American Credit Acceptance Scam to collect additional fees South Carolina!!. I think we are seeing yet another Well Fargo scam with American Credit Acceptance. Here’s how it goes. (1) Take out a loan. (2) Sign our paperwork and provide ACA with your bank and routing information so they can make direct withdrawals from your bank (they insist on this). (3) Something “goes wrong” – in my case the dates on two forms did not match up – and they do not withdraw funds. (4) Your account begins accruing large fees. (5) ACA does NOT send you an email, calls you from an 800 number (who doesn’t let these go to voicemail these days) but they are not authorized (by themselves) to leave a message! No notice by mail or email. (6) After two months (during which you think everything is going fine) you receive a standard statement (finally) on the SAME DAY your vehicle is towed without a call, letter, knock on the door, NOTHING. (7) You spend hours figuring out where your car went wasting police time. When you do you are informed that now there are fees, LOTS OF FEES. (8) Almost a thousand dollars later you get your vehicle back (if you get to it in 3 days before it is sent to auction) unless you had to rent a car and take taxi’s then your out more money and I wonder what the credit ramifications are? (8) But you are fortunate, you have learned an important life lesson – NEVER deal with American Credit Acceptance!