Credit Acceptance Corp Reviews

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.

So I am reading all bad reviews about this company!!! So now I am leery even though I was approved! Yea I have crappy credit and pretty much am at the mercy of whomever will lend me money to buy a decent car. In the past I have had dealings with a repossession and that was a car I had for 5 years and with GM financial. Quite honestly no one in collections is nice... Their job is to intimidate you into paying your loan terms especially if you fall behind. Some loan companies don't give you too many chances and others do to a fault! When my car was repo'D I was 2 months behind with a pending payment... So once that went through I would be only one month.

My son had a loan through them. After 2 years of automatic withdraw from his bank account, THEY only took $27 out. He called and after being on hold 14 minutes he left them a voicemail to call him back. One month later he leaves work and his car is not in the parking lot. After leaving 2 more voicemails he finally got an agent on the phone who told him he had to come up with 2 months payments in 4 days or it was going to auction! These crooks never called him, never sent him a letter nothing! And it was their fault the payment wasn’t correct! Never again! I will tell everyone I know about this company!

Let's be honest here. I went to a car dealership after a recent repossession in late 2017 and needed a car to get to and from work and get my daughter around the city of Houston where public transportation does not connect to every part of the area we live and Ubers start to get expensive quickly. My credit wasn't the best, and I knew that this was a "second chance finance company". I take responsibility for my part. So a high monthly payment? Ok.

I sent my pay off to them overnight. And they said it would be posted to my account in 24 hours. Then for them to “audit” my account would take 30 days? To get my title. In this day and age? How? SCAM.

Credit Acceptance use Superior protection plan for their warranty. Superior warranty isn't worth the paper it's written on. The way the warranty written it's nothing but legalized racketeering and the consumers are the ones who's going to suffer. Credit Acceptance approve your loan and they use Superior protection plan for the warranty. Trust me there isn't anything Superior about their warranty. God forbid you need to use your warranty because they're not going to pay. Either that's not covered or what's covered they're going to figure out a way not to pay. I've been dealing with this company for a month and my motor is gone out in my car. I'm in so much disbelief until I'm sick. There needs to be a internal investigation on Superior protection plan. This company has pages after pages of complaints.

Just FYI everyone, these people are horrible to deal with. They are rude and untruthful. We were threatened any time we were late on our payment that they had the ability to shut our vehicle off through an ignition bypass switch. Well come to find out that was not true. We paid our vehicle off and are waiting on the title. When I asked them where to get this "ignition bypass switch" removed (since the Company we got the vehicle from is closed) I was told there is no ignition bypass switch on our vehicle. So they threatened us with a lie all this time. Not good customer service.

Run is the 1st thing that comes to mind. They are liars in every sense of the word! Had my 1st dealing with them today. Was told 1st payment would come out April 1st. Get a letter saying I missed my 1st payment March 1st. Called them to tell them they made a mistake and they refuse to say they are wrong. Even with the contract in front of me I read it to them. They still said my fault and now I'm a month behind. POS company. STAY AWAY. JUST RUN.

I am so thankful for this company. They financed my car with NO DOWN PAYMENT. Interest rates are high, but it's a fair trade off for not needing anything down. All the bad reviews on here had me thinking I made a mistake, but turns out people are looking to blame a company that helped you get a car when no one else would. If a company makes a mistake on a payment be respectful when you call to complain about it.

RUN!! DO NOT DO ANY BUSINESS WITH CREDIT ACCEPTANCE GROUP... My car was totaled. They said I owed them 3k more than what the insurance paid. Ok, so full coverage is only partial coverage actually. Then I go on the website. It still says I owe them the full amount after the insurance paid them, so I asked for a print out of what I owe. Still waiting after 2 weeks and they're saying I'm late on a payment that was only given verbally. ALSO... THE WARRANTY COMPANY AFFILIATED WITH THEM DOESN'T EXIST. SAVE YOUR 1500. The downpayment doesn't matter. You will still pay the high monthly fee, interest and fees. Even if you pay the car off be prepared to pay $2500 or more than the car is worth.

We have had a car loan with them for 4 years now, and boyfriend lost his job and we got behind one month. Called and made a payment arrangement and when called Credit Acceptance to pay they refused to take payment and refused to allow us to pay two payment in one month to catch the car up!!

I went to purchase a car that was 11995.00. I had 6000.00 to put down. Was informed my credit was invisible - needed co-signer. Ok well I ended up being his co-signer with my 6000.00 going to paperwork fees and paying 300.00 month. Could not get out of it. They said he died. I was demanded payment in full and now in collections for 9000.00. Loan end total 21000.00. What if anything can I do? Big deal auto Credit Acceptance you are the devil.

This is the worst financing company ever. Unfortunately, I was in a situation where I had to have a car to get to work and transport my children around. I put down a hefty down payment and still have a $500 a month note. They told me that after 6 months I could refinance. That was a lie! By the time I finish paying, I will have paid almost three times as much as the price of my car. They are quick to snatch your vehicle if you miss one payment and they refuse to be flexible with payment help. You would be better off walking or catching the bus than using this company. My only hope is that someone will reveal them for the crooks that they are and sue the pants off of them. After two years, I am so far upside down in my payments that I can’t even trade my vehicle in. Heed the advice of those of us who made the mistake of getting involved with company, and run as fast as you can in the other direction.

Worst lender you could ever finance through. You're better off walking. Their customer service agents are rude. They call you all hours of the day. They refuse to change your payment due date. I bought this vehicle in 2015. Little did I know that the day you buy it is your due date. So I call in figuring I could just request for a different day in the month for the due date. Boy was I wrong. I get a whole speech about better budgeting my finance or borrowing the money. I haven't even made my first payment. Avoid them at all cost. Do yourself a favor.

I purchased a vehicle in June of 2017 and was excited to find out I had been approved for a loan through Credit Acceptance and was able to purchase a warranty with it. A few weeks later my nightmare began. Things were going wrong on the vehicle and when I brought it to the mechanics they told me that the warranty was a sham, because they never get paid for their work. I took it to several more mechanics who all told me the same thing. I called to complain and would either get no response or them just telling me my warranty number again! Thus began my journey of paying for multiple, expensive repairs on an upside down loan. I found out that truthfully my vehicle was only worth $1,500 at best. My loan was for a little over $5,000!

Credit Acceptance hasn't caused me any real issues themselves. Although their warranty company has been a nightmare. I am set up on ACH so my payments are automatically taken out. I have spoken to Credit Acceptance and the warranty company twice about my service issue. The first lady with Credit Acceptance I spoke to didn't seem to care and acted as if I was lying about contacting a lawyer. The second call was a lot more professional. The customer service rep listened and took action sending my claim to the legal department. I purchased my vehicle on 9/17/18. Since then I have had multiple service issues. I also purchased a warranty through Credit Acceptance with Superior Warranty Plan.

I bought a car in the year 1999. I was garnished on three separate occasions. Total garnishment was 2201.29, to which 549.0 was taken by way of STATE TAXES. As of the year 2017 this company was allowed to garnish my paycheck. They have changed the original garnishment on three separate occasions. Credit Acceptance utilized a lawyer with a suspicious and unscrupulous practice, HOWARD ALAN KATZ, WHICH ACTIONS ARE DOCUMENTED WITH THE DETROIT FREE PRESS, concerning debt collection cases. I have been advised to complain to the Office of the Attorney General for this thirty-five year debt collection. This is my personal experience and it's not fiction.

Robbers. I have them in court now. Judge call contract conscionable. They have the February 13 to have the appeal paperwork There. The law we’ll get Credit Acceptance And when I tried to talk to them they treated me like I was the dumbest person in the world. So I guess me and the Judge dumb. I’m doing my case pro se Lawyer’s is too greedy. What they trying to do is to get me a arbitration. It’s too much illegal activity in my contract for arbitration their activities must be stopped

If I could give zero stars I would. Their customer service is rude, inconsiderate, and they lie to you, to get their way. I will never deal with this company again. Had to get a lawyer involved to settle issues.

I've had to deal with more than one poor credit financier, unfortunately, but true. The one before this was strict, but you knew everything upfront--no shady backdoor dealings--and they worked with you fair and square. I've purchased 2 cars to the finish with them--no problems. Would recommend Superior Auto to anyone in a poor credit situation. Made the mistake of going to a dealership thinking I was making progress to purchase my current car on regular payments. This is when I got set up with these snakes!! Oh my, what a terrible mistake I made just trusting the finance department. First wrong turn: I had to agree to a $1500 warranty or no note. "That's how it is now." I was told. Lies. I should've trusted myself, stopped them there--shame on me.

The most heart wrenching part of this whole loan is that we have already paid the entire value of the principal of our truck, we missed JUST ONE payment and on the 10th day they would not accept arrangements and the customer service agents call and threaten us to turn the vehicle off! How does this help a person to get back on track with payments!? Another huge problem that people will have is if you are applying at a dealership they will lie, cheat and approve you by any means needed to get your loan, and the dealership will lie to you and then you find out what you REALLY signed up for after they finalize your loan documents! Absolutely RUDE, INCOMPETENT PEOPLE!!

I needed a car in a short amount of time because my vehicle was destroyed in a hurricane. I went at the urging of a friend to a "local" used car dealer and they got me a loan through Credit Acceptance. My credit was 700+. I paid my payments on time every month for 3 years then one month I thought I paid my payment and it didn't go through, there was no notice that it hadn't gone through. I called 6 most later for a pay off and it was then I was verbally accosted by a service representative. This happened twice in the 4 years it took to pay off my loan. I paid off my loan and this company reported that I didn't pay my payments on time at the end of my loan, which was not the case. Now my credit is 529... NEVER use this company, if you don't have bad credit, you will when you pay the loan on time and pay it off.

My husband in 2016 got a van financed through them. We haven't had too many issues, I make payments. I have missed a couple but made them up and paid partial as we own our own company and were stiffed about $70,000 by a contractor so things have been tight and semi went out of business, still made payments. Guess a couple got returned for insufficient funds that were there but for some reason weren't. I have no idea. But we have never received phone calls, notices in the mail and in Colorado they have to send a "right to cure" before repossession.

I have never met a company that was more unprofessional or dishonest as this place is. We have the opposite of poor credit. We have great credit, no credit history. We generally pay for everything with cash and we were told because of this, we were basically considered just as bad of a risk, as someone with bad credit. Go figure.

If you are writing a bad review about Credit Acceptance that means you were or are in a position where no one else would finance you. I am not here to judge anyone although if you have gotten a loan from this company that means that for whatever reason your credit sucks. You know why. Not for me to point it out. For me I am so grateful for this company. At 51 I am semi-retired and moved to Mexico about a year ago. Shortly after moving there was hit head-on by a wrong way driver right at the boarder. My 2007 Camry Hybrid was totaled. I was ok and the people who left the California plated car fled the scene. My insurance was supposed to be in line but although I had Mexico Liability coverage My insurer failed to put an endorsement on my policy. Found out the car that hit me was reported stolen by its owner 3 days later. Their insurance company denied any claim as well.

BEWARE OF THIS COMPANY. DO NOT FINANCE. The worst company to ever finance through. They will repo you after one missed payment. If you fall behind but start to pay they will still repo you for a very small balance at any time. They have no loyalty or consideration for the customers. They take your money and the moment you fall behind they will repo right away. Worst mistake of my life. Balance never goes down they constantly add fees. They could care less about you. They are unprofessional and disgraceful. Don't use them as a financer. You will regret it and pay for it.

Credit Acceptance is full of ** and so was the deal that sold me the car 2011 Hyundai Sonata. The car was worth $10,000 and the loan is $10,000. We made every payment on time but check this. The memorandum title was typed it wrong so we have no tags until they get an email out. I forgot this is the second time that this is happened in the last four months but we still pay $100 a week to Credit Acceptance a ** company.

My husband and I have purchased a Nissan in October of 2018. We have made payments on time. In December I called to see if I could defer the payment for that month so we could do Christmas for my children due to I was down one income. I was told that they don’t do that. This is the first company that I have known that will not work with you for anything...so I was told about how I can make a payment arrangement. I did so for January 7th. Well January 4th came and my husband's check wasn’t enough to cover the payment arrangement so I called to see if I could extended it just by a few days. Then I was told that I didn’t make the arrangement for the 7th and that it was made for the 4th. And I said no I have records that I sat it for the 7th. And she proceeds to argue with me that it was set for the 4th. Then she told me that this is the second payment arrangement that I have made on my account...when it was not.

I bought a truck in August 2016. I had the payment set up to automatically come out of my account by weekly. For over 18 months not an issue. I became unemployed the first of 2018. I had enough in savings to carry me until the first of July. I called Credit acceptance to let them know my status. I did not find employment until the end of June. I called them again and set up the payment plan as it was before. When I called both times, the people on the other end of the phone were as unprofessional as they could get. I asked to speak to a supervisor, he proceeded to tell me I was 3 payments behind. I asked him how that could be, whereas with all the payments I had made put me 5 payments ahead. His math did not add up.

My husband has a car loan through this company. If you are behind at all they will call you nonstop all day everyday. I checked my voicemail and had a message left by them. Clearly the man didn't realize my voicemail was recording and he was whispering to an associate about how he didn't care if it was ten cents or not. He was going to and I quote "** them as far as he can go with it." When I called it in to complain of course no supervisors were available. But the nice women on the phone told me she could see the man had called us six times total that day because they record all calls and she would have her supervisor call me back. Although I haven't heard back of course. I have the voicemail saved and will be reporting it the FTC as soon as the government shut down is over.

A few months ago I decided to change the email address on my credit acceptance payment page. I did always receive email correspondence about payments made on my previous email address, now since I have the new email I have not received any email with payment confirmation. I have emailed customer service about this issue, and yet nobody has replied. Their fees are with no doubt extremely high sky. I am barely making a living after making my car payment. The payment on my car is seriously endless. It is very obvious that Credit Acceptance Corp. take advantage of many people in need. Truly disgusting and disgraceful business.

Financed a Jeep through C.A.C. Was told I would get a rebate after reading it in. They changed the payoff balance to match the rebate overage. Never! Never! Never, finance a car with them. Dishonest!!!

Customer service is very unprofessional. I have been paying a loan for one year on time and I don't see my balance going down. I've tried asking as if why and requested payment history but nothing has been resolved. My lawyer has also contacted them to try to get my payment history and still nothing. Big mistake of me to have purchased a car loan through Credit Acceptance!!!

I bought a Nissan and unfortunately financed through C.A. My loan was for 8,000. 2 years later I still owe them 10,000. How is that freaking possible? How? I need to talk with a lawyer about getting out of this predatory lending company's finger grips because there is no way in hell I still owe them 10,000 2 years later for a car that is only valued and 6 grand at best.

If you can avoid getting a loan from Credit Acceptance, please do by all means! When I got my car I agreed to do auto pay on the days that I got paid, so they could get their money on time and to also help my credit. The very first two payments they failed to take out. When I would call to speak to someone about the situation, they would have nasty attitudes and didn't want to speak to me about it. It wasn't until after I tried making the payment myself when they decided to call and say they were going to repo my car.

We financed a vehicle through this company and was set up for auto pay. Everything was going great for the first couple months and then somewhere along the lines they stopped taking out our payments and we unknowingly fell behind on our payments. The repo guys showed up at our doorsteps two days prior to Christmas to repo our vehicle so we called them and the First Lady was very polite however we had to speak to a manager to stop the repo from happening and she was very rude and irrational in every way shape and form.

The people that run and work for this company are the most incompetent bunch of idiots you will EVER encounter!!! My vehicle was repossessed when my car note was NOT behind! The embarrassment and frustration for something that is completely their fault is beyond frustrating!!! I spoke to the reps at Credit Acceptance... They “apologized for the inconvenience” but said they can’t do anything until in the morning! My vehicle is my only means of transportation to work tomorrow! This isn’t the first issue I’ve had with them! The repo guy was polite, but stated that he was there because his report says that my account is 75 DAYS past due!!! I didn’t know whether to laugh or cry! It wasn’t his fault, but that was A COMPLETE LIE!!! I will NEVER purchase a car with them again! I wish there was some way to hold these people accountable for this kind of stuff! This company is a sham!

We've been dealing with them for a car loan and never really had an issue until recently. We fell behind on our payments 2 months. Mind you the last time it happened they blew up my phone, sent letters and emails for their payment. I spoke to their ** customer service and they said we were fine to make the payment by the end of the month, ok cool. Well someone didn't do their job and put this information and they repoed our car so I called them and was told I never called and they can't pull the recorded audio. She also told me it's a courtesy to call me and send the letters out and also told me that I couldn't have auto pay set up when I'm behind but the managed to take November's payment through auto pay. So I asked to speak to someone above them then she tried to tell me she could pull the audio. I said no it's ok I'll take it up with the higher up. She lied and said the higher up has the same number as the repossession line. Ok liar.

After paying on this auto loan for a few years they are still saying we owe more than financed and reporting to the credit bureaus that it's a charged off account due to natural disaster! How can a vehicle say it's repossessed but still in my driveway? When I called them to correct the issues they did nothing to help!

I foolishly allowed Nissan at Southtowne talk me into buying a car and going through their "second chance" lender. Then I found out, it's not Nissan's lender. It's Credit Acceptance. They said I had to be on auto pay. I set it up. THEY failed to take the first payment, then immediately came after me for a late fee. I had it set up to take the payments twice a month every other Friday. I realized I was screwed with these guys so I paid the fee and what they claimed I owed.

Please avoid this company at all cost. If you fall behind with your payment by even a couple of days they will add on so much interest that you will end up not being able to afford your payments. The customer service team will not listen to reason unless you have money to give to them. Unapproachable with no common sense. Avoid at all costs.

I purchased a car from this company in 2014. When I got close to payoff they repossessed my car the day after I made a payment. They sold my car right away without giving me an opportunity to try to get it back. This year the IRS informed me I owed a tax on this car of $440. I have no idea what information they gave the IRS to charge me anything. They never put anything on my credit report and refused to speak to me when I tried to get my car back. So if you are told by a car dealership this is the only company you can finance a car with go somewhere else. I wished I had read reviews before I got my car.

I got a vehicle on November 1st through Credit Acceptance. Three days later got a acceptance to another credit company Paramount with Credit Acceptance instead of them. On December 2nd Sunday morning by 10 a.m. they're calling question why I'm late. I told them I was going to go ahead and pay it and he continue to persist, "Why are you late?" I said, "It's Sunday morning. I thought it was the first but evidently it's the second." I finally hung up on him. That is ridiculous.

Been dealing with them for 9 months, closer to 10 but 9 payments. Went to trade this pile off and credit shows only 4 reported payments. They charge me $4000 in fees right out of the gate. A $6000 car became close to $11000 so now I have a car Black Book valued at $3200 that I owe $9200 on for a 10 day payoff. Steer clear!

Customer service employees at Credit Acceptance is by far the rudest individuals you will ever speak to. They will always talk over you. Be snotty and act better than you. One representative will say, "Yes this is in the system", talk to the next, "No you're wrong. It's not in the system". I cannot express the disgust I have with this company's employees.

I was notified by a customer that she had recently incurred hail damage on her 2014 Chevrolet Impala. My wife and I own a small Paintless Dent Repair business and have been in business since 2010. She informed me that she had Dairyland for coverage but that her vehicle was financed through Credit Acceptance and Dairyland had issued a check for repairs directly to them. So we made the arrangements to get her vehicle in for repair. First off after contacting Credit Acceptance to find out what the original check from Dairyland totaled to see if it was anywhere in the ballpark of what my estimate would be. They wouldn’t share that information and told me that they would need an estimate from me for the damage. I thought this was rather bizarre because they had already received a check from Dairyland and all I had to do was consider what they had received and write a supplement if I felt it was not enough.

This place is crazy. My mom got a loan from them for her car. Never missed payments or anything. She finds out that she is sick and lost her job. Still found a way to work things out. The closer it was to pay her car off all of a sudden she owe this. You need to pay this. Don't know how or where this so called money was coming from. My mom has a heart condition. They was adding more and more stress. And she still paid it off and now they saying 30 days after her last payment she owes more money to get her title. They are a RIPOFF. THEY WILL ROB YOU. I will find a lawyer to look over this paperwork because things don't add up. Don't deal with them period.

I agreed to make a payment for one of my parishioners. After a couple initial attempts to reach a "real" person I made a connection through the "Dealer" number. Once I reached an attendant, they were helpful in getting to Customer Service. Twice when they transferred me to Customer Service, no one picked up the phone - I was left there hanging and listening to background noises.

This company is a joke. They have employees who have no idea what is going on. You call for one thing and get transferred 100 times. They call you 45 times in 1 day. My payment comes from my bank and is sent electrically so it is never late. Today they called and said they didn't get my payment. My bank however said they accepted my payment the day before it was due. So where is my money??? Please do not get a car from this company! I know I will not be a returning customer!

Credit Acceptance has an option on their automatic system that you can tell them when you will make your payment that month if something came up. My car payment is due on the 5th of every month but every 5th of every month I call and tell them I will make my payment on the 20th. I have always made my payment within the month. I have never been late. This month for some reason the automated system did not put down when I was going to make my payment. I received a call on the 6th of this month with a very rude customer service representative demanding why I did not make my payment the day before. I understand it is a concern for a company to wonder where their money is. But this customer service woman talk to me like I was a piece of trash.

My late son and his also deceased wife bought a car which was financed by this bunch. The note went delinquent within a couple months because my son went into depression over he and his wife splitting up and stopped going to work. Both he and wife passed in a tragic incident. Here’s where the problem comes in. CAC decides to wait more than another month to finally come pick up the car. I’ve explained to them several times that there will be no estate with which to pay for this car. There’s no money, no home, no assets, no nothing. My son rented an apartment and barely had furnishings in it, and they were also financed. I received a certified letter today that stated the car would be sold and the estates of my late son and his late wife would be liable for any money over the sale amount. I sent a letter again stating there are no assets and to stop contacting us. I’m done with them. I want them to leave both families alone to grieve in peace.

I have been making faithful payments for 2 1/2 years, always made payments early, never late. BUT MY BALANCE INCREASES??? INSTEAD OF DECREASING. You guys are scammers. A $8,000 car turned into $20,000 after I signed the contract. This is MORE THAN DOUBLE WHAT THE CAR IS WORTH.

I am so so sick from this company and their attorney ripping me off. I had a pushy saleslady who I swear had the papers drawn up just waiting for a sucker to walk thru the door and runner up was me. Made on time payments of 354.00 monthly. Living on 10.00 hr wages for 1yr. Tried taking hunk of junk back 3 times in that yr to car lot. Was avoided like I had the plague so I was told by a CA rep to let it sit for 1 1/2 mo 'til I defaulted and they would come get it so I did and they did. The truck btw went from being 3,000 to 9,000 to 12,000. In the time I had it and it was just a little 2001 Dodge Dakota Sport that had been prev. wrecked. Before I got it worth maybe 1,900 at the most.

Everyone should read the following link. This company has made 40 years of business through deception and borderline illegal activities. They prey on people with less than perfect credit knowing full well that they would ultimately repo the car. I purchased a 2013 Chevy Impala in 2014 from a local dealership - my credit was mid-range not bad but not perfect. This dealership did not submit my application to any other lender other than CAC (I did not know this initially) and stated that this would be the only one available. OK. I needed a dependable car and though the interest rate was considerably higher than I would have liked it was within my budget just at the higher end.

Back in September of 2017 I made the horrible mistake of deciding to get a new vehicle from Fox Ford of Cadillac. The dealer LUCKILY wasn't the issue. After going through 3 different vehicles which I was "Approved" for not pre-approved the salesmen then pulls out the absolute last option... a blue 2007 Ford Focus plagued with 1500 dollars worth of issues including suspension/engine issues to try and keep my job at Pizza Hut as a driver.

I'm not happy at all with Credit Acceptance. My boyfriend John had gotten a truck from Jenroc in Dover, Ohio last year and Credit Acceptance was the loan provider. Everything was fine till John filed bankrupt, because his wages were being garnished because of a truck he couldn’t finish paying for 15 years ago from a GMC dealer. Well, John wanted to keep the truck so he was told to sign a reaffirmation agreement so he did. Well, then Credit Acceptance had raised the amount he owed to $4000.00 more. John went back to the attorney's office.

Well the reviews are correct, their customer service reps have major attitudes! So when I called for 2 questions 1: Why my payment haven't posted and I made it on 10/5. 2: Can I have a due date change. So she was very nice initially I must say that. My car payment is due on 10/8 and I made it 10/5 and I said it is still showing I owe for 10/8. So she explained my payment hasn't posted online yet. She said no it hasn't, I asked why because I don't want to be charged for interest because y'all haven't posted my payment.

I purchased my vehicle in February 2015. I knew the interest rate was high. We set our payments to come out automatically from our checking account. Our payment is $281 a month. It is now October 2018. Our payments have been on time all the way until last month. My husband is self employed and a customer wrote a bad check to pay for work done. It messed up our whole checking account, returning payments and accruing fees. Yes that is not Credit Acceptance's fault. But literally every single creditor I have--our rental company, utility companies, Sprint, 2 personal loans through two different banks, my school loan and several credit card companies all made arrangements with us so we could get caught up quickly and get our accounts back on track. The only company who would not do anything to help us was Credit Acceptance.

I have had my car since November 2017. I pay 382.00 a month so I start paying 200 dollars every two weeks. They called and said I can’t pay like that and I’m 172 behind. How when I pay 19 dollars over every month. Where that money going idk. They don’t have grace periods. This company sucks and they get no stars.

It's crazy to me reading some of these reviews. I have never had any of these issues. For starters, yes the interest rate is crazy high. That is understandable considering if you're using CAP then your credit is probably terrible. They are a "subprime" credit lender. You can't have a terrible credit score and expect to have an interest rate that is low. It doesn't work like that.

DO NOT I REPEAT DO NOT WASTE YOUR MONEY OR TIME!!! When I first got the car I was under the impression my payment would be $349.00 so a few months go by and they called and asked how would I be paying $2.85 that I was behind. So, I asked what $2.85. She informed me my note was $349.95 and that I need to pay the extra .95 cents for those 3 months!!! YESSS you read that right not even $3. So I added the $2.85 to my next payment. Now after almost 2 years of having a car financed through them (NEVER LATE excluding .95 cents) I called to see could I get an extension. My payments are due on the 6th of each month and I asked could I make the payment on the 25th and that I would pay the next payment as well (double up to keep from paying the service charge).

I bought a truck in 2016 and when I got it, yes my credit wasn't great but this company gave me a loan. I don't even think I paid attention to the interest rate because I figured it was going to be high, but the funny part is I have another car through the Credit Union and my interest rate with them is much higher than with my truck... go figure. Anyway to make a long story short, I missed a payment 3 months ago, how I missed it I have no idea until I looked at my credit report and sure enough I missed it, on time payer since day one. I'm single mom so how in the world am I going to double up, not happening, so I came to read the reviews on if they would work with you and GEEZZZUS, I was scared to call after reading all of these horror stories, BUT I called.

This company is corrupt and are very deceiving. DO NOT EVER GET A CAR LOAN FROM THEM. I financed a car through them for $8,500 so I thought and two years later they are telling me I still owe them $9,000 because I borrowed $18,000 from them. I never received any paperwork showing $18,000 because I would have never paid that for a used car only worth $5,000. Please trust me go through a different bank because you will regret it if you don't!!! After paying on time for 2 years I was late on one payment and they repossessed my car and said I had to pay the loan off in order to get my car back. This company should be put out of business!!!

I have been with this lender since Jan. 2016 and this company offers online payments but do not post the payments until after the due date. My payments are due on the 16th of each month and I have been charged late fees despite the fact that the payment was made on that day. This is the ONLY company that does that and the customer service there is the worst. I looked at my payment history and was amazed at how many late fees I have with this lender. If a dealership considers this lender when purchasing a car walk out because they epitomize the meaning of a vulture company.

I've been with Credit Acceptance since July 2018 and these people are terrible. Customer service people are not friendly on the phone. People are rude. I wish I didn't have to pay my car payment through these people. It's a pain in the butt to call on the phone. You can't set up an account online. It just a big waste of time. I wish I didn't have to do this. These people I'm not happy with them. I hate calling to make my car payment on the automated system. You call customer service. They have a crappy attitude. I'm sick of it. If they're customer service they should be a little bit nicer and friendlier and cheerful. That's what customer service is. Maybe they need to retake classes again 'cuz I'm not a happy camper...

This company needs to learn how to give a ** about customers. Talking with the guy who answer the phone just to let him know I will be late due to unforeseen circumstances and it was the epitome of a bill collector and I am not even behind yet. I told the guy I was negative and it would only be two weeks and I could catch up. This guy asked if I could pay anything... I said, "What part of negative do you not understand." Most companies would work with you but this company I wouldn't trust or the words that they say. Bottom line this place can suck it!!!

In reading all of these negative reviews about Credit Acceptance I felt I needed to leave one since my experience was extremely positive. I'll give some tips and specifics on my situation since I noticed some common problems in these reviews that possibly led to their negative experiences. I had just come out of bankruptcy and needed a "new" car. My old car was starting to need work and was behind in payments. So getting a new car and rolling the old balance into the new loan seemed like the most efficient way to get a fresh start. The dealership set up my loan with Credit Acceptance with automatic payments coming out of my bank account. I was able to set the approximate date for when the payments would come out based on my budget. I will say that this is absolutely the best way to do it. This way you're never late.

I got a car loan from them for a little over 8,000 and I was making my payments on time every month for 10 months then my vehicle got totaled so after the insurance and gap paid some of it off I was told I only has to pay $11.14 to pay off so mailed them a money order for that amount. I get a call from them stating I was suppose to send $12.44. I told them I was quoted as 11.14 and I asked the person 3 times before I sent it out to make sure and the person told me that it would be considered a settlement instead of being paid in full. And I mentioned also on my credit score that I still owed $27.00 on the vehicle. I was told they would fix that on my credit score. That was over 2 weeks ago and to date has not been corrected and I have not received my paid in full or settlement paper in the mail and also the woman I spoke to on the phone was very rude and disrespectful to me. I will not be getting another car loan through them ever again.

Back in February 2018 we paid off the loan. Payoff was around $7000.00 on a $18,800 loan. Well long story short we did this because they have repoed our Honda Accord Crosstour a total of 3 times. Once over 3 days late, once over 10 days late. We always made payment arrangements but they would continue to call and we would tell them that we have made this payment arrangement with another rep. The rep would always say, "Oh now I see it." So once it was paid off. We never got the title so My wife called last Wednesday and asked about the title. The car was in her name and my mother in law's name who had passed away in November of 2016. So they didn't tell her that we owed them any money.

My car payment is due on the 15th of every month. I spoke to several representatives at this company to explain that I was going through a hardship and told them I would make a payment on the 30th. On the 30th, the money was mis-delivered by the postman. I informed CAC and scheduled a payment for 2 days later. When I informed CAC, the representative did not look at any notes on my account and was fussing and yelling at me about the payment being late. She said there is NO grace period so CAC expect your payment when they say it is due. This is the worst finance company I have ever talked to. The representative was full of attitude and kept yelling that I had to hang up on her. I have encountered the rude nasty attitudes with several of CAC representatives, the customer service is terrible.

If you are like I was, most likely you will not do research extensive enough to take advice from pre-existing customers or take someone with you to the dealership who knows their stuff. This has been the worst relationship with a company I have ever had. First, Credit Acceptance preys on the ignorant individuals. They do not have the best interest for their customer. Before you make your decision on receiving a loan you should accurately map out every last payment to complete your loan payments. The reason being, they will allow you to take an unrealistic deal, and knowingly allow you to fail based off of the information concerning your ability to pay. They allow the dealer to be misleading.

So I have been leasing my car through this company for 3 years almost. I've never had a problem. They were a little difficult at the beginning figuring out payments as to One agent was telling me a certain due date and another a different one. We've never been late. Until this month. And they repossessed our car in the middle of the night! Not only did they repossess it... They didn't even give us the ability to know and get our items out, and they didn't report it! In addition our car was dragged to the end of the street instead of lifted onto the truck... With our e-brake on so God knows what damage is done. So we had to file a stolen police report.

Just paid my truck off with them. Thank God... I will never use them again. My payments was always due on the 15th of every month. I paid them on the 1st of every month. When I called in to get a pay off quote I told them I had never been late on a payment. They told me, "Yes you have last year for 4 payments." I said, "I have bank statements showing I have never been late. I have always been 14 days ahead. They told me, "Send us a copy." So I did and they was like, "I don't know why it's saying you was late." Anyway their sup fixed that.

It was my fault for getting a new car but my old one had brakes that were about to give out, winter time was coming up and I had just got pregnant, so I wasn't going to risk my chances. It also didn't help that I went into a dealership not knowing how to buy a car. I had no help and my job was far. So it was either I stop working and have no money or work make payments and still have some money. I had been paying for my car faithfully for close to a year. As it was getting close to my due date I had to quit my second job. I guess I can't really blame them but still it sucked when they repossessed my car a month before my due date.

I don't recommend no-one to use this bank as a finance company. They repoed my car for a late payment and the fool saw me at the car could have came and explain to me but no he waited for me to go back inside at my job, made a block and came got the car. I talk to the bank a week prior. Told them that I would be making the payment late. They told me to pay 50.00 which I did and they still came got it. DO NOT USE THIS BANK.

After reading a few of these reviews about people's cars being threatened to be turned off I took apart my dash under the steering wheel and yes indeed I see a GPS and a shut off relay. I did some homework on YouTube and saw how to disconnect it and rewire my car to be able to start without their threats. So I'll be late on my payment because I'm going through a career transition and have to wait three weeks to get paid. Make sure you take your car to places that you haven't been before to hide it because while the GPS was connected they were tracking you every 6 hours and could see what popular locations you have been to as they try to recover the vehicle and leave you stranded. So now you know.

I got financing for my first 2004 Ford Escape with the claggy breaks. It was clean but engine needed some work. 3 year 36 payments. Credit Acceptance informed me that they were able to shut my car off if my payments fell behind. It was a struggle and I had great Insurance and Roadside assistance. I calculated 13,000 in payments made with 9 left to go. My car was repossessed after 5, 000 in repairs were made. They claim I was late. My car wouldn't start when the tow truck brought it home and further repairs and rentals were on me. They got a better car back plus made a profit, sold it for more than I owed them, and ruined my credit. They still want the balance about 1800. The car was worth 5 grand. But that really especially when you're trying to build credit and they set you up to fail. It's legal cause they get rich and we get played. One day somebody will catch this. Don't do it. It's not worth losing your hard earned money.

Got a loan through Credit Acceptance to buy a cheap car for the purpose of building credit. I made on time payments for over a year. When I went to a dealer to get a loan for a good car they bought out my loan from Credit Acceptance. One week after having thought my first loan was dealt with they collected another payment from my personal bank account. They admitted to getting paid by the dealer but claim to not know my loan was bought and refuse to refund my money. Never use them.

I have a car financed through this company. I have been making my payments on time, as far as I knew, for the past 7 months. My husband was admitted to the hospital. I called to find out if I could postpone my payment by ONE WEEK. The girl on the phone was rude, first of all. She wanted details as to why I couldn't make my payments on time. Then she goes on to say that they've already been "letting me make my payments late each month" since apparently my due date is the 8th, but they draft the payment on the 15th. She then tells me they have no grace period, and that if I don't make my payment on the 15th, they will start the collections process on the 16th.

In 2010 I bought a 2007 Ford Taurus from Driveaway Motors. I paid on time and when I got down to only owing 2 months on the car, I was two weeks late and they repossessed my car when I was at work. I actually had the money in my purse and was going to Western Union after work to make the payment. When they came to get my car, I called my husband and he came to my job, the tow man said he would have to follow him to know where they were taking my car. In the meantime, my husband paid TWO payments to get me ahead and the fees to get my car out of hock.

What happened? On 3/23/2017 I physically signed (ink signature) to purchase a used 2008 Jetta. Within a week the 08 Jetta broke down on the highway. I immediately notified (seller) Pleasant Valley Motors, Raleigh, NC (PVM) and told me to tow it to my home and PVM will tow the vehicle with their mechanic & fix the problem. While vehicle sat for a week, I had a mobile co. conduct a diagnostic. Results: rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slave cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it.

I had a accident in my car Feb 20, 2018 and got it towed to a shop the next day, since I had no insurance I had to pay for the repairs out of pocket. My mechanic has had it for three months and won't give it back after paying him $3,000. I called Credit Acceptance to see if I could get the location on the car since there was a location device on it, they told me I couldn't get the location of the car until I had a police report. I couldn't report it stolen because it wasn't taken from my possession so it was considered civil.

Don’t get a loan with Credit Acceptance. They filed court papers for a vehicle they repossessed and sold it for 900 and want 9000 from me. I was a co-signer and informed them where the owner was. The owner contacted them to set up payments after they filed yet. They still had a judgment against me. I don’t owe this debt and I would like for them to remove my name from this debt. I will be taking this back to court because I have informed these people I don’t owe this debt and they can’t take someone to court for triple the amount they sold that vehicle for.

I missed a payment back in August, then was 2 days late on September's payment. The payment was made the morning of the 2nd day. They then proceeded to repossess my car that day. So I paid to get the car out and made a payment arrangement. I was told that I can't make that months payment because it was already 2 days past due. They said they would roll it to the end of my loan. A couple weeks later, I'm getting repo calls again. When I called to see what's up, they said I must have misunderstood. I made another arrangement. A couple weeks later, same thing.

I went out to my car during my lunch break, today. It was approximately 4:00 PM. I tried to start my car to go pick up a package at the office. I turned the key 4 times, it didn't ignite or begin to turn over. I called the warranty company. They said to have a tow truck bring the car in... I couldn't do that, because I can't afford it. They told me that they could cover the tow up to 50 dollars. I don't have any money to cover any of the overage, and I know that this issue is not my fault. As a matter of fact I'm positive, so I told the person I was talking to that I was going to bring the car back.

My wife purchased a car 2011 Toyota Camry Hybrid March 3, 2017 and Credit Acceptance Corp financed the car due to her low credit score and we purchased an extended warranty for 4 years or 48,000 miles for an additional $1,765.00 Superior Protection Plan from the Toyota Dealership. In April 2018 she had an accident in the car and the car was a total loss. We have full coverage and Gap insurance. My insurance company paid most of the car off except 729.00. The Gap insurance should pay the difference. I call to cancel the Superior Protection plan only to find out Credit Acceptance Corp had canceled it already. I call Credit Acceptance Corp and ask what happened to the $1,765.00 prorate that $-441.25 and we should be reimbursed the $1,323.75.

I have had my car for almost 4 years. I have 1 payment left on my truck and it was repossessed. I called and made arrangements to pick up the truck. Less than 24 hours later, my truck has been cleaned out and sent to auction! Not only that but I was NEVER told I couldn’t pick the truck up the same day my payment was made!! When I called all 3 places (Credit Acceptance, the tow yard and the auction) the staff was INCREDIBLY RUDE, DISRESPECTFUL and ABSOLUTELY DISGUSTING! While I can understand most people do not have great credit, if Credit Acceptance is ever an option for a financial company DO NOT DO IT! It’s more of a headache than it’s worth! I plan on paying my remaining $600 (out of $ 19,000 and the truck isn’t even worth that) early to be DONE WITH THEM! Absolutely HORRIBLE!!!

Ok, this is the first review I have ever wrote. However, this company needs to be put on National News as one of the worse companies in America! These people financed a 10,000 dollar Envoy (2005), with 1,900 down payment under a 4-year contract and my car payment was 372.00 a month! After 3.5 years of making payments, my pay-off is August 2018 and guess what it is the end of April 2018, They repossess my car from me falling back in December where I continued to make payments Jan, Feb, March, And this April but 20 days later, they came out and repossessed my car at my job 4:00 pm.

My father passed away in May 2016. Since I was the executor of his estate, I gained possession of his 2004 Ford F-150. I was aware that this would be an extra monthly expense, but I didn't know it would lead to misery within the last three months of pay-off. Back in December 2017, I fell short of the payment and the vehicle was repossessed. I went through the proper channels of paying repossession fees, storage fees, taking off my job to drive 2 hours to pick the vehicle up,... etc. This was enough to make me NOT be late again.

They are saying multiple payments have not been made. Every payment has been made. I jumped through their hoops. I was told to send bank statements and then was told those weren't good enough. Told to send a letter from the bank then that wasn't good enough. I was told that they couldn't find the payment and neither could Western Union and there was nothing else they could do. The bank contacted Western Union and payments were found. I sent that proof along with all of the other proof to the corporate headquarters and have contacted them.

Credit Acceptance got my title to my car lost in the mail, then cost me extra money to get a duplicate copy. I called asking for them to refund at least half of what I had to spend and was told it's not their problem. The original title should have been sent certified to make sure it was reaching the correct person. Now I'm out money and pissed off. Thanks Credit Acceptance for that great experience.

I was going to be late with a payment although it was coming directly out of my account. I called to tell them this and they said, "Okay... not a problem. Call us back when the check comes back NSF and we'll take care of it." "Not to worry", they said. Okay, so when it does - they call me - a very rude collections guy. He threatens me while I'm at the doctor's office. I tell him where I'm at and tell him it's not a good time to talk - I ask if he could call me back or can I call him back - he's getting even ruder and says 'well your account will still be in collections.' He says, "We'll come tow your car!" I'm shocked as I can't understand why - because I'm late on one pay - the first time in almost a year.

Bought a car 5 months ago and was making payments on time each month and they still sent out bills saying that I owed thousands of dollars. This company is a ripoff and I wish never got with them. I went outside to take out the trash and my car was gone. I was pissed and devastated. When I called them they said I didn’t make my payments when the money was coming out of my account I had proof and they still said I owed. This company is the worst. Do yourself a favor and run. Go with someone else.

I used Credit Acceptance to finance my truck, they have very high interest rates and any vehicle you buy will have a high payment. If you use them carefully and pay on time and pay the rest of your bills you can refinance in a year with another bank. Be picky on the car you choose, do research and get the vehicle checked out. If you know or even think the payment will be tough to handle dont use them. You will only hurt yourself. Just because they approve you for that fancy sports car doesnt mean you can afford it. Pay your bill on time every time youll have zero issues, make late payments they will repo and charge you big fees. They did help me boost my credit up, it was expensive but worth it in the long run.

OH MY... so I just paid off my car in full with a $3900 balance. I've had it for nearly 3 years, about a 24% interest rate (yeah, I know, I was desperate). It's a 2003 Buick Regal that when bought was in okay shape - bought for $6k on a $4k loan. 3 years later I paid off $3900 today, didn't make a DENT in my starting balance all these years. I did the math and I've paid $9500 for this car and STILL paid it off early. These people suck, stay away. Far far away.

Had a leak in the transmission so I took it to the shop to get fix. I told them I had warranty, I have been wait 2 weeks on the claim to come in and it's still not fix yet?? They said at the shop it takes 2 or 3 days to get claim back, but mine has been more than 2 weeks and still nothing.

I understand at the end of the day I should not have agreed to finance with this company when I signed off the paperwork. At the time I had bad credit and needed a reliable vehicle to make the 30 mile commute to work. Being a year in though on a car with 121k miles. I cannot even refinance with a decent company now that my credit is getting better. This is because of Credit Acceptance's absolutely absurd interest rates. No bank will look at me. And CA does not offer their own refinance options. Find a different answer to getting a car and do NOT finance through this company.

I've had a loan with this company since 2014. I've paid over 19k off my 23k loan. Today my car got repossessed for a 50 short pay. I was on a payment plan paying $225 every 2 weeks. When I logged into the portal to pay my bill, it no longer have me an option to pay a partial amount. Only gave me the option to pay $398. So I paid the amount they told me to pay online. So two weeks go by to today. I walk outside to go to work and my car is gone... I call Credit Acceptance and they inform me I have broken my contract. I told them their new website would not let me make a partial payment. The lady proceeds to tell me I am wrong repeatedly. That it's my fault for not paying attention to the new website. Then proceeds to tell me the only way I can get my car back is to pay $650 even though I just paid them $400 2 weeks ago.

Credit Acceptance is the worst company in the world!!! Stay Away!!! My payments come directly out of my bank account and this company has repoed my car 4 months in a row!!! I PAID MY PAYMENTS!! They did waive the fees but it is the biggest hassle to be without your car for a week that they keep it and it's frustrating to talk to these people who seem to know nothing!!! Every person I ever talked to says something different that contradicts the last rep. Stay far away from this company!!! I want out of this contract!!! I think better yet, I'll just seek an attorney for lost wages, theft (cause they're stealing my car), harassment, breach of contract, and maybe a little pain and suffering!!!

I got a loan thru them and it's been hell. They repoed my car two times and I got it back both times. Now I owe 3000.00. Like why do I still have my car if I owe this!!! Then when you try to make payment arrangements they want to know why you behind. Like jobs are not guaranteed. Your financial situation can change at any point of your life. But how this company make you pay this high interest than your actual loan is crazy and it's not worth the aggravation.

Credit Acceptance is the worst credit company in the United States. They are scammers. If you can join a credit union and finance thru them. I had my vehicle for 2 years, paid over $15,000 on my vehicle and was late on my payment 11 days and they repoed my vehicle. I was highly upset so I went and traded that vehicle in because I didn't like how they handle their customers. Every time I had to speak with a rep there I always and I repeat always had to deal with a smart and nasty rep. I Hate this Company and they have and are still trying to scam me outta thousands of dollars saying for a repo fee which was $260 but the interest on that $260 was $4,469.29. I HATE THIS COMPANY. STAY AWAY. I REPEAT. STAY AWAY. CREDIT ACCEPTANCE CORP ARE THE BIGGEST SCAMMERS IN THIS COUNTRY.

I wish I had a more detailed description of the payments I've made. Every time I look at the amount due it happens to go up (after making my payment). Lol. Their customer service sounds like a bunch of uneducated foreigners that haven't been fed for 2 weeks - extremely unpleasant to speak with. They will demean you and try to make you scared. It's pathetic. STAY FAR AWAY.

My experience was one of the worst. That I can say, I never want anyone to fall victim of unjust business practices. Credit Acceptance not only called in the loan I was given in Feb/2014-10/2017 after I paid for the car, the principal and most of the interest but tried to give me a song and dance when I discovered that my payment history was inaccurate. Bottom line they took the car after making a payment arrangement for what agreed upon, and wanted double to give it back. I did report them. It was my reaction too. IF ANYONE FILES A CLASS ACTION LAWSUIT SIGN ME UP!!!

Beware. They will rob you. I paid almost double in interest for my truck. They send out stubs stating pay before this date pay a certain amount. Pay after this date which is 10 days later pay this amount which is $5 more. So I always paid within that 10 days. Come to find out they tack on extra interest if not paid by the first date. Which is like $25.00. I had no clue and been paying for 4 years like this!!! You think someone would have called and explained this to me. So I call to pay the truck off thinking I only owe a little more and then they explain all this to me. So I owe an extra $1000.00 because that's not a grace period. Oh I was mad. Never again. I paid $17,000 for a $9000.00 truck. Shame on me.

Updated on 12/07/2024: Credit Acceptance dismissed and closed the account.

I was in desperate need of a vehicle, didn't think I was screwing myself, anyway these people repossessed my car without even calling letting me know that they wasn't receiving the payment from my bank account. I was supposedly 2 months behind and had to pay 593 to get my car back plus I had to pay $20 to the tow man… they gave me the runaround before they released my vehicle. I just started working a new job and my car note was due Friday which was Feb 16. I told them I will have their money the upcoming Friday. MY car note was only 249 a month now it's 327.

I purchased my 2004 Cadillac CTS back in 2016 of August. I’ve made payments with Credit Acceptance on time for each month. One day I got a call saying I basically qualified for lower payments. Turning $250 monthly payments a month to now $150 a month. I asked if they could send me an agreement through mail saying it’ll $150 from here on out. They agreed and never sent it. Another problem I’m upset about was my date each month that I was suppose to pay. Come to find out it wasn’t the 16th of each month like I asked multiple times and they agreed again but it was the 10th every month. They blew my phone up demanding payments when I pay on time! My credit score dropped 66 points!! I’m very upset and so fed up with Credit Acceptance! Please give me a call so I can discuss this matter to someone that’ll listen and understand! Thank you.

They mislead the customer into believing they can pick their payment date then they harass you for being only a day late. I believe they do this in order to get you to do autopay option. At just one late payment they begin harassing you by threatening to affect your credit score. I was only one day late on a payment and they reported against my credit. Never again will I purchase a car by them. I’ll walk!

This was the absolute worst banking/financial institution ever. We had to use them at first because our credit wasn't great... It wasn't bad either. They would call at least 12-30 times a day and started the morning of the due date. Horrible, horrible, rude, nasty customer service individuals. These people should be ashamed of their selves. Finally got refinanced at my bank and when I tried to pay off the truck they want me to pay a fee for every $2000 and got rude as hell when I explained to them I just he the pay off. DO NOT EVER USE THIS COMPANY. Absolutely the worst.