-month plan we agreed upon. We have been in contact with you and are canceling your program as requested. If you reconsider your cancellation, we would be happy to help you reach your goal of resolving your debt.Review fromArnold S
Date: 07/24/2023
2 starsI originally called them after reading possible financing for 10% APR and thought it was worth a try to get a lower refinancing of my debt. Instead, after talking with a salesman for a while, I was under the impression my credit card debt would be reduced starting in a few months, like 3 or 4. Instead, it is over 6 months and my credit card debt hasn't gone down even a dollar --- is same as when started on program. Also, I was told my credit score wouldn't go down by much. It has changed negatively from over 670 to near 500. I regret starting on the program and wish I could go back in time and just hang up on the salesman as soon as I heard what sounded suspitiously like BS and outright lies. But he had a convincing voice and got me to try it. Never again -- fool me once, shame on you, fool me twice, shame on me. Maybe some people have no other choice but I was satisfied with my progress before on my payments and credit score -- I just wanted to improve/lower the interest I was paying. Some of my current creditors have lowered my credit line due to a lower credit rating near 500 now. It may go lower -- what a nightmare.Review fromJoann M
Date: 07/13/2023
5 starsJoann M
Date: 07/13/2023
Maria was very helpful and patient when answering my questions.American Credit Card Solutions
Date: 07/14/2023
Thank you so much!
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