If you have an auto loan with American Credit Acceptance (ACA), the subprime lender headquartered in Spartanburg, South Carolina, you may need to reach their customer service team about a payment, a payoff quote, a hardship, or a problem on your account. This guide gathers the verified ways to contact ACA in one place and, just as important, shows you how to actually get your issue resolved: what to say, what to document, and where to escalate if the phone line goes nowhere. MultiGen Law Institute is an independent consumer-advocacy organization. We are not American Credit Acceptance, we are not affiliated with, endorsed by, or connected to them in any way, and we are not a law firm. This is general information, not legal advice. Always confirm current phone numbers and hours directly on the official site, americancreditacceptance.com, because company details can change.
American Credit Acceptance contact information
Below are the contact details ACA publishes on its own website as of this writing. American Credit Acceptance is a different company from Credit Acceptance Corporation of Michigan, so make sure any number you dial is tied to americancreditacceptance.com. Please verify the current numbers and hours on their site before relying on them.
- Main customer service phone: 1-866-544-3430
- Phone hours: Monday–Friday 8 AM–10 PM ET; Saturday 8 AM–5 PM ET; Sunday closed (verify current hours)
- SCRA / military assistance line: 1-855-292-6426
- Insurance claims line: 1-855-292-6430
- Online account portal & live chat: myloan.acacceptance.com (sign in to view your loan, make payments, and chat during posted hours)
- Payoff requests (mail): American Credit Acceptance, 961 E. Main Street, Spartanburg, SC 29302
- Regular payments (mail): American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (include your account number and payment voucher; allow at least 5 business days)
- Complaints & credit disputes (mail): American Credit Acceptance, Attn: Customer Experience Team (or Credit Dispute Team), 961 E. Main Street, Spartanburg, SC 29302
- Website: americancreditacceptance.com (customer FAQ, payment options, and downloadable complaint/dispute forms)
What people usually contact American Credit Acceptance about
Most calls to ACA fall into a handful of categories. Payments are the biggest one: making a payment, fixing a failed AutoPay draft, or asking how a payment was applied. Payoff quotes come up when borrowers refinance, sell the vehicle, or want to close the loan early and need the exact figure in writing. Hardship requests, such as asking about a due-date change, a deferment, or an extension, are common when income drops. Borrowers also call about repossession risk or reinstatement after a missed run of payments, and about credit-reporting problems when ACA reports a balance, a late mark, or a status they believe is wrong. Knowing which category your issue falls into helps you ask for the right department and the right documentation.
How to get results when you call
Treat every call as if it could end up in front of a regulator, because sometimes it does. Document everything. Before you dial, write down your account number, the specific question, and the outcome you want. During the call, note the date and time, get the representative’s name and, if offered, an ID or reference number, and write down exactly what you were told, especially any promise about a payment arrangement, a due-date change, or a hold on collection activity. Get names and dates in every entry. Then follow up in writing. After a meaningful call, send a short email or letter that says, “On [date] I spoke with [name] and we agreed to [terms],” and keep a copy. Verbal promises are hard to enforce; a written record is not. If a representative cannot help, politely ask to speak with a supervisor or the Customer Experience Team and note that you did.
When customer service isn’t enough: how to escalate a complaint
If ACA’s own channels do not resolve your issue, you have free, official places to escalate. File with the CFPB. Go to consumerfinance.gov/complaint, submit the details, and the Consumer Financial Protection Bureau forwards your complaint to ACA and typically requires a response, usually within about 15 days, with your comments visible to you. Contact your state Attorney General. Search “[your state] attorney general consumer complaint” and file online; state AGs handle unfair or deceptive auto-lending and collection practices. File with the BBB. Submit a complaint through bbb.org against American Credit Acceptance, LLC; while the BBB is not a regulator, complaints there often prompt a company response and create a public record. Attach the notes and written follow-ups you saved, keep copies of every submission, and give each agency a clear, factual summary of what happened and what resolution you are asking for.
Know your rights
Two federal laws give you real leverage. The Fair Debt Collection Practices Act (FDCPA) restricts abusive, harassing, or deceptive collection conduct; while it applies most directly to third-party collectors, its standards, and related CFPB rules, shape how debts on your account should be handled, and you can demand that contact be limited to reasonable times and methods. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information ACA reports about you. You can dispute directly with ACA’s Credit Dispute Team and, separately, with the credit bureaus (Equifax, Experian, and TransUnion); the furnisher and bureau must investigate, typically within about 30 days, and correct or delete information that cannot be verified. Send disputes in writing, keep proof of mailing, and never rely on a phone call alone for a credit-reporting error. This is general information, not legal advice.
Reaching ACA is only step one; getting a fair outcome is the goal. If you want to see what you are up against, read what other borrowers report about payments, repossession, and credit reporting, and check the class-action registry to see whether your issue is part of a larger pattern. When you are ready to put your complaint in writing the right way, the $47 pro-se kit gives you ready-to-use dispute and complaint letter templates, so your CFPB filing, credit dispute, and follow-up letters say exactly what they need to say. Document everything, escalate in writing, and use your rights.
Disclaimer: MultiGen Law Institute is an independent consumer-advocacy organization. We are not American Credit Acceptance and are not affiliated with, endorsed by, or connected to American Credit Acceptance, LLC in any way. We are not a law firm and do not provide legal advice; the information here is general information only. Phone numbers, hours, and addresses were gathered from publicly available sources and are subject to change, so verify all contact details directly with the company at americancreditacceptance.com before acting. For advice about your specific situation, consult a licensed attorney in your state.
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