American Credit Acceptance (ACA) has been accused of failing to disclose a processing fee for online payments made through its portal, allegedly violating consumer protection laws like the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA). Some consumers claim they were charged extra without clear upfront disclosure, which may have misled them into paying more than expected.
If you meet the following criteria, you may be eligible to participate in the arbitration process and may be eligible to pursue a legal claim:
- You are 18 years or older
- You currently have, or have had within the past year, an auto loan with ACA
- You made a payment via ACA’s online payment portal in the past year
- You were charged a processing fee for online payments without clear prior disclosure
- You can provide proof of online payment and your auto loan agreement
If you believe you have been impacted, here’s what you can do:
- Submit Documentation: Provide a copy of your auto loan agreement, proof of your ACA online account, and confirmation of online payments made with ACA’s portal
- Complete the Form: Fill out the form to see if you may qualify