Credit Acceptance Corp

Neither my family nor I have ever done business with these jerks, not even with their competitors. Yet, they call me up to 6 times a day, nearly every day, 7 days a week, and have been doing that since sometime in 2011. Yes, I am on the Do Not Call Registry and, yes, I complain to them daily. It does no good. I still get calls every couple of hours, from 8:14am until after 8pm and it ties up my phone. I'd be delighted to take part in a class action suit for harassment.

My mom and I were buying an SUV. She died in December 2011. I made January's payment and continue to talk with CAC. I was being told I was on the title and that it would be easy to put my name on the title, so I could get tags, etc. on it and that CAC would work with me on this. So in February, March, and April, they didn't take a payment. Supposedly, I was told they would work with me but couldn't refinance the payments but would wait till my mom's life insurance came in and let me pay the whole thing off.

When David in titles wrote and sent paperwork to the DMV, I received a letter stating I would have to go to court to open my mom's estate then I could get my name on the title. Due to the carelessness of CAC, someone made a mistake on my name not being on the title but just on the loan as a co-signer. On April 11, they called me, wanting a payment. When I told her I didn't have it and that CAC said they were working with me till my mom's life insurance came in, she said they were no longer able to do that and that I would be in repo status on April 25.

My hands are tied on this. I'm not sure I have a legal right, and I just know that the people I have talked to that work with CAC have lied to me from January on. And now, I and my son are without a car and live in the country. I had also called them every so often to update them on my mom's life insurance, so they would know what was going on.

Today, some girl tried to tell me I had always been behind on my payments and they were auto pay on the 1st of each month. No way was I ever late on payments until February 2012. These people lie and don't care about their clients. I only found out they do not refinance, even when someone is in a major situation. If you're a good payer and you're 1/2 through your payments, they should look at your history and work with you instead of saying they can't. Of course, they can, if they wanted to.

I took out a loan in December 2010 for a pickup truck. I have been late a number of times on my loan but never over 30 days and usually just a few days past the late date. I have a good job now and have just set up auto payments with my bank to get my payment there between the due date and the grace period. As soon as the due date is past, I am getting calls and threats to repossess my truck. Is there any legal way I can stop this harassment?

The car I was financed for was $2500, of which I put down $1500. So I had to finance the rest totaling to $5000, which was ridiculous. I realize now that within a month I had to have $700.00 worth of work done. Then, two months later the shop said it was unrepairable. I let Credit Acceptance know the car was a lemon. You allow any dealership to finance lemons, so now it's killing my credit report and I might just have to settle and pay.

My father-in-law, who is in his 70's, purchased a vehicle financed through Credit Acceptance Corp. on 11/08/2011. He traded in his truck and paid an additional down payment. On 12/08/2012, his first payment was due and was made. On 1/8/2012, his second payment was due with a late date listed as 1/18/2012. On 1/20/2012, his battery went dead in the truck which apparently disabled some tracking device on the vehicle.

On 1/23/2012, his truck was repossessed. Upon calling to inquire as to why they would repo his car over a few days, I was told that he disabled his tracking device so that sent and automatic repo order through the computer system and the repo company had just found it. They said he was hiding it from them to prevent the repo. Really?! He though his car which was 5 days behind on payment was up for repo? It was broken down in the front yard of his home, which is listed on the contract. Yet they say he had been hiding it from them. I asked why no one called to ask if his battery had gone dead and I was told that on the 9th of January with no payment, he could have been subject to repo and they were nice enough to wait an additional few days. They also said had his battery never gone dead, they would have called to inquire about his payment. FYI - the vehicle has not been registered and they do not have a perfected lien on the truck.

The dealership screwed up the contract and listed the sales tax amount as N/A and did not explain to the 78 year old buyer that he would have to pay $1,000.00 in taxes to register the vehicle, which is why his payment was late. I have the title and all paperwork to register, which it took the dealership 2 months to send to him and in the contract, it does not specify that he can be held in default within the same month that the payment is due. I know they don't have to call or notify him that his payment is due, but he got rookie doomed by the dealership and the finance company.

He lost his trade in and his new truck when the payment book says amount due if paid before 1/8/2012 - amount due of paid after 1/18/2012 - now they want the payment plus over $200 in repo fees. Not fair, they are helping dealerships acquire vehicles on trade in to resale - then repossessing the new vehicle when the payment is not even 2 weeks late. Actually, only 5 days late.

While being interviewed for a sales position with Credit Acceptance, I couldn't help but notice that I was being secretly filmed during the interview. Of course, their come back will always be "we do this for training purposes". However, I did not sign a release form allowing this. I am very insulted and feel that it did have a bearing on the outcome.

A very, very bad experience. No stars deserved.

I financed a car with Credit Acceptance Corp. (CAC) in October of 2010. Payment coupon book reflects payments due on 7th of each month and late fee assessed if received after 17th of each month. I used my bank's online bill-pay to make payments.

After 1 year of making/receiving every payment on or before the due date of 7th, this month there is a problem. I made the payment as usual online and it was reflected as having been mailed to CAC on Monday, October 3.

On Monday evening, October 10, upon returning home I had a message from CAC to call them. I also had an angry message from my client in California that Credit Acceptance was trying to contact me and wanted my phone number from them. CAC had left a phone number and contact name with my client in California so they could get me the message. (I live in Florida. I have the same phone number and address/contact information I had at the time of financing 1 year ago. Nothing has changed. I am self-employed. I have a contract with this client in California. I work from my home.)

I called CAC Monday evening, October 10 (bank and mail holiday) after receiving the above messages. I spoke to Vrad **. I was informed by Mr. ** that CAC had not received my car payment due on Friday, October 7. I got online with my bank and informed him the bank reflects having mailed my payment on the Monday, October 3. He stated that, "You are considered a slow pay if your payment is not received by the due date." He verified that late fees are not assessed until 18th of month.

When I inquired about CAC calling my client in California asking them for my phone number (as if they did not have this information), he replied that, "When you are a slow pay, you go into Collections and we make phone calls to track you down." He thought this California number was my place of employment. He offered no apology. (Again, this was Monday October 10, the same day the message was left at my home, and the payment was due on Friday October 7.) He stated, "When online banking is free they are slow to mail payments and sometimes say they mail payments sooner than they did." He told me, "You need to make other arrangements to make this payment due on the 7th as we do not have it." After I told him that the client in California was not a point of contact for me and informed him that CAC is not to contact them, he finally agreed to make a note that that number is not to be used as a point of contact. (I had to argue with him and tell him that I can never be reached at that California number as I live in Florida and that that call made me look bad to my client and may jeopardize my livelihood.)

On Tuesday morning, October 11th, I contacted my bank and the representative verified payment was indeed processed on October 2 and mailed on Monday, October 3. At my request, she then placed a three-way call to CAC to verify to them that the payment was mailed when I said it was. I spoke to James **. Mr. ** reiterated the above comments of, "You are in Collections, you are a slow pay, you need to make other arrangements to cover this payment due on Friday, October 7th, that is not received as of this date," all the while my bank representative was on the phone. He then told me I need to make sure payment is mailed 10-14 days prior to due date in order for them to receive by due date." My bank representative asked, "Why is that?" Then he blamed the U.S. Mail for being unreliable.

It has been my experience that 5 business days is sufficient for mail to go from Florida to Detroit and every other payment has been received by the due date. There was no apology for calling my client in California when I addressed that. He did agree to make a note not to use that as contact number, but stated that, "Because your payment is late and you are in Collections, I cannot guarantee they will not be called."

I thanked the bank representative for her time and ended the call. Again, this is Tuesday, October 11th, 2011, one business day past the due date of Friday, October 7th.

My plan is to wait to see if the check posts tonight or tomorrow before issuing a stop check and making payment by some other immediate method at a fee. Then I would not have to worry about CAC trying to cash the stopped check and causing more problems and/or charging fees. Obviously, there is no trust with these people and their questionable business practices.

I am appalled. I have no idea what to expect of a business that conducts itself this way.

They have impugned my character by representing themselves as "Collections trying to track me down" with my client in California as well as making these types of statements with my banker on the phone.

I do not have any idea what my legal rights are in this situation. Can they legally come and repossess my car in this situation? Can they legally make phone calls to my client in California impugning my character for a payment that is not even one business day late?

Please tell me there are laws to protect people from this type of harassing business practice under these circumstances that is inappropriate at best!

Please advise me what my rights are here.

Consequences of their actions are unknown at this point, Tuesday, October 11th, 2011, other than causing me a great deal of embarrassment and hassle for no real good reason. My client was not happy and does not like to be bothered by this sort of thing, obviously. Who knows how this has adversely affected my relationship with my client. This is my entire livelihood!

These are questionable business practices at best! I have no idea what to expect next from these idiots. If this is how they treat a customer with an excellent payment history, I can only imagine what they do to others.

Please advise. I need to know what my legal rights are here.

I bought a truck in 2007. The car was junk! Not even 1 month later, everything went wrong with it, but I continued to make the payments. The truck was halfway paid off and I could not afford to make the payments and continue to keep fixing on a car I could not drive! I told them to repo the truck and they told me "no, we passed on the car to you. The car is yours regardless, and you still need to make the payments even though we will not come and get it, or we will put it on your credit and sue!"

I pay my car payment automatically. I set it up through Western Union as they requested. I received a due date and for 1 and 1/2 years, I have made every payment on time. Every single month they call numerous times a day after I made the payment, and harass me about my payment being late. They threaten me with repossession, fees and credit issues. I ask them to stop and they try to shout me down on the phone. Then it stops just to restart next month.

I only rated them as one star because this system does not take zero stars as an option.

This company is a complete and total sham! At first I thought it was great that a company would give me a car loan to help rebuild my credit. But no! All I've gotten since Day 1 is a headache. My first payment was in June and they've gotten every payment thus far. Now I got laid off, so my mother is helping me pay my car. I let them know this ASAP and updated them with my new cellphone number and my mother's cell phone number. My car is due on the 6th, late as of the 16th.

They contacted my mother on the 15th and she told them that due to the hurricane, she would be making the payment late. There's no problem, they said. This morning at 4 o'clock, there was a guy outside my house. My boyfriend asked what he's doing and he told him he's taking pictures for insurance purposes because the payment was late and they want to make sure there's no damage to the vehicle. There was none! Then when I woke up this morning, my vehicle is gone! I called the bank after my boyfriend told me what happened earlier and they expect me to pay double what my payment is for repossession fees. They proceeded to tell me that every time they call we hang up on them. I asked what number were they calling and what do you know? My old number which I updated months ago! Funny how for anything else they can get in contact with me, but this time conveniently they called my old number. Ridiculous!

I purchased a car through Credit Acceptance in December 2010. It has been a nightmare ever since. On July 23, 2011, I went to my car to go to work and it was gone. I called Credit Acceptance and they told me I had not made a payment for the month of July yet. That was incorrect. My payment is due on the 13th and I have a 10-day grace period. I had already paid $100 and was going to pay the rest that day.

Instead, I had to pay $621 to get my car back plus $25 for my belongings that were in it. And drive 1 and 1/2 hours to get my car back. Oh yes, and missed 2 days of work because of all this.

Then when I got the car back, they raised my payment over $100 to cover all the cost "they" incurred. I paid my increased payment in August and paid part in September and now they are saying they have not received any payments and I owe them $1,100. They want to come and get my car!

What is wrong with these people?

I signed up to use their automatic withdrawal system. I set it up so that my payments came out on the 15th and the 30th, and I have been paying this way for two months now. I received a call today stating that I was late on my payment. I asked how could that be when the money is automatically withdrawn on the day that it is scheduled. I have always had the money in there. She explained that because the payment on the 30th falls more than 10 days past my due date (which is the 15th), I accrue late fees and reports on my credit that they are late. They use Western Union as the source to withdraw the funds.

When I set it up online, it gives you the option to choose what days to pay. If this did not fall within my "due date," why did they allow me to choose that? I do not think it is fair that I have been making the payments on time, on the day I promised, and have to pay $11 each time with a bad report! I will never use this company again. It was never explained to me that I could not pick a day to pay ten days after the original due date or accrue late fees. This is completely not fair.

I was in the hospital and I called credit acceptance to let them know i would make my payment on july 21 which was two days later when i got out the hospital i got out the hospital and went to the wound care doctor. By the time i got to my mothers,and went into the kitchen to sit down they were hooking my car up the next door neighboor knocked on the door to let me know what was going on. I got in touch with credit acceptance and explained that i just got out the hospital and i was going to make my payment as soon as i rest for a minute, i told them that i could bring in the hospital papers , so they could tell i was not lieing. know one was interested but said i told the attended in 2 weeks before i could make the payments,If that was true how could i let them take the money out my account right then and a extra 250.00 i think it was very unfair because i had a couple of toes remove and the attended was very rude over the phone with me.

until I get payed the 15 of every month and on the 30 my whole check go on my rent. please responed? soon thank you so much Pastella Varnes and some kind of action should be taken against the attendant for putting through this .

My monthly car payment was posted to the wrong person's account and because the problem never got cleared up after multiple calls stating it was. My car was cut off in error and it took them over a week in a half to clear the problem up. Tamika ** never, ever, ever helped me like she said she would. She is a liar and the gentleman that fixed it said she never touched the problem. The issue just sat there with no resolution. I had to due to no fault of my own, catch a cab to work and catch a cab back home with a 3-year old and the problem was never mine to begin with. I have written a letter to headquarters and next I'm getting an attorney because I was treated horribly.

I had purchased a car from them in 2000. After 2 weeks of having in the transmission was going and the company I bought it from told me that they would not fix because I bought it as is, so therefore, I did not pay the payments. They came and repossessed the car and for 4 years, I now have had $450-$500 a month garnished from my check.

I bought the car for only $8000.00, put $1500.00 down and so far have paid almost $20,000 on that car. They said that I am paying on the interest (so the balance of the car is not being paid off ) that's ** . I am contacting an attorney and they want all the paperwork but reading this we will see how that goes. By the way, I just got a notice saying I still owe $4,374.34 and I have paid over $20,000. Never do business with this company!

I am writing this on behalf of my boyfriend who has financed a 2004 Jeep Liberty through CAC. My boyfriend says he is two payments behind on the loan and had planned on making the payments this week, as he is getting a large sum of money from which he will be catching up on the payments. However, this morning the repossession man came to get the car and informed my boyfriend that he is 5 months behind, which is a total lie. As I said, he is only 2 months behind (Sept. and Oct.), and he has the receipts from the money orders to prove it.

When my boyfriend spoke to CAC they said that hadn't received a payment in 5 months (again, another lie). CAC is sending a summary of the account with all payments made to date and we will be sending them copies of the money order stubs so that they can fix their records. I told my boyfriend that he is to send all payments from now on by certified mail only, or do Money Gram and keep all receipts. He also needs to follow up with these people after the fact, so they don't try to ***** him over again! This company is crooked!

This company finances my vehicle. My payment was due on 08/16/10. I contacted the company on 08/12/10 to get an extension on my payment. It was agreed that I would mail my payment on 08/23/10. I did mail my payment on that date. On 08/27/10, my vehicle was placed in repossession and an interruption was activated so that I cannot start my vehicle. I was unable to go to work due to not having a working vehicle.

I missed my car payment for the month of April. They were supposed to shut my car off but instead they came and repossessed it. They told me that I had to pay the month that I missed and the following month and a towing fee to get my car back. I paid these then after my car was released, they told me that I had to pay extra fees that I was never told about, that they made up along the way. They told me they weren't aware of the fees until after the car was released

They told me that they would add it on to my monthly payment a little bit at a time. They added on two hundred dollars a month on to my monthly bill of 404 dollars a month. They did not inform me that it was a contract. They pushed my payment back for me a month and gave me a new payment date which was June the eleventh. which is my normal payment date.

My finances aren't good right now so i didn't pay it on June the eleventh. When I called to see how much the payment was, they told me that is was a thousand something dollars and it was this much because I broke a contract that I wasn't aware of and then they told me that I was backed in payments because the money that they told me was going towards my car payments was actually a redemption fee. So they put the money elsewhere than where it was supposed to go, then changed what they said the money was for again and said it was for backed up car payments. Then they said the extra fees came from them giving me my car back because it cost more for them to give the car back than to sell it.

I HAVE NEVER DONE BUSINESS WITH CREDIT ACCEPTANCE IN ALL MY DAYS, THEY ARE TOTAL IDIOTS AND DO NOT KNOW WHO THEY ARE CALLING. They have called my number at least 20 times in the past two weeks, and have called in the past. They seem to call sporadically about once every three months, and this happens to be their "ON" period for some unknown reason.

I work for a real estate office , this company has called us everyday for the last 5 months, looking for a former employee. We have told them everytime that this person has moved to California. We have asked them everytime to stop calling, I have even called there phone number and told them not to call and they always promise to stop but they call everyday. The last time they called from this number I told them I would take whatever action I had to to get rid of them.

The last two days they call from a different number which pops up on my caller ID as INTL GATEWAY when I try to call the number back it say this number is no longer in service. I have called my telephone service provider to see if the calls can be blocked, however there is nothing they can do. I would like to know what, if any options we have to deal with these people. They all speak with an Indian accent so I'm not sure if they are in the U.S.

my truck was financed thru them and it was the warst mistake ever made.they start calling two weeks before my payment is due(&every day after) and they call every number they have listed for me.my mother and myself hve already told em this is harrassment and they still will not stop the harrassment.i am to the point that i either want to let my truck go or i want to refinance with someone else,either way,i've got to do something.

I purchased a car and was financed through Credit Acceptance in 2002 for $12,995 for 5 years. In 2004 the car was reposed and reported to my credit as a charge off with bal. of $9,635 in Dec. of 2004. I wanted this matter rectified, so I contacted Credit Acceptance in Feb. of 2005 to settle out the debt. When I spoke with a rep. for their company they told me my account was with their attorney and stated they had to transfer me to their attorney but of course they transferred me to another collector. Now keep in mind I was calling to pay the bill.

The next collector when asked how much the balance is now keeping in mind my credit report as of Dec. of 2004 stated the balance was just over $9,000 he stated I owed over $23,000. This was ridiculous. I asked him how it got so much in a matter of 2 months he couldnt tell me. He said a lot was due to interest. So I asked him what am I accruing $7,000 a month in interest? He stated he didnt know and also there are attorney fees and court cost that apply. My next statement is I havent been to court yet and Im calling to pay the balance that showed on my credit report. Also I know the vehicle was sold ( of course for less than what I owed ) but how could the bal triple in such a capacity as that in 2 months time. I pulled my credit report last month and the debt is now over $30,000. This company refuses to send me validation of the debt or any paperwork as to why the balance is so much and steady climbing.

I bought a Ford Windstar SEL 2001 from Otto Mitsubishi -Clifton Park, NY in March 2005, and was told because I have bad credit, I could only get financing from one company: Credit Acceptance Corporation or CAC. It's been a nightmare since. It started with them demanding car payments already made. Granted there were two late payments but to protect myself I began sending future payments Western Union Quick Collect. They denied receiving one of those payments although proof was faxed to them numerous times and Western Union as confimed that CAC did receive all payments.

Meanwhile, the car has broken down numerous times -1st time was the week I bought it. CAC had demanded I buy a warranty that I pay $100 dollars a month for - the vehicle could not leave the dealership unless I bought this warranty. When I called OTTO to fix the problems they refuse to honor a loaner rental, agreed to in the contract. I ended up pulling fuses out of the car to solve some of the problems. Now half of the electrical doesn't work.

The vehicle was repossessed August 19, 2005 with all payments current. Now I have no car. CAC is demanding $800 dollars for repossession fees and 1 advanced car payment. They claim to have cancelled the repossession order weeks ago and don't know why the repo company took the car. When I called the repo company they said that was not the case. The car is schedule for shipment to Syracuse, NY in a few days. I have a feeling I have been taken by CAC and Otto Mitsubishi because according to another creditor I owe CAC $25,000 for a car that retails for $11,000 and I am now concerned about hidden charges and what is going to happen to my already tarnished credit report. I am in the process of buying a home and this will kill that deal.