Credit Acceptance Corp Reviews

I have spoken to representatives on more than one occasion. They are rude and difficult to work with in regards to speaking with account holders. They have refused to speak to my husband in the past. They have proceeded to cancel our autopay due to a payment arrangement that I requested. They told me that they have to speak with him to get permission to use a debit card to restart autopay. He unfortunately can't do that due to the refusal to speak with him even though we have a joint account with Credit Acceptance. I personal do not recommended Credit Acceptance for anyone that is looking for an auto loan.

I was 83.00 short on my payment and I called and explained why I was late and they reported it to the credit bureau. First time in 2 1/2 years and I paid it within the 30 days. They really could have worked with me on this. Never again will I want another loan with them.

I have a loan currently with Credit Acceptance and it was the worst mistake I could have made. Now 4 yr term hanging over my head. It does not pay to be desperate with car buying and they don’t care if you late or jobless even during the pandemic! Blood suckers and heartless.

I was always a week or so late with my payment, but once I became unemployed, my payments became even later. They would call every day until I set up some kind of payment arrangement or gave them some sort of payment. I was never required to provide them with the total amount, not only that they didn't repo my car when I feel like they really should have. They worked with me, the customer service was excellent, and I appreciate them being so patient and lenient. I'm not sure why everyone else had a bad experience with him, but my experience was terrific. The only issue I have is I haven't received my title. Thanks, Credit Acceptance.

In short, horrible company. Massachusetts already did a class action lawsuit and I am looking into it for Indiana. We over paid for the vehicle we had. We got it running and we traded it in. We still owed $ 2,800 which we did the 10 day payout and it was originally 2,100 and within hours that amount started going up. We were lucky enough to have 2 trade INS. A dealer wanted them for an Lexus LS 430 that we wanted. They paid the remainder balance of the vehicle we had that was barely running AND THE PHONE CALLS ALL DAY FINALLY STOPPED. That last $2-3 grand you just can't get away from. Never ever again!

The company was not helpful during the closing of the world and even now. Due to me not working I am trying my best to pay my payments with what little money I have from unemployment and it's not easy. I too like many others have other bills to But this company keep calling when I didn't make a payment but knew my situation. This company does not have refinancing which I know my payments would be lower. Then if you pay online it's a charge but you do auto pay no charge. Where is the compassion. It wasn't my fault that the world got shut down. This company to me does not honor or again have compassion for its customers. I am very disappointed and annoying by the phone calls over and over. Makes no sense!!!!

So I bought this 07 Ford 500 back in March of 2018. I made payments on time, then I wasn't able to make payments or borrow money from anyone. Fast forward to 2019, they had repossessed my car in October. I had to pay $150 in order to get my wallet with my license out of it to show proof of ID. Then I made the mistake of redeeming the car back because I had no other transportation for my 5 year old and myself. My payments went from 214.30/month to 400/month. I wasn't able to afford that either. In 2020 I had got into a car accident (being a pedestrian) and fractured my hip.

Updated on 4/27/2021: First, I cannot stress enough to keep anything and everything that you have received from Credit Acceptance or in the event of an accident, all papers pertaining to that accident, so you have it in your possession should you need to battle them over anything. The hit-and-run accident that totaled my vehicle was on March 8; GAP insurance paid their share on April 21, so expect that GAP process to go quite a bit more slowly than the settlement presented by your auto insurer. Yesterday I received a statement from Wynn regarding my GAP payout, and this is where I cannot tell you enough: keep anything and everything that applies to your vehicle, payments or insurance.

I got a loan in Jan. 2020 for a 2009 Honda Accord 2 dr. Fast forward to March 2021, the front axle, ball joint etc, broke while I was driving. I lost control of the vehicle. After inspection of damage, it's being ruled as a mechanical failure. And is not covered by my insurance nor by my GAP. So now I am left with a $4000 balance on my loan to pay off for a vehicle that is totaled, it would cost more to fix than it's worth. NO ONE at this company will help me. It's either I pay off the loan or do a voluntary surrender, which is still considered a repo and will destroy my credit.

So at the beginning of the pandemic, March 2020, Credit Acceptance advised that they would be working with people who were out of work due to the pandemic and set them up on a payment plans. They advised to me that I would be able to skip the month of April and they can set up a payment plan by adding 100.00 on my car note for the next 5 months. They did not advise to me, that for those 5 months I would have a late payment reported to my credit report. So when I go to pull my credit, I see 5 missed payments, and no payment made in April.

I have a delinquent account with credit acceptance from 2017 where I voluntarily turned in a dealer inspected Jeep Cherokee that I had just purchased 8 months prior. My husband was relocated out of state and we could only take the vehicle we paid for because we just didn't want the headache of paying the note on an additional vehicle and the relocation could not be avoided so we turned in the jeep and they came and picked it up and again was only 8 months into the contract with a $2000 down payment so the vehicle was not damaged mechanically or outside at all so to resale it at auction should have been $9000 per Kelly blue book I checked at that time.

Last year I set up my payments to be done via Auto Pay with Credit Acceptance. Every month I would get a confirmation and when my next auto pay date would be. I received confirmation texts until Monday and on that day my car was taken. I checked my banking institution and saw that all payments were made up until December then none this year and there was never an attempt to even collect the payments by them. I was not notified of missed payments. I actually received an email the day they took my car stating that my next auto payment was scheduled for the 4/15/2021. Nothing on my account information has changed. No new card. No new expiration date. No new CRV #. No new address. No new phone number. I’m paying on a car that hasn’t run for a long time and when it does get going it’s not for long. I was told I should have filed with the DMV to report its status when it didn’t run but was unaware that doing so was an option.

I bought a car in 2013. On 10/2014 I got in the car accident which the car was totaled. My insurance was unable to pay the full amount that was due because I didn’t have gap insurance. I was told to pay $3000 that day or make a payment plan which I did. I was 18, I didn’t have $3000 at hand. I paid off the car a year and a half later ON TIME. I looked at my credit report with the 3 different credit bureaus and realize that I was put into collections. When I called them to ask why they told me they put me in collections to make a payment plan. Which I was never aware of, they told me in order to make a payment plan that’s what they had to do. I asked him, "When did I agree to this?" They said over the phone which I did not do. I would never agree to be in collections as I know that would hurt my credit. Especially since I was paying them on time since I got the loan, being put in collections would reflect that I was not consistent with my payments.

Whomever decides to do a mass lawsuit against this company, I am all in. Just like a lot of people, I was in desperate need of a vehicle. I went down the street to a nearby car lot and purchased a 2014 Nissan Altima for $15000.00 with a down payment of $1700. That came out to $27,900.00 or something to that affect. That's $12000.00 in interest, more than half the amount for the cost of the car. I made my payments on time for almost 2 yrs. Due to the pandemic I was unable to continue paying on the car. I called the company to pick it up and when they decided to pick it up, I was not available. About 2 weeks later I called the same people back that had originally contacted me, anyway the guy came and picked up the car. Little did I know, he didn't return it. So now I have to report the car stolen because of course Credit Acceptance had no idea who they sent the contract to, later on i find out that they canceled the pick up a week or 2 later.

I wish it was a half star or no star option! May of 2020 I began having issues with my car. As a Mother’s Day gift my husband decided to take the $3800 he saved and put it towards a better vehicle. Upon car shopping I came across a 2012 Mazda CX-9. I should’ve known something was up by the way the dealer was acting all excited like yeah another sucker ????. My husband and I had been working on our credit so it was decent to be able to purchase a vehicle. I was lied to from the beginning to the end. Here I am thinking I’m paying $10,000 for a car and I get home and my paperwork, which I didn’t get to see until after we signed it says $7,000 in interest was added and $18,000 if you include the $1600 that bull crap of a warranty they made sound so good.

In October of 2018 I went to Cactus Auto in Tucson, AZ and put a $4500 down payment on a truck. I needed a vehicle that would be reliable because I have a farm and needed to be able to do various farm duties, haul water weekly and haul hay. I noticed a few issues with the truck but decided they were minimal cheap issues. The only lender that would accept me based in my credit history was Credit Acceptance. I took the truck to my mechanic after purchase and paid $1500 to have the CV Axle fixed and the fuel evap canister recall done on my truck. Both of these things the dealer should have seen but that is hindsight.

I honestly believe this company totally takes advantage of borrowers as most, if not all of their borrowers either bad credit or no credit. Likewise, these borrowers do not have adequate cash to purchase a car with cash. Due to having poor credit, their customers are unable to secure a auto loan at reputable dealership with a reputable lender. In most of these case, both the dealership and lender, Credit Acceptance, jointly take advantage of already struggle individuals. The dealership will grossly overcharge for the vehicle with the with full knowledge and confidence that Credit Acceptance will finance the vehicle regardless of whether or not the purchase price significantly exceeds the value of the vehicle.

Had a autoloan for 24 months, never missed a payment. But screws over customers when comes time for pay off. They wont (and has never offered this service) to 10 day hold for pay off. Nope! Interest keeps going!

I have contacted Superior Protection, Credit Acceptance and now I'm being told a company I never heard of or been told about called SouthwestRe has my contract. I'm going to start from the beginning. I purchased a 2009 Jeep Patriot on 01/13/2021, three days later the engine light came on. I called the dealership that I bought it from and you all financed. At that time, I get, "I will call you back" from them. At this point I have absolutely no faith with the dealership now because for one thing, they tried to sell me the vehicle with no heat.

Hi... So I am one of the latest victims that has a vehicle car loan through Credit Acceptance CORP. My negative experience started with the first payment. I purchased my vehicle in Oct. '20 and my first payment was due on Nov. 30th 2020. I took the company's advice and mailed payment out ten days early to make sure it arrived on time. Actually I mailed my payment out Nov. 18th so it was 12 days early. Anyway Nov. 30th 2020 came and I was under the impression my payment made it there on time. To my surprise I looked on the portal online and it showed my payment was yet not there. How could that be I mailed it 12 days ago?!? I reside in IL and the payment was going to MI so it's not like I was living out of the country for the mail to take 12 days.

I've been an on-time paying customer with Credit Acceptance since 2018. I have made my payments through auto pay since the loan began. In January of this year I began receiving calls from an anonymous MI phone number which I allowed the first few calls to go to vmail. When I begin getting the calls from this number on a Saturday I thought I should find out who it is. I answered hello, they asked if they could speak to Rebecca and before responding this is her I asked who was calling and for what reason. He said he was calling from credit acceptance and asked me to verify my address and birth date. I told him that I wasn't going to provide him with anything unless he states the reason for his call! He says ok and disconnects the call.

Other reviews seem the same as it was back in the late 1990's. I had got suckered into a car I didn't want. Had pay for something I didn't want. After few very high payment back then I had filed for a chapter 7 bankruptcy and after bankruptcy got discharged. I did include Credit Acceptance as a creditors. They tried to sue me luckily attorney I had hired to do chapter 7 went to court and got case thrown out.

I was impacted by the pandemic, I reached out to Credit Acceptance and was told that they do not do deferments, I was told that I could make payment arrangements and they would not report my payment as late to the credit bureau. I noticed that they were reporting me as late and there was no listing of the agreement that I made with an agent on my file and every time I called in, they were requesting another payment when I had just made a payment. The staff would have you on speaker phone and it was very hard to hear them and they would get rude when it was brought to their attention. This is not the company one would want to deal with especially when something out of your control comes up, like the pandemic, they do not work with you, they tell you one thing and do the opposite, they have no compassion for the very people who keep them in business (customers) and my price for my loan changes frequently.

Credit Acceptance agreed to report the CURRENT status of my account when I notified them that I lost my job due to COVID and would need to make payment adjustments. The representative from Credit Acceptance then told me that they were offering a service in which would help people affected from the global pandemic: they would not report negative data to the credit bureaus such as late payments, etc. Instead, they would mark your credit report as "natural disaster", thus protecting your account from any damage. Since then, Credit Acceptance has NOT accurately reported the status of my account when I notified them that I needed to adjust payments. They are incorrectly reporting that I was 60 days late. I notified them in March 2020 and BEFORE March 2020, I had not missed a payment. I still paid after notifying them.

Very greedy company. I am dealing with covid and the representative only concerned about me making a payment that I forgot about. You should train your company to not be so rude during these times. My car was originally $5,000. They put me on payments for a 2012 Ford Fusion. Now it was 11,000. What a rip off. For that price I could of got a new updated car off the lot. They scam people trying to fix your credit and always in your business if you missed a payment. They are not passionate just greedy. I wouldn't recommend this company even if they paid me to write a review for them. I would never ever again.

I have AAA insurance full coverage my car got totaled, AAA sent them the blue book value money of the car which was $7,598 and $0.98 AAA shorted them 10 cents $0.10 so AAA tried to stop the payment and send them the correct payment. Credit Acceptance was supposed to wait to get the payment file gap insurance and have gap insurance pay my car off, well they cashed the check. Sent the Gap claim to gap insurance and gap insurance only paid $1, 347.

To all of those complaining about credit acceptance know this everyone needs to come together and file with the AG or another agency capable of stopping this company from terrorizing us selfishly depleting our hard earned cash. Yes we have signed a contract yes we all need a vehicle. But we don't need a loan company that loves to take advantage of those whose credit isn't the best. This company I have seen and also have experienced them OVERCHARGING for cars that are NOT worth the price. I've seen my vehicle start at 23k and go to 50k!!!

Had our Jeep for a year and it’s been nothing but headaches dealing with this company. Don’t put anything in files especially payment arrangements. Always talking to different people who are very rude and their credit department destroys your credit. Saying I have 5 missed payments when I always made a payment arrangement. Now that we refinanced they keep blowing up my phone for a payment because they thought the check was coming that same day.

My troubles started at the dealership. Picked out a car on a Saturday evening right before the dealership was about to close. Was told we (mom and sis co-signed for me I get paid under the table) were approved. Just needed to come back Monday morning to sign everything. The sales man told me he would have my mom and sis in and out fine no problem (I had to work and the car was going in there name so I didn’t have to be there). They get there 10:45 am and he tells them the finance company won’t finance the 16 Nissan Rogue which was fully loaded so he shows them other car at a higher price. I tell them to get my down payment back and I’ll go somewhere else. The dealer wouldn’t give the money back. At this time it’s about 3 in the afternoon (my sis had to leave to pick up my niece) my mom is a elderly diabetic who had been there and not ate all day.

Completly and a utter rip off - paid my car down to 1900 dollars and the next payment cycle amount owed has changed my original loan was 4700. Ive paid 7450 so far, had my false balance down to 1900, then I look today. They're lying and saying Im four months late trying to get a 900 dollars in car payments from me. And they are threatening to repo my vehicle. Ive never been late... Now my balance is 3900 how. How can you just decide you want to tack on thousands. Not to mention my 08 Chrysler 300 is not even valued over 2500. Now Im upside down on the loan yet again and Ive never missed or been late. Im on ssi now and cant afford to get another loan from somebody honest because of their completely false accord of my history. And it just keeps changing my payoff and raising it up. That's almost 11000 dollars for for a 4700 dollar loan. Help please.

I have dealt with Credit Acceptance since June 2019, didn't have the car for a week and had to put it into the shop for a transmission control module going out in it. Called them and they said it wasn't covered under the extended warranty that was added to my contract without my permission. Have had nothing but issues with this company concerning payments that are supposedly late when they were always on time. Constantly harassing phone calls anywhere between 5 to 7 a day at all hours.

This company allows a person to not make any payments on their vehicle and keep it while impacting the coapplicants credit repeatedly. They refuse to repo. The vehicle ever so if you want a car you don't have to pay for go with them. Ignore their calls. Don't pay any payments and keep driving the vehicle for free.

They are heartless and will hound you if you are only one day late. They repossessed my daughter's car in her high school parking lot for being one day late on our payment. They have terrible customer service and are downright rude and do not care what you have to say. They just want their money! Please do not finance through this company. They should really be shut down and sued.

As a purple heart veteran, this company are heartless and do not care about military personnel. Call them, and you'll see what I mean. Other companies are willing to help and work with you, not this guys. If I could give it a zero, I would.

Payoff by bank check not personal check. Lender said pmt hold 10 biz days - no exceptions & audit takes 4-5 weeks for lien release. Never late on pmts, bank check payoff, multiple stories as to how the process works and when pmt arrived and acct closed, Check21 to prevent payment floats or returned pmts. If my pmts were habitually late, sloppy, bounced, or I was hard to get reach then I could understand the caution. I took ownership for how I ended up in the position to need a subprime lender, but do not deserve to feel as though I am held hostage to an institution where there is no ownership.

I bought a truck and a year later I had a total loss accident, I filed a claim in the department and it’s been almost half a year now and they still have not gave me a final notice on my claim. I’m still paying full price as if I was still driving the truck even though I bought gap insurance when I purchased the truck. This process has been from June till now which today is October 23 of 2020. Please do not purchase off these people if possible.

This company is the absolute worst! I got a car loan from them to build my credit at 21 (they were the only financing company that would approve me and I knew nothing about credit). The car got stolen and was stripped of expensive parts, towed when found and I was unable to fix the car so the payments did not get made because I then needed to find another vehicle. They called me nonstop even with police statements noting these things and tow yard expenses stacking up. A few months later, they served me with papers (via a police officer might I add), and got a court date and time. When I get there, I am then informed that they moved the time up and I had missed it because nobody told me this information sooner.

CA sure enough helps folks that are desperate and that’s the beginning of the issue. I humbly think they should be sued and put out of business and restitution should be granted to all they’ve taken advantage of especially the folks who are still current. The pandemic happened and it affected some more than others. 99.9% of auto loan companies are assisting their borrower with waiving Late fee, holding in a record truck, offering skip payments and even removing negative rating to the bureau IF you were affected by this unforeseen life changing matter. But no not CA.

I will be sure to complain all the way to the top! This company came and repossessed my son's car and caused a lot of damage to our yard. My son passed away I called and told them to get the car. All they had to do was tell me and I would have moved my car so they could have got the other car. Instead they completely damaged my yard and I have a HOA to deal with. They were very rude when I called I sent the death certificate and told them to come get it. This is the worst experience I have ever had. The situation is bad enough as it is but they made it worse now my yard will have to be repaired and there may also be damage to my car. This is very ridiculous and my voice will be heard! They should pay to have my yard repaired!

Credit Acceptance is a business ran on lies and robbery! They are dishonest, scandalous THIEVES and need to be shut down. All of these reviews are completely true and accurate! Run as fast as you can! It is IMPOSSIBLE to pay any vehicle off because the amount doubles each week! When I finally did pay it off, I sent them an extra $100 just to be certain that it would be paid completely off with no questions. Doing business with them was by far the worst mistake I've ever made and I only hope that others will not have to go through the same thing as the rest of us. I have no clue how they have been in business this long. Frauds.

I have horrible credit and was desperate to get out of a bottomless money pit diesel truck I had. Credit acceptance approved me for the truck I wanted. I knew it would be expensive due to my situation. Large down payment and high interest. It is what it is. I'm grateful that they approved me and made my experience pretty seamless and easy. They kept my monthly payments where I am very comfortable and am several months ahead. I have nothing bad to say and glad they were there when I needed help.

In October 2019 I fell behind on my payments for the first time in two and a half years. I called Credit Acceptance to notify them that I wasn't working, therefore I needed to make payment arrangements. They assisted me in setting up payment arrangements; my whole monthly payment plus $45 extra for what I was behind. Credit Acceptance received their monthly payments faithfully through autopay and still reported to the credit bureaus month after month that I was behind.

This company is the devil himself. I had an account with them for a car loan. When I had an accident, my insurance was investigating on the case for months and they finally paid off the account. It’s been 6 years. I still have a negative derogatory from this company on my 3 credit bureaus. I wish they use the same energy they use to destroy people's life in something positive like working with the customers to find a friendly solution. Every year I send them a letter with all proofs showing that it was my insurance fault if the payment was late. It’s not like the account was closed with remaining balance, the insurance paid off the whole account, just it took few months because of the investigation. 6 years guys! I never hated anything in my life like this company. I called them at least 50 times and they still don’t wanna help me. I worked hard to get an excellent credit score and this is only negative item on my 3 scores. I hate them with all my soul.

Never had a problem with them before this pandemic. I was late due to losing my job. I spoke with one rep very helpful. Today this rep very disrespectful. I ask to speak to his supervisor. He put on a coworker. Playing games with people during these times isn’t cool. I’m still trying to speak to a supervisor.

I have been paying 50$ above my payment for two years, THEY HAVE MARKED MY ACCOUNT PAYMENTS LATE FOR THE PAST TWO YEARS AND HAVE RUINED MY CREDIT. My initial loan amount was 15,900. After paying 500.00 per month, I still owe 16400.00 on this vehicle. DO NOT USE CREDIT ACCEPTANCE FOR A LOAN. YOU'LL BE SORRY.

Credit Acceptance should be sued in a class action lawsuit for their predatory and fraudulent way of doing business. This company preys and exploits those with credit issues and makes their contracts very, very suspect at best. I had 3 payments left on car and I paid all my payments, including the late fees as outlined in payment book only to find out at payoff that I literally had added mysterious finance charges added to account - charges I was never informed about, never made aware of. They are very deceitful and should be investigated by the FTC for very questionable lending practices.

I was in an accident in Feb 5, 2020, they got insurance and gap insurance in May 2020, they tell me they update every 15th of the month. They lie. Have me down as 90 days late. Do not use the people. I have to now sue them for trying to damage my credit. Please try other ways. Do not use them.

So this started off smoothly, I set up their auto pay, paid off my previous past full month plus interest and fees. Now they have stopped debiting my account again.... and are claiming I am past due. Their practices are sketchy and borderline illegal. I check my account and the Debit card is still valid and the money is in my account yet this company will not take it. Now they have the balls to claim I am past due when they would not actually take my money.

In short I purchased a car from a local dealer November 2019. After being turned down multiple times I thought maybe this was my only option. It was financed through Credit Acceptance with an considerable amount of interest tacked on, but hey I needed the car so I went with it. From December up until April I made every payment on time. Fortunately the car was totaled in April of 2020. Gap insurance paid everything except $932.00 remaining on the car. My last full car payment was made in May. A few days afterwards I was offered a proposition to settle my loan for $609 which I agreed to settle on May 15, 2020. A month went by without receiving my pay off letter as promised, so I called credit acceptance back to see what the hold up was.

This is twice this company have Fraudulently reported to the credit report of me being late and making my credit score drop down. When I am not late and have auto payment set up and was told I would not have any reports made to the credit company. If I set up auto pay. I just spoke with the company in May about them reporting to the credit report company and made my credit score drop a 126 points down. They replaced it. And now after I just paid my bill they have reported again that I am late when I made my payment two week earlier than I was supposed to have paid it. This is wrong and I am being made to pay for their mistakes on My credit score.

I’m thankful that I was approved for a loan but that’s as far as it goes. I went 2 years with no late payments and when I needed to get help they absolutely will not help or give you more time, they are just argumentative and unhelpful. Now I always run a payment behind, although not a full 30 days and I now refuse to answer their calls every month because I don’t want an argument, I can’t give them what I don’t have and if they would just add the payment to the end of the loan I would be back on track but they refuse to do so, I got behind because of the coronavirus and they positively do not care. I can’t wait to be finished with this company. I wouldn’t recommend this company to anyone. If I could do it over I would just ride the bus until I had better credit to get a loan from a bank that works with people when circumstances arise.

Terrible Company! Harass you with phone calls if you're one ☝️ day late. All they care about is your money and you're not a person to them. They put false information on my credit report and didn’t care.

My credit was horrible, so I had no choice but to go with credit acceptance. I almost wish I would’ve just not bought a car. After one week of being late for a payment, they repossessed the car. And And if you are late at all, they will call you and harass you several times a day even if you communicate the situation of them. And then finally Was able to improve our credit enough to get a better interest rate in a newer car. But after receiving the payoff check credit acceptance still took one last payment out of our bank. Just a very shady company. Next time I will either walk or work from home. But I will never do business with them again.

Had hours heavily cut as a result of Covid-19. Did not qualify for unemployment nor did I ever receive the stimulus check. These people will call you EVERY. SINGLE. DAY. Even if you’re as communicative and as transparent as you can be, all these people care about is getting the money. Probably 95% of the people I know got their car payments deferred; these people will not do that. They’ll even ask if you can borrow the money from someone. Rude, condescending, and downright arrogant. Absolute BS. These people couldn’t care less about you and I. Try a little harder and finance elsewhere.

TERRIBLE! I had no choice but to choose this company because of my credit. Now, I lost my job due to COVID-19 layoffs, called Credit Acceptance about my car loan, and they DEFERRED my April payment. Now, I got a notice in the mail saying I'm LATE 2 MONTHS. Called again and they said they don't defer, sorry for the wrong info. This is absolutely absurd! I'm being punished because of THEIR mistake. They are threatening me with repossession. I have no job, no unemployment because of the long waiting period, so no income, and they specifically told me I would NOT be responsible for that April payment and that it would be deferred to add an extra month onto my loan. Now I'm being penalized because they apparently said something wrong.

I was unable to pick my own car. The one they said I was approved for I've had to put four thousand dollars into. So far contacted them to tell them my transmission went out and was told if I willingly let it go back or stopped paying on it I would be sued. My car is valued at 4,500. I am being charged 14,000 total without the transmission I had to fix after six months with problems starting after two months, not to mention I'm paying 409 a month with 22% interest at a 635 credit score...

This people are so senseless and money hunger. During this pandemic of covid19 the only help they offered was to freeze your account and affect your credit negatively. No extensions and no payment plans. Straight to bend you over and do you hard. In the other hand, my wife financed with Regional Acceptance Corp and they gave her 3 months extension with no questions asked. Credit Acceptance Corp you suck big time...

This company has the worst customer service. If you go through a financial hardship they really don't care about it. All they want is their payments. Constant harassing phone calls, rude and degrading customer service staff. If you explain a late or missed payment they actually ask you to get it from other people. They act like if their corporation is being run by the mob. I wouldn't be surprised if they called me and told they would break my legs if I don't pay. This is how bad their customer service is. So please research this company before taking a loan from them.

I purchased a vehicle in 2017 with barely fair credit. Credit Acceptance granted me a loan at 22% interest rate. After 3 years of on time payments, I received a call that my payment was late. I mailed it 8 days in advance. They wanted me to cancel my check and make a payment over the phone. I declined that offer as I knew they had to have it probably in their mailroom.

Just got financing on my vehicle - they REFUSED to set my due date to what was comfortable for me. And could not tell me when I would incur late fees if I paid 5 days past due date! Rocky tells me that it varies! LOL Really?? He would not give me a direct answer. The customer service is a oxymoron- they are rude, belligerent and condescending. I will be refinancing ASAP!

I purchased my Nissan through an amazing dealership to end up with Credit Acceptance which has the WORST customer service. Every time I’ve called them I have YET to get someone who isn’t rude! They don’t care what situation you’re in and how much you give. I gave them $700 because all that was left to pay was 1k, after my car accident (which was a blessing in disguise because I got a better rate elsewhere!) They consistently harass you for money! Out of $18k all that was left was $300 within a year! That $300 turned into almost another 1k. They throw fees on fees to my account! I told them my situation (My car accident) yet they didn’t care. They took it even a step further to report to the credit bureau that “I Missed a payment”.... I gave $700!

The people who anwser the phones and the ones who take your payments are very rude and don’t show any care for their customers' health nor their situations. They only care about the money. We are all going through rough times right now and they do not care and before this coronavirus came out I was making my payment on time. Now it is hard making it on time because I have limited mask and I have to go to the store to load my money on my card so they can take it off the card but I have to go to the store when I feel safe to do so. To whom it may concern I hope someone reads this and give me some help with this company. If they are doing this to me I am sure they are doing this to other customers also so please some help us.

Just got off the phone with customer service, and because of the pandemic I'm bringing home less than $100 a week. Still waiting on hearing about unemployment and can't pay bills, yet they're still requiring payments. Even Geico and other companies have deferred payments for me. These people really don't care and are only concerned about their money. Now my Jeep won't start and I have no way to get to work, so I won't be able to give them anything anyway!! Stay away from these people!!! Run away, fast and far!!

No help with covid-19, their page says (we care) but truth is they only care about their money. Everyone else is helping but not Credit Acceptance. Please, do not use them! PS- after we hung up I was billed for the car note, thanks for the help smh... Customer service is someone in their Pajamas just paid to ask you ("How much can you pay now and when can you complete the full amount") vs saying ("Hey I understand you’re paying for a car you can’t drive and we want to help just like your car insurance who deducted 15% off the policy)" but you guys.... I hope something or someone important sees what you do to us and we get to reverse this is get our money back. #Professionalthieves.

Purchased a Honda in 2016. Had some credit issues so used this second chance lender. Fell behind in 2019. Made agreement to pay an extra $100 since October. Even though they entered a agreement in 10/2019 they continue to report late payments monthly even with the agreement. Not to mention talking to some reps is like talking to a 9th grade with a attitude. They also lack compassion during Covid-19. No assistance besides a notation in the system. Stay away if you can.

Credit Acceptance started financing my 2019 Mitsubishi Outlander from August of 2019 at 22% and 605$ monthly payment. I have comprehensive insurance coverage on this car with a deductible. On January 29th, 2020, I was involved in a hit and run accident. My car was totaled. To God's glory I am alive. By February 26th, 2020, Credit Acceptance received a check of $16361.71 from the insurance, bringing the balance I owe on the car down to $5768.53. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. And yes, they did get the credit! However, this destiny destroyers have refused to report to the credit bureaus that my balance have been paid.

Credit Acceptance mailed me my title for a 2006 Saturn Vue. And now they say I owe 9.599. They said they sent title because they didn't want to be the lien holder.. I've never in my life received a title if the automobile wasn't paid for!! Why would you send title if not paid..am I right or wrong.. They keep reporting negative to credit bureaus ruining my credit. It's not fair.

I purchased a vehicle in 2017. 19000 dollar loan. Final cost 35000 and in 2.8 years only has my payoff balance at 11500. Now with covid I called for help. They said they'd notate my account and I wouldn't get any call trying to collect. Then today I got a threat letter stating that if payment was not made by 36 days late they would repo with no possibility for me to reclaim. This is the worst auto loan company I've ever dealt with. If they waited until my business was back to normal they wouldn't have to repo a vehicle that will auction for 1500 leaving them 9500 short of what's owed. They are heartless.

Don’t call them for help during this Covid 19 pandemic!!! They won’t help you!!! They will only let you set up payment arrangements for payments meaning of full amount isn’t paid within 30 days it will reflect on your credit. They aren’t offering deferrals!! POS!!! On a positive note they aren’t doing repo’s right now! Shame shame shame on this company. Make their passionless ways go viral!!!

I purchased a car for 11 grand. I had no credit at all, never purchased anything with credit especially a car so I expected high-interest rates, oh did I get it! To make a long story Short my total balance was 25000, car was 2011 Ford Taurus Limited 109000 miles. When I signed everything at the dealership, nothing I signed said 25000, total was 14000 which I thought was the total, until days later I get letter from them saying balance 25000. I'm going to let them repo it but I'm fighting everything in court as I want to see anything I signed with 25000 balance on it.

Not been able to get in touch with them. Now my account is closed when I log in online? My debit card was stolen and I have a new one. Now this virus has me in a bind. I pray my car isnt up for repo. Help.

I got a small loan a couple of years back. I'm still paying more on the interest than the principal. Once you get a loan with this company Good Luck paying it back. NEVER AGAIN will I get a loan with this company.

My car was totalled and my insurance company sent them the payout check. I called to stop any further payments and I was told they could not stop payments until they received the payout check. But, I was told by a previous rep that they could stop the payment 24 hours ahead as long as I called to stop the payment. Needless to say, they still took out another payment AFTER they received the payout check. Now I have to wait 21-30 days for a review of my account to get my money back.

So I called customer service to see what they were doing about persons affected by Covid-19. The rep said they will make a note but payments are due accordingly. If I am unable to make a payment they can change the due date but only up to 7 days. The rep went as far as to say that they will still be reporting to the credit bureaus.

This company has made my life a total wreck. This company is unprofessional. They have put a repo on my credit report including my co-signer's credit report. This installment loan was took out in 2011. The first payment few in June of the same yr. It was a 36 month loan. This company picked the vehicle. It went to auction. They have extended a paid in full contract. This company has marked it as repo. I have rec as of May 14 2014 that the lien was lifted and paid in full. This company has not updated their system. I believe someone in this company is updating. No. Our credit report saying this paid In full. Contract is a repo. I refuse to argue with these unprofessional reps of this company.

This is just my 3 payment. I’m setup on auto pay ....I call. Ask, "Could I change my payments on auto pay?" The lady said no problem. Gave me another date. Sent me a letter stating the change but with this coronavirus going on I wanted to move it out 3 days, why did I ask that? The sharks came out of the water. They smell blood....my payment was due April 4. The guy was demanding payment on the 26. I trying to tell him the lady sent me a letter stating my payment is due on the 4th, he then tells me she made a mistake because February had 29 days. My payment is due on the 2nd of April. I ask his name. He gave his stated he couldn’t give his last name. Thank God I called early because I tell you his tone and demeanor he didn’t give a damn about know coronavirus. If I was one day behind he was demanding payment. What have I got myself into? God help us all. The very reason God is moving right now.

I've never been late on payments in 3 years. However, with the pandemic, my husband and I are both not working. I called them to ask about a deferment or ANYTHING to help during this time and was told, "No. We are a second chance loan company and don't offer deferments or leniency." This is the ONLY creditor I've called that has no compassion. So, I've moved my car (since we have a nicer one now anyway) to another location. I have no choice but to pay when I can and let them attempt to repossess. If it comes between walking everywhere or dealing with this company, I suggest walking everywhere.

I want to let you know to steer clear of these loan sharks! If it were actually possible to give this company -4 stars, I certainly would!! If you are desperate and need a vehicle avoids these guys at all cost! Save your money and Ride the bus!

This is the kind of company that I wish if I was attorney general or president or someone like that I shut this business down, get over on the working class. Miss a car payment. They want increase your payments. They want to come get your car. He'll tell you all to stay in your car you need such-and-such money today, that's not a scare tactic what is. I have a 2007 Ford Edge that I've been paying for it since 2007. It may be worth $2,500. I owe $7,000 on it still, call him and try to refinance. Call him and try to negotiate anything with them. Oh, you will get nothing. Bad business, I got in a second car accident. Car was totaled by someone. Call them to tell them that I was injured and unable to pay, put it this way. I hear it in my car so they couldn't find it until I could pay them.

Credit acceptance is a blood thirsty company and doesnt care about anything but money. While the country is fighting coronavirus they took the time to take $219.46 out of my checking account for a garnishment and then the bank took another $75.00 the only money I had. Stay away from this company. Dont do business with them.

There's a bad virus out here. I asked to give me 1 or 2 months. They dont do not good at all. I pay my payments. Had trouble with car dealer. Got police prosecutor helping me now. You people tell me no way you can help people. Sick. Sad. Very bad but no problem all will know. Dont ever get you for a loan. NEVER. I'm telling all who reads don't get loan here EVER. Bad bad bad. Go elsewhere or you will lose your car. Thank you. D

Doing a nationwide crisis credit acceptance basically threaten to repo the only transportation I have. Due to the covid-19 virus. I'm currently laid off my job with no other source of income. I explained this to the customer service rep I spoke with, even tried to email in proof. Sad to know such a big company cant have any type of compassion for their customers! Especially the ones who always pay on time!

We bought a car through them in Jan 2019. Since then we have had nothing but hell with these people. If you're a day late they call you relentlessly. I actually had to tell them that if they didn’t stop calling me 18 times a day that I would turn them in because it’s illegal for them to call you that much. Now I NEVER get calls from them. Anyways, due to flooding in our area a while back and now this coronavirus crap, times are tough. When we got behind the first time, we set up payment arrangements with them which was all fine and dandy, but I looked in my customer portal and they have added $4,000 to what we owed on the car. I’m not even sure if it’s legal. Anyways, I can’t want until we pay this car off because I’ll never get another car loan from these people.

I get a new car, Toyota pays this ripoff company off. They claim they haven't rec'd the payoff, demands I make a payment on March 2, 2020 for $293. I pay it. The next day they post the payoff. I call ask when can I expect my overpayment. The woman on the phone says, "You'll have to wait," I said, "no I need my money," then she says, "21-30 days." If you value your self respect DO NOT USE THIS RIPOFF COMPANY, WHY THE GOVERNMENT HASN'T SHUT THIS COMPANY DOWN IS BEYOND ME.

I purchased my car from my local dealership back in March 2016. They even stated during my signing with the finance department that Credit Acceptance treats our customers really good and they did not lie. If I was late on a payment anytime during term of loan I always called the automated line to set up an promise to pay, and never got a late charge or reported late on credit reports. I make perfectly on time payments for 48 months. As a contract paraeducator who does not get a paycheck in the summer, Credit Acceptance still worked with me if I had to split my payments up for the month. Just made my last payment as of yesterday. Account shows closed in my portal. Cant wait to finally be able to show something that I have paid for on my credit report. Will always use them if needed and do recommend to others who cannot get financed.

They couldn’t even verify so I could redeem my vehicle. All the repossession company wanted was approval to accept a photo copy of my ID. Then you have to pay for the company to release your items when they don’t have a key to get in the vehicle.

Stay clear of this company. Customer service definitely isn't this company's specialty. Interest rates are through the roof not to mention the costly price of the car that will have you locked in for 6 years or more. I call this a hard lesson that has been learned quickly.

This company should only be used as an absolute last choice. It takes advantage of people who have bad credit by charging ridiculously high rates that would be illegal should I lend money in the same manner. This is what’s called vulture capitalism. You will end up paying three to four times the actual value of the car. I would imagine in time that these lending practices will be banned as they are detrimental to the financial health and fairness of the buyer. Again I would strongly suggest that you do not under any circumstances do business with this company. It appears that they are also loading up positive reviews to cover the bad ones. This is a company that takes advantage of people with poor credit histories and will inevitably place you further and forget in debt and cause you to pay far far more than the car is worth. It is no wonder that they have a one star rating.

I just spoke to two people in customer service about two issues I was having. One was giving personal information to another car dealership without my authority. The other was the rudest that they had. Their name were Chris and Tracy. They were rude and nasty. Telling my information that I never did. Saying that I did author something and I didn't do so. I feel that this business need to be shut down or something. Telling me that I owe them money and I paid them off. So were did that money go.

I received a 30 day late fee on my very last payment after paying every payment on time for 2yrs. I was involved in a serious accident. It wasn't my fault. I was hospitalized for 2month. My insurance company geico and my gap insurance took care of last payment. I was told I wasn't in the right state of mind to even acknowledge what's going on. But on my credit report it say paid as agreed 0 balance for a year now. I just decided to get my yearly credit report and I noticed I have a collection account from Credit Acceptance Corp. 30 days late so I called to explain I was in a very bad accident and a coma and I thought everything was in good standard and I would like to have late payment Removed and update to current. She stated, "This is a legitimate Debt. It be removed we in 7 years. Sorry. Anything else I can help you with."

They are straight up thieves. I bought a car in September of 2019. The car was hit by a drunk driver in November 2018. I went through my insurance policy for the claim. I had gap coverage as wells. The car was taken to the shop of January 2020 and totaled out by the shop and my insurance. They made a profit of 2100 from this. I owed less than what was sent to gap and I paid December and January's payments. I received the letter from gap February 8 dated the 7 that they paid off the rest. I only needed gap to pay 3150 and they gave credit acceptance 4198. So they made 1047 off gap and 1047 off me and said that I'm not entitled to any payment back. I have a paper trail with the correct amounts, I may be hiring a lawyer because they made a profit for my loss. I'm out a total of 2500. I am very disgusted with them. Please do not use them!!

Everything about this company is BAD!!! They will not work with you at all!!! That treat you like scum!!! I'm so glad my loan is payed off. I wouldn't use them again if they were the last loan company on the face of the earth!!! I hope they go out of business!!! I'd give them a big fat 0!!! Just awful!!!

I simply called the customer service to help my son set up his auto pay bc he never had a car loan or payment plan and the customer service person said they can't speak to me bc I'm not on the acct which I understand but kept telling me to hang up and have my son call back which was crazy bc I told the guy I und need to speak to him let me go get him. He kept insisting. I hang up and have my son call back and wait on hold for another 10 min bc that's how long I was fighting with this system myself so why would I hang up when I told him three times I'm getting my son. It did not seem logical to hang up and have my son fight with the whole thing I just fought with to get this guy on the phone. Like really why would you say, "Mama you need to hang up. Have your son call," when I was getting him? I'll never worked with this company and I sure won't ever use it again. Poor customer service when speaking to a potential customer.

Every month when I receive my statement it's received at the beginning of the month, my bill is due the 8th of every month. So there is not enough time to get it mailed on time. I called Credit Appearance and asked like I have been asking several times for them to please mail out their statements earlier so my payment would get there on Time. The Korean Lady said there is nothing they could do about the statement that it is computer generated. So I asked, "Can you please change the due date?" No again. So I asked, "How can I get my payment to you on time so it's not Late & to where you're not going to charge me additional fees." It goes on your credit if your payments are late. Because they refuse to mail out early than the first I end up being late because they are a heartless, soulless, money hungry company.

I purchased a 2014 Jetta and was financed through credit acceptance. I had never been late for over 2 years until I lost my job. They repoed my car after being 1 month in a half late. I had to travel almost 2 hours away to get my personal belongings in which they charge you $80 to get your own things back from out of the car. I was able to get car back, but now wishing I would have left it there. They changed my car payment to a much higher monthly payment and still owe over $800 from the repo. I pay the high payment amount but still get a negative impact on credit every month. If I am 1 day late they will repo again even if you aren’t 3 months late. They repo after 1 missed payment.

I am on autopay for my car payments. Back in November they hounded me over a late fee. They were able to correct the fee because I had been on autopay for 2 years and never received a late fee. The lady fixed everything about the fee and my autopay and told me I was good. My payments continued to be taken out for Nov, Dec, and Jan. Woke up one day and they repossessed my car!!! They said my payment for OCTOBER was missed. No phone call about it and when I spoke to that lady in November she did not mention that they did not receive a payment in October. I was on the phone with them for an hour and a half going around in circles about their mistake. They even went back to review that conversation from November where they told me I was fine.

Terrible customer service. I have 1000$ left to pay until car paid off. I Always paid on time and never was late. One day I Got a phone call from them. Offer to settle for 600$. After I paid as agreed they flag my account negatively on credit reported that 1 payment was late. When I never did.

The customer service is horrible. I made my payment 1 day late as I waited until payday, I soon found out even though I had it set up online.. they called me 10 times in 1 day. I have had this vehicle for over 1 and half years and have never been late. I can not believe that I was called 10 times after only 1 day. When I answered the phone to figure out who was calling me so many times the customer service agent was so rude and when I placed her on mute so that I could get my confirmation number for me setting up the payment I could hear her talk about me. That's so unprofessional.

In 2017 I was trying to purchase my first vehicle and went to Serra Nissan the used car dealership. During that time I wasn't aware of how these dealerships and Loan companies were, so during the time I was working with a $600-$1000 down payment. They told me with the amount I'm trying to give for a down payment it was only a select few cars I could choose from. The first car they bring out for me to see was a blue 2008 Toyota RAV4. The car was disgusting in the inside. Seats were dirty and stained. Whoever the owners were before left all type of clothing, and other belongings, and sand was literally everywhere in backseat and trunk. It had a dented fender on the driver side, that when you opened the door it made a loud noise like a old tuck would when you opened and closed the door.

They have the WORST customer service ever. Even if you have shown payment they still do nothing for you when in need. They think they are doing you favor by saying they can extend your due date when in fact all that does is keep you behind even more. My car is a lemon and they don't even have options that'll be helpful even after putting in over $10,000 towards my payments. I have a 2009 Chevy Malibu. Rn the check engine light is on so it won't even pass smog this new year for 2020 smh. I've spoken to another dealer shop to see if I can get refinanced. They said my car would only be worth $500 so basically the rest of what I owe isn't even worth what I owe left on it??? This bank is a straight joke. I'm surprised they are still even in business. Never again will I go through these people. This was my first time buying my own vehicle so for me I see it as you live and you learn????

I purchased my car in May 2018 and have NEVER missed a payment and ALWAYS paid on time. My payments are due on the 19th of the month. I ran into a medical financial crisis due to my husband having dementia and making a decision to move him into a memory care facility. I called Credit Acceptance and asked if I could make my payment on the 3rd of January and was told they could NOT secure my vehicle that long and I needed to see if I could BORROW $100 to "secure" my vehicle. Mind you, I have NEVER paid a payment late!!! When we purchased this vehicle, we both are on a fixed income. I do NOT have anyone I can borrow this money from. We have no children. I am praying they do not come and take my vehicle because I told her I would try to have $100.00 by the 30th of December.

Bought a used truck from dealer in New Hampshire and they delivered it to me in Maine. Financed through Credit Acceptance. Got it back to house. Got it registered and tried to get it inspected. Holes in body underneath cab front end was supposed to have been gone through worn out and numerous other problems tried to get credit acceptance to help me with dealer. Called them twice within the first 90 days and they basically told me not their problem. Told them just as much their problem as car dealers since they partnered with them.

I had gotten a chance to buy a 09 Dodge Journey. Long story short it was In a shop months out of the year that I had it. Finally I said I wasn't making payments for a vehicle I was never driving. Gave it back. Mind you 09 with 118k miles with interest at 22.9 %. I was told I was paying 17k for an 09 Journey. They gave me 4k trade on my car. I paid 4k on it before surrendering. It sold for 2300 at auction and here I am being told I still have to pay 10k or my wages get garnished. Do the math. I've already paid for this vehicle and yet I'm being told I have to pay 10k still. That's 20k for a vehicle that was only worth 2300 at auction. Now my sheriff's office Is involved over this ridiculous second chance lender scam company.

Avoid this company and buying a car from them at all costs, they are worse than a payday loan company with their interest rates, should you chose them, I truly hope you do not fall on hard times, it is 7 years later and I am still paying for a car we lost because I got sick and lost my job and almost my life. I have paid $16k on a car they sold at auction for $3k, but was worth $10k. This is a hole you will never ever get out of. I thought this would never happen to me, well it did. Now in jeopardy of losing our home because they feel $10k in interest is acceptable after the car is long gone. Like I said, they will never go away. You couldn’t pay me to use them for another car. Funny how they can’t provide needed documentation and pass everything off to the law firm, however they don’t return calls either. Avoid avoid avoid...

Recently my daughter has been helping me get my bills taken cared of due to recently struggling with a stroke. I been out of work now 3 years due to mini strokes and now unable to work bc of it. I had a Chevy Trailblazer that burned up on me while I was driving on the thruway to work. MY ins pd most of it and I thought I had gap and I didnt. My credit report states I only owe them $1154 and never knew they took me to court. I never received any paperwork. So my daughter decided to help me out with this bill and they have refused my payment and want me to pay $3200 but will take $2300.

Credit Acceptance is suppose to be a second chance company or they advertise to be. I recently paid off my loan with them in hopes to finance another car, only to find out they require me to have a 3000.00 down payment. Even with a cosigner that has A-1 credit, they still require a deposit that's impossible. How are they a second chance finance company? I did get financed with only a 500.00 down payment through Nissan...not credit acceptance.

They are relentless at collecting for a car they took away from me without realistic chance of a pay off. Interest is thousands of dollars more than actual balance I owe. They do not care if you don’t keep enough money for yourself. Ditch the company and the anyone who’s works for these loan sharks. DO NOT USE THIS COMPANY!

My car was totaled, with these jerks after my insurance paid them. I had a balance left. We came to agreement amount to pay till I get my settlement, upon requesting that they update my balance on my credit report they closed the account. Stated the balance amount and noted the account is in collection, which it is not because I have been paying the agreed amount. They hate they can't repossess anything, so after paying on time they just closed the account and left nasty notations, since the collection was stated and account is closed, you don't need any further payments, since you have already destroyed my credit.

First time buying a new car. They helped me get the car and I appreciate it. But when I lost my job, they would not work with me on payments or nothing. Not to mention that I paid my payments on time or before time before I lost my job. They won't take partial payments either. They came and repo my car and now garnishing my check for a car they came and got. And I was paying. I advise anyone to take caution when using them and PLEASE DON'T LOSE YOUR JOB!!!!

This is my 3rd vehicle using this company due to my local dealer, my choice. The first 2 worked out on a normal basis, nothing to shout about. This third time around I ran into a situation and was told by C.A. that I could not be worked with and am now getting the runaround and no answers. If you experience any glitch at all you will find out that this is what they were hoping for because this is where they feel they can rack up the big bucks, in my opinion. A company "not" to be trusted, in my opinion. Immoral, in my opinion. Unethical, in my opinion. Customer beware. BTW I willingly gave my horrible car back "WITHOUT" missing a payment and am still waiting to find out those results and in the meantime am "incurring" fees while waiting. Crooked, in my opinion.

I have a 2014 Chevy Spark, a normally $8,000 dollar car. I'm being charged $28,000. This is a rip off. Does credit acceptance put tracking devices on vehicles? I recently got a payment behind of $360. They jacked payment up to $560. Makes no sense.

I have a 2011 KIA Soul that my sister had bought before passing away a couple months later. I immediately set up auto pay to continue making payments until Credit Acceptance cancelled my draft when they received the death certificate. They told us that they would process paperwork and release the lien to our mother. Months go by and still not released. We filed abandonment title and followed correct procedure to get the vehicle released. We received the new title- free and clear- showing no lienholders. They still repossessed a vehicle that they no longer own the rights to. We are currently fighting them.

It is ILLEGAL for a car loan creditor to charge over 16% interest. I was unaware of this when I bought my car. I am being charged over 20%, and I am seeking legal action. I bought my car for 9k with 3k down less than 2 years ago and have paid a total of almost 8k on it, and Credit Acceptance is telling me I still owe 13k. This is not possible, even with a high interest rate. This company is criminal. I wish I had known before about usury law.

Got my loan for Credit Acceptance. Made 14 on time payments, I contacted credit acceptance to ask them to refinance to a lower payment and they said they dont do that. I would have to sell the loan off in n order to get lower rate of interest. Not only that but they never reported my on time payments at all to credit bureaus there for my score never went up. I lost my job. Struggle to make payments. Was behind on 1 payment. They repo my car. No notice whatsoever. I had to pay 3 times the payment to get my car back. Borrowing money from family that follow weekend. Again they tried to repo my car after I paid a ridiculous amount of money. 2 weeks later they repo my car from my house and I said ** it.

I would rather drink lava than do business with this company. Beware of all five star reviews for this biz. I noticed that the five star reviews are victim blaming. Don't be a victim. This company has hounded me for twenty years to pay them. Two decades later and they are still trying to get paid. Good luck with that!

First of all everyone is not the same. I pay my Bills and my credit is fine. I had other options to get a car from but this dealership had the car I wanted with the features I wanted so I went and got it. They harassed me everyday for getting behind for $85 dollars after I had just paid them $500. Made arrangements for the $85 to be paid within 5 days. 2 hrs after I made the arrangements they still called and called over and over 3/4 times a day. I have always been on time with my payments and just cause I have one little fall back with $85 don't mean harass people that's trying to pay you. It's to the point I don't even want the car anymore and willing to risk my credit for a peace of mind. I give all praise and glory to Turner Acceptance. They was great to me when I got my car before this one.

1. Crap one the owner has no clue as to what's about to happen. 2. He will learn that this is his last chance to do right. 3. For the only reason I'm on this is to make it very clear. 4. You will know the dirt that you think you have is gold. 5. I will personally hand your ** to you. No court no paper will help you. 6. Yes you seen right. It will happen. Money will not help in this matter. 7. Your company killed my engine on the highway at 75. Damn near killed a bus of kids because of this. 8. You're done. Your company is done. I'm going to do the same to you.

I called to make a payment and used my debit card with $600.00 dollars and tried to use my credit card but they don't accept credit cards. I got someone on the phone and made a payment with my mother's card but forgot 86 cents. That's when the rep told if I don't make that 86 cents my car would up for repossession. So went to dealership and told them what kind of bank you got me into. They said they would talk to bank rep. I would think twice before get a loan with this bank.

My credit score is in low 500s and I am self-employed, trickier to prove income. Current vehicle costs up to $300 a month in gas and needs at least $1K in repairs. So it makes financial sense to get a new pre-owned vehicle even at over 20% interest - it's the cost of bad credit (my fault) and I need a new vehicle.