Credit Acceptance Corp Reviews

Where do I start? Back in 2016 my car got hit and it was totaled, my insurance sent me a letter that they paid off my auto loan w/ this company since the car was totaled and I brought another vehicle. I thought that was it, little did I know they sent me to collections over a small difference my insurance didn't pay them "they claim". So instead of contacting me by literally anyway, my phone, by mail, email, etc. They had it all but never did I get any info that I owed them money still. So flash forward to a year later about 2017 I see that a new collections report from this crummy company. Now I've been disputing it and trying to get ahold of anyone to resolve it and every time I try I don't get a call or email back or their # is disconnected. I am reporting them to the BBB next.

I purchased a 2016 vehicle in 2020. I originally paid Approx 14000 for it but I had to get a loan from Credit Acceptance. Please, do not use them. I have paid, on time and more than the payment calls for, for almost 2 years. My payoff today is 8900. Really???? I'm never going to get this hunk of junk paid for. I'm angry about the outrageous interest rate and the low down dirty sales rep that made me think this was a good deal. Stay away from this "credit company"

I opened an account with this company in July 2021. The first thing is they weren't able to change my due date, so I always pay 2 weeks late and assessed a late fee. They have no way to view your payment history. I've been sick with COVID over a month and thought that I made my last payment. I woke up Sunday morning to an email alert that my credit score dropped 79 points due to a late payment. I, immediately, called the company and was informed that my payment was 45 days late. I asked why no one wrote, called, or emailed me that I was behind. I was informed that they don't email, or mail correspondences as a payment reminder courtesy, and that I didn't authorize consent for them to contact me by phone.

This company is the worst company to have ever graced the scene. If you made mistakes or are just looking for a finance company, CREDIT ACCEPTANCE will make your situation WORSE. ** RUN. Do not do business with them.

I paid off my car months ago and reached out to them about the car title. I waited for 2 months for my title and it never came in the mail. I had to call them for them to say that they had it sent out to me but then they lost it because they had the wrong address in. How can they be this irresponsible? They then sent me only a discharge of lien which should’ve been attached to the title. They did this on purpose! I just wish I could’ve done more research before signing up with this scam company! I’m furious that they scammed me like this. When it comes to taking your money, they’re so quick into doing so but to give you your title. I hope they go bankrupt! Do your research on this ** company before you decide to sign up with them.

Would give this company 0 zeros if it. My spouse obtained a loan with them on my behalf due to me only having no verifiable income (home childcare) covid hit and that closed my doors so I voluntary gave the car back. Unlike many lenders they hold you to full term meaning you have a 60 month term bet your bottom the amount after resale with be the 60 month terms worth of interest so you have a 22.99% rate you will pay it. Not only that once your car is sold and the defiency balance is due they do not close your account or charge off instead these sweet vultures ADD a monthly balance to your account until resloved why? My response I received was bc we can more or less.

I am going through a hardship and was granted to pay $250 a month for 6 months. This loan company claims I willingly set up payments twice when I said no I didn’t and wanted one of the payments canceled. The collections person I spoke with Reggie was sarcastic and rude and said he would have his manager call in about 72 hours. I also was told to dispute the amount with my bank when Reggie could have more than willingly cancelled one of the payments. I’m at risk of my electricity being disconnected and he could have cared less. I was called out the n-word and I said I would start recording calls. I demand to have my money back in my account and speak to upper level management.

These people will tell you, after 3 years of on time payments, that you will go into default after being late 4 days to pay. They want to screw you over, and have no sympathy. If you are going through a hard time, you will be told that they do not care. The lady I spoke to seemed to enjoy the idea that I would go into default. Please do yourself a favor and ride a bike if you have no other options. They also will call like 5 times a day, and most of the time, there is nobody on the other end. It is like some creepy stalker.

They “accidentally” reported an increase in my loan balance. Decreasing my credit score by 36 points! They “fixed their error” yet my score only rebounded 19 points. It’s now the last day of February, yet they have reported I have not made a payment since NOVEMBER 31! Which is absolutely FALSE! I don’t miss payments. If I had not paid since Nov 31 they would have taken possession of the vehicle by now. As a result of yet ANOTHER “mistake” my payment history is declining and AGAIN lowering my score. I’m contacting my lawyer.

They are Soo horrible. They picked up my car after I only owed 3.000 dollars on my car. I paid them a total of 20.000 and all I had left was 3.000 dollars. I was late 3 months on a payment and threated me with late fees several times and barely wanted to work with me. They are criminals. They picked my car and I'm left with a 3.000 dollar debt and no car. Never ever ever do business with these people. God will definitely punish theses criminals after taking advantage of a young person like me. This was my first car. I had it for 6 years. I am very devastated.

Was paying on time. Turn car off 'cause on their side they was not receiving payments. I got tied cause it took them month to fix. Turn car on then paid. Fell behind car. Sat in driveway. 2-3 months late fees plus interest pile up. They said they couldn't find car car I'm driving or hiding. Remember car was in driveway turned off. I seen cars, trucks, stop, look at car, never came to get. Then the day I was going to Clean car out they took car with important over 1500-2000 of work I was going to put in car. Never told me where car was cause they can't tell me till I pay. Note then they never sent paperwork. I called over over for my things same story. "We can't tell. You pay bill". Sold car. Never sent paperwork. DO NOT TRUST THEM. THEY WILL MAKE WHERE YOU WILL FALL BEHIND.

Shaquanda was able to advise me on a way to help our family be more on time with our payment. She was very kind and soft spoken. You did not feel like you were dealing with a person from the billing department just someone who wanted to help you. She’s the best. Can’t recommend them more.

Worse. My car was stolen, the insurance had paid majority of it off And I had GAP insurance too. Well Credit Acceptance somehow states I missed a payment and the gap did not pay off all the remaining which they never notified me. Instead they put it on my credit report causing my score to drop 80 points. When I call about several time to speak with credit acceptance about this they laugh at me. Saying, "Good your credit drop." Basically making fun of. I’d call back to speak to a different rep. They then would be rude. Yell at me. This company will screw you over if you do not go the complete term so they make that interest rate profit. They will go on your credit report and report negative causing it to drop. Avoid this company. They are not in the consumer's best interest.

I purchased a Jeep in April 2021. A month later my Quadra lift suspension went out. 4 months later it started leaking coolant so I take it to have it fixed and they tell me I have a few other things wrong with it. This vehicle has been in the shop at least 5 times and the bills are not very cheap. Dec 2021 I call Credit Acceptance to see if they can push a payment to the end because my car is in the shop and it's going to be hard to make the payment. The lady who assisted me was rude and all she cares about was when I was going to be able to make a payment. She said she would not be able to help me out that they don't do that. I asked to speak to a manager because I do also have another vehicle financed through them Which is almost paid off and I have never been late with either vehicle.

Changes policies without notifying customers and they overcharge on interest even with avg to good credit. Mid 600. 3000 down 6000 left turned to a 13000 loan from them. Money grubbing company. Don't use them.

I had generally good experience with Credit Acceptance, UNTIL I did a re-fi with another lender. My new lender cut a check for the payoff (no late payment) on 8-26-2021 for $11,900, the payoff was $10,900. I called Credit Acceptance a week later to find out when they will cut me a check for the $1000 over payment, was told that they have to 'investigate' LINE BY LINE of the pay off to make sure that all the 'is' are dotted and the 'ts' are crossed, which could take at least a month or two. It is now a month later and still no sign of a 'check in the mail'! Sounds like a 'cock and bull' story' that Credit Acceptance is making up. It appears that they will have one heck of an office party with my $1000, which BTW I am already paying my new lender as part of the re-fi! I wouldn't trust Credit Acceptance as far as I could throw them!!!!

I have had many financial obstacles in the last few months. Credit Acceptance has been more than fair in working with me on my payments. The key is that I have stayed in contact with them about my circumstances. They have worked with me every time to keep me on track with my car payments. It is a difficult time for a lot of people right now and I feel that they have recognized and taken steps to help people during this pandemic.

They are the worst. I’ve been paying my monthly payments on time. I had $50 in late fees. These pieces of dog trash reported $50 in late fees as a 30 day late payment on my credit report. I called them and they explain that late fees are considered payments and that’s why they reported it 30 days late. All of my contractual payments have been made on time. They are trying to destroy my credit because of $50 in late fees? During hard times my priority is to make the monthly payment. Late fees can be taken care of when I have extra cash. They don’t give a damn. But guess what I’m a warrior. And when I fight I win.

Below are issues with the vehicle credit acceptance is financing and they refuse to cancel the loan when they should have from day 1. I've called several times and reported the fraud done by the dealer and how the vehicle sold is a LEMON. I was a co signer for a deal, we traded in a paid off vehicle Mustang and a Fusion that was being financed and owed money on. The first day of signing for the vw cc we got from used Nissan thoroughbred it smelt of gasoline and we took it back and was advised the car had a gas leak and they fixed it but it was brought to our attention it needed new control arms so they replaced them.

I set up an agreement for a late payment - when I tried to make my $36.00 payment online, something in the system kept taking my payment and sending it back to me.. I contacted an agent at credit acceptance who kept referring me back to my debt card company - who then referred me back to credit acceptance - this back and forth issue happened approximately 3 times.. No one could tell me why my payment would not go through.. Long story short - by the time I was able to get my payment through, it was later than the time I made my agreement for - their response to the situation was to report a late payment on my credit report, which made my credit go down 42 points.

In October 2019 I financed a Toyota through them. In March 2020 Covid affected our financial situation and I lost my job. I called them and at first they were somewhat understanding. I had set up a payment plan with them and they STILL report me as late payments to my credit bureau. This is not right. They call 10 times a day for no reason. Stay away if you can. Wish I knew sooner.

I got Gap and it suppose to pay your car in event it a total loss. In the end I got nothing from them. Horrible company. There got to be better companies out there. All their reviews are bad and now I know why

I had went through Tim ** in London Ky and got a car and making my full payments on time with Credit Acceptance and covid hit so they done the deferment, going good then they show up and repo the car.

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.

In 2014 I purchased a vehicle and was forced to purchase a $4000 warranty in order to get the vehicle. One year later, the car overheats for first time and I drive it directly to the garage and leave it. Mechanic says engine is blown and I must have known it was overheating because I had a jug of water in back. (Yup - along with the bowl, leash and toys of the DOG it belonged to.) Warranty refused to pay - I told them to keep it.

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 trusted to get a car at 18 with Credit acceptance. 2 years later and they totally scammed me out of my money!! I made payments. They said I did not.. They charge interest so when you do pay they it takes the money and split it which evidently makes it longer to pay off. I have been robbed and am now trying to fix my credit. I am going to choose to settle which is taking $7,000 out of my youthful pocket because I absolutely can not be bothered with them anymore.

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!

This bank sucks! I bought a 2014 Ford Escape, not even a month after it broke down in the middle of the highway. IT WAS THE ENGINE! The dealer or Credit Acceptance denied to pay to fix my SUV. I spent over $4,000 just fixing it. They did not want to give me a different car or take the car back. The car doesn’t drive, I have called Credit Acceptance over 5 times for them to come get my truck, I surrender it. Every time I call they say they will submit the request and never do, every time I call they give me different answers and force me to pay for the car. It’s been 3 months and they still haven’t came to get it. They say they are never able to reach me to pickup my car but they blow up my phone because they want me to pay them! They are the worse people I have dealt with.

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.

Most but not all Customer Service Representatives are rude, curt, and unprofessional. When engaging CAC reps, they come across as loan sharks who are unwilling to work with the customer. If you ask them to repeat their name for future reference, they hesitate and seem to become irritated, however they always ask for additional information to contact you. Once paid, will never do business with this company again.

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 was good at first but two years ago I traded my Hyundai Sante Fe that I had financed with them for a Buick Lacrosse. The dealership I went paid off the loan on the Santa fe and added what I owed on to my loan with Capital one but now they are trying to say that the car was never paid off and they just credited my account and are trying to say I still owe 405 dollars but it has been taken care of and I refuse to accept that I owe them money still.

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!!

They are a horrible people.... Because of the pandemic I lost my job and I am a low income person, I have no money and I called them asking if they can waive or move couple payments to the end of the contract but they said nooo. I really hate this company and I advise anybody never to deal with them!!!

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.

Minus 5 ⭐️ I will give them if it was a such thing. Lost job during the quarantine, have 3 small children, ask for a defermen,t was turn down and told to go get a food delivery job. They will take your money but won't help you.

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.

Worst finance company ever. I really wish I could have a better company. They won’t let you put payment at the end of your loan. I had a heart attack soon as I purchased the car. I was off work for 3 months. They said well pay 200$ every two weeks. When I went back to work I said ok. But they report to credit company late payments making my credit worst than it was. I asked "can you change it?" "No we can’t do that." So why I’m on payment plan just should have paid when I was ready. I wish I could give no stars.

My daughter purchased a 2014 VW from a local dealership. She didn’t know her interest with Credit Acceptance was 22.99 percent. When I found out, three years after, I paid it off. Just received the discharge of lien but all blank, no signature that DMV won’t even release the original title. So I called customer service to send me a signed notarized discharge of lien. Per customer service she doesn’t know why they sent out without any signatures and she will call them to send another one. Is this company scamming a lot of younger individuals out there that just sign documents without asking reading before they sign? 22.99 percent is so insane.

I have fallen behind on my payments due to a job and I called customer service and told them my situation and the girl was so nice and set me up on a payment plan which my first payment is 25.00 the next 50.00 and then 150.00 and then when I get back to work they will work with me to get caught up. My payments are 400 a month. Thank you Credit Acceptance. You are a lifesaver.

I can only say that this company is very helpful. I fell behind in my payments because lost my job. Yes my car was repo. But they made it very easy for me to get it back. And helped me set up a payment plan so I can keep my car. Most people think this company is not good at all. But they are willing to help you and work with you so you can keep your car.

For years, I've been having to deal with this company since I bought my car back in 2016. It's hard to even set up a payment arrangement with this company when they constantly harass you with calls. One call, you'll set up the payment, somehow, they are still calling you regarding that same payment! Literally, within 1 minute after I setup an arrangement, I get another phone call from them saying that I owe a past due amount with an added extra amount like if you're paying for this month and next month!

My credit is less than perfect. However, Credit Acceptance Corp financed a car from a local dealer in Las Vegas, NV. After eight months transmission went out. I informed Credit Acceptance Corp and asked for the payoff amount to trade in for a new car. The dealership stated the car was worth $500. I then was informed the year and make of my car had recalled a few due to CVT transmission. I then had my car towed to United Nissan in Las Vegas, NV to be serviced. United Nissan took 2 weeks while I was in the process of moving to a new state. I then asked Credit Acceptance Corp to recover the car from United Nissan several times and add the fees on the back end. Credit Acceptance Corp then tells me they offered United Nissan $2000 to recover the car and United Nissan refused and wanted to charge $4000. Credit Acceptance Corp then refused to pay that amount.

I have missed some payments due to medical issues. I have been paying 3 times a month and still getting charged the $473. This makes no sense because what I am paying is not bringing down the past due. If I am paying more than the regular payment how come the regular payment is not ignored.

First of all, I don’t care what anyone has to say after I post my review. I needed a vehicle and the first place I went to gave me a loan. (I should have definitely shopped around). I have had NOTHING but problems with credit acceptance. The first time.. I called them a week in advanced and told them I wouldn’t be able to make my payment until 5 days after the due date, they told me as long as I pay on the promised date, it was ok... Well it wasn’t ok at all. They shut my engine off the day after the payment was due and then repossessed my car two days later while I was at work. I had to pay a ridiculous amount to get my car back and then become a ** to everyone involved because they had already sent my car to be auctioned. They refused to tell me where my car was located.

I am writing this review of Credit Acceptance Corporation because of a very negative and difficult encounter I had with the company customer service. Because my father is currently hospitalized and expected to be in rehabilitation for the next 3-6 months so he can learn to walk again after amputations on both feet, I am having to tend to my father's bills/finances and daily responsibilities. I explained that all I wanted to do was either update his account info for auto pay to ensure his car payment is made or have them mail a statement to my father's address so I knew where to send payments by mail (as well as when and how much to send, of course).

I purchased a van from a local dealer also a scam. The vehicle was financed through Credit Acceptance. Within a week or two problems began one after the other shop after shop! I called Credit Acceptance. They stated they wanted the location of the vehicle. Gave them location and they never picked the van up. I called numerous times for them to pick up the car and last month the rep said they didn't want the car and that they wanted me to pay. Absolutely not. And last week I get a letter from an Attorney who is trying to pursue garnishment. I'm beyond upset.

Ok I know I should be happy that they gave me a loan, I am but on the other hand we just had a earthquake in Trona, CA we lost something and the fireplace came down on the inside and pulled away from the house so I called and told them what happen and if they could give until the being of the month and we would pay and they ok but I have to give them something 20 or 30 dollars While I just didn't have it and the guy said to me that everything I had set up with them got cancelled out and that it my fault for not paying the 20 and I am thinking ya it my fault we had earthquake and our house that we rent was yellow tagged. I think that they should be kind to people that have real reason for being late and it was only one payment. They should of helped in some kind of way.

Do not ever use Credit Acceptance as a loan. If your credit is poor, fair, or even good, find another company to use. This company works with small car dealerships or any small company, and they are loan sharks. They use a law company that Ally skiing and find ways to garnish your wages and the Interest is so high you would never be able to repay this debt. The people that are giving this company five stars or more are fake accounts. They’re probably hired from Credit Acceptance. Any real life person that’s hard-working will not have any good reviews for this company. Do not use Credit Acceptance. Find another loan company, or pay your way out of debt and get a good loan from an actual great company.

I am out of work right now due to medical reason and I have explained this to them and they do not care. They do not have good customer skills at all. Very unprofessional. I just want out of my loan. EVERY time I call to setup a payments they ask why I am a few days late. It's like they only care about their damn money. I would not recommend them to anyone.

They need to give loans to better and newer cars - but keep the monthly payments about the same. I was approved for less than $300 a month but was given a 12 year old car. And the warranty company was absolutely horrible. Constantly screwing over mechanic shops.

This place is terrible when it comes to their own mistakes. When I called to inquire about where they are in the process of refunding my money after they took money out of my account TWICE when I SPECIFICALLY called ahead of time to ENSURE they would cancel the arranged payment so I can pay a different amount due to another company charging me TWICE AGAIN.

The customer service was not very good and I am not happy with finance rates. My advice would be to check as many reviews as possible before making a final decision. If you don't you may be very unhappy, like I am today.

I got a high interest loan on a nice Kia Soul with poor credit in 2017. Wasn’t too thrilled at the high interest rate but I needed a car badly and have never had a late payment AND in turn my credit score has skyrocketed to 717! Heck yeah! And with my good credit score I’ve been approved for some sweet credit cards like AmEx, Citi and Capital One. I recommend Credit Acceptance if you’re looking to rebuild your credit and get back on your feet again. I had horrible credit and thought all was lost but with time and on time payments I’m getting my life back. Gotta start somewhere so why not start wit Credit Acceptance? Never lose hope!

My vehicle was never inspected before I bought it. I had the vehicle 2 weeks and brought it back to the dealership only to find out it needed a new engine. The financial guy from the dealership called Credit Acceptance in front of me to say they would be willing to exchange the vehicle for something of equal or lesser value and all they had to do was flip the loan over to the other vehicle and Credit Acceptance said, "Absolutely not. He signed a contract."

I don't understand some of the negative reviews that I have read. One individual talked about being called relentlessly for being one day late; my note is due on the 9th but, I get paid on the 10th and send my payment automatically then. I have never gotten a phone call, email or anything from them about being late. Another complained about the interest rate being high; I was working with a conventional bank and was quoted an interest rate way higher than what I am paying now.

I purchased a car on March 9 2019. I got the loan thru Credit Acceptance. On march 28th my daughter died and I missed a lot of work with that and the coast of a funeral. My bills were really behind every month and still is but credit acceptance has worked with me every month and understands my situation. Thank you so much for helping me. I wished other places would be so understanding. Sincerely Frances **

I was a customer with them and made my payments on time. So I thought I would give them my business again and they turned me down. 1. They turned down a good customer. 2. False advertisement about being approved.

My husband and I are now financing our third vehicle since 2007 with Credit Acceptance Corporation and we have had nothing but an extremely positive experience with them every time. Like many other people these days, we have a few blemishes on our credit (nothing major, but they are there and do lower our scores); however, we have always been able to obtain auto financing through Credit Acceptance with a low, affordable down payment, for which we are very grateful.

I've been scammed by this nasty company. Charge 21 percent interest. Did not find out until a month later. Hope nobody else has to go through it. Customer service is bad. They will not work with you at all. A real nasty company. Helen doing business with them.

High interest stay away, I was gonna buy a car for $12,000. After financial with that company the price go up $24,000. After that I decided to give up. I keep my trade in. Ask the dealer to give me my down payment that was $2,000 so I changed my mind. I understand I don't have a credit score yet but it doesn't mean to take advantage of me like that and they leave 3 hard inquiry in my credit report, what I did I applied for Discover Secure card and give $1,000 as my credit limit. Now my score is 634. I'm gonna wait until I got like 700 to get a loan from another company. I don't recommend them. Do yourself a favor - save some thousand to buy a car or do like me.

Not sure if this agency is completely incompetent or doing illegal things. They had a law firm (LEVY & ASSOCIATES) file a court order to garnish wages from a person that only shared A NAME with the individual they were suing for a car loan. The SS#, address, place of employment were all different, but didn't bother to verify any other information before going forward with the case. Will also be making a complaint with BBB.

Credit Acceptance gives you a loan, you pay it with their AUTO PAY system on time and they still REPOSSESS YOUR CAR!!! I HOPE NO ONE EVER USES THIS COMPANY. And every representative is very nasty. Please find another company to use.

I will admit, I became a deadbeat on time bill payer out from a depression from some loss love ones. I shopped and shopped and shopped....and shopped and became irresponsible. No excuse for ruining my credit world, but needed a car and chose a fancy car that no other bank was willing to finance, but then came Credit Acceptance, yes the APR was sky high, but I know why. This company worked with me throughout because my Car Insurance rates seemed unfixed and would make my world almost unliveable financially.

So my review is this. Automatically each month my car payment is taken out of my banking account, I thought everything was fine until I was repossessed in June for a missing payment in December. No phone calls telling me I had missed a payment or anything. I was always on time and my late fees were adding up and I wasn’t aware. No one really cared that my handicapped child was setting in a wheelchair as they were towing my car. No communication at all with the company and I’m not happy. At all. Almost wanting to contact Better Business Bureau because of the insufficient communication of the disgruntled employee who smack her gum while talking. If I could give no stars I would. Deana **

Credit Acceptance has been an absolute issue since day one. If you pay even one day late they harass with constant phone calls 7 days a week at all hours of the day. They take money they aren't supposed to and refuse to refund. They're money hungry and greedy. Any five star review that talks about how amazing this company is were all clearly paid to leave those five star reviews. Do not finance through this company. As an example of how they are, I have a $10,000 car and after interest I will end up paying them over $23,000. Stay away from them.

I took out a car loan at 18.99 percent and for two years I never missed a payment, my car was totaled and my insurance company paid over 5000 to them with a balance of 1000. I was told the gap should cover the balance but no details just told to wait for them to get ahold of me. I called numerous times and nothing. All of a sudden I get a phone call asking me how you wanted to pay around $400 that I owed. Absolutely no explanation of where this amount came from.

Please do not let these guys finance your vehicle. They are suppose to help you their customer with problems are issues with dealer. They refuse to do anything. I purchased from Lexington Automotive & Truck Lexington SC 2015. From the start problems. The clutch was going out. The dealer wouldn't do anything. Basically let the car sit at a shop for almost a week. Then said the car was fine. But the car was never moved from the spot. Had the same exact mileage as when I parked it. Contact CCA and basically same deal. Nothing. So I told them to come and pick it up. Now it's going on 4 years since I vs as it called. Apparently 2018 it was affect by natural disaster bal-0. Then I just got hit on my credit 57 points for a late payment.

I absolutely love Credit Acceptance. I recently just got approved for ANOTHER loan with them. This will be my second time getting a loan with them. They have been very accommodating to me even when I lost my job and had to make arrangements. Life is hard and sometimes having a company like this that will help you when you need it most is refreshing.

Paid off my loan in 3/17, received a title in mail. No other paperwork. TN law is that lien holder is to submit release paperwork to state not to owner. 2 years later when I moved to new state found out that they couldn't use my title because it had a lien on it still. Took me 8 months going back and forth with Credit Acceptance and State of TN to finally get a clean title.

I paid off my loan with these guys in December 2018. I never had anything financed before and didn’t know how to get my title. I called them 10-15 times getting all sorts of different answers (lies) demanding my title. Finally had my dad call and they told him they mailed it 2 days before. Envelope arrived today with a letter stating they “lost” my title. After seeing these reviews and my own experience my parents are perusing legal action and possible class action lawsuits. There should be absolutely no reason this company should be allowed to do business.

I use them to finance a truck that ended up being a piece of junk am I finance charge was $1,800 more than the what my sticker price was for the vehicle. Their dispute resolution team is a joke. They do nothing to help you. They tell you everything is documented and recorded. I have a lawsuit with the dealer for his negligence to fix issues with the truck and disclose them and lied about taking care of them when brought to his attention. No Credit Acceptance don't want to supply me with the records of my complaints trying to say they don't have a way to access those files, print them, copy them or send them even though I was told numerous times by supervisors and other staff that if I was an attorney they would supply them. I got seven Grand in repairs over four months paying $20,000 after all my finance charges for a $6,000 vehicle the $350 payments a month. What a rip-off. What a joke. What a scam.

I had bought a KIA from a car dealer in Pennsylvania in April 2016. When I got the car my credit was in excellent standing. I missed a few payment. Due to that they was overcharging my account so I stop the auto payment from my account and just call to pay. Long story short my pay period has changed and I asked to make the payment on a different date and they never told me that it would be an interest charge if I did. So I was been charge then the interest was on it and no one had called or left a message until I was home and heard the alarm of my car went off and I look through my window a tow truck was taking my car up. Then he gave me a number to call to get my truck next day. I called and they told me it's interested of 6 something almost 7 when I went to go get my car 1200 and changed to get 300 dollars for tow company.

Horrible, terrible, bad, the worst and did I mention horrible? They don’t care what you have going on. If you’re a day late they’re coming to snatch your **. You know when you have loose change in your pockets, and it falls in between the seats when you get in? Yeah that’s Credit Acceptance robbing you blind every month. Don’t ever ever ever ever come to this company thinking they’re here to help you. This is beyond me big fella. I wouldn’t give them the toe jam between my toes if they asked.

I purchased a vehicle and my 1st payment wasn't even due yet, I called them to change my payment due date because my rent comes out of my 1st check of every month and I wanted my car loan to come out of my 2nd check of the month. They would NOT adjust my due date! WHAT THE **??? Worst customer service ever! Will never do business with them again!

This company should not even be in business. I get it. I had no credit. I didn't have bad credit I just didn't have any. The car lot I bought my car from used Credit Acceptance, and I had previously paid off a car that was financed by them. Needless to say life happens and I wasn't able to pay. Before I was late on my payment I called them to tell them I would be unable to pay and asked them to come get it. It sat in my driveway for two months with them calling every other day, and me continually telling them to come get it. To make a long story short they have been garnishing my wages for 2 and a half years to the tune of 11,000.00 which is 100 times more than the car is worth and I'm not even sure how they can do it. But I can tell you that when I was looking for another car if the lot was working with Credit Acceptance I would just walk out. NEVER will I deal with them again.

This company refuses to put anything in writing other than the original loan agreement. I was paying an outstanding amount (due to being unemployed for a time) and a payment was 1 day late... Let me repeat that...1 DAY LATE! And they "reset" the agreement without my knowledge. Then got pissy with me because I wouldn't take their calls while I was at work and even had the balls to ask me if I had a work number where they could reach me. Apparently they are unaware that they cannot harass customers at their places of business. I cannot wait until this loan is paid off and I am done with this crooked company and their shifty business practices.

Today 4-4-19 I received a FAKE check that had Credit Acceptance as the Payee. My bank called the bank that the check was drawn on, and was told the account is nonexistent. I called Credit Acceptance Corp. to tell them someone was using their check stock to commit fraud, they did not care.

SO MANY unflattering things to say about this company. My mother had a vehicle loan through Credit Acceptance she passed away about 6 months ago with this loan still open. When I finally get around to sorting her things out (meaning I still have her vehicle but no one has made payments) I call Credit Acceptance several times and get several different answers but my favorite one and the most recent conversation with them that leaves me dumbfounded about the people and kind of company this is, is when I tried to find out why they haven't bothered to pick up her vehicle after providing death certificate and address of vehicle several weeks ago - I was told - 'I'm sorry you are not listed on the account so I cant help you.' No ** Sherlock!

They claim to be very customer-oriented. Don't think that by calling and working out terms with them will be honored. They will report you as late and just leave it on your credit report. They don't want you to improve your credit. With good credit, you don't need them so they will just scar your report for years. Buy elsewhere, there are many other options.

Insurance paid my car off, but Credit Acceptance said I stopped making a payment and messed my credit up. I HAVE ALWAYS PAID MY CAR NOTE ON TIME OR BEFORE TIME. I have bank transactions with proof. The Customer Service Representatives have no sympathy.

This company has overcharged me by $625!! I have called for 3 weeks inquiring about my refund on this overpayment. Finally, today on March 28th of 2019 was told by a customer service representative that it will take 21 to 30 days for them to refund my money. Had I been late with a payment they wouldn't allow me 21 to 30 days!!! They would have just simply sent the damn Repo Man to my house. Now they need 30 days to make a refund... What they need to borrow the money? STAY AWAY FROM THIS COMPANY!!!

While the process to actually get the loan was easy enough, what subprime loan is actually difficult to receive? My problem with Credit Acceptance began when I attempted to transfer the title to a different governing body (from MD to DC). I went through all the appropriate steps, and sent all the proper forms. When I finally went to the DC DMV to get my new plates, I was informed that the Creditor had not sent the appropriate forms to the DC DMV. Just for reference, the request to Credit Acceptance was made on 10/27/18, and my trip to the DMV was on nearly 3 weeks later.

I purchased a car that was worth $7000 of the lot. I put down 30% of the value on the car and was still forced to use this company as a middle man because I had no credit. I took it all in stride as a no-frills way to build my credit. How wrong I was? I was hit with a interest of 21% for a older vehicle. The car had no way of being refinanced because of the age and Credit Acceptance wasn't willing to restructure my contract to make the payments more manageable. I couldn't sell it privately because of the high payments and if I turned it back in, I would lose everything I put into it plus I wouldn't get anything significant for it.

I've had this good ole' truck for four years. We got lucky and got a good truck. Made a payment every month. Yes, it wasn't on the date they wanted, but it was made in the same calendar month. Today, I had 2 (TWO), lemme' say that again: TWO, payments remaining and that's the end of the loan. Finito! Done with! Through! Loan paid off! Well, lo and behold, who may be at my door? Well, I shoulda expected this - It's the ** repo man here for the truck! WTF?! Does Credit Acceptance have a crack dispenser in the break room? Are they huffin' paint in the board meetings? Was the CEO the inspiration for "Rain Man"? These people are off the chain. Buyer BEWARE!

Bought a car 9-24-2018. What's the weather you say. The motor's already gone out of it in the warranty deed and covered and Credit Acceptance didn't want to do anything about it. I'm very disgusted with this finance company and Morty pot company. They work hand-in-hand together. Pathetic.

My wife became ill and is unable to work. Tried to inform them that the disability payments takes time and all they did was threaten to repo and call and harass every hour. PLEASE IF YOU DO ANYTHING AVOID THIS COMPANY!!!

This company has zero customer service. If you have a arrangement and call, make a partial payment, want to make another payment a week later because of whatever reason, nope not happening. If you want to buy the vehicle 3 times then go with them. Their customer service reps are mere robots per the company script. There is no middle ground with this company frankly. I’m sure they are within the law but they're walking a tight line. Again don’t if you value peace of mind don’t use this company.