What to do when an American Credit Acceptance account holder dies
Report the death to American Credit Acceptance Titles Department at 1-866-544-3430
Notifying American Credit Acceptance of a death is not a claim for money — it is the step that stops the account, fixes the balance owed as of the date of death, and puts American Credit Acceptance on notice as a creditor of the estate. American Credit Acceptance Titles Department (1-866-544-3430) handles it.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting American Credit Acceptance.
Death claim process
Follow these steps to file a death claim with American Credit Acceptance:
Filing a claim
- By email, ACA's preferred method: TitlesOutBound@ACAcceptance.com
- By fax: 866-740-0571
- By mail: Titles Department, American Credit Acceptance, LLC, 961 E. Main St., Spartanburg, SC 29302
- After ACA receives the documentation and sends the title on, the DMV should complete the name removal about three weeks after receipt
- For a related state-change transfer, ACA takes up to two weeks to prepare the title, plus about one more week at the DMV
- An estate paying by mailed check needs the 10-day figure, not the same-day one
- The Payment Options page, whose Dallas addresses "are for payments and payoffs only", and the FAQ: American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531
- Overnight: Lockbox Services 204531, 2975 Regent Blvd Suite #100, Irving, TX 75063
- The Contact Us page: American Credit Acceptance, 961 E Main St, Spartanburg, SC 29302
- Mail a check at least 5 business days before the due date
- Or pay through the Customer Portal, the automated line at 1-866-544-3430, MoneyGram (receive code 3530), CheckFreePay at most Walmart locations, or Western Union (biller code ACA GA)
- Mastercard and VISA debit cards are accepted, credit only on Mastercard, and prepaid cards must carry the STAR logo
- ACA asks that a dispute be submitted to it in writing (or through the credit bureau) first, and says calling before submitting may limit what it can discuss
- The form has a "Liability for Account" ground, and ACA commits to resolving a claim within 30 days of receipt
- Mail it to American Credit Acceptance, LLC, ATTN: Credit Disputes, 961 E. Main Street, Spartanburg, SC 29302
- Send the SCRA Rate Reduction Request Form with a copy of the orders to Attn: SCRA Request, 961 E. Main Street, Spartanburg, SC 29302
- Or email them to SCRA@acacceptance.com
- Email TitlesOutBound@ACAcceptance.com, ACA's preferred channel
- Or fax 866-740-0571
- Or mail Titles Department, American Credit Acceptance, LLC, 961 E. Main St., Spartanburg, SC 29302
- The Payment Options page and FAQ give American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (overnight: Lockbox Services 204531, 2975 Regent Blvd Suite #100, Irving, TX 75063)
- The Contact Us page gives 961 E Main St, Spartanburg, SC 29302 for payoffs
Required Documents
- Copy of the death certificate
- Address of the DMV that will process the title change, with the death certificate, to remove the deceased borrower from the title
- The 11-digit American Credit Acceptance customer account numberOn the check and on all correspondence.
- Payment voucher and customer name, on any payoff check
- Letters Testamentary or Letters of Administration, or a small estate affidavit, if ACA asks for proof of authority over the estate
Claims Contact
Website: Online portal →
Forms American Credit Acceptance issues2
- Consumer Credit Dispute Form
Available to download.1
- SCRA Rate Reduction Request Form
Sent by the institution on request.2
What happens to each kind of account1
- Loan
Interest accrues daily on the simple-interest contract, and ACA applies a late payment mostly to interest rather than principal. The vehicle secures the loan, so a missed payment can lead to repossession.2
ACA does not offer contract refinancing: an heir who wants to keep the vehicle pays off the balance or refinances it with another lender. Once the loan is satisfied, ACA's lien can be released and the title cleared.2
Accounts handled elsewhere1
- ACA Insurance Department
A vehicle damaged or totaled after the death; have the claim number and the insurance agent's phone number2
Phone: 1-855-292-6430
Email: Insurance@acacceptance.com
Mailing address: Attn: Insurance Department, 961 East Main Street, Spartanburg, SC 29302. Insurance payment checks: PO Box 935907, Atlanta, GA 31191-5907
What American Credit Acceptance provides to the estate1
Not in American Credit Acceptance's published guidance3
- A department for deceased-customer accounts
- A claim form
- How long a claim takes
Sources3
American Credit Acceptance Titles Department can be reached by phone at 1-866-544-3430, email at TitlesOutBound@ACAcceptance.com, and fax at 1-866-740-0571 for questions throughout the claims process.
Sources
Data sourced from American Credit Acceptance primary sources (8 pages reviewed). How we research.
American Credit Acceptance death claims support
American Credit Acceptance Titles Department (deceased borrower / title name removal)
Phone
Fax
Hours
Mailing address
Website
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