Credit Acceptance Corp Reviews

I went home and thought about everyone here. I couldn't sleep, I kept checking on my car at night. Then finally went to sleep. I woke up. Was so glad to see my car there still. I rushed and made my payment. Just so you know. I DO NOT WORK FOR THIS COMPANY. But, grateful they gave me a loan. Maybe high interest. But, they were the ONLY ones who would finance me. I wouldn't finance myself. LOL. I'm sorry for ones who had such bad experiences. It wasn't the case for me. I do wonder why my dealer said to me when I was approved. Don't be late. Now I know... We all have life challenges. Don't let your pride get in the way. Ask for help, family or friends, church etc... and, do not live beyond your means. They are a BUSINESS. And, I'm truly blessed and grateful they financed my horrible credit. LOL. :)

They had to replace the whole engine. by then I really wanted a new vehicle because that sucked but once I got it out the shop I was okay again until a 2 weeks later, Brakes went out, tires need replacing (basic stuff) and the blazing gun was the transmission went out. I was furious. Too much for me to only have the car for a year. Bridgecrest was not helpful. Never been late on a payment, did what I was suppose to and they screwed me. So now if I keep the car you think of other options refinancing, trading in, etc etc. So I attempted to refinance. Nope not gonna work. Then I attempted to trade it in several times. Car purchased at $13,000 financed for $17,000 in total with a interest of 14% would be paying $25,000 for a 2014 ford fiesta -_-, my leftover loan is $14,000 and get this my car trade in value is only $4,000.

Oh yes. I am very pissed. Ill be $10,000 upside down, nobody wants to finance me. Tried a few cosigners nothing. So I came along. A guy at Planet Ford. explained my situation and he said, "Dont worry about it imma get you in car," which every dealership said the same thing. He told me he found a bank but I needed $3,000 down thats including registration. So I got my grandpa to give me the money. Mind you I am still paying for this dang on Ford Fiesta. So new vehicle is with credit acceptance. I am happy to get a new car but I am waiting on the payment info and the interest rate.

It was reasonable. I guess I would now be in a 2015 Ford Focus payments of $388 monthly ext warranty plus I can trade it in 2 years. I will say this to anyone who has a Ford car be careful. Those Fords should all come with ext warranty on the transmission. They have very faulty transmission. If one is not offered to you DONT ACCEPT THE LOAN. I made my first payment of $388 to credit acceptance this past weekend. I spoke with a rep to turn on my semi monthly payments because it's easier to me. I keep all my documents and I record phone conversations. I see so much negative reviews for this company. I hope I dont have a bad experience.

Get home they're fine. Still sitting there. They call me all day 15-20 times a day off like 6 different numbers. I feel no need to answer after being falsely accused and harassed for months straight. Now the cars are still sitting in my driveway. We still use them everyday and have not made a payment in months because when we try says the accounts are closed and I won’t call in to talk to their poor excuse for a manager. They have no sympathy for anyone. They are ruthless. Don’t get me wrong we would love to keep our cars but at this point the only way to do it would be if they refinanced our loans and gave us a fresh start.

I called to discuss what had happened to my $2,500 down payment, the dealer attempted to double talk me, I then contacted Credit Acceptance Corporation with the same question, the representative stated that she didn't know what happened to the down payment. She stated that the amount financed is what was reported to them by the dealer. I then called Hoffman Bros. back, to again ask where'd the down payment go and how is that I owed over $8,000 on a car that was selling for only $4,995 excluding tags, title, dealer fees, etc. minus a $2,500 down payment that somehow "disappeared." After a year of payments, it is said that I still owe over $1,800. I advise anyone to not purchase from Hoffman Bros. or get financing Credit Acceptance.

They allowed me to make a partial payment rather than the entire amount I was behind on and released the car to me the same day. Of course repossession is horrifying, embarrassing and beyond stressful, but I truly felt that Credit Acceptance was very lenient with me and wanted to work with me- I felt the customer service rep was very respectful to me. I called, explained I understand it was my fault and why, and asked what I could do. Communicate calmly with them (I understand how hard it is to be calm when you walk outside and your car is gone) and I truly believe they will try and work with you.

At some point the dealer whom I bought my car from, called the Credit Acceptance rep he deals with, to confirm that I had gap insurance, which he did, and he was told the most I would have to pay is my deductible with reasonable payments. This happened around the holidays so it's obviously a time when normal people are low on cash to begin with. I had no problem with paying the deductible in a timely fashion, for a reasonable amount of money. I obtain a new loan, for a higher monthly payment due to the fact that I still show the Credit Acceptance on my credit. My deductible was $500. Last week, Credit Acceptance begin calling my house, so on my first day off I called them, and they told me that I now have $750 of my loan in collections.

I asked them why it was in collections when everything I have paid is up-to-date, and he replied it was because I haven't made my December 24 car payment. I replied that they were aware of the vehicle was totaled out on December 4th, and the check was sent to them from Geico on the 20th... Isn't it kind of petty to have expected a payment on the 24th? I was informed that they added that payment onto the $500 deductible which they want in hundred dollar increments. NOT the affordable monthly payments that I was told they would be, especially since my new car loan came at a greater interest rate due to the outstanding loan with Credit Acceptance at the time I bought my new car.

Credit Acceptance does not work with you, there is NO empathy, and obviously no decent customer service. And the rep said to me, at the end of the phone call, that once I was done paying the $759, I could seek other car loan with them. You're insane. Not if you were the last predatory lender on earth. Oh, he also told me that I could use my tax return to pay it off. Thanks for the heads up guy!

They also can't help you set up the automatic payments over the phone so I would have to log in every week and several days after the payment is due to make sure that it will be drafted from my financial institution. This cruddy not only has given me a nearly 20% (!!!!) interest rate but also can't seem to create a legitimate drafting process and has INSANE fees for paying over the phone or logging in onto the website. The only way to avoid processing fees is to schedule automatic payments and their system is complete crap. Mark my words as soon as I can refinance through a different bank I will be GONE from this wretched and despicable terribly organized, thieving company!!!

Beginning the end of April I received harassing phone calls every day. I explained my situation, letting them know I was awaiting money and looking for full time employment. By the time I got the money, my car had been repossessed in May. As soon as I got the money I paid all the fees they said I had to pay to get my car back and catch up my payments. I went to the holding company and got my car without incident. I was unable to find full time employment in Arizona. I only worked a temp job until I decided that I couldn’t find a place to live there and make it on a temp position. So I came back to Virginia the end of June. It took me until the end of August to find full time employment, and by the time I started working, Credit Acceptance was once again harassing me daily. I asked them to work with me. My job was going to start August 28th and I would get a paycheck two weeks after that. They refused and they came and got the car again.

On August 30th I contacted Credit Acceptance to see what I needed to do to get my car back. A friend was willing to help. I was told I had to pay $677.00 to recover my car. I called back on August 30th and paid the $677.00 plus a $3 fee. I was placed on hold for approximately 15 minutes. When “Sherry” came back on the line she said that the auction house that had my vehicle could not be reached because of the Labor Day weekend. 09/05/17 I called back. A male rep said he couldn’t help me and I should wait 2 hours and call back. I waited over 3 hours and called back.

“Tasha” put me on hold while she contacted the auction house. She came back and said the auction house refused to release my car because they were replacing a damaged bumper. She wouldn’t give me contact information for the auction house even though I had paid what was demanded of me. (There were bumps and scratches all over the car when I bought it. The back bumper has a smudged scrape on it, but it’s not dented or broken.) I asked her why they were replacing the bumper and she said because it was damaged. I told her scratches, bumps and dings were on the car when I bought it. I asked who had authorized repairs and who would pay for them and she said I would. I told her I was not paying for any work that I had not authorized on that car and she said, “Yes you will. You don’t have to authorize anything and you will be responsible for the payment of repairs.” I got off the phone because I was getting nowhere.

I called back on Wednesday 09/06 and on Thursday 09/07 and was told the auction house would not release my car. I believed wholeheartedly that the car was auctioned and Credit Acceptance was scrambling to find it and get it back. They deny this. On 09/08/17 I called Credit Acceptance at 10:17 a.m. They said they couldn’t reach the auction house and I should call back in an hour. I called back at 1:33 p.m. and no one would answer my call. (They get your account information before your call is even transferred to a rep.) I could not get through until 5:15 p.m. at which time I was told the auction house was closed for the weekend; call back on 09/11.

On the eleventh day of this fiasco, I called Credit Acceptance at 1:00 p.m. and spoke with Sharon in Redemptions. She finally gave me the information I needed to go pick up the car. However, she first told me that I had an outstanding balance of $973.28 that could be added to my current payments over a 24 month period due on the 29th of each month. This brought my car payment up to 467.31 per month. I agreed. I picked my car up at the auction house on the afternoon of 09/11/2017. The auction house had a difficult time finding my car. Over an hour later when they brought it to me, the first thing I did was look at the bumper. The same damage was still there that had always been there. So I asked the man there what the deal was about me not getting my car for 11 days because they were replacing the bumper and yet it was the old bumper.

He called the admin office and asked about it and no one knew what he was talking about. He told me that it must have been a miscommunication with Credit Acceptance. I told him there was no miscommunication; Credit Acceptance had withheld the car from me for 11 days after I paid to get it back. By this time I just got in my car and left. On 09/29/17 I made my first newly arranged payment to Credit Acceptance through Western Union Speedpay of $467.31 and all seemed to be well. On 10/29/17 I went to Western Union Speedpay to make my second payment of $467.31 and the site would not accept my choice of date as it was a Sunday. A message popped up telling me to pick a business day’s date to make my payment, so I chose Monday, 10/30/17.

On Tuesday morning, 10/31/17, I received a call from Credit Acceptance and was told that I had breached the agreement and needed to pay over $861.00 and how would I like to take care of it. I told the man I was not past due and I explained what happened with Western Union Speedpay. He said that was not acceptable and I had breached the agreement, so I began to tell him again what had happened and he told me that if I would just calm down one minute he was going to do ME a favor of reinstating the agreement. I decided that for November I would not give Credit Acceptance any reason to accuse me again, so I went to Western Union Speedpay on 11/28/17 and made a payment of $467.31. Western Union Speedpay then processed another payment on 11/30/17.

I had deleted the auto payment for the 30th, so I went back onto Western Union Speedpay to see what had happened and the auto pay for the 30th was back on there as if I had not deleted it. I called my bank to request a stop payment for an unauthorized payment that I had already made in the 28th. Last week Credit Acceptance began calling me on a daily basis to say that I have again breached my agreement because I stopped payment at my bank for a payment to them. I told them that they got their payment on 10/28, a day before it was due and I stopped payment on an erroneous transaction with Western Union Speedpay. They told me it was their payment that I stopped and therefore I am still in breach of the agreement and I need to pay them $861.00 and change immediately. I have argued; I have tried nicely; and I have yelled and they will not back down.

They say I am in the wrong and they don’t want to discuss anything with me except the matter at hand. They don’t want to talk anymore about September or October. They won’t let me say anything to try to explain without cutting me off and saying that I need to listen and stop talking. When I do so and then I try again to tell them they have received my November payment earlier than the date it was due, they say that they can see what I have paid and when, and that I still stopped a payment at my bank that was theirs so I have broken my agreement. I told them it wasn’t their payment; I had already sent their payment, and it was in fact overdrawing my checking account, so I did stop it and then they start telling me that I am admitting I’m in the wrong. You can’t win with these people! I’ve read so many bad reviews of the exact same nature as mine and one person was absolutely correct when they said this company ruins lives.

So I did some research. Found an article on BBB about a lawsuit in Topeka, Kansas. I'm just going to get an attorney at this point. They obviously don't have anything together nor know their jobs. The representatives are rude as well. I would love to have my car because I do have two small children, but forget them and their corrupt business practice, I'll stick with walking the 20 minutes to the bus, and borrowing my friend's car until I get a new car and this BS resolved. I don't suggest doing any business with this company ever!

For the next CAC kept calling us telling us that they would knock the price down, so we decided to go and get the car because we needed a second car. 3 weeks later CAC was BLOWING my phone up telling us we were 3 months behind on payments and that they were going to come repossess the car. A week after that when our first payment was due, we had yet to get a payment book so I called them and was trying to find out what my payment was. They kept telling me they couldn’t find our account. So fast forward a week THEY CALLED EVERY SINGLE DAY MULTIPLE TIMES A DAY. But whenever I tried to return the phone calls they couldn’t find the account and were beyond rude. We finally received a payment book and the payments were over $600 a month.

So we paid the payment via the Western Union thing on the phone and they charged my bank double which overdrafted the account by 200. I called them polite as all hell trying to get them to send back one of the payments because I only made one. So I had to go put a stop payment at the bank and tried to get my money back. Well the bank successfully did that and CAC was LIVID. They had people calling me nonstop telling me they were taking the car if I didn’t make the payment right now. Well fast forward to two months after we got the car in August we were driving down the road and all the lights shut off on the car and the gauges stopped working. So we called to get it fixed via the warranty we paid extra for and guess what they kept playing phone tag with me. So I just let the car sit in the driveway broken down, called them three times a week, telling them to come get the piece of crap.

So fast forward three months they finally decided to come get the car and when I walked outside to give the guy who was repoing the car key he set his hand on the gun in his holster. Now mind you I don’t live in a bad neighborhood or a bad city. So I give him the key and he takes out the front end of the car when lifting it on the flat bed. So two weeks later I wasn’t making payments because I don’t have the car. They sold the car for 4,000 and told me I owed them 12,000. They tried to tell me I had to pay for the damages on the car. So needless to say I got a lawyer and I’m not going to stand being walked all over. NEVER GO THROUGH TO CREDIT ACCEPTANCE.

Now it's killing my credit score and they refuse to remove it from mine and my brother's credit report because we co-signed. We took the car back before it went delinquent and they agreed to have it canceled and told us it would not affect us whatsoever. This company has poor customer service and every time I call and give my name they hung up on me. I need this off my credit report to get my son in a good school. It wasn't supposed to be sent to collections in the first place. The car was not repossessed. I drove it to the dealership, gave the man the keys and told him I could no longer afford to pay on it and he said he will cancel it and not to worry about it. I do not have any of the paperwork anymore because I didn't think anything would come of this.

I then called to see if I could get 1 more month of help and I could return to normal payments the following month. I was informed that I was 1400.00 behind in my payments. And instead of trying to figure things out was asked, "Who could you get to make this payment." I spoke to a supervisor, I am now having to basically make double payments for the next 3 months. I do work but I don't make much, and I have 4 kids at home 1 with sickle cell and one who is autistic. I now have more bills because I got us into a new place. I just wanted to warn everyone to be careful and consider all options before using this company. I would NOT recommend using this company!!

So Oct 21, Saturday, I walk outside and my car wouldn’t start. I’m not figuring this out. I’m thinking that maybe the battery finally died because it’s a 2011 and I wasn’t sure of when they put a battery in it. So okay I get a jump (which is crazy how I get a jump and the car is running). I get an oil change just in case. I took it to NTB to get a new battery and they tell me the starter went out. So I’m like that’s impossible.

The car just started. There like we tried to jump it with the new battery in and nothing... Still not putting it together that the company turned the car off because I hadn’t heard anything. I had to take off from my job until I got paid. I got the car towed to a NTB near my house so I could walk to it and get it replaced. They told it was the starter and I paid to get that replaced. So the car was hesitating like it didn’t want to start. I’m like, "Something isn’t right." So I took the rest of the week off. I was able to drive it no problem the rest of the weekend.

Monday I walked out and my car was gone. So I’m panicking because I worked Saturday and now all of a sudden I have to call off work AGAIN. I called them and they ask me where the car was. Then tell me to call the police to see if it was reposed. How do you not know that YOUR COMPANY TOOK MY CAR? The police department is rude here. Everybody in the customer service for this company is rude. They made promises to me but wouldn’t keep them. I told them you guys always call and LEGALLY are suppose to send a letter in regards or catching up before getting the car. They claim both are courtesy. I let them know everybody has been rude. Had I known you guys would repo a car for 30 days I would’ve kept my old car and paid it off then figured something out. I gave that back because it was costing me too much and the dealership made it seem like this was the best deal.

Once, I get the car back I will be looking into refinancing with somebody else. They claim there’s a booklet given to you when you first sign up. But once again you don’t send notices when a person is late and try to work with them. Karma is all I have to say! You don’t kick somebody when they’re down. At least other companies give you 90 days and will call or send out notices. They will try to help.

If you’re looking into financing through this company DON'T DO IT! Had I known this like I said I would’ve not done anything. I’m working full time. I moved back home. I’m in school full time. I’m having to take unpaid leave from my job due to this and find something in walking distance so I can get the money to pay them to be able to go back to my job. I'll either be refinancing with another company or getting out of this car to go to a different bank. Oh and the extended warranty sucks. The radio in my car went out. But of course I have to figure out how to get it fixed or a new radio.

Anybody who’s dealt with them God bless you. I understand what you’re going through. I thought I was alone. I’ve been upset and struggling. But I now see with all the reviews and some are recent this company is horrible. My mom told me her ex had a car financed through them and they did the same thing. The 7 year mark came and they tried to garnish his check. Karma is a **. They will get their back. You can’t run a company like this and expect to be successful. You have people getting repossessions or in debt and explaining why for no reason. Only reason I gave them one star is because I had no choice but to rate them.

After taking off work on Monday and calling back and forth between the repossession company and Credit Acceptance, the release was finally ACTUALLY faxed as I sat with the woman on the phone and begged her to fax it and email them while we were on the phone. Now I have charges built up from having my car in storage for 7 days. I am IRATE!!!

Now here's a real kick in the rear, if I just continue to pay the monthly $217.69 the price is only $1959.31. When you call them they give you the payoff price, when you explain that, that can't really be the price, they just continue to say "The payoff price is....." whatever price they come up with on that day. When I read the contract to them, they don't reply to any of my facts, again all they say is the payoff of the day price.

The car payment was due on 10/13/2017. They didn't receive it by midnight, so they called me at 10 am on 10/14/2017 to inquire why the payment wasn't made. They offer no grace period whatsoever on the payment due date. And you're charged a 2% late fee. Today I was told to talk to my financial advisor on the reason why they're charging me interest on a loan that I'm trying to pay off early, and why is it that if I just make the next nine payments it's cheaper than the payoff they're giving me right now. This is by far the most crooked company I've ever heard of. They're making money off of people that don't have good credit, and those that can't get financed due to not having a substantial income. We all need to band together and start a class action lawsuit.

I don't know what is going on with this company but I think I am going to find a way to refinance my car because this is ridiculous and unacceptable. The customers' needs should be put first. Don't make them wait. I've been calling them for the past two hours. I have a job that I would like to not lose and bills besides my car to pay. This company is very aggravating and one of the reps gave me a complete attitude when I called. I have spoken to three reps and none of them seem to be doing their job. I do not care for this company at all whatsoever, I just dropped $1000 to get my car out of repo. Money that was in my savings account and now my savings is drained. I need to be able to get to my job to start building up my money again.

I call and try to set up payment arrangements because now my loan is showing 2 months past due and I do not want to get my car repossessed and I’m set up with arrangements. I make the payment on the scheduled date and wait for it to hit my account. A WEEK passed and NOTHING! I receive a call telling me I had NSF and the payment was returned! So I call my bank trying to figure out what’s going on and they tell me the information is INCORRECT! I call Credit Acceptance back and I get told that I didn’t have NSF. It was returned because “information” was incorrect! This company has been nothing short of a headache since DAY ONE!! DO NOT FINANCE YOUR CAR THROUGH HERE. Save yourself the headache and save until you can afford or try and go through a company with a better background!

This corporation is not for the people, but for the money of hardworking individuals who help to keep our struggling economy afloat. The CEO and executives of this corporation should be highly ashamed for trying to take advantage like the way they are doing but I'm pretty sure they are heartless and they have no morals or a soul of good nature. I can understand profiting $5000, but $15,000 is ludicrous. After I'm doing paying off this ridiculous loan, I will NEVER spend money with the corporation again in my life, and I will do my part to make sure I spread the word on how vicious and conniving they can be. Please I'm begging anyone that is reading this stay away from this corporation they are no good blood sucking leaches who get a joy out of robbing people for their hard earned money.

I can just imagine the employees they hire to work for them, how could you work for some sharks like these people. I feel the pain of each and every disgruntled consumer whom has took the time to vent on the corporations that give the United States a bad name. Do not worry "CREDIT ACCEPTANCE CORP" has its own karma on the way. No to need to fight back and forth with them, just let go and let God deal with them. The universe does not like UGLY. Sincerely an unsatisfied customer.

Our insurance company now cannot pay it off since they are no longer in possession of the piece of crap and Credit Acceptance said they would have to sell the scrap and then let the insurance company know what the balance is. HAS ANYONE EVER HEARD OF A COMPANY BEING THAT STUPID!!! Do they not think that people have access to attorneys just because they has to use their POS of a finance company. Tonight will determine whether I contact my attorney in the morning. If they do not stop dinging their credit for missed payments then my attorney will be more than happy to rake them over the coal and hopefully get my son & husband a little extra for slandering their credit. If you have to buy a car and you have bad credit you'd be better off going to a tote the note place. You'll get a better interest rate. STAY AWAY FROM CREDIT ACCEPTANCE. THEY ARE A RIPOFF!!!

Mind you, this is after I have paid, faithfully without a problem on this car for almost 3 years AND the payoff is less than $5,000. I'm just waiting to see how often they call me this week demanding to know the name of my mechanic and how bad the repairs are? Uh, call the car lot. They're the ones that have had my car in the shop for almost 3 months pretending like they knew how to repair it, before finally admitting today that they don't. And did I miss a car payment this whole time? NO. Call the local dealership. That's where my car has to go tomorrow, where I'll probably get stuck with a four-figure bill to repair the engine. Call my lawyer. That's who I'm talking to next. But the name of the shop where my car is now. I don't think so. Bite me. Next time I'll just buy a $2,000 car from the local want ads. It'll probably run better and I won't have a loan over my head.

The woman he spoke to literally paused and hesitated to come up with that crap. They want $655 to get it back and $70 to get our personal stuff out if we decided to not get it back. Then my husband got legal help, and the woman refused to answer him about why the car was taken. She then claimed they lost his record. Now we are waiting for them to call back within 3 days like they said they would, which I don't even know why it would take 3 days to come up with an answer. All in all these people are ridiculous and if we weren't in desperate need of a car we would tell them to keep the p.o.s.

They have no cares whatsoever. It was literally 8 hours until I could speak with someone that they had my truck and I had to pay $285 towing plus a $35 personal property fee. I'm beyond pissed. I asked why didn't I receive those same 4 plus calls daily 3 months ago like I did the whole time. I was told the calls are a courtesy. I asked so why not a letter, that too is just a courtesy. Well heck you bugged me daily and now that I'm almost done you decide no call or letter is needed.

No courtesy extended to avoid this extra fee... Then it hit me, this is how they make money. Word to the wise DO NOT ALLOW A DEALERSHIP TO SELECT CREDIT ACCEPTANCE AS YOUR BANK. This is happening too much and to top it off they bank on owners NOT being able to pay so that they can get additional money out of the vehicle which they charged 2 or more times what it's worth. Please get informed of who you're dealing with. CAC only deals with those with less than favorable credit so that they can get extra money from you. These people are legal crooks.

My financial institution requested a payoff last week. And we finalized the loan this past Friday. To which Credit Acceptance is due to receive said payoff, which should include any and all balances on the account, this coming week. Again, I finalized the new loan on Friday. Saturday Credit Acceptance began blowing up my phone. Claiming I had defaulted on my loan and that it was in collections. No. Never been late. Their payment is on auto pay and I've never missed a payment. They're threatening to repossess. I advised them that they are due to receive the loan payoff this coming week and to please note that on the account. The representative was extremely rude and demanded a specific day. Again, my financial institution is remitting this payment so I cannot give a specific date but again due to be received this week.

If they touch my truck after all I've invested into it along with my commitment towards payments, I'm going to sue them like there's no tomorrow. Now that I'm in a better financial position than I was when I bought the truck, they don't realize who it is they're dealing with. I'm not an idiot and they're not getting MY truck. (Thankfully this beast does not have their fancy little added gadget installed-- GPS tracker).

If they enter my property and try to take my truck, the cops will be on scene and they will send them packing once I show them my paperwork from my financial institution indicating that THEY own the truck now, not these guys. Loan sharks who will milk you dry if you're too broke to fight them, or ruin your credit in the process. Not this chic, not after all the work I put into repairing the truck and my credit. They're in for a shock. Will update once my bank has confirmed that they received the payoff.

I called the finance company and told them to come and get the car. I did a voluntary repo. Now they want me to make payments on a car I don't even have. They claim they sold it for 1000 dollars but they are charging me 6000 dollars. Good luck with that. I will be doing a bankruptcy. I refuse to pay for a car I could not even enjoy. The shady car dealership is now closed. I guess they had enough of ripping people off with the help of Credit Acceptance. They get into business with the most shady of dealerships. Will not recommend buying anything from a dealership that uses them.

With my two sons in the Jeep, heading yet again to Advance Auto Parts, I stopped at the dealership to look at the vehicles they had on the lot. I found an extremely nice Taurus Limited. This car had everything in it. It was loaded with features nearly identical to my Jeep. It did not have a navigation system but I could live without that. The car was listed for $11997. A sticker on the windshield noted that it came with an extended warranty which was INCLUDED in the price of the vehicle. I filled out the credit application, put down a relative down payment and within 30 minutes, I was driving away in my "new" car.

I changed jobs about 8 months after buying the car and I called to change my payments (I pay bi-monthly and my pay dates changes) and spoke with a gentlemen named Keith. He was a perfect gentleman. Never once balked at changing the payment dates. Within 10 minutes all was taken care of. CAC has been good to me and my family. Words of caution: Buy what you can afford. Test drive the car like you stole it. I did. Buy and OBD reader and take it to the dealer with you, I did. I had a great experience. I would recommend CAC. Just understand, they deal with consumers with less than good credit, mostly. They need to watch their bottom line, too.

So off to Music Motors I went. I found a 2007 Nissan Sentra on the website for 4,999... Cute little car though it fit me. There were address things that needed to be fixed but they got me in the car. I was very grateful at the time. Well after I got home and sat down to go over the contract... I had financed the car for over 8,000... The price was 4,999 but when I read the contract it was said the price of car would be 7,000. 12 month 12,000 mile warranty which the warranty company didn't honor either. So credit acceptance financed me for 8,087. 7 for the car 710 for gap coverage and 1,333 for the warranty. 2 days after I got car... Had to have all new tires and a front end alignment done. 2 weeks after had to have struts motor and transmission mounts replaced, Cv axle and away bar replaced. Which the warranty company would not pay to fix because there is no mechanic where we live the will warranty their labor for a year.

So I called the place where I got car and the salesman said "no worries. I got your back. I'll get you the number for a mechanic that I know will use the warranty. Told me this 3 times but never called back. So I had to take the money out of my own pocket, my moms pocket and friends to fix and then have car turned back on BECAUSE I was late making my payments due to having to put money into the car. Needless to say credit acceptance was not helpful... Everyone I spoke with always said "we understand and we are trying to help you." I even had an operator tell me after I told her why I was behind...She says "well maybe if you put your priorities first you wouldn't be in this position!!!" I told her "lady I don't know who you think you are but I will pay What I can when I can" and that she could get... Well I called right back and made a complaint and pretty much dealt with the same stuff.

My husband has been laid off and they want to know when I can make a payment or if I can borrow the money from someone. Car has been repo'd, my stuff still in it and now they say I must pay in order to get my things. Oh and I've lost my paper routes as well since I have no car at all. So I was screwed from the moment I went back to the dealership. DO NOT EVER GO TO MUSIC MOTORS/AUTO HIFI TO GET A CAR... THEY ARE NO GOOD AND DEAL WITH CREDIT ACCEPTANCE... NOTHING GOOD WILL COME OF IT. My first time ever financing a car!

THIS WEBSITE "CONSUMER AFFAIRS", "THE BETTER BUSINESS BUREAU" are TOTAL JOKES they don't give a rats **!!! Claim to be there to help consumers please what a joke! My rights were and have been blatantly violated and nobody gives a rats **! DON'T WASTE YOUR TIME AND ENERGY!! NO ONE CARES!! Trust me I know from experience!!! All these websites that claim to be consumer rights advocates or whatever the hell are a total sham. Don't waste your time. No one's there to help you. You have to hire a lawyer for thousands of dollars for a car you only owe $800 on. SAVE YOURSELF THE HELL. No matter how desperate you are for a car loan do not borrow from credit acceptance corp. They are not a real bank. There is no way in hell they are.

They recording you record their ** back. They ain't giving permissions neither am I. Play their game as well. Send them a letter requesting three documents to validate the debt which they can't provide and then their collection supervisor ZACK wanted to play mind games with me acting like he didn’t know what I was talking about. Look up Mary-Elizabeth Croft. Read her book and see what I'm talking about. People we need to wake up from this slumber.

They never answer my emails. The only way to talk to them is to call them. I have to contact the consumers' bureau at the site www.consumerfinace.gov and FTC the Federal Trade Commission at www.ftc.gov/complaint, and waiting their answers. Now, my bank doesn't accept western union and rejected all the payment I made through their site. I have to prove I am not late and this is not my fault, as they keep adding fees! American Credit Acceptance has been sue in Massachusetts for Millions by the FTC and I think if we all are complaining to the FTC and the CFPB we will all get results and our interest, money, and fees assess to us. A good fight it is worth it.

When I asked if the agent is the person who would have taken our car she responded "yes". When I asked if we would have to pay anything to get our car back she replied she didn't know anything and would have to call me back. So now I am sitting here like an idiot waiting to find out who the hell has our car and how I get it back from them. I must be in the right however, because not once did the woman on the phone tell me I have a past due balance or ask me for a payment... Hopefully I can come back and update this once we find out who screwed up.

I continue to pay the higher rate and this month I'm at work and see some man walking around my truck. I walk outside and ask if I can help with something and he said he's VINing my vehicle, but it's not the one he's looking for. Even though I know I had just paid them I decided to call and be safe. Turns out according to them I missed April's payment. This is now June by the way, so I ask did I make May's? They said yes, so I said what about Junes and Marches? They said yes. So how did I miss Aprils, but continue to pay you? Why wouldn't you notify me of this error before sending someone to repo my vehicle? They even sent me a receipt for April so how was I to know something was wrong?!

This isn't the first time this has happened with them either. So I make an additional payment so they won't repo my truck even though I have a receipt and somehow managed to pay the two following months. They dinged me with a late payment from April dropping my score even though this seems more like an error on their end than mine, and I just checked my score today and I have been dinged with yet another late payment when my July payment isn't even due until the 19th! I love my vehicle and I had full intentions of keeping it since I have customized and formed an attachment to it, but I cannot fathom another 2 years of this! I sold cars and used to recommend this company and I truly feel guilty for ever recommending them. I have been a good customer for 3 years and now they are borderline tormenting me with this late payment credit dings over their own errors.

I guess they assume I'm not refinancing through them so screw it. That or if they ding me enough I won't have a better option, but to deal with them again. Horrible HORRIBLE company and I'm going to dispute everything I can from them through the credit bureaus. Also instead of paying $11927.52 for the truck I am now paying just shy of $17000.00 for a 10k truck. Despicable! I'll walk, ride a bus, or ride a bike before I ever finance a car through this company! Let me say the first 3 years were fine, but now that I am on the back end of my loan and no longer upside or stuck they have become horrible. I am constantly afraid that I'm going to go in a store and come out to my truck missing because somehow I missed a payment 4 months back, even though they sent a receipt, and I still managed to pay all my other notes. NEVER AGAIN!!!

Here's where the problem seriously escalates; If you don't redeem your vehicle, it goes to auction. If they seriously damage your car, they would get even less for your car and YOU ARE LIABLE FOR THE DIFFERENCE OF WHAT YOU OWED!!! See the irony here? Someone is liable! Credit Acceptance is LIABLE!!! AND WILL BE HELD ACCOUNTABLE! I hope many see this and have had the same experience. If you have please file suit. They are liable and need to be held accountable by YOU!

I have made all my payments even though it kills me to pay that much. They reported on my credit that I am late on a payment. I called them and they told me "No we have all your payments and you are current and on time," but couldn't explain to me why the reported to my credit that I have a missed payment. They actually hung up on me. This is by far the worst company to get a car loan thru. I have brought this matter to the AG and when they found out they wouldn't talk to me then started harassing me. They even told me that they would no longer accept any more payments from me and they were going to repo the car. Guess what. I still have the car and they have cashed every payment I have made. Credit Acceptance should be shut down!!!

Being desperate and hesitant I did the paper work. After I had asked about seeing the truck but was informed they couldn't go get it unless they sold it to me. Upon arrival of the other lot I was not very happy as the truck didn't look like anything in the picture. The inside had torn seats. The truck was dirty. The air didn't work which the dealer said they would take care of. When we got back to their lot he wrote up the items to be fixed then we went to gas station and the sales man went to pay for gas. I informed him I couldn't get the gas thing open. He tried. Finally got it. Said he would order a new one. The drivers door panel was falling off. The air conditioner didn't work. When went to start the key wouldn't turn. He got it started and said the key must be bent and it was the only one. They had to go to Wal-mart and buy a new one.

Before I let him leave I asked, "Can you make sure my lights are on" because after all this I wasn't sure if they even worked but they did. Went back several times to get the air done as the rep called and told me I had appointments to waste my time as the place they were sending me didn't have time. The rep said, "Well at least its not going to be hot that weekend" and it ended up being over a 100 that weekend. Took it to mechanic who said it just needed freon. It was cold for a day. I took it somewhere else who told me there is a leak in the line somewhere. Dealership wouldn't fix then the cat convert was messed up. Had fumes going into cab of truck. I was done with this.

I called dealer and Credit Acceptance. No one would help me. I said, "Look, I'm on fixed income. You knew this. I can't keep paying to fix and make payment." Can they work with me for a different auto? Credit Acceptance told me how sorry the dealer mislead me but I could go to one of their other dealers and explain my situation. When I did they would only give me half of what I was charged for this auto. In the end they repo the truck. My boyfriend paid to get it back then Credit Acceptance wanted twice the amount of the payment that I couldn't make in the first place. I never received a bill again from them and then the truck stopped starting all together again for the 3rd time. I received a call after never receiving a bill or any contact from them wanting 5000 or they would repo again after they had already closed the account and reported on my credit report.

And when I asked them why my total was so high they said "because of warranty." I said "I don't want the warranty." They told me I have to have it. It's the policy. So that was 5,000 that they don't tell you. I am not happy with the lies plus I had a wheel bearing go out. They wanted me to pay for it and they would pay me back, what a warranty. Do not send anybody over there for a car.

Back from the beginning I was told I had a warranty, the only thing the warranty covered was a battery! The car completely shut off on me on the freeway. Thank God I was ok. I went back to the dealer to get everything needed fixed. NOTHING WAS COVERED. I ask, "Can I refinance" and they told me they don't do that, just pay. I asked, "Can I get an extension or a little bit more time cause I had to come out of pocket with fixing it", so me trying to get the car drivable they towed it.

The big turn off was the customer service. I paid to get the car out and the monthly payments increases (crazy they can refinance or do extensions but they can add fees). I ask the lady for the address to pick my car and she told me I had to make an appointment, I told her I needed my car. It's dire (job). She said, "You try using Uber" so I told her "I gave you my money to get my car out and if I lose my job because you don't want to give me my car the day I paid for it out are you guys going to employ me".

Of course she not, so they released the car out to me and the man at repossessions ask if I was being finance by Credit Acceptance and he said that the worse company you can go with (I notice) so I got chewed out by my job. My axles was messed up from the tow truck so more money I had to put into getting it fixed so I wanted to get a tune up and the mechanic said, "Sad enough you were sold a lemon or a car nowhere near what it worth not even with all the Equity and interest rates". I just want out of this.

So after a week and a half we're finally able to get our car only to see that it had been ripped apart and all of our speakers, stereo systems, and lights had been stolen. They claimed they had insurance to cover anything that went wrong during this process and would handle it. Now they're giving us the run around, they keep closing our claim we had opened saying there's not enough information. Every time we call it's a different story as to why our claim can't be resolved. Mind you we only had three more payments left to pay when this debacle happened.

They are refusing to help, continuing to lie, and we've paid fees on top of fees. There has been thousands of dollars stolen from us, while in their possession, and they don't care and refuse to help. I am going to continue to escalate this issue as far as I can go because this is ridiculous. You would think a good paying customer that made one mistake, when the loan was almost complete would get more courtesy than what was given and would receive more help. I do not recommend them to anyone at all, in fact RUN!!!

To make a long story short, the Service Manager who made all these verbal promises ends up getting fired and never contacts me. I drive by the dealership about a month later and see that my car is no longer on the property where it was parked waiting for repair. I come to find out that the car was removed and reported by the Dealership to CA as abandoned. I have NEVER in two years made a late payment. I had to get my truck out of the impound and have it towed to another repair shop. I called CA and asked them why they came in got the vehicle. They claimed that the dealership called them and said that the vehicle was abandoned. I asked if they even questioned the person calling if they had tried to contact me and the answer was that is not their responsibility. All it would have taken was a simple question or phone call to me and this would have never happened.

Credit Acceptance was irresponsible in how they handled this matter, and the people at the dealership were twice as irresponsible. These companies are in business to make money and they CAN and WILL do that regardless. It just is not fair that they also make money by Capitalizing on the misfortune of others. I filed a complaint for this to be removed from my credit report but they refused. Why not? What will it hurt? Well I guess they feel I will be obligated to have to go through them again to get another HIGH ** interest rate in the future if they keep my Credit Messed up.

Today was the worst experience possible, in which I had the displeasure to talk to Nathan a man who speaks of being a manager, more than in fact and a totally unprepared person in relation to customer skills. Anyway, I'm starting to accept that they did not do anything for me, just like they did not do all those people who here also left their dissatisfaction with the company. I do not recommend anyone thinking of opening a loan with them, it really was the worst experience I've ever had in my life.

Every month after that my payments came out. No problems. 3 months they called me wanting 1st payment. I finally got address and mailed money order that came back as undeliverable. 11 months I have made payments. They repo'd my car. Want 250 extra for repo charge. The truck drag my truck down street with tires dragging so who knows what damage has been caused and Allstar Recovery is located at local auction lot 2 towns over. Gosh big surprise there. I wanna know who is going to cover whatever damage driver did. I read review. Said they were made to sign release before they saw car (that was damaged). Car isn't worth half what I'm paying and I can't trade. Help. Anybody have any luck with these people??

After talking to a REAL, reputable dealer, whom I explained my situation & is actually trying to help me, I was schooled on the disgusting practices of Credit Acceptance and their shady ** dealers. They will NOT report to credit bureaus if you make your payments on time cause they want you to be forced to come back to them. Until the bitterness goes away... Credit Acceptance is gonna be #1 on my ** list. My last payment is due in just a couple months & even though I've paid online all this time. I think I'm gonna mail a check in for that LAST payment... a check that's been soaked in rabid cat piss then dried, paid to the order of Credit Obliterators in the amount of the last dime you ** get from me!

You cannot blame the company for repo your car if you're behind on payments and also it's sad it's not their problem your car broke down or your check was short. You promised to pay you need to pay, cars break down and you have to fix them. It's part of life. Unfortunately it does mean you don't need to pay them! We put brakes, new windshield, windshield wipers, tires and a new trans in our car and still never missed a payment or expected them to let us miss one because of it! A car is responsibility.

The salesman probably just told you as he did me and my fiance that the dealership does not set the price, that only Credit Acceptance sets the sales price. Those are the exact words from the salesman (Grover) at Green Ford in Gainesville, GA. RED FLAG I.e. He may as well with that statement told me that if he wanted to sell my fiance the car for $3.00, he couldn't because Credit Acceptance required him to sell it for $13,000.00.

Getting into this type of contract and business transaction with FULL DISCLOSURE is one thing, as at least you would know what you are getting into and you'll be able to decide if you are that desperate and willing to be taken advantage of. However, if you are like my friend, NOWHERE is there any disclosure regarding all the fees this lender is charging. BEWARE, and my recommendation is RUN from this company. But if it's too late and you are under contract; if you feel that you been taken advantage of or if you did not receive full disclosure regarding their lending practices, send an email to ** as it is my full intentions of investigating completely to see about filing a law suit, single and with enough consumers, a class action law suit against this company. YOU HAVE THE RIGHT TO KNOW WHAT YOU ARE BUYING, AND THAT INCLUDES THE FEES YOU ARE CHARGED. File a complaint before it's too late.

But, I called the automated line to get a payoff quote and they claim that I have a Vehicle Service Contract on my account and if I cancel, I can get a rebate back. What is this and why is it attached to my loan? The original Warranty I had expired one year ago. I am not happy that with just a few months left in my loan, I am finding out that I am probably paying for something that I have no idea about and do not want. And if I can, in fact, get money back for cancelling, how would one go about getting that? At the time, I had no other choice but to use CAC to get a car loan, but if you do have a choice... Don't do it!

So I proceed to look at the Camry, it was outdated and not worth $8,999. Mileage was higher than the Acura, had multiple scratches, radio did not work at all, both 12v power outlets did not work, the muffler bosal had to be replaced, air filters had to be replaced! The dealer was aware that I was upset and felt played, but he proceeded to tell me how great it is to have my first car and how it will fix my credit, easy payments, blah blah blah... At this point, I'm locked in and I can't convince this man that I don't want the Camry and I really want the Acura and that's what I called about and PAID FOR and gave me some ** warranty! But WAIT, I'VE BEEN PAYING REPAIRS OUT OF POCKET!

As far as doing business with Credit Acceptance, I've had no problems making the payments on time at all. I pay monthly on the day the note is due. My only issues are, I communicated to customer care that my car buying experience was horrible and that the dealer lied on them as if they were the people that "put me in the Camry" and that the car had many repairs that had to be done and it's not the car I wanted... Their answer to me, "You'll have to deal with the dealer, we have no control and don't know what happens at the time of buying the car." 30 days later, the same Credit Acceptance rep calls me and asks "Did the dealer ever resolve the issue and repairs?" I told him I took care of it all out of pocket and I will not be dealing with the dealer in the future, then I ended the call.

At the end of it all, it sucks that I have this HIGH interest rate and I'm paying WAY MORE than what the car is worth according to the Kelley Blue Book. The dealership lied to me and lied on the lender and the lender didn't do anything about it! I just want to be paying for a car that is worth the amount of my monthly payments of $360.00! I'm paying an arm and a leg for an older (but very reliable) car and it is not worth the cost. HELP ME, CREDIT ACCEPTANCE! I HAVE BEEN A LOYAL CUSTOMER. Somewhat satisfied but the experience could be better.

I mailed my payment on time two months ago but the check was never cashed and when I called they claimed that they have never received the payment so I went online and made a quick payment to avoid having 30 days late on my account and two days later, they cashed that check that they did not receive?? The truth is that this company is more like a Federally Licensed Loan Shark, so it is what it is for now until I can get a bank loan. But forget anything about customer service and they will call you 50 times a day on your payment due date if the payment is not there by then... they call forever. I called them and I have written them requesting a print of my payments history and current balance but forget it. They will never send anything at all. They simply don't care. This is the truth.

I said first of all, "Why do I owe that?" And I was told, "Oh you missed a payment in November 2016 (breathe)..." I said, "How do I owe a payment from November when it comes out my acct..." "Well when you called to switch your original date to another date, the November payment was never paid." So let me get this right... I've made my payment every month with no problems and I didn't make Nov payment but I made Dec, Jan, Feb and March payment and scheduled to make April payment also and nobody bothered to call me until 5 months later...

I am not the person who missed payments or anything like that since I had the vehicle and that make sense to you guys (that I would miss a payment and continue on with the other scheduled payments). Now I have all these fees and has to make payments every 2 weeks for total of 7 payments is what I was offered... and oh wait for this one... skip a payment then add it to the end of the loan is not an option. So ** any and everything else that's going on in my life...

Oh and wait for this one I asked why wouldn't no one contact me Dec 01, 2016 to let me know I missed a payment and I was told why would they call because they thought I would call them. Why the ** would I call you idiots when I didn't know I even missed a payment. Oh but I made 5 more payments after the fact. I'm very irritated and would not recommend this company for anything. Should have known better when you can only use Western Union.

We called CAC and asked them if we could stop making payments for a month because all of the mechanical problems we had with the car and they said, "No." We were paying 400.16 for a piece of crap car that we could no longer afford to keep fixing. We only have two incomes my husband's monthly disability check and my work income and was barely enough to pay the car payment and everything else we have. The other thing that we didn't like about them was we had to call them every month to tell them that we were making our payment on the 3rd of the month because that is when my husband got paid. The rep would always get rude about it and say, "Well you can use our automated system or set up automatic payment every month," and we always tell them no.

Then this past January we decided to trade the car in for a new car. I called CAC and told that we traded the car in and said when were they going to get their payment. I told that their check was on the way from the dealership where we bought our new car from. They kept calling my husband and we told them their check was coming. We called the dealership and they mailed it right away. My message to people with bad or no credit, don't finance a vehicle with Credit Acceptance Corporation. They will ruin your life.

I asked to defer 1/2 a month payment and they said, "NOPE we'll just charge you late fees for the next few years until the loan is paid off and we'll harass you 8 times a day for the $200." Most car loan companies defer payments and will also waive late fees if late payment is not your fault, not this company. They live off the fees and any late fees they can throw at you. If your payment is due the 1st and your grace period is the 10th, let me tell you if they receive the money on the 2nd bam late fee. It's disgusting, I'm surprised they have been allowed to rip off people for so long.

Anyways, the bank has never given me any problems with the contract or customer service. I always get treated well when I call, a lot when I wanted to get it paid off. I didn't go through them when I bought my 07 Suburban only because the dealership didn't work with them. I used in house financing. The deal is, if you pay the payment on time they won't take your car. Read what you are signing and if you can't afford it don't buy it thinking they won't take it if you don't pay. They will! I would! The only thing I can see wrong is on my credit it says account closed and not account closed by consumer. Also is the same way on my credit from Atlantic Acceptance so I don't see an issue really.

The vehicle was seized and $1,500.00 downpayment lost. Today she received a wage garnishment notice. Says she owes $32,000.00 for the van. 13 years later. Some **. They gave a fraudulent loan, wrote it off and now want to garnish, now my wife's, wages. Well if anyone else is tired of them getting ripped off by CA start a class action suit. Stand up and let our voices be heard.

These customer service reps are definitely not customer service worthy people. They should be working at the dump with all the crap they dish out to the actual paying customers. In a line of work such as Customer Service "Customer" is the first word that describes what they would put on anything that says Job experience etc. These people should be ashamed by how they talk and treat people over the phone. I can guarantee you they wouldn't have such nasty attitudes and sarcastic tones if they were sitting at a desk, face to face with each and every one of us. I would give negatives stars if I could and would never recommend this company to anyone. Do your research people. If you go to a car lot, and they use Credit Acceptance as their bank/creditor run as fast as you can!

They don't work with you. It's their way or no way. Now they raised my payment more than I can pay for the back payment. Which I feel they could of put to the back. Now I just got my car back three weeks ago and explained to them I don't get direct deposit right now and I have to wait on the mail. So now they're talking after I make the payment we have to make another contract because it's past the due date. Which I told them ahead a time about the mail issue. Somebody really need to look in to them!!! And which may be my fault for not looking at the paperwork. I have a 2009 Lincoln MKS with 104000 miles on it. When I got it asking price 16000.00 + 2500 for warranty. 18500.00 at a 24% come to find out they're charging me 32000.00 for 60 months. Is me or they really doing some shady stuff. Never again, don't go through them. All they care about is money. Not the customers.

I'm writing this review because for the first time in my life...an adult pretended to suddenly have connection problems (like in the movies) and just hung up in my face. I just kept saying "ma'am are you really doing this I mean really" and she was like "sir... are you still there... sir... sir". I almost believed her until the very end of the conversation when I heard her say to a colleague "I had to get rid of his..." I can only assume that the last word was **. I'm not here to say don't do business with this company. I'm writing this to say if you do use their services, please understand that all the bad reviews here about their atrocious customer service... is apparently TRUE!

They are rude and I don't know how those people sleep at night (Oh and the payment was $ 1.76 short). Was on auto pay, say you have a 10 day grace period but don't tell you if it's paid 1 day past the original due date your payment is considered late. Makes no sense. Just another way to get more $. Didn't realize was a month behind somehow, we pay every month and am not in any way dodging payments.

They will not work with you. Don't care about REAL LEGITIMATE circumstances that cause needing extra time. They are quick to tell you it's going to auction if you don't pay a lot fast and of course now they have added MORE $ w/ repo fees. I already pay an extra $50 a month on those. It's just not right. They have caused a great deal of anxiety on my already stressful situation. I live in MI and am trying to find someone or a lot of people to stand up to these people b/c as consumers and human beings WE HAVE RIGHTS. I'm tired of being taken advantage of.

First, CA is taking a chance on people like us by giving us a loan to finance a car, which other lenders won't do. So, I am not really surprised that they have strict payment policies. I mean, if I was in a better state and loaned a "high risk" person money I'd be hard on them, too, making sure they paid me on our agreed date. Simply put, you just have to see it from their eyes. While this may sound a bit harsh, but true, if you even think that you may run into financial trouble while financing your car at least finance an older/cheaper car instead of the more newer/expensive ones. You'll thank yourself later.

Secondly, everyone is going to run into car trouble. Whether you get a flat tire, battery dies, bearings on your car are fragile and need replaced, or your engine breaks down. To make it short, it that really CA's problem? No. So, why even fault them for something that happened to your car? They're simply just a finance company. Unless it's for insurance purposes, there's not really much they can do for you. I had to go through a couple of repairs with my Jeep. Did I whine to CA about it? No. I pouted, as any car owner would, and went to the car repair shop, got the car repaired, paid for the service, then went on with my day.

I'm not trying to defend CA or say that they are the greatest car financing company. But you, the customer, need to understand yours and their situation. Like I said, I haven't had any issues with them, so far, so I can't really say. I knew my situation before I signed the papers with CA. I knew what I could afford and strategically looked over my payment options. Did I get the car I wanted? Nope. But did I get the payment plan I wanted? Sure did, and that's all that matter. And you know what? I have not had any issues with CA and I have made all my payments on time before, or on, the due date. I'm not trying to sound all perfect, but these are things that I am learning as I am working on improving my credit and becoming financially stable. Overall, I am really satisfied with CA that they have given me the chance to own a car when other financing companies wouldn't.

They then tell me to call the repo company to set up the appointment to pick up my car. I do so I'm informed, "Oh yeah the car is not running under its own power anymore and you need to bring a tow truck and a mechanic." I said, "Excuse me, you guys just drove it away. Took it from my work 15 minutes ago. What do you mean it's broke down?" Repo guy told me, "Oh yeah cars a piece of ** and something broke on it. Not our problem." Funny right? I said, "OK we'll see about that." Call the bank back immediately tell them what's going on. I'm told by two different people in the redemption department as well as my husband calling and being told all calls are recorded by the way that the car was not in the same condition as when I handed it over not to pick up the vehicle.

Called repo company back. Told him that was the situation that the bank I would be in touch but I am not picking up a broken vehicle that I handed over that was totally fine that I drove to work 40 minutes from my house. Or is the very rude repo people said they wanted to "pound" my husband, ran their mouths to me. The most disrespectful people I've ever dealt with in my life. I'm then told now this is my six or seventh call the bank that day, "All your legal team needs to look into this." "Will be in touch within 24 hours. If you don't hear back in 24 hours, call us." We did the 24 hours. Call back to the redemption department and I'm now told, "Oh no you were misinformed. It's 7 to 10 business days before the legal team gets back to you." Mind you I have no vehicle. I've paid to have the vehicle released. The repo people broke my car and now I need to wait. I have a job.

It's two days before Christmas so I'm forced to go rent a car. Cost me $515 for the week. Still hadn't heard from redemption department. Of course on the 10th day of the last hour they finally called me to tell me that die I need to show proof that they drove the vehicle even though I have a handful of witnesses from my work that saw it happen. The vehicle broke down. I don't know quarter mile from my work. Not even anywhere near my work's property. That I had witnesses of that also said how would I drive a broke down vehicle to work that day when I live 40 minutes away. Hello doesn't even make sense. Car was backed into my parking spot I parked in for 10 years. This legal department yeah add a joke. It's just him another customer service center of the church have their heads so if their asses it's not even funny. Tell me no I can't send pictures of the layout of the parking lot, no I can't get statements from the cops, from people at work that witnessed it, so pretty much tell me no I can't prove to them that they drove my car.

Finally get my car back towed to my house at my expense yesterday. Whatever they did to my car they must've beat the piss out of it in the quarter-mile they drove it and probably hit the 3 foot crater in the middle of the road because it's New Englanders potholes everywhere. Don't know. No idea what they did. It drove fine when I drove it last. At lunch that day broke and axle and or a CV joint axle hit that bump so hard that's my guess broke the motor mount. Course that's a dealer part only. It's the weekend car still not drivable. Nobody cares. This place is a joke I'm not even sure how this could be legal.

I just am baffled here no help from the bank. They hired the repo people like I'm not paying customer here. I just I'm baffled. Yeah. OK. Called and file the claim with the Better Business Bureau me and 1 million other people what contact my state Attorney General with 8000 people maybe in two years get a call or a letter from somebody telling me, "Oh yeah go hire a lawyer." Will go hire a lawyer for $2000 on a car that's not even worth that and I don't even owe that much on, YEAH OK. Like I said how this place is even still in business? I'm shocked and floored. Am yeah so if anyone has any suggestions or thoughts or can offer any help it would be greatly appreciated.

Later my husband had to file bankruptcy but only under his name. I was a cosigner on the car, and I keep on paying. I have another year to pay, I have never missed a payment, despite the fact the car has been sitting in the garage for a year and is not drivable. It has been under recall for over a year, and they don't have parts to fix it. I owe 4500$ on the car, that worth 1600$ according to blue book.

They put my phone under block and won't answer. I have been trying for the past two months to get a payoff information. They placed my account and my social number into their bankruptcy folder, and automated service hangs up as soon as recognizes my number. I however, like I said never filed bankruptcy and they have never corrected account under my name, although they never forget to withdraw the automatic payment I set up back in 2012. How do you allow these organizations to scam honest working citizens, and speculate so openly. They don't even bother to call! Consumers deserve protection!!!

My first issue here is that a payment came out on July 15th 5 days after my previous "bi-weekly " payment and one day after a check was mailed covering everything. I never got to the reason behind why Credit Acceptance was drafting a payment that was not due because I have a bigger issue here. Anyhow due to that payment it would have resulted in an overpayment to C.A. and I contacted them to have the payment reversed which they said they weren't able to do. They said I would receive a check in the mail within 3 weeks to return the amount overpaid. It's funny how they can take my money in a second but yet it will take me almost a month to get it back???

Since they would not return almost 150$ to me in a timely manner I contacted my credit union to have the payment reversed. This process took 3 business days. I had to print, fill out a form, fax it and wait for approval. I mention this in regards to a later point I will elaborate on because C.A. claimed the payment was not made when in fact it processed and posted during those several days. To get back to July, I called twice within the week and a half of mailing the check to see if the check was received. The automated system didn't recognize me as having an account (indicating it was closed). I also spoke to a rep to verify this information and she also stated the account is closed, paid in full, and that there was no further action on my part.

Come September I go to apply for new car insurance and I received an adverse credit action notice so I go to check my report and see there is a charge off from C.A. as of August 2016. I have several issues with this here. First off I never received any communication from them indicating there might be some money owed, no phone calls, no email, no mail, NOTHING. It just went straight to the credit bureau. Second how do you even close an account if the customer owed any type of money, the answer is you can't.

The most frustrating part is the amount they claim I owe is 21$!!! Here I have spent two years paying thousands of dollars to these people and you don't have to decency to notify my account has been reopened. Instead they just send it off as a charge off, I never had a chance to dispute or pay (if I felt I owed). Anyone could have paid that off easily. The issue here is not the money but the fact that I already had this negative item for almost two months when I found out and now about four months.

Till this day I have no idea what the 21$ (now 21.95$ for some reason I'm not aware why or when) is because in these months I have spoke to dozens of rep and they all say different things. For several months it was said it's a return check fee which is impossible when the payment did in fact come out. Then they called it a late fee and more recently a past due balance, none of which makes sense.

As I mentioned I've spoke to many many reps and supervisors alike in multiple departments and I even filed 2 (now 3) disputes with the credit bureaus to get this resolved and they are essentially taking C.A.'s word. I spoke to 2 reps in particular of C.A. that agreed these items would be deleted, and updated as current and paid off as of July. However, I could not reach them after those conversation and they did not provide me written documentations to support my claims.

The balance was cleared after I spoke to the first representative on November 15th that stated my recent statement and my title was finally mailed. However at some point they reopened it (again without notice) and are now going against what other reps were saying would be deleted and are now showing a balance again. They are of course still refusing to admit their mistakes. This company has caused me so much stress and turmoil because I can't get a better auto rate, take a loan to fix my car, or even get a new one due to what they unjustly put on my report.

I work and go to school and just to do these things cost me so much money now. I worked hard to build my credit from nothing to pretty good for someone with such a short history. Not only has this matter affected me but it has affected my cosigner because they are suffering the repercussions as well. All I want is justice. Corporations like this don't want to admit when they make mistakes and I'm not afraid to call them out on it and let my voice be heard. I only hope people can learn from me and not do business with people that are as sketchy, unprofessional, and lack human decency as they are.

When they sell it at auction, they most likely won't get enough to pay the remaining balance and then they have to go through the hassle of suing you for the difference. They would much rather you pay the loan off. If you call them, they are quite reasonable and willing to work with you to help you get caught up. You have to be at least 30 days past due before there is talk of repossession. When you buy the vehicle, the dealership can set you up on autopay so you are never late. Also, get the vehicle inspected by an independent mechanic if you have concerns. I successfully paid off my account with Credit Acceptance. I had perfect history with them and my credit score is now in the mid 600's. Financing through them is not ideal but they have helped many desperate people get into a vehicle and restore their credit.

Okay, so I pay the required fees less than 24 hours to get it back all except the repo fee that they set me up on a plan until March 2017. This fee was around $300. Well on the 14th of November I called them and stated that I get paid on the following Monday and that I could make the payment then. The rep states that I have to make the payment that day or they will repo the car. So I make the payment through my checking account. This account is only used to pay bills. Well at the same time my monthly back fee comes in and subtracts $5 out of the car payment, I notice that my account is overdrawn due to this and rush to put the extra money back in the back. I was 1 minute late to the back and missed it. The check will now be returned to Credit Acceptance.

So I immediately go to Money Gram and make the payment thinking I'm okay since I submitted the payment. This was on the 15th which was over 2 weeks ago. No phone calls saying, 'You're late', or 'You have violated the contract' nothing. So today I come to work, park in my same are. Well I come out to move the car since it is my late day to work until 8 pm and guess what no car!!! I call Credit Acceptance and ask what is going on. The rep tells me, "Oh you were late paying - your payment - so we repoed the car".

So I explained to him what happened with the check and out of good faith I took the money and made the payment the next day. He said the arrangement is on the 14th of the month and in order to get back the car you have to pay $802.20. I said, "Are you kidding me? So what happened to my payment that I made on the 15th?" He says, "Oh that will be applied to your balance but you need to pay the monthly payment plus repo fees to get back the car." I have never in all my years dealing with finance companies have heard anything like this! This company is a rip-off and who repos the car when you clearly have the payment even if it is 24 hours late.

This is the way the prey on people and make money off of the consumer. This is a HORRIBLE company and I am so sorry I got financed through them. I have had at least 3 cars and have NEVER had this issue with a finance company before! I have read the reviews and this is just a money-making rip-off company and the Better Business Bureau should pull the license. Most companies will give you a grace period to make the payments. The customer service reps are very rude, unprofessional and on more than one occasion when calling in I get different information.

How does the owner of this company sleep at night I do not know. I am a single person and reading the reviews with families involved it is very sad that this is the best way that someone can think to make money. Even if I were desperate for a job I would NEVER work for a company like this. Where are the morals to society?? Again may God help the people who run, scam and rip-off the people who have signed a contract with this company.

Now I only have 3 months left of this contact. They start hitting me with these LATE FEES AND MISSED PAYMENTS!? I'm confused because I have it directly taken out of my account and then an email from the company comes through letting me know my payment is being processed. I asked how is that because anytime a payment happen not to go through, which was twice to my knowledge, they called and I would get it taken care of... BUT NOW THEY ARE SAYING "oh we don't have to do a courtesy call anymore.." Huh. Okay sooo they are allowed to change policy at anytime without knowledge to the CUSTOMER???

Call customer service... THEY HAVE DIFFERENT STORIES DEPENDING ON WHO YOU ARE TALKING TO.. They are rudeee! And when I ask to speak to a manager, boss or anyone over the company, they claim they isn't anyone to report them to! So further giving them a reason to not care about the treatment of their customers!

I'm sooo angry that I went with them! IT'S TRUE.. They prey on people that need financial help with ** cars to get the most money out of a car you probably have to take to the shop as soon as it's paid off! They are taxing unreasonably without notice.. and then threaten to take your car only to add more interest by making you redo and payment plan... Long story short, trying to make me pay over $400 a month for a car I will be done paying by February 2017... it's **!

When you try to talk to them and make sense of the crap they get angry, cut you off while talking, and then tell you to be polite! But I DON'T WORK THERE... YOU DO!!!! So you all work on your customer service! The runaround they gave me today is unbelievable, to them hanging up in my face BECAUSE I PROVED THEM WRONG!!!

If anyone knows who I can get in contact with to REPORT THEM AND THOSE RUDE EMPLOYEE PLEASEEEE! I told them about all the complaints I just seen and lady NAME DOMINIQUE basically told me "SHE DOESN'T CARE!" I'm about paid off with this car and now they are try get me with extra charges! It isn't fair! Please help!

What kind of finance company takes pleasure in giving a 10-20,000 loan to easily repossess a car as if it was a rental car. I find them to be pathetic predatory lenders and Karma will work on the behalf of every family they cause pain and suffering to. They told me "oh we don't want to repossess your car," and I think really you'd rather not spend 3.00 on a certified letter and just repo my car with the hope that I'd pay to get it back OR you sell it/auction (and I've purchased less than 1 year). My due date was 20th and it was repossessed 25th.

My husband got another job and shortly thereafter a raise and promotion. We needed another new truck. We were no longer in financial straits and our credit was now good. We picked out a really great truck upgrade, pre-owned and I insisted we use Credit Acceptance again. The dealer told us we could go somewhere else for credit, but I refused. Because, they were good to us when we needed it most, and I believe in repeat business when someone sees a contract through to completion.

I got to another car dealership they finance through and salesman calls to Credit Acceptance to check my account and he is speaking to someone who says his name is Antonio. I heard the salesman respond to each question that he was asked and his last response to the last question was "** female" I guess because I am a ** female. I need $3000 more down to be financed through them even though I have made all my payments in a timely manner. Even though I was sold a lemon and still making payments to keep my credit up.

They told me that the only time they activate the GPS is when the payments are late. The car will be shut down completely and repo is the next day. They only care about money. On the 27th the note will be 3 months behind and they haven't repo'd the car and I still don't have the car. Then they said when they get it back they're gonna take it to an auction and sell it for whatever they can sell it for and charge me for the rest of the money but I promise I won't be paying this crooked ** company one dime.

Some of the reviews that I have read about this company, I have to question. My bottom line to not having my vehicle taken. READ YOUR CONTRACT! MAKE YOUR PAYMENT! CONFIRM THAT PAYMENT WAS RECEIVED! I refuse to send any snail mail payment; I will pay up to but not over 10.00 to have my monies removed off a debit card (prepaid). I will never have any company have access to a checking account with debit card access, that has all of my funds on it. Two reasons 1. Murphy's law. 2. If a company tries to take more monies that they are so-posed to. I have that declined transaction notification sent to me, now I have proof of funny stuff. Yes I have had that happen to me before, some type of mistake or some dunderhead added a 0. Not fun to have no monies or having to wait for held up funds either to pay other bills or put food in my belly.

Basically they are taking a chance on you, and you at least must give the same in return, being up front is the best bet. Be on top of this at all times. After reading my full contract, they have the right to take the vehicle to protect their interest. With that being said, so far I am going to give them 5 stars. They were easy to work with, the contract was plain and simple, the reps we spoke to so far were great.

Two weeks ago I received another call from the same dealer asking me if I still the car I purchased from them years earlier, which I did. They asked me to come down and take a look at their new inventory and they may have a better deal for me on a newer vehicle. So I decided to go there and see exactly what they had to offer me. Lo and behold they were able to get me a 2015 Camaro. They promised to pay off the 2013 Fiat I previously purchased from them. I was a little concerned about how the whole pay off thing would work with Credit Acceptance. There were no issues whatsoever.

The point of my story is that as long as you make your payments on time, you will not hear from Credit Acceptance. My experience fortunately was a great one. This time around I was financed through a different company but they based my approval off my Credit Acceptance payment history. Yes the interest rates may be high, but if you stick to your goal and make your payments, you will have a great experience just like I did with Credit Acceptance. We all know what we are getting ourselves into when we sign our names on the dotted lines. Thanks Credit Acceptance for financing me when no one else would.

When the finance manager got done with the paperwork, my payments were over $589+ and my trade-in was $4000. I said NO but my car was gone; I told them to produce my car and they said it was already gone. They promised to put on new tires, get it cleaned up and tuned up. I took the F150XLT to the Ford dealership and they said that the computers had been switched out and the truck had more like 144,000 to 244,000 Miles on the engine. I am just glad it's off my farm in Michigan even if it did cost me $2500 to ship it back to them in VA. I will never do business with either company again.

Now my review... My problem with this company is that they are REAL SHADY when it comes to situations where they don't get their money on time... I had my car set up on auto payments from DAY 1. A few months later, for some odd reason my account was frozen the day they tried taking the payment out of my account... I never noticed the freeze bcuz none of my cards were ever declined the day it was frozen. I called my bank and all and it seemed to have been an error or something.

The issue here is that when they didn't receive a payment, you would think they'd call you to see why you missed a payment. Nope, nothing. I learned of the mishap a month later when the vehicle was repossessed without notice. I call credit acceptance to find out what is going on and that is when I find all of this out... My thing is, why did nobody call and leave a message or something about the missed payment and to call back and fix the problem? Their answer was that their policy requires them to NOT leave voicemails.

The issue now is that I bought a new car and am basically giving the other car which is financed through them BACK. So now again they wanna get nasty over the phone being that I refuse to continue paying them bcuz of their shady practices. The rep basically told me that they were gonna write off my car as an abandonment Vs a voluntary repo being that I'd rather them get it from the lot where I left it VS coming to my house to get it. It is not an abandonment if I'm literally telling you I'm surrendering my vehicle.

THAT RIGHT THERE IS THE SHADINESS... Never in my life has a company I dealt with NOT call to let me know if a payment was late or the card was declined or wrong to rectify the situation... It seems as if this company finds any and every way to screw over everyone in order to collect as much money as possible. How can you be a credit rebuilding company if all you do is destroy people's credit in the process? There is no type of LEEWAY for anything at all. The day you don't pay, be looking for your vehicle to be repossessed...

I don't even wanna continue with this review because I can go on and on about all the shadiness in this company. Also be aware that customer service is rude as well and will hang up on you mid convo once they hear that you can't make a payment on time or something. As long as I've had credit, I've never in my life dealt with a company so deceiving and nasty... And I really don't know how this company isn't under investigation for a lot of their shady practices.

I have read quite a few of the other complaints and it is a possibility that this company is affiliated with car sales companies that sell lemons. Low income families or people with not so great credit seem to be the target. Companies like this prey on people's dreams and hopes. People get into financial strife; unexpected illness is one of them. I hope to network with others that have felt that they have been unreasonably or unfairly treated. Unreasonably and unfairly being the operative words here. You know, one thing that I loved when reading "Wife of Marietta's" post, when she said that we have to fight together. When big businesses get away with wickedness they usually continue because no one stands up to them. Their greed motivates them, but our passion to help one another should motivate us to help others. Even if it is to make people aware.

Long story, short. I didn't pay for the fee and didn't want to pay for a lawyer. They sold vehicle in a private sale and did not notify me on any of that procedure, turned around and sued me for the remaining deficiency balance of $2146. They went and filed a faulty judgement against me and trying to garnish my wages for the remaining balance. They have yet to provide me with documentation of the sale or to the courts. This does nothing but LIE. Something has to be done about this and they need to be stopped. Here is how to do that and I will be filing as well. WE THE PUBLIC HAVE TO HELP OTHERS. STAND TOGETHER AND FIGHT AS A TEAM TO BRING THEM DOWN.

And if you have a problem with someone you talk to about a payment then ask to speak to a supervisor. And the only way to get things taken care of instead of smart mouth is to talk with calmness without fighting with them. That's what gets you in trouble and that's how you have a car taken away because they think you don't want to pay. Please read up on troubles with paying a car loan and it will guide you through steps to steps on how to talk to a rep without arguments and fights to take care of matters.

Please everyone they're not so bad. They want you to have you car back. They hate taking the cars so do what you can to keep payments on time and if you have problems contact them and tell them. That's what me and my husband did. Thanks for reading and please understand again they're not there to be bad guys. They're there to help but you have to help yourself in order to get stuff taken care of. Also if you can't make any more payments let them know that you like to repo your car and they will be very happy to assist you in the process. GOD BLESS TO ALL AND HAVE A GREAT THANKSGIVING, CHRISTMAS AND A HAPPY NEW YEAR.