Credit Acceptance Corp Reviews

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.

I purchased a 2006 Audi A3 back in 2014. The warranty they sold me was garbage. Clutch went. Mechanic butchered my car in the sum of $10k plus. Up to that point I was consistent with my payments. At the time of repossession I had paid Credit Acceptance $12,236 for a car that booked for $5,375. They want another $6,900 to get it back plus the $400 repo bill. I would recommend buying a cash car and work on repairing your credit. This is predatory lending at its finest. Legal theft.

My old car was leaking gas. The cost to fix it was worth getting a new one. I had bad credit, foreclosure, bankruptcy, late payments, and a divorce. I sat in a chair at a car dealership while they look for someone to finance me. It took almost an hour. The only one who took a chance on me was Credit Acceptance Corp. I had my car for 7 months. Then my rent went up to market value uggh. I figured I could just be 2 weeks late with my car lease payment. Phone calls started coming in. I decided to come to this site and check and see the reviews of their financing techniques etc. I was horrified! I kept reading myself sick. I was 7 days late while I await looking for an apt.

I was scammed honestly, I have agreements between myself and the lender as well as the deal, there was no reason for financing to fall through. Yet, the dealership came and took my car so I called Credit Acceptance since that’s who I’m ALREADY PAYING. They said the contract was closing but no explanation of why it closed, then proceeded on to say I was only “pre-approved” but sent me a welcome letter, coupons to make my payments, and happily accepted my payments and put itself on my credit report like if I was approved. If I had known financing through them was a LIE I would have walked away from the dealership and gone elsewhere instead of charging more miles and days on a car that was not going to be mine and got my downpayment and my trade in car back when I had the chance. Now I’m out my downpayment and my trade in car because I was lied to by not only this company but also by the dealership I went to.

Oh boy this will be a long one. Okay so I am 20. I purchase my first vehicle on 06/18/16 from Drivetime. 2014 Ford Fiesta financed thru BridgeCrest. These MFS sold me basically a lemon. My car broke down several times starting on 09/30/2017, barely a year. I had auto payments set up semi-weekly. My note was $433 a month so $214 every two weeks. I called my finance company which dont get me wrong they had a great warranty program. Only a $100 deductible, I called to ask if they had a loaner vehicle because the place that fixed my car had it for 3 weeks.

#creditacceptance Wow I can say so much but I will make a long story short! They approved me for a loan. I was behind $160. They never made attempt phone calls. They just came repo'd my car. I set up a pay date, they still moved my car to auction all the way to Flint from Detroit and held me responsible for going to pick it up after I had to come up with my late payment $160 tow fee of $260 and late fees plus pay to have it towed back!! For something that is suppose to help build your credit is designed to keep you in debt. Say no to Credit Acceptance!!! They're frauds in disguise.

My mom, dad, brother and myself all got cars the same day at this little dealership in April. We all were financed through Credit Acceptance. We made all our payments on time for 3 months. My brother passed away without life insurance. Called, tried to explain, they didn’t care so for the next 2 payments we made partial payments so we didn’t fall too far behind. My gram ending up passing away shortly after while still making payments on my brother's funeral. Now we have to pay for my gram's. We were so in over our heads we couldn’t even make the partial payments for the next 2 months. We had went out of town for 2 months. Left our cars in the driveway so they could take them if they felt the need. Got harassed saying we were hiding the cars so they couldn’t repo them when they were sitting in our driveway so we ended up coming home early to make sure nothing happened to the cars.

I knew I was about to get behind on my car payments, I had just had surgery and had to take a couple weeks off. I called them and let them know and it was supposed to have been set up for me, but the night before I was going to make my payment, repo guy pulled my car from my yard. I had to pay double my monthly payment just to get my car back and on top of that, they raised my monthly 60$ for 10 months. Saying I was behind that much. I was 3 weeks behind when my car was repoed, so screw Credit Acceptance. They suck.

I purchased a car for $4,995 at Hoffman Bros. Used Cars located in Laurel, MD, while I put down a payment of $2,500 my car was financed by Credit Acceptance Corporation, I got approved for a monthly payment of $169.89 per month for 48 months. Unknowingly a warranty of around $3,000 was added, I called to have the warranty removed. I was given a loan for double of the asking price.

I had purchased a car using Credit Acceptance- due to my own fault, I had a low credit score and they were the only ones willing to give me a loan. I made all my payments on time for 2 years, but due to unforeseeable events, I fell behind 4 payments. My car was repossessed- I cannot blame the company- I fell behind and they waited 4 months. I called Credit Acceptance to try and get my car back- they told me I have been on time and have put a lot of money into the car, and they'd like to work with me to keep the car.

I got the car 06/2017, had to change jobs and called them to allow them to know I will pay on the 15th instead of the 5th. I was rudely talked to, inquired if the co-signer could do it and allowed to know that there was no grace period. After reading the reviews, I wish that I had known this sooner. They need to be reported to the Better Business Bureau. I am sadden and wish they were better to their account holders. I have paid every month more and before the due day and this one time, this is what they do???

They are a rip off. They will make payment arrangements with you if you're a little late that you thought you paid off at some point and they will add on more fees so that it never ends. They will turn off your vehicle so that you can't drive it and repossess your car with the quickness and call you all day long 24/7 for a fee of $12.00 that you may owe. It's just an unethical company all the way around. They give high interest car loans to people that they know can't afford the car they finance and accept a large down payment so eventually they can repossess it and do it all over again. They prey on the less fortunate. It's sickening! Never again will I give them my business and advise you not to either.

In early December, I had what I thought was a minor car accident when I hit something on an extremely foggy night avoiding a deer. Long story short, my car was a complete loss. I had been making on-time payments since March 2017 to Credit Acceptance. When I called to notify them of the accident, there was no courtesy, not once was I asked if anybody was hurt, I was switched to a loans officer who basically told me they wanted their money. She informed me that I still needed to make payments until the insurance company sent them a check and I would be Responsible for the remainder that the insurance company did not cover. I informed her that I had signed a waiver for gap insurance, something she told me she did not have in her records so I would still need to pay.

I traded in a vehicle which was pd off but had to take out a 5000 loan. They have tried to repo my pickup 2 times prior to today. I have set up auto payments 2 different times but they didn't get the job done. Tonight when I got off work at midnight I walk out into the parking lot and my pickup is gone. I am so sick of this company. I've asked for my loan papers because they were giving me info that was different then the info I had in my hand, which I've never received from them. It's 15 below winds and I had to walk home. God only knows where my truck is tonight. I'm super pissed but should have been monitoring my acct daily. Don't expect to have to double check these fools the 2nd time. Do not go through this company. I know times get hard and things happen which put us at risk without credit. But try and find a company that cares about their customers just a little.

Harassing racial comments! We had to change our banking information relative to fraud. While trying to explain our situation we were unable to explain but due to very hateful and racial comments made by multiple customer service representatives. Life happens to everyone, there needs to be level of understanding when dealing with customers. This company and the people that represent this company are racist. They stereotype their customers giving no understanding to anyone that calls. I would encourage anyone to avoid this company and tell anyone they know to avoid this company.

I Purchased a vehicle financed through Credit Acceptance Corp in 2012. My credit was only around a 550 and I put 1000 on the car I bought. I made bi-weekly payments directly from my checking account and never missed one. During the 2 months out of the year when I received a 3rd paycheck I would call them and put a stop payment on my account with no problems. Warranty for my vehicle was through Flynn's for 2 years/24,0000. Even that was nice. Had to have my radiator replaced paid $120 only, needed a new fuel pump a separate time only $120. Pretty much everything was covered. Now I own my vehicle. If you can't afford to pay it don't buy it.

This is my first month having to make car payments to this company leeching off of people's financial misfortune and designed with the highest level of conartistry! After attempting to set up an automatic payment schedule I received an email saying that the payment schedule was successful and the amount listed would be drafted from my account. A few weeks later (2) I check my banking statement to notice that none of my payments were drafted from my account. I logged in and noticed that the payment had failed to drafter several days after I had scheduled the automatic payment. I received no phone calls no letters in the mail. Nothing. I had to call the institution in a frenzy to pay the overdue balance as my next monthly payment was nearly due. Not only were they trying to charge me the $16 late fee but a $10 fee to speak to a representative to handle the situation.

Signed a contract to buy a vehicle in October 2016. Wish I had done my homework ahead of time but I wasn’t told who the company even was until the contract had been drawn up and I was in dire need of a car. So, of course, I was thrilled at the moment. I learned the hardest way possible. This company is beyond bad! From October 2016 to March 2017 everything went pretty smoothly. In March 2017 my father, with whom I lived, died and I left my job at that time to move to Arizona. I had applied to get my retirement money from the place I had worked, hoping that I would get it before my next payment was due. I did not, and so it began.

13 months ago with a credit score of 550 I was able to get a loan through them for 10000k, my interest rate is ridiculous... my fault not theirs. I have made every 322.00 payment on time or before... Never had them call, never even spoke to them or gotten mail from them. Today my credit score is 665. I hope to be out of this loan soon, but they gave me credit when no one else would.

Bought an ‘08 Pontiac G6 GT, amount was 12K after taxes, traded a car and put 2,500 down, that was in beginning of 2015. No less than a month into owning the car I had to spend some big bucks on replacements and repairs. I paid them $250 every month. In September of this year they reposed it, I called them several times between September and now and got several different BS excuses. One person told me it was reposted base solely on the financing fees. They sold the car at auction for 500. I got a notice in the mail that I now owe 4385, I called them up and was told there is no record that I called in October (which is BS) and that for 2500 they would take it off my credit report and that the car was not paid off.

Had Credit Acceptance for two years, times got hard and I couldn't make a payment. That's when the true colors of this company came out with harassing phone calls, threats to take away the vehicle which eventually happened. They asked that I'd pay 500.00 to get the vehicle back which I could not do. 3 yrs later I get papers from a sheriff saying I'm being sued by Credit Acceptance. This company will ruin your life. Stay far away.

In February my truck was repo because I was 32 days late. I was charged a recovery fee of 299.00. I paid extra every month to cover that fee until August. In October, I was 5 days late they picked it up again. I was informed the arrangement was voided because I was late. At this point the balance of 148.00 to my monthly bill. I paid 780.00 to recover my truck. There was another recovery fee added to my account. This happened 2 weeks ago and a payment was due on 11/22. I spoke with someone on 11/26 and told them I would pay the full balance. They repo my truck on 11/27. Now, I am receiving back to back calls daily. It seems they are just in busy to get the recovery fee instead of working with their customers.

So back in July my husband and I had found a 2010 Dodge Avenger. They were selling this car for 6,000. They told us the only person who would finance us was Credit Acceptance which we said okay to and that the cost for the car would be nothing down. We get to the paper signing part and Credit Acceptance was trying to force us to pay almost 10,000 before interest on this car with 1,000 down. We decided we didn’t want the car anymore because that was ridiculous. So we left the dealership empty handed.

Thank you Credit Acceptance for repossessing my car for the third time since I've been with you guys. I've invested almost 6 grand into a car that I've had less than a year... The first time I was two months behind. And you came and got the car the second time I was one month behind and this time I was 4 days late... It has not been a full month that I've had my car back from the second repossession. Not even 3 weeks and you come take the car again. I wish I had my car to be thankful for... but this company really does suck. I have paid 659 less than 3 weeks ago. So now I'm guessing this will be what I have to pay to get my car back. Smh. And that's not including the bogus storage fee that they may charge for not cleaning out my car and saying they did.

I was barely behind ONE payment and was getting a bonus in less than 10 days to get everything caught up... and they came and got my car the night I made a partial payment. They are mostly horrible to talk to on the phone and they have no grace whatsoever. Never had this problem with them before and I cannot wait to walk away from them if I can. The car is almost two hours away from me to go pick up after paying them over $800.00 to get my car. I just pray there isn't some hidden fee when I get there to pay the car lot because I will lose my mind. DO NOT USE CREDIT ACCEPTANCE TO FINANCE A VEHICLE IF YOU THINK YOU MAY GET ONE PAYMENT BEHIND. How can they sleep at night?

I never had any serious issues with this company other than the warranty. They promised me covered everything...actually covered absolutely nothing. In the 4 years I had it not a single problem was covered other than the transmission I had to have rebuilt one year after I purchased the car. And I paid extra for the superior high tech warranty. I had many many many problems with the vehicle in the first 2 years. It’s a miracle it is still running. I knew going in I was going to pay nearly 20,000 for a 12000 car...but that is the price you pay for having poor credit. I was lucky enough to have a good paying stable job in this economy so I was fortunate to be able to pay it off this past week...but looking back I would suggest building your credit on your own for a few years while you get by with a better car until you are ready to buy a car from a reputable dealer with a better credit score to save you a lot of money in the long term. Yes the warranty is bogus!!!

I financed a car through them, decided I could no longer afford it so I took the car back. The guy named Mike at New School Auto said he could cancel it and I would not have to pay for the car. I talked to a supervisor at Credit Acceptance and they agreed and approved the cancel because I willingly gave up the car before it went past due and now they are trying to get me for $8,000 dollars of a past due balance even it's on record. I returned the vehicle and had them cancel the loan, lease, the finance; before anything went delinquent.

Calls you all the time, harassing people and asking do people have any other type of credit cards and when is my next payday. Personally that none of you guys business, I think this is a bad credit company to deal with. All about a dollar and completely not understanding at all. They don't communicate with each other, always harassing you. In my opinion that's not what a company should do. You never know what someone has going on or what they are going through. Give people a chance and stop trying to be all in their personal business, whenever someone get paid I'm sure that Credit Acceptance will receive a payment. Glad when I leave this company. Not a very good one at all.

I was so excited to be able to get a vehicle and that Credit Acceptance was willing to give me a chance. I am a single mother who was in a domestic violence marriage. It was hard, but I was managing...then Hurricane Harvey came. I called to find out what they could do to help me. I was displaced from the hurricane and had lost everything. I was asked what I thought that I could pay. I was in hysterics and didn't know. I was asked if I could make 100$ payments. I said, "Yes. I am sure I could do that." So it was set up for September and October to be 100$ payments. So I made the payments and thought everything was okay.

I thought I was alone in my situation. Scrolling through the comments I found out that they treat people like **. The whole point in being a second chance anything is to work with people and help them get back on their feet. I can see they’re all about money. So I was explained thoroughly about the GPS tracker on my car. I’ve had the car almost 2 years. I’ve been a few days behind or even almost 2 months behind because of life happening but I doubled up on payments or overpaid each payment. So recently I moved. I’ve gotten back on track... mind you they CALL ALL THE TIME! They call from as early as 6 to whatever time at night. I’ve gotten maybe one letter months ago. But to me they just sent that letter out to save face. I had paid up but this random letter comes in saying what I owe.

I do not know if they pay the persons on their website to give good reviews, but I have dealt with this company for only 4 months and they are horrible. They took my car because I was late on one note. I called to get it, and paid the note. I then ask them if there are any fees for them sending someone to get it. They tell me the only fee I have is $25 for my personal belongings, which I thought was ridiculous. So I specifically asked again was there any hidden cost for the vehicle being towed, and again I was told no. Once I called to get it released they proceed to tell me there is an 800 charge for the towing and repo that will be added to my car note, and that if I’m late once within the next 24 months it’s up for repo again. Never dealt with this before, and this entire ordeal seems like a nightmare.

Anybody considering to get a vehicle try and avoid this place. They don't work with you. Even if you're in good standing with them it means nothing. Staff is rude. You end up paying ridiculous amounts of money on a car that's not even worth it. You won't be able to get refinance due to that fact. They ** you in any way they can.

They will pretty much finance anyone. Second chance place when you have bad credit. Will not work with you at all if you ever get behind. A complete headache. Do yourself a favor, run far from this company if you can. Fix your credit and go with a bank or credit union. Glad I live in a major city that I can catch the bus to and from. Huge weight lifted that I don't have to argue with these ** and I can save my money. Their loss not mine.

This company really does stink. They turned the car off and then turned it back on 4 hours later. We made last payment and asked them when we would get title sent to us they said we have to go to DMV to get the title as they don't hold the title from New York and that the dealer should have given it to when we picked up the car. They are a bunch of rude sob. Customer service is a joke. They are rude and very unprofessional. They should be shut down, plain and simple.

I financial a car with credit acceptance and this is still on my credit report and I want it off. They auction the car off, sold the car and it been over 7 years but this company is still won't remove this off my credit report. I want them to remove it off ASAP.

My car was repossessed on a Friday after missing only one payment. When, I discovered my car missing, I called Credit Acceptance to ask if they had repossessed it and they told me they had not and to contact the police. After causing a big commotion at my place of employment, it was discovered that my car had been repossessed on a security camera. I kept calling them, until close to try and make a payment to get my car back but I was still "not in the system". I finally made my payment the next morning (Saturday) and my car was released and they told me that a fax was being sent to the repossession agent. Credit Acceptance also told me on Monday, Tuesday, and Wednesday that it had been faxed and that the repo company must not have received it yet.

I'm trying to pay this car off early because my Mother is in an Assisted Living Facility. She owes nine payments of $217.69. The contract states no penalties for early payoff. They tell me if I pay it off by 11/07/2107 the cost will be $2025. I've talked to at least eight people about the following issue: If there's no penalties for early payoff, my Mother should not be responsible for the nine months of interest, that they supposedly charge you daily.

If you are unlucky enough to get a loan from them do not fall behind even by one week. They will illegally blow up your phone 5-10 times a day and call at any time, including 7 am or 10 pm. They are extremely rude, openly hostile, will try to contact your employer as well as family looking for someone to pay them. The customer service staff are beyond rude and will treat you like garbage even if you are making a payment to them. And on top of it all, their interest rates border on usury. You can get a loan for 4000 and end up paying 7 when all is said and done. Do yourself a favor. If you have to choose between no car and having to save to just buy outright or go with these scumbags, just take a bus and save your money until you can buy outright. They are not worth the trouble of dealing with and you'll spend far less in the end.

So I have been on the phone with Credit Acceptance all morning. I made a payment on my car to get my car released. I have been calling back when they ask me to and they still haven't released my vehicle. I have work and I have been telling them I have work. My car is 45 min away from my house (I know what town it is in) and an hour away from my job. I work at 12 noon. Right now it is 9:48 and I have not been able to get my car when they said it would take half an hour from now. But apparently not. Now I am waiting on one of the representatives to respond to an email. I was on the phone and they couldn't even get in touch with them verbally.

I've had my car over 2yrs. I've always communicated with them and stayed current but somehow I'm not and they keep taking my car then charging more money to get it back. Since my monthly payments have gone up and they continue stealing the car out of my driveway. Can't live like this. We should come together and sue this company!

Since DAY ONE, I have had issues with credit acceptance. The FIRST TIME I tried to make a payment I was told my account was closed and that I could not make a payment. Called for a WEEK STRAIGHT and received the SAME INFORMATION! Was told I would be contacted when I was able to make a payment. Weeks went by with NO contact. I then receive a letter in the mail telling me I am a month behind! How is this possible when the account is “closed”? I call and make a payment through the automated system not wanting my credit to be damaged further. The next month I call to speak to a LIVE REP because I received ANOTHER letter saying I am ANOTHER MONTH BEHIND! Was told my account was closed and a payment shouldn’t have been made! ONCE AGAIN! I call a District Manager by the name of Mindy and she tells me everything is okay and they entered in my account manually and it’s now “opened”. (thank God!)

I rarely write reviews but I had to on this unethical company by the name of "CREDIT ACCEPTANCE CORPORATION". In retrospect I should have done my due diligence and conducted an extensive research on this company but I was in need for an automobile at the time. I financed a 2006 BMW 330xi through this corporation and was charged 20k for a vehicle that is worth $5,000. Usually corporations like these don't last because of unethical practices it's just a matter of time before karma catches up with this entity. Some of the customer service representatives are very rude especially the one named Brittany.

My son totaled his Jeep. We immediately contacted our insurance company and Credit Acceptance to let them know what was happening. We then said we wanted to cancel the warranty and get the paperwork going for GAP. They told my son that once the vehicle was paid off by the insurance company then the GAP would be processed. They contacted my husband because he was a cosigner and he also told the person on the other end that the vehicle was totaled and insurance would pay it off. I then notice that they are dinging my husbands and sons credit history for late payments when in fact they know it's been totaled. My son calls them today only to find out that they went to the salvage yard and reposed the pile of junk.

I called today to ask for a payoff amount on my loan. I get a guy who asked why I want to pay it off. I said, "Well, it's a piece of crap, in and out of the shop, and I want to trade it in." He gives me a payoff amount and says, "What shop?" I said, "Well, why do you need to know that?" So he presses and presses, so I lied and said I didn't know, as seriously, the warranty they sell you is also a piece of crap that pays the shops next to nothing anyway.

My husband died suddenly at the age of 43, so I did a voluntary repossession of my car. I had never missed a payment. Unfortunately, I could no longer pay for the car as a widow. Credit Acceptance sold the car and still charged me $150.00 monthly for the balance. I had to move, get a new job and pay cemetery costs. When I missed payments on the car I no longer had, they issued a Writ of Fieri Facias Instanter to put a lien on my property, even though I don't own much of anything. I have never dealt with such a heartless company.

This company is a ripoff. Made payments on time for over two years. Now show I have missed. Or 8 missed payments. I was late 2 or 3 times but that was due to public holidays and the mail wasn't delivered. Report car Sunday night Monday morning without notice. Run like heck from them.

We got our car about 9 months ago. We always paid the bill. Well they came and took the car from my husband's work with no heads up. We called them to see if they took it and turns out they did. As for their reasons, first it was about a "$50 late fee" Then they said we missed a payment around August 20th the day my daughter was born, when in fact I paid them 2 weeks before that so it was not due . Then they claimed we've been late since April. Looking into our bank statements, that was a lie.

So I've dealt with this company for 3 years as it was who the dealership choose for my loan. My coupon book states my payments could be made from the 1st to the 15th and when my payment wasn't there by the 8th I was getting 4 calls a day about it. So why when I only had 2 payments left did I not receive ONE call asking where my payment was. I mailed my payments as before and because I didn't receive a call I believed that they had received them. That is until I awoke and seen my truck gone.

Bought a car Sept 2016. Came & repo car Aug 2017 because I was late 4 July. My husband gets disability so we pay every 2 of month. Made 2 payment in June. One for June. One for July. They said did not pay for July because payment goes for previous month. REALLY!! Does that make any sense. Then they told me a price to get car I said "does this go for my monthly payment." He added all these repo fees. Employee said "$150 for towing, 150 for key they made (no key fob) & $50 for auction inspection." Talked with sup he said "$300 for towing, $150 for key, $50 for auction (I live in MS, auction 3 hours away in AL). And $120 TRAVELING FEE!!!). WTF!!! And $25 for PERSONAL PROPERTY for my bible, CDs & plates. I was never behind & do not have car to go to AL to pick up car. CA IS full of **. I am suing. Now have lawyer. I suggest class action suit & put them out of business!!!

This is the worst company I have ever done business with. The car I bought was a 2010 Jeep Liberty. My 84 year old mother went on it. I did too. The car broke down the FIRST day we had it about three months ago. The motor blew. I called them to pick it up. They said they had to send papers. They did but they didn't pick the car up and keep adding amount to the balance we left which made our credit bad and still doing so. Can someone help us.

I've had the vehicle for two years. Let's not mention the $3600 I had to fork out in the first 6 months to fix the transmission, exhaust, brakes and fuel pump that they refused to cover. Never been late. As I ticked away at my credit I opted to refinance with my bank. To which I was able to secure a much better loan and get myself out from under these frauds. Or so I thought.

Bought a car from a dealer that used Credit Acceptance. The car was a piece of crap. 3 days after I purchased it the transmission went out. Called the dealer. They kept telling me it was out of their hands that it was the finance company problem. I called the finance company and they told me it was the car dealer's problem. I made payments on the piece of crap truck for a few months. Could not drive it.

I purchased a 2011 Taurus Limited from 10-Point Auto Sales in Spring Mills, WV. I had, prior to this, never purchased a used car. After a costly and difficult divorce which lasted nearly 2 years, my credit was destroyed and my 2008 Jeep Grand Cherokee LTD was falling apart. I had driven by this dealership for nearly 4 years and watched them grow from a 20-car lot, to a 200-car lot.

If you are a women that ever plans on being pregnant I would highly suggest you never deal with this company. My girlfriend had to go on medical leave for the last month of her pregnancy and she can't collect her short term disability pay until after she gives birth. Well we figured we would try to get a payment deferred. Keep in mind she's never been late once in a year. They won't work with you at all. Actually they asked if she could make payment early after they denied her. I wouldn't recommend anyone to deal with them since they obviously hate children and pregnant women.

Well, it all started when my mom was out car hunting and we came across this place off the Interstate in D'Iberville. The salesman was very nice and the owners as well. Got my mom into a car that has really turned out to b a great car. She is happy with it. There are a few things that could have been done better... But overall mom was happy. So I decided that when the time came I would be going to the same place... Already had my eye on a car. Well, I delivered the newspaper during this time so my car was my office. I had a 1994 Nissan Pathfinder... A gift from my son for my birthday. Have to say it was the best vehicle I've ever had Considering it had an oil leak the whole 4 years we had it. Well, we put money into it and my husband said that if I was to continue doing my route I was going to need something better.

I had only opened a loan with this company for 6 months when my car was totaled in an auto accident and the person driving was nearly killed. The car had full coverage, so I notified an agent at CAC that the note was to be paid off by the insurance company in a matter of weeks. Since the car was totaled, I was told not to worry about any future payments. Right before the insurance company released the check(s), CAC repo'd the car, or what was left of it, so that the entire insurance check had to be sent to them, since they had claim to it. They then extorted another $1,200 in fees from me for the repossession and are selling the wrecked car in auction for additional funds. The amount I was supposed to get for my car was reduced to a third, and I won't even get it from them for 21-30 days.

I'm going to save you from back story and be as succinct as possible. I needed a car loan and had less desirable credit. I found a used car lot that uses Credit Acceptance as its loan company. I got my car and made my payments on time for two years until I had issues that put me behind two payments. I have made every payment since on arrangement with the company. My credit has been decimated since. It shows that I have missed 25 payments. Am a father of 4 so catching has been hard but diligently, I have maintained my payments. This company will not help in any way and will do all to harm your credit further. It's best to avoid if at all possible.

I WOULD NOT recommend doing business with this company! I live on a very fixed income, I was 2 weeks late for my car payment that I planned on paying when I got paid which was the next day. I was at work, and when I went to get into my car it was GONE! They took my vehicle because I was two weeks late. Now I know I was late yes, but 2 weeks and they are jacking my car. I had my wallet, car seat, personal papers and all in there and they will not tell me where my car is until I pay the payment and the 250.00 repo fee! I did not think they could hold your personal belongings until you pay. How in the hell am I suppose to pay with out my wallet? I would never do and will never do business with this place again. And every time you call you get some rude ** person who treats you like ** because you have bad credit!!! I'm sorry but what a joke.

READ THIS!!! DO NOT EVER BORROW FROM THIS SUPPOSED BANK CALLED CREDIT ACCEPTANCE CORP. out of MICHIGAN!!! They are shady loan sharks and how they are allowed to do what they do to consumers and get away with it just blows my ** mind. Trust me 3-1/2 years of hell. I could go on and on and tell you everything CREDIT ACCEPTANCE has done/put me through.., I don't even have all the time in the day OR TWO to tell you or how DIRTY AND GRIMY CREDIT ACCEPTANCE IS.

Horrible horrible people. A bunch of heartless idiots. I wonder if they train their staff to be idiots or may they already came that way. How do these people sleep at night. I traded in my 2008 motorcycle for a 2012 plus gave them $1000 cash. 18 months later I owe more than the moneys I financed. And I paid $280 a month. I can't even sell it unless I pay it off. And it takes over a month to get the title. So I can't even sell it. I've had a bad month at work. My payment is 20 days late. They call me 5 to 6 times a day. They can just come get the P.O.S. I should have just saved my money. With the 4000 trade in and my $1000 in cash & the $5000 I already gave them in payments I could have bought the motorcycle for cash. I just hope when these people die they roast in the pits of hell for eternity. Worst company ever. Hope they burn!!!

When I purchased my car, the lot value was12,500 with 90K Miles on it. It was explained to me that my pay off would be around 19,000. This was a complete lie. After putting in more than 18,000 into the car, it broke down with 171K miles (2 years) I let them pick up the car. After telling me I spent more than 18K on the car and that I signed for now 24,000 they have been trying to get me to get the car back. I asked how much was left on the car and they said 11,000. Are you kidding me? Nearly 30,000 for a 12,000 car that doesn't work! Screw these people. They are rude, ignorant and need to be shut down!

THEY ARE LIARS... the warranty doesn't cover a darn thing, the rates go up, they repo without helping you, anything you can think of they lie about it. They are not legit... I asked to speak with the CEO Brett A. Roberts and was told he’s too busy to speak with customers, no email or phone number listed for him on the CEO website either. How funny is that and you can't write any reviews on their FB page either lol. I have sent them a letter on July 19, 2017 and they received it on the 24th and they wanted to tell me that they don't see no letter in their system then all of a sudden when I said "I’m recording" "Oh look the letter popped up" lol.

Loan Sharks from THE HOOD. Purchased a car using these clown and regretted it from day one. The customer service people treat you like **. They charge the absolute highest interest rate allowed by your state (may want to check that). You can only pay by automatic withdrawal or Western Union. I going to check if that is in their contract. If not get ready for a class action lawsuit. To the guy in Pittsburgh... You need to hire an attorney pal. Both the dealer and Credit Acceptance would be paying me big. If you have any other option besides CAC... DON'T USE THEM.

These people are horrible! You will pay way more than the vehicle is worth and when you get out of work due to medical problems they don't give a **! I was unable to keep working due to neck and back problems and finally was able to get another job much lower pay though. We contacted them and explained the situation and told them to come pick it up. They finally sold the car but now they say we owe more than when we first bought it. They should be run out of business because they are vultures. Just because you don't have the best credit does not mean you should get raped by ** like these.

Credit Acceptance and its dealers put warranty attach with their cars. They stated that if anything goes wrong you can take it to a repair shop, which is false. It's a discount no one will accept. I have a pending lawsuit in District Court of Michigan. I have so far three people who has ask to file a claim against Credit Acceptance. If you would like your voice heard contact me at **.

I bought a car through them in February 2016 for $11,500. The Apr is 24% they do not stop to charge me fees and at the present time my loan still at $10,366.79 which mean I paid thousands of interest and fees only. A this point my car would be almost paid if it wasn't the high interest rates and fees. They only used Western Union through their site and if you pay through western union they are adding $6.95. This is really crazy! I understand all the reviews I read and the furor people feel as I am in the same situation as well. Plus they send letters if you are 10 days late about repossessing my car.

This morning I woke up to a tow truck taking one of our cars. The tow truck driver would not wait for me to call Credit Acceptance, and tells me I must owe 2-3 payments. I do not. So I call Credit Acceptance after he leaves without telling us who he is or where our jeep is going. Credit Acceptance tells me there is no repossession order on the car, but then the woman puts me on hold to talk with her supervisor. She then tells me she needs to contact the agent and call me back.

I financed my vehicle back in 2014 for what I was told was a 36 month loan at $331.32. That seemed right since the vehicle was just shy of $10,000.00. As the end of my loan was supposed to be approaching I got a balloon payment and was told in order to stay on track I needed to pay $406. After doing this for a few months I call to get a pay off and find I still owe over $4000 on my $10,000 vehicle after 3 years?!? I ask how this is possible since my loan was nearly up, and I was informed my loan is for 51 months! I have them send me the paperwork and it says 51 months. I know the dealership told me 36 so shame on me for not reading or shame on them for pulling a switch on me.

Purchased car through Credit Acceptance. Car got repossessed by Diversified Recovery, while in their care. Also Grand Rapids Auto Auction's, the license plate was torn off the car, the trunk and rear bumper severely damaged. Also the front fascia damaged. It was clearly apparent that the car was pushed by another vehicle (it is a running, driving, well maintained vehicle). Why??? Anyway, I complained to them and they told me to sue them! Really!!! Or claim it on your insurance! Crazy!!!

I bought a car in Jan 17. The car was 7500. My payments were supposed to be 176.00. After I got all my paperwork from the bank my car total went up to 24,000 and my payments are now 376.97 a month for a used 2009 car. I have been fighting with this so called company now for 6 months. I now have 3 different totals for my car on my credit. They will not work with me nor will they talk to me on what I actually owe.

I went into a dealership. First thing I said was I didn't want to waste their time and mine. Told them exactly what I had and what was on my credit. They assured me that they could finance me because they had a bank that guaranteed to finance anyone that they matched up the person with a auto as they had a inventory of their auto's. They sold me a truck without seeing it as it was on their other lot and showed a picture of it and the Carfax.

When I talked to the guy for a down payment he said "1,500." I said "how much would you gave me for my car." He said "500.00. And come up with 1,000. And we can get you in the car you want." I said "sounds good". But when things were said and done and all the paperwork was rushed thru it came up that they tacked on an extra 1,000 on my bill. When asked I gave them 200.00 down and 800.00. Was only gave them 500.00 down. I said, "And 500.00 for my car." He said yes and I told him, "It don't add up. So I should owe only 500.00." He said no because I didn't have 1.500 down. Then they said I had a two year warranty.

I finance a car with Credit Acceptance October 2016, 10 days afterwards I found out the car needed a motor. The warranty would not cover it, I refused to pay, they offered to lower the amount I owed by a couple of thousands, I said "no!" It's been nine months now and the car is still sitting at my apartment, I want this car gone.

Tried to pay off the car and had so many issues. First, you can only use Western Union, so you need to make many transactions as you can only pay 2000.00 each time. Second, Western Union charges you 5 dollars each time, plus the wait time to receive title is over a month. Their employees are not very knowledgeable either, was told all good by one employee then the other told me something totally different. Will never use them again or refer a friend to them.

I got my 07 Grand Prix for my birthday and my aunt had to co-sign. They were selling me a dream to help get my credit straight. I was told by the owner that if I paid on time for 6 months I can get it transferred out of her name into just mine. That right there is an huge issue when you drag someone else's credit into this mess and that's not even the only thing, so later on earlier this year I call a different location still ran by credit acceptance and see if I can trade the car in. I told them my dilemma about the car and what they're doing to my credit. The rep I was talking to laughed and said, "Sir we just say that to get people into cars", rep admitted himself the company was kinda shady. Then come to find out they hit me with an app rating of 24% high and no explanation why, and that's not even the worse.

This is the absolute worst company I have ever dealt with. They say one thing and then do the total opposite. We have never missed a payment in 5 years and one month somehow we did. No calls were given and the car did not notify us either, as they said it would. They repossessed the car and when we tried to get it back they said they couldn't find it. Then they told us it was in transit for a whole week, with us calling every day. Then they claimed our car was in a check in process at the auction.

So I have an 07 Chevy Impala I financed through Credit Acceptance Corp. I never had any problems with them as I never had a late payment. My car got nailed with hail in May and because the money I got on the insurance was more than what I owed I had to pay the car off. The insurance sent Credit Acceptance a check almost a month ago and they still haven't paid me the remainder money. Do not try to do business with these people. I feel I may never get the $1500 they owe me. STAY CLEAR of this co!

My truck was taken into the dealership where it was purchased to get repairs done to the engine. The dealer knew me well because the car had an extended warranty and had been brought back about 4 times since the purchase within 6 months. The Service Manager at the dealership said he was so sorry that I was having so much trouble and would make sure he could get me a good deal on the purchase of a rebuilt engine. Unfortunately, my Warranty did not want to cover this expense due to what they called neglect by not stopping the vehicle and parking it to be towed when the original problem was noticed. Unfortunately, the car started having engine problems on the road late night going out of town. It was a rural area and there was no cell phone reception.

I would like to leave my frustration here with this company, in January I started an auto loan with them, unfortunately in March I was involved in an accident where my car was declared as total lost, unfortunately I did not have GAP insurance, so I lacked more or less 700 dollars to finish paying my loan, on which I paid Tuesday 06/06/17, I was informed that I would need a lien release or full payment letter to buy a new car, in which I was also informed by CAC that it may take up to 15 days to receive these documents, so I started calling them and informing them that I would not have this time to wait, and that I would need an urgent document just to inform that my account was paid, something simple, and they are giving me false information since Tuesday the first day that I requested this document.

My very first payment with this company was messed up. Salesman set up auto draft from my bank account. The payment was not taken day it should have and when they did finally try I was short. The rep called me. I told them I live on fixed income. Could payment be rolled to end of contract? No. I was told I had to pay with card... I refused. I asked for supervisor. I was told they didn't have one... asked for phone number to office refused to give me one. I asked for mailing address to mail money order. Was told couldn't give it to me (I guess they don't get a commission unless they collect payment). Well I said when they called again maybe someone could help me.

I had an emergency situation last month and could not make the payment. I called them to ask for an extension on the payment. Their answer is they don't do that so I explained that I could not make my payment but would catch up with a payment on June 9th and then my regular payment on June 20th. They started calling me on June 7th... A total of 9 calls with 2 voice mails left. When I got off work, I called them back and AGAIN told the rep I would make the missed payment on the 9th. It is now 10:23 am on the 9th and they are calling again. THIS IS THE WORST COMPANY I HAVE EVER DEALT WITH. DO NOT borrow from them no matter how much you want or need a vehicle. There are other subprime lenders out there who are willing to work with you.

It was obvious I was being ripoffed from the start, but I was in a bind and really needed a car. The car lot was in on it as well, as a matter of fact I believe that they just pocketed my down payment. I bought a severely overpriced SUV and have made on time payments for 4 years. The transmission is going out in it and I am looking for something else. I can live with the fact that they ripped me off cause I knew it from the start... what I can't live with is after 4 years of making on-time payments... it has been no help to my credit.

OK. This company is so inept. On April the 15th of this year we paid off our car early I might add with 0 late payments. Now it's June 2nd and we have yet to receive title. Every time we call, different story. "It's in the mail" they say. Now they say we have to go to our local tag office, that they will have it... It took a month just for them to send the papers saying the loan was paid... We never will use these nut cases again!!

I purchased a 2012 Mitsubishi with the purchase price of $16000 and a trade in of $7000. I have been paying $500 per month for 3 years. That is a total of $18000. I still have 2 more years to pay. The car is nowhere near what is owed so I can't trade it for a new one. I have asked about having my ex husband wants to take over the payments but they do not refinance. This company is supposed to help people with less than perfect credit. Instead they stick you with a loan that is outrageous and the car will never be worth what is owed. RUN!!!

If I could give 0 stars I would. I just called to get a payoff quote. I financed 7300.00 and have made 4560.00 in payments. They told me my balance is 6900.00? That the finance charge was over 4000.00. I was told the finance charge was 23.99% which would make the finance amount 1751.00? The person on the phone said they could not tell me why it is calculated automatically. I understand my credit is less than perfect but almost 50% interest? Stay away from this company if you have any choice.

Stay away from this company. I was late with one payment, woke up to an empty parking spot, paid extra to recover my car that was promptly set for auction, and now my credit score 420! It's been months since my car was repossessed. I've paid on time & sometimes early since. Checked credit score two days ago & my once 720 credit score is now a whopping 420! The only item on my credit is this ** car. This company is evil & their customer service sucks.

I have never been treated so rudely. I called on the 8. Told them I bought a Jeep from Jeep Liberty. Called them. Told them the Cavalier was making a noise. I knew this 'cause my mechanic looked at it. He said the car was unsafe. This lady informed me that there no grace period at all. First of all why can't I have a safe car to drive. Why should I drive a car, get in an accident, kill myself and maybe a family. This car was released with a built missing from the Cavalier. It looked like it was grinding against the rotor. I'm so hurt. First car I have ever bought in my life.

I don't understand the negative reviews on here! My husband and I purchased a car from a dealer in 2014 and this loan company gave us a chance when others did not! We were young and didn't have very established credit. Just a credit card that we were late on payment with. Since that day when we drove home in our 2007 Chevy Equinox with 90k miles on it we have not had any issues and never missed a payment! We have it set up as auto payment through our bank and check every other Friday to make sure it goes out! We had one fail to go out for unknown reason and they called to see what happen because we never miss a payment! Turned out they tried to pull the money before his check hit and the bank stopped it, we told them run it again and boom right through and not problems since! This was a short loans and will be paid off soon and hope to finance a new car through them!

This is the worst company to have any dealings. They are rude, and uncooperative. They repo'd our truck when the payment was two days late, charged a huge fee, and what they quoted us to get caught up changed after I sent them a huge payment. When we got the truck back the repo company messed with the GPS tracker device and the truck hasn't run since. We tried to tell Credit Acceptance and they told us to call the repo company. The repo company said they didn't touch anything. So, once again I called Credit Acceptance and told them they'll get a payment when someone fixes the truck. So, of course they put it back out for repo. At this point they can have the damn thing because nobody wants to or knows how get it running. Maybe they can pick it up in the damn river.

Called Credit Acceptance for pay off on car loan. They stated I was in collections. Can't be, have never missed a payment in 4 years. Rep said in 2014. I went online and canceled NY auto payment and reinstated next month. No computer here, that would be impossible. Then rep said I called. No way. Asked for their transcript. Rep refuse to send. I asked, "OK if I did that why almost $1000 more." Finance charges, late fees. What? I was never notified. Nothing. This company is a scam. I never called, never did anything online. Shut this company down!!! They make up charges to pull from your pocket.

The folks will be happy to give you a high interest car loan through many of the worthless used car lots they work with. We've been paying on a car through them since April 2016 and the vehicle ran for less than 90 days, then broke down completely due to the "repair" to the a/c that we required in writing before purchasing at Alabama Auto Mall in Center Point, Alabama. Credit Acceptance Corporation would only say sorry to hear about your problem with our crap dealer, when will we be sending more money. Credit Acceptance Corporation is a predatory car finance company with only their own best interests in mind.

I had called CA in advance to make a payment later than the scheduled date of the month. The representative was very nice about it. Unfortunately the day that I'd pay got mixed up. I said next Friday. She noted it would be two days later. So four days later they called me saying "where's your payment?" I said "next Friday." She gave me an attitude. I even offered paying a late fee. She demanded money that day and said there is no Grace period. That's fine but why be nice about it in the beginning then call me four days later demanding money. This has happened a couple times. Yes I should pay on time but there are times when we all get behind. Besides the car financed is parked in my driveway needing a catalytic converter and an alternator. The cars they finance are junk to begin with.

I purchased a 2008 Honda CRV. I will never go thru Credit Acceptance ever again. They are very, very rude. I only get paid twice a month and I make my car payment with my 2nd check that I get each month. They are very nosy. I was told when I purchased my car that they allow you so many days for you to get their payment to them but after 2 days they are blowing your phone up trying to get a hold of you for the payment. Then they start in at you saying, "Why is your payment late" and "Can you borrow the money from someone." And I proceeded telling them that I don't have anyone that I can borrow from. They need to stop being so rude because my payments are not that late and I will be sending my payments whenever my money goes on my card each month.