Corporate Address: 961 E.

Main St, Spartanburg, SC 29302

CONTACT US
Send Payments to: PO Box 204531, Dallas, TX 75320-4531

JOHN SCHNEIDER VAUDREUIL

5070 PALM HILL DR APT 168
WEST PALM BEACH, FL 33415

Welcome
Welcome to American Credit Acceptance (“ACA”). Enclosed you will find our Billing
Overview, Payment Options, Contact Information, and other useful documents. Your
billing statement will arrive separately.

Contact Us

[Link]/Customers Toll Free: 1-866-544-3430

Address Directory

Account Payment Corporate

American Credit Acceptance American Credit Acceptance
PO Box 204531 961 E. Main Street
Dallas, TX 75320-4531 Spartanburg, SC 29302 [Link]

About Us
ACA provides our borrowers access to reliable transportation through affordable
financing options. Our goal is to treat all of our customers with dignity and respect;
without you we have no purpose!

Questions?
[Link]/Customers
1-866-544-3430
ACA ONLINE PORTAL

ACA Online Portal

Take control of your account

[Link]/Customers

• Monitor account status, balance and payoff

• View recent statements and payment history

• Make payments

• Set up monthly, recurring automatic bank drafts

• Update your personal information

• Inform us of an insurance claim

• and MORE!

Visit us online and click

“ACA Customer Portal”
[Link]

to get started today!

Questions?
[Link]/Customers
1-866-544-3430
 BILLING INFORMATION
Billing Overview
Monthly Billing Statement Payments Due
Each month, ACA will send you a Payment is expected on or before
monthly billing statement approximately your due date. Call customer service if:
10 to 15 days before your payment is • If you have not received a billing
due. Please follow instructions and allow statement prior to your first
a minimum of 5 business days, including payment due date
mail time, for processing. • If you have concerns about making
a timely payment.

Payment Options Customer Service

ACA offers several payment options for your For more information on your billing
convenience. Refer to the Payment Options statement and/or our payment process,
section below or visit our website for all refer to the FAQ’s on the ACA website
acceptable payment methods: or call our customer service team.
[Link]/Customers Customer Service: 1-866-544-3430

Payment Options
Include your 11 digit account number on form of payment

Online Phone (subject to processing fee)

[Link]/Customers Toll Free: 1-866-544-3430
• ACA Customer Portal - Enroll for Free • Automatic Interactive Voice
Automatic Recurring Bank Drafts (FREE) Response (IVR)
• One Time Payment (subject to processing fee)

Mail (FREE) Third Party (may be subject to processing fees)

Allow a minimum of 5 days for processing Money Gram
(including mail delivery time). Include: (Sender Code: 3530) [Link]
Payment Voucher & Account # on Check CheckFreePay
American Credit Acceptance (At Most Wal-Mart locations)
PO Box 204531 Speedpay, an ACI Worldwide company
Dallas, TX 75320-4531 (Biller Code: ACA GA)

Questions?
[Link]/Customers
1-866-544-3430
SIMPLE INTEREST

Simple Interest FAQ

How do I determine if my contract is a simple interest contract?
The Retail Installment Sales contract that you signed at the dealership should specify whether your
contract is a simple interest or precomputed interest contract. Look for the words “Simple Interest” or
“Simple Finance Charge,” as well as language which indicates that your finance charge will be more if
you pay late and less if you pay early. If you are unsure which applies to your account with ACA, please
contact our Customer Service Department at 1-866-544-3430, and we will assist you.

How does simple interest work?

Interest accrues on a daily basis and is based on the current principal balance of your account. Interest
starts on the date of your contract and continues until your account is paid off. Each time you make a
payment, a portion of that payment will be applied to the accrued interest on your account. The amount
of interest you will pay is dependent on when you make your payment.

Simple Interest Facts

Interest is calculated based on the number of days between payments made.
• Pay Early: More applied to principal, less to interest
• Paying early every month or paying the account off before the final maturity date can save you
interest charges.
• Pay On-time: Pay as stated in the Retail Installment Sales Contract (agreed to principal, agreed to
interest)
• Payments on-time will help you to avoid late fees.
• Payments should satisfy the interest due and will reduce the principal balance each month.
• Your account will be paid off as scheduled and shown in the Retail Installment Sales Contract (if all
payments are made on-time).
• Using our auto-pay option can help.
• Pay Late: More applied to interest, less to principal
• Paying after the due date can increase the time it takes to pay off your loan.
• Paying late on a regular basis can greatly increase the size of the final payment.
[Link]

• Your payment amount may not be enough to cover the accrued interest owed; therefore, you may not
see a reduction in the principal balance.
• Potential to have a negative impact on your credit due to late marks.
• May cause you to not pay off your account as scheduled in your Retail Installment Sales Contract.
• You may incur late fees (where applicable).
• Interest continues to accrue during extension periods.
• Pay Lump Sum:
• Since interest accrues daily, lump sum payments are another tool to help reduce your balance and
interest costs on your account.

Questions?
[Link]/Customers
1-866-544-3430
 Recurring Payments Authorization Agreement

STEP 1: Please read and complete this Recurring Payment Authorization Agreement

By accepting the terms of this Recurring Payment Authorization Agreement (“Authorization Agreement”), I authorize American Credit Acceptance, LLC
(“ACA”) to initiate recurring electronic debit entries in the amount listed below (“Payment Amount”) from my account at the financial institution named
below (“Bank”) on the dates described below, and to apply such funds as payments on my motor vehicle retail installment contract ("Contract") with ACA.
In addition, by signing this Authorization Agreement, as of the date of authorization (“Effective Date”), I understand and agree to the following:
The Payment Amount listed below does not include any late fees, NSF fees, or other amounts which may become due under my Contract. I authorize
ACA to initiate debit entries for amounts including both the Payment Amount and any applicable fees pursuant to the terms of my Contract.
Recurring payments can only be scheduled to draft on my scheduled payment date, which is the date payments are due on my account each month.
If any payment date falls on a weekend or Federal banking holiday such that ACA is unable to process the debit entry, my payment will be posted to my
account with ACA on the next business day.
If ACA becomes aware of any erroneous debit entries, ACA will initiate transactions to correct the errors.
If any debit entry is dishonored or returned unpaid by my Bank for any reason, I authorize ACA to resubmit the debit entry up to two additional times
within the next 30 days, and I acknowledge that ACA may charge a return item fee and/or late charge to my ACA account, to the extent allowed by law
and/or my Contract. I also acknowledge that my Bank may impose its own additional fees according to my account agreement with my Bank.
If my bank account information changes at any time, I will immediately notify ACA of such change.
The origination of ACH transactions (debit entries) to my account must comply with and will be governed by the provisions of applicable law(s) and
rules of the National Automated Clearing House Association.
ACA’s authority to draft the automatic payments will remain in full force and effect until one of the following occurs:
1. I provide ACA notice via the address below, or ACA’s Customer Portal ([Link] or by calling ACA at (866)544-3430 3 days
prior to the original scheduled payment date of my wish to change the scheduled payment date.
2. I contact ACA at the address below, or via ACA’s Customer Portal ([Link] or by calling ACA at (866)544-3430 to provide
notice of my intent to revoke this Authorization no less than 3 business days prior to the next scheduled payment date;
3. I am notified by ACA of its intent to discontinue receiving payment from me in this manner for any reason; or
4. All amounts owed to ACA under my Contract are paid in full.
I understand that this Authorization is PURELY VOLUNTARY and is not a condition to ACA’s extension of credit. I agree not to dispute any debit entry
made in accordance with the terms of this Authorization Agreement.

Borrower Name: ____________________________________________ Co-Borrower Name: _____________________________________________

Borrower Signature: __________________________________________ Co-Borrower Signature: __________________________________________

Address: ___________________________________________________ ACA Account #: _________________________________________________

City/State/Zip: ______________________________________________ Phone: ___________________________

Email Address (Required): ____________________________________________ Effective Date: __________________________

Other required signature (if required by Bank to withdraw funds from this checking/savings account):

Name: _________________________________________________ Signature: __________________________________________________

STEP 2: Please complete the Recurring Payments Enrollment Information

Bank Account Number: ______________________________________

Bank Routing Number: ______________________________________

Bank Name: _______________________________________________

Bank Address: _____________________________________________

Bank Phone Number: _______________________________________

Payment Start Date: _______________________
Type of Account: ___________________________________________ (payments will occur each month on this day)

Payment Amount: _________________________

Step 3: Please mail the completed form and necessary documents to: For security purposes, ACA asks that you only return this agreement via
American Credit Acceptance mail. If you wish to enroll online, please visit ACA’s online portal at
Attn: Recurring Payments [Link] to set up your payments. If you have any
961 E. Main St. questions or need assistance, please contact us at (866)544-3430.
Spartanburg, SC 29302

Recurring Payment Authorization Agreement – LD Rev 2020.10.19

 Pago Recurrente – ACH ACUERDO DE AUTORIZACIÓN

Paso 1: Por favor lea y complete este acuerdo de autorización

Al aceptar los términos de este Acuerdo de autorización de pago recurrente ("Acuerdo de autorización"), autorizo a American Credit Acceptance, LLC
("ACA") a iniciar entradas de débito electrónico recurrentes en la cantidad que se indica a continuación ("Monto de pago") desde mi cuenta en la
institución financiera nombrada a continuación ("Banco") en las fechas que se describen a continuación, y para aplicar dichos fondos como pagos en mi
contrato de venta de mi vehículo de motor ("Contrato") con ACA. Además, al firmar este Acuerdo de autorización, a partir de la fecha de autorización
("Fecha de vigencia"), comprendo y acepto lo siguiente:

El Monto de Pago que se indica a continuación no incluye cargos por pagos atrasados, cargos por falta de fondos u otros montos que puedan vencer en
virtud de mi Contrato. Autorizo a ACA a iniciar entradas de débito por montos que incluyen tanto el Monto de pago como cualquier tarifa aplicable de
conformidad con los términos de mi Contrato.
Los pagos recurrentes solo se pueden programar para que giren en mi fecha de pago programada, que es la fecha en que vencen los pagos en mi cuenta
cada mes.
 Si cualquier fecha de pago cae en un fin de semana o en un dia feriado bancario federal de manera que ACA no puede procesar la entrada de débito,
mi pago se registrará en mi cuenta con ACA el siguiente día hábil.
Si ACA tiene conocimiento de entradas de débito erróneas, ACA iniciará transacciones para corregir los errores.
Si mi Banco rechaza o devuelve sin pagar una entrada de débito por cualquier motivo, autorizo a ACA a volver a enviar la entrada de débito hasta dos
veces más dentro de los próximos 30 días, y reconozco que ACA puede cobrar una tarifa por artículo devuelto y / o cargo por demora en mi cuenta ACA, en
la medida en que lo permita la ley y / o mi Contrato. También reconozco que mi Banco puede imponer sus propias tarifas adicionales de acuerdo con mi
acuerdo de cuenta con mi Banco.
Si la información de mi cuenta bancaria cambia en cualquier momento, notificaré inmediatamente a ACA sobre dicho cambio.
El origen de transacciones ACH (entradas de débito) a mi cuenta debe cumplir y se regirá por las disposiciones de las leyes y normas aplicables de la
National Automated Clearing House Association.
 La autoridad de ACA para procesar los pagos automáticos permanecerá en pleno vigor y efecto hasta que ocurra una de las siguientes situaciones:
1. Proporcione un aviso a ACA de mi deseo para cambiar la fecha de pago programada a través de la dirección a continuación, o el Portal del cliente de
ACA ([Link] o llamando a ACA al (866)544-3430 3 días antes de la fecha de pago programada originalmente.
2. Me comunique con ACA en la dirección que figura a continuación, o a través del Portal del cliente de ACA ([Link] o
llamando a ACA al (866)544-3430 para notificar mi intención de revocar esta Autorización al menos 3 días hábiles antes de la próxima fecha de pago
programada;
3. ACA me notifica de su intención de dejar de recibir mi pago de esta manera por cualquier motivo; o
4. Todos los montos adeudados a ACA bajo mi Contrato esta pago en su totalidad.
 Entiendo que esta Autorización es PURAMENTE VOLUNTARIA y no es una condición para la extensión de crédito de ACA. Acepto no disputar ninguna
entrada de débito realizada de acuerdo con los términos de este Acuerdo de autorización.

Nombre Del Prestatario: _________________________________________ Nombre Del Co-Prestatario: ___________________________________________

Firma Del Prestatario: ____________________________________________ Firma Del Co-Prestatario: ___________________________________________

Numero/Calle/Apt: _________________________________________________________ Número de Cuenta con ACA: ________________________________

Ciudad/Estado/Código Postal: ______________________________________________________ Teléfono: _________________________

Correo Electrónico (obligatorio): ____________________________________________ Fecha de Vigencia: __________________________

Paso 2: Porrequerida
Otra firma Favor complete su inscripción
(si es necesitada por elpara el Sistema
banco de Auto
para autorizar elPago
retiroen
delalos
parte inferior.
fondos de la cuenta de cheques o ahorros):

Número
Nombre:de_________________________________________________
Cuenta Bancaria: ______________________________________ Firma: __________________________________________________
Numero de Ruta Bancaria: ______________________________________

Nombre del Banco: _______________________________________________

Dirección del Banco: _____________________________________________

Número de Teléfono del Banco: _____________________________________ Fecha de Inicio para Auto pago: ___________________
Tipo de cuenta: ______________________________ (Los pagos se debitarán a partir de esta fecha)

Monto de Pago: ____________

Paso 3: Por favor enviar por correo el formulario completo y los Por razones de seguridad, ACA pide que este formulario sea retornado
documentos necesarios a: solamente por correo. Si usted desea inscribirse por internet, Por favor
American Credit Acceptance visite el portal virtual de ACA en [Link] para
Attn: Recurring Payments completar su inscripción. Si tiene alguna pregunta o necesita ayuda, por
961 E. Main St. Spartanburg, SC 29302 favor llámenos al (866) 544-3430.

Recurring Payment Authorization Agreement – Spanish – LD Rev 2020.10.19

 Rev. January 08, 2021

FACTS WHAT DOES AMERICAN CREDIT ACCEPTANCE, LLC DO

WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to
Why? limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your
personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This
information can include:
What?
▪ Social Security number and income
▪ Account balances and payment history
▪ Employment information and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the
How?
section below, we list the reasons financial companies can share their customers’ personal information; the
reasons American Credit Acceptance, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal Does American Credit

information Acceptance, LLC share? Can you limit this sharing?

For our everyday business purposes –

such as to process your transactions, maintain your
account(s), respond to court orders and legal Yes No
investigations, or report to credit bureaus
For our marketing purposes -
to offer our products and services to you Yes No

For joint marketing with other financial

companies No We don't share

For our affiliates’ everyday business purposes -

information about your transactions and
experiences Yes No

For our affiliates’ everyday business purposes

information about your creditworthiness No We don't share

For our affiliates to market to you

We don't share
No
For our nonaffiliates to market to you
No We don't share

Questions? Call 866-544-3430 or go to [Link]

 Page 2

Who we are

Who is providing this notice? American Credit Acceptance, LLC

What we do

How does American Credit Acceptance, LLC protect my To protect your personal information from unauthorized access and
personal information? use, we use security measures that comply with federal law. These
measures include computer safeguards and secured files and
buildings.

How does American Credit Acceptance, LLC collect my We collect your personal information, for example, when you:
personal information? ▪ apply for financing
▪ give us your income information or provide employment
information
▪ pay your bills or give us your contact information

We also collect your personal information from others, such as credit

bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:
▪ sharing for affiliates’ everyday business purposes -
information about your creditworthiness
▪ affiliates from using your information to market to you
▪ sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights
to limit sharing.

Definitions
Companies related by common ownership or control. They can be
Affiliates financial and nonfinancial companies.
▪ American Credit Acceptance, LLC does not share with our
affiliates.
Companies not related by common ownership or control. They can be
Nonaffiliates financial and nonfinancial companies.
▪ American Credit Acceptance, LLC does not share with
nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that

Joint Marketing together market financial products or services to you.
▪ American Credit Acceptance, LLC does not jointly market.

Other Important Information

Vermont Residents: Under Vermont law, we will not share information we collect about Vermont residents with nonaffiliates,
unless the law allows. For example, we may share information with your consent or to service your accounts. We will not share
information about your creditworthiness among our affiliates except with your consent, but we may share information about our
transactions or experiences with you with our affiliates without your consent.
California Residents: Under California law, we will not share information we collect about you with nonaffiliates, unless the law
allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our
affiliates to the extent required by California law.