The Law Office of Paul Mankin

Is the debt collection agency American Credit Acceptance Corp harassing you?

Who are American Credit Acceptance Corp? Although they look like a legitimate company that works in finance, is that all there is to it? And are they going above and beyond the court of law? Here are all the things you need to know if you have been contacted by the debt collection agency American Credit Acceptance Corp about a new or existing debt, and how to handle them.

What is American Credit Acceptance Corp?

American Credit Acceptance Corp, also known as American Credit Acceptance LLC, is considered as a Consumer Finance Company that serves upstate South Carolina. They deal in multiple different areas, in both financing, as well as debt collection for and through businesses.

Is American Credit Acceptance Corp a legit Debt Collection Agency?

Although they are not primarily a debt collection agency, they are known to help collect on debts as well. They have been in business since 2007 and have been accredited since 2013. They also go by the name Spartan Financial Partners and hold an A+ rating with the Better Business Bureau. However, they also have a 2.6 star rating out of 5 from 60 customer reviews.

American Credit Acceptance Corp Contact Information

Address: 961 E Main St FL 2 Spartanburg, SC 29302-2185

Phone Number: 1-866-544-3430


Fax Number: 1-866-731-4883

Does American Credit Acceptance Corp have Complaints against them?

American Credit Acceptance Corp has multiple complaints against them. Through the BBB, they have over 400 customer complaints, as well as 40 negative reviews left in the BBB database.

The Consumer Financial Protection Bureau’s Consumer Complaint Database shows 467 complaints that match with American Credit Acceptance as well.

What kind of Complaints have been made?

Although they have multiple complaints lodged against them, they are a bit varied, as some are for things outside of debt collection and harassment. On the CFPB’s CCD, there were 106 complaints about credit reporting, repair, and other personal consumer reports, as well as 71 due to debt collection. Many consumers state that they were given improper information, and that their information was tampered with in an attempt to get the consumer to pay more. Not only that, it is listed that American Credit Acceptance Corp attempted to not report monthly payments from some consumers in an attempt to get them to have to pay late fees.

On the BBB’s database, 281 were due to billing/collections issues, and 122 stated they had issues with the product or service provided to them. The same issues are found here, with many complaints stating that their information was tampered with, or that their monthly payments were not being reported properly, resulting in a loss on their credit score, or overdraft and overdue fees racking up.

Are the Practices of American Credit Acceptance Corp Legal?

These practices are very much not legal. According to the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA), debt collection agencies must follow a set of guidelines set forth by the federal government. Many of these laws state that a debt collector may not manipulate, misinform, or misguide you in an attempt to elicit payment. In the cases listed above, it is quite obvious that they attempted to trick and deceive consumers into paying more than they actually owe, which breaks the FDCPA’s rules and guidelines.

How can I protect myself and fight back against American Credit Acceptance Corp?

If you or someone you love has been caught up with American Credit Acceptance Corp, rest assured, there are plenty of steps you can take. The first step is to identify the debt. Make sure that the debt is proper by asking for verification that the debt is real. This can be done in many ways, such as asking for written letters, or getting in contact with the original debt holder.

If they continue to harass and threaten you, it may be time to contact an experienced debt collection harassment attorney or consumer rights lawyer. Debt collection harassment attorneys and consumers protection lawyers like the attorneys we are at the Law Office of Paul Mankin, APC, work around the clock to provide you proper care and assistance when facing such harassment and slander. We are able to help you identify, stop, and report these cases of harassment from debt collectors such as American Credit Acceptance Corp, and give you some peace of mind throughout the entire process.

Not only can we help you to defend against debt collection harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

  • Multiple calls per week from a third party collection agency
  • Multiple calls in the early morning or late night from debt collectors.
  • Violent and belligerent language and harassment from debt collectors.
  • Threats of arrests or poor credit due to outstanding debts.
  • Having your friends, family, and coworkers harassed by debt collectors.
  • Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.