Credit Acceptance Corp Reviews

So far, almost every single complaint I've seen on here is idiotic. If you buy a car from a crap lot and it breaks down, you can't blame the company that financed your loan. You blame the CAR LOT! Common sense!! Also, if you can't make your payments, for WHATEVER reason, your car will be repossessed. Do y'all have any idea how many people will call and whine that they're in a hardship due to reasons they can't control just to try and skip a few payments? Come on, people! When you enter an agreement to pay a loan, PAY IT!! I get that everyone does actually have issues in life; job loss, death in the family, whatever, but that doesn't mean you can blame Credit Acceptance Corp for not cutting you some slack. If that were the case, we'd all have a death like every month to avoid payments.

American Credit Acceptance is a bank that preys on people that have less than perfect credit. They use a product that is called a "Simple Loan." The definition of a simple interest loan is a loan that calculates interest only on the principal (the amount borrowed) and not on the interest owed. An example of simple interest loan is a mortgage with a 5% interest rate that is divided into 365, which is .0137% daily. Not only do they use ridiculous rates as high as 20-25% depending on your credit, they increase on a daily basis which means that you will never pay off the original amount you signed for. Furthermore, if you miss a payment by a day, it also increases.

Started by buying a crappy vehicle that was sent in at way more than was Agreed upon. For six months I've been trying to get a written payoff for the loan but get the same answer every time. "Are you gonna pay it off in ten days? What's your address? Blah blah." But never receive it. On top of that, my payments are sent on time but processed late which is killing my credit. I get repeated automated calls but never results. I agree with the other consumers. Weigh your options with other creditors before using them. I feel like there ARE scammers working with dealerships. Terrible customer service.

I had to have a full size vehicle to accommodate my family. I traded in my car (that was paid for) from a lot in Alexandria, Ala. They quickly accepted my trade-in and I drove away in the Chevy Equinox and which was financed from Credit Acceptance (big mistake). The car tore up with me on the 1st week, it was running hot, and the car lot did fix the problem at the time, which a few more weeks had passed with the same re-occurring problem. They did not offer to fix the problem and the air conditioner plus heater (blowers) quit working on top of the other problems. Credit Acceptance would let me change vehicles.

My son needed a car because he moved from California back to Hawaii and he started a new job the following week. Went to a reputable car lot, this Subaru was the only one he could afford. I put the car under me and he would be making payments. Long story short, he couldn't make the payments, car got repossessed. This company called me every day asking me if I wanted to pay off the balance of $600 to get the car out of repo back to him. I was like, "the car had to be fixed at least 4 times, major repairs, and why would I want it anymore, keep it." Called 3 more times after that asking the same thing.

I bought the worst car from a horrible auto dealer, Affordable Auto in Stuart, Fl. 4 days after driving off the lot I had multiple problems with the car. I called credit acceptance for help, was told my account was being escalated to corp legal department. That was on 9/29/16. As of 10/21/16 I still have not heard from Angela who's is supposed to be handling my account. I did talk to an assistant who informed me 11 days to do a 1 hour job was acceptable! The issues still have not been resolved. When I call I'm on hold 20-27 minutes and they hang up! But they sure took the money out of my account.

Where should I start? I got approved for a 05 Jeep earlier this year by Credit Acceptance. I was so excited. I looked over my paperwork and my total price was 9k, a little too much for a 05 but I needed a truck for my family. At that time I was on unemployment and I was making pretty good money. My unemployment ended and I called Credit Acceptance to see if I could get some assistance with lowering my payments for a month or two until I started working. They told me no. I missed 1 payment and they picked my truck up. I had to pay 571 to get my truck back but they then added an additional 85$ to my payment every month. I agreed b/c I just started working.

On May 3, my husband, 2 very small children and I were in a 3 vehicle collision which completely totaled out our then 2003 Chrysler Town and Country (Fully owned). We went to a local dealership that carried the vehicle I really wanted and started working with the finance team in finding us a new vehicle. Upon checking our credit, they decided that the vehicle I wanted was WAY out of our ability of payment range and showed us a 2008 Toyota Camry XLE. They didn't even disclose the price of the car on the lot, by the time showing us they had removed the price tag on it. So since our credit was horrible, mine being a thin file and my husband's destroyed from a previous marriage, we were told that Credit Acceptance was willing to take us on as new vehicle owners. They made our loan out to over $14k, we were to pay 277.25 a month and our interest rate is 24.99% for 60 months.

I don't want to even put one star, this company doesn't deserve it! Signed up for automatic payment and they took way more than they should have and denied I made a payment and repossessed my car to a towing company not opened over the weekend! So I paid and still can't get my car! If you're one day late they call you 30 times a day! Never work with this company. They put in positions to repo it so they can sue you! I'm done!

This company is the absolute WORST!!! Just had my truck repossessed. I am paying $17,000 on a Jeep that is only worth about $3,500. I'm on a fixed income and have two kids. They don't give a damn! I don't recommend this business to anyone! Absolute rip off!!! Stay far, far away!!! You've been warned!!!

I am surprised by the negative reviews on the Credit Acceptance loan company. Mine was a positive one. I have been with Credit Acceptance for a period of one year before refinancing with my local bank. They are a good company to work with as long you make your auto payments on time. The key of success with this company is to pay on time. At that time my credit score was so poor that even my own local bank whom I have a relationship with over 10 years refused an auto loan. Credit Acceptance is a company that gives people second chance to improve their credit scores. I personally never had any problems with my own car which is Toyota Camry 2003 financed through Credit Acceptance. I elected auto-pay option once a month for peace of mind that the auto loan being paid before the "due date". The only downside is interest rates are high but this is what you get when your credit score is that low in the 500's range.

I have an account with Credit Acceptance because my husband wanted a 2008 Jaguar for restoration. It has been a nightmare. I now believe that this company is really not a lending company. The supervisors as well as the representatives that answers the phone communicate as if they don't have any education or home training, straight off the street. The attitude is that of a collection agency. Having the money for the payment is not the problem.

This is the worst car loan company out there. I have auto pay set up and they never take out my car payment until 4 days past my due date, then charge $100 in late charge because my payment was late. How can my payment be late if they do not take it out of my account the day it is supposed to be. I have called numerous times to get this corrected and still same thing. I told them I wanted all my loan information, so I could get a new lender. Told me 3-5 business days I would get the paperwork. 6 weeks now and 8 phone calls later I still have not gotten my Loan paperwork.

I need legal help. I'm low income but I have contacted Credit Acceptance because the car dealer hasn't deducted the 2,750,00 trade in from my car to the car 2009. Never told me I would be paying 4,000 in financing.

A year ago I bought a vehicle from Credit Acceptance... Sunk money after money after money on this lemon... I was 5 days late on one payment and when they repoed it. I was done! I got a call from Credit Acceptance and was offered a 1100 dollar pay off... Which I regrettably accepted! A week later after payoff and payoff paperwork in hand, jeep legalized and liens all off my Jeep they sent a repossession out for my paid off jeep. Even though I had payoff paperwork and clean title in hand Credit Acceptance claims I owe them 10000 more dollars.

I took out a loan for over 12,000 dollars for my car, I paid it off in full and on my credit it is saying that I did not. You people better get your act together. Also I did not like to speak to someone in India every time - they can hardly speak English let alone solve any of your issues. What happened to the time when you live in America you buy a car in America you want to know that the issues will be handled by an American citizen. Come on people get your act together, if your company is American you should be ashamed of yourself.

I talked to Credit Acceptance in the 25th. I am behind $150, made payment play to have it up to date. Woke up with car repo at 4 am three days later. They said I had till this Friday, Sep to pay. When I called this morning ride lady claimed pretty much, o well and I have to pay a extra $350 to get my car out. If you ever make a payment plan, record convo. They are the worst business in customer service!!!

I received a letter from your company stating that I was no longer to pay Credit Acceptance and that my account had been closed because my selling dealer requested to have my contract reassigned to them. When contacting Credit Acceptance upon receipt of the letter, the male representative didn't know why I had received the letter. I was instructed to contact the dealer before making any payments and to contact Credit Acceptance the following morning because the department that should be able to assist me was closed. I contacted the dealer this morning and they knew nothing about it and hadn't requested it and stated that I needed to contact Credit Acceptance again. I followed by calling credit acceptance and was told by a female representative that a supervisor had placed a note on my account that I received the letter in error. I then asked her to have a supervisor to contact me.

I purchased a Malibu from the Car dealership across from the Lincoln dealership in Huntsville, Al. The finance company I went through was Credit Acceptance. I absolutely loved my car. The problems I had were with the battery. I had to keep getting my vehicle jumped off if I let a light or the radio on for even a half of a second. One of the wires connected to the battery was corroded very badly and secured with black electrical tape. That was the problem with the battery. Other than that I didn't have any problems and planned on paying off the vehicle. I had perfect payment history for 4 almost 5 years.

I purchased a vehicle from Rock Star Used Cars in Temecula, Ca - 5 months ago (Scammers). I traded in a 2006 fully loaded Honda Accord that had minor mechanic issues for a 2009 Chrysler Sebring. Long story short the car spent more time undriveable and in the shop than on the road. Finally the car stopped running after only 5 months - we contacted credit acceptance to see if they could defer our next 2 payments since we found out the car would need over 4,800.00 in repairs. They would do nothing to help us with this issue (Scammers) so I opted to do a voluntary surrender; they are now lying and saying that they repoed the car. I have all of my paperwork from the mechanics we took it to and I will be suing them under the lemon law. This place is a joke - I was able to get approved for a brand new car with the same money down at a real dealership - buyer beware!!!

Credit Acceptance is absolutely the worst finance company available! I filed an insurance claim because my car was hit, but because there's a lien on the car Credit Acceptance's name was the second party on the check. They told me I had to pay postage to have the check mailed to Southfield, Michigan for them to hold until the body shop sent them a final receipt. But to top it off Credit Acceptance said if there was anything left after the repairs the money would automatically be applied to the principal of the vehicle. I don't intend on keeping the vehicle so why would I pay towards the principal.

Reading the reviews, I was terrified of calling this company to discuss that I was behind on my car payments and see if we can make arrangements. But to not get repoed, I did. The woman I spoke to was incredibly nice. When I explained I had been out of work due to an illness, and had gotten 2 months behind on my payments, she was very empathetic. She then set up a payment arrangement schedule with me to get me back on track. I dont doubt this company can be shady - they are for people with bad credit, like myself, and take advantage that some of us are desperate. I screwed up my credit by being irresponsible - I admit it, and want to get back on track. This was the only place that would give me the chance, when my last car completely crapped out on me and I needed a new one desperately.

I purchased a suv from Central Auto Sales and this heap was 5000. I got financing through Credit Acceptance Corp. I have it set up for automatic payments... It's been a year and so far no problems with the financing, however the car is a mess. 3 days after I bought it it died and cost me 2800 in repairs. Have been fixing it every few weeks ever since. I have spent nearly 7000 in repairs so far and the car still stalls out and won't pass inspection. The bottom line here is that any dealer that gets you financed through them have lemons. They need to unload and since we are unable to get financing elsewhere that's the price we pay... We get ripped off. I'm disgusted. I'll never finance a loan again with any company other than the reputable ones and never a 2nd rate car dealer again... only big names from now on. I've learned my lesson.

I bought a car on July 21st from deals on wheels in Clovis California. It broke down while taking my daughter to college on July 27. I was in Sacramento California the car overheated. It was towed to a AAA repair shop. The radiator was bad. Estimates $835.00. The dealer offered $250.00. I left the car there. I had to Amtrak home. Mind you I haven't had the car one month. Credit acceptance was contacted - they offered no help. This was a 3,000.00 loss.

I have read several complaints about this company. My experience is very different because I just called them to find out the status of my account and they were very helpful. They weren't the best when it comes to customer service but they did help me to resolve my problem with my account.

This company has built their reputation on exploiting individuals that desperately seek financing due to poor or no credit. I too fell into their trap with a vehicle that had issues not evident while purchasing it. I bought it at a "reputable" dealership I thought but it does not have to be a lot they prey everywhere. The car of course had engine issues, died within 2 months of purchase and the warranty pushed while financing? USELESS! They litigate against individuals and take advantage of consumers not understanding or being intimidated by them and the system. They use strong arm tactics and when anyone like myself tries to work with them, they turn a deaf ear, repossess cars (that they will finance again under someone else) and treat you rudely! Let's all stand up to them. Nothing will CHANGE UNLESS WE DO! SEND YOUR STORIES. LET'S SEE IF TOGETHER WE CAN STOP THEM!

I'll start off with Credit Acceptance is the primary lender for all of the shady car lots. It wouldn't surprise me if everyone with a loan through Credit Acceptance has a ** car that they over paid for. For instance, my car payment is $345 per month for 60 months. The car had a value when purchased of $7000. Currently we made $18000 in payments, repossessed 3 times, and spent $8000 in repairs. Everyone on here is right, there should be a law that people can't sell cars above value of a limit on interest rates. The people who work for Credit Acceptance have no lives, no soul. They will all burn in hell. They laugh at your misfortune, they feed off everyone who has financial issues. Rude, lying, cheating.

This is the rudest company I have ever dealer with. You would swear that your car note is coming outta their paycheck. When you call customer service representatives are very very very rude. They don't listen when you're explaining your situation, they cut you off when you're talking, or they will just talk at the same time as you like you're not even talking (a couple of times I had to see if my phone was on mute because the representative was talk over me like I wasn't even talking). Also they set arrangements, then before the arrangement date even comes they start calling and will tell you there's no arrangements on your account.

They are very rude, disrespectful and do not care how many times a day and night they call you. They don't care if you bought a lemon and if you spend more on repairs than your payment is. I am on a stricken budget and have no extra money. If my car don't run I can't get to work. If I can't get to work I can't pay you. I think the government needs to step in and stop these crooks. I say crooks because that's what they are. It's a sin to be poor I guess and these people are vultures and prey upon poor people. I think like other finance companies they should be allowed to only charge a fair amount. By the time I pay my car off I could have bought a brand new 2016 Hummer. Does the government even read these complaints? I don't think so or something would be done to these crooks.

Now I don't have the world's best credit score, but a friend referred me to Credit Acceptance and I was quite happy that they gave me a chance to build up my credit score so I took the chance until I was a week late on a payment they came and report my 2003 truck, and told me that I had to pay $560 to get it back which almost triple my monthly payments a month and once I paid the $560 then for almost 3 days they told me that they could not find my truck anywhere. So the following Mon. they told me they did locate it at the same place. I called in the beginning of this whole ordeal, I think they are very non-professional in where and what they are doing.

My issue with this company is that they don't audit the dealerships they deal with. I was lied to by a third party dealership about a trailblazer (2007) that was $5995. He said CAC don't finance cars unless they are $7000 or more. He put the truck at $10,000, said I gave him $3500 but instead he got CAC to finance the truck for $13,500. I gave the truck back after paying from 2014 until 2016. They sold it for $700.00, now I owe still $7,735.23. In other words they are still trying to make me pay for a truck that was selling for $5995 - pay way more than the truck is worth. I will definitely not use this company for nothing else.

I have been a customer with Credit Acceptance since November 2012. I have never missed a payment. They reported my account "Current Status" as of July 14th, 2016. I currently owe $7,352.00 on my loan. They had my car repo'ed!! I assume for the 30-59 days late as stated on the credit report. How is this so? I make my car payment every month as what it reported to the credit bureaus. I did not receive any notification that my car payment was late or the threat of repossession!! This is not the way to treat a customer of 4 years!!! I will be contacting my lawyer!! They have to be stopped!

I got my vehicle from a car company last year. I needed a vehicle and a friend had suggested this car lot. About a month after having my van the car lot was shut down by the government for not paying taxes on the vehicles. I almost lost my vehicle but thank God I didn't. Rick McGill Toyota, who was in charge after the government shutdown, helped me. I have never been late. I actually paid up 4 months ahead on my vehicle. I thought everything was good. I paid on the CAC website through Western Union.

Let me start by saying that this company is a SCAM. How I found out was a letter from IRS saying I owe 7,540 a Cancellation of Debt. The funny thing is the company for the car is in IL, and I live in TN. Now why would I go to IL to get a 94 Chevy Blazer that I was suppose to have bought in 2001 and they say I never made a payment. IRS said that they sent a 1099-C to me. I have never gotten anything from them. I have called. The reps ARE THE RUDEST AGENTS. KEPT SAYING THEY CAN'T DO ANYTHING WITHOUT ACCOUNT NUMBER. HELL I NEVER GOT ONE.

I have had no problems with this company. My loan is in its third year. Yes, they do start calling you the day after due date, but that's how they make money. If you didn't get your paycheck you would be calling wondering where your money is too. If you talk to them and let them know what's going on there is no more calls. Maybe if you lie they'd start calling again. My only complaint is they have such an out of date system - you can't make payments on their website nor can you even pull up account information to see what's going on.

I got a car. The car was only 3,000 dollars. By the time they got done the car was 10,000 dollars but they never informed me of that and every time I call they say I haven't been making my payments but I have. Never again will I get a car through them.

I've had my car with Credit Acceptance for a year now. I've never missed a payment or been late on a payment. This month I was a day late on the payment. I received a called from them at 8 am (today is sunday) asking why I'm late. I tell them I get paid friday and I try to set up a payment arrangement. The lady was very rude asking why can't I ask friends or family for the money. I ask her how am I late if my payment booklet tells me I have until the 11th of the month to pay. She says they don't offer a grace period and if I didn't pay right away my vehicle would be shut off and repossessed. Worst company I have every dealt with. It's crazy because no matter who I spoke with they all had the same rude attitude. They talk down to customers like they're better than them or little children.

I got a car in 2012 and in 2013 I gave the car back. The car was no good it broke down on me. It was priced at $10,000. I gave the car back. They're still trying to make me pay. They sold the car for $2,000 and they're trying to make me pay the remaining money. Never has this happened to me before. I'm going to see about talking to a lawyer. Now I buy all my cars out and if I was to ever finance again I will stay far away from this company.

I've had 2 vehicles through Credit Acceptance. Luckily I just traded one and am with a much more respected Lender! I have never missed a payment with Credit Acceptance nor have I ever been over 14 days past the due date. The employees there are very condescending. When I call to make a payment they ask me what made me fall behind (I am not behind. I am making a payment today. And I have never missed a payment.) Not only that, they harass you throughout the entire phone call when all you are trying to do is make a payment. Absolutely the worst experience I have ever had. Looking forward to trading my 2nd vehicle soon, so that I never have to speak with them again! The worst!

Hey, guys. In 2014 I bought a 2002 Ford Explorer in good condition. Well my last year of paying off my balance the company I worked closed. I was without a job for 2 months. Once I got a job I paid my car off completely. I got the title in the mail. I thought everything was good - well not so. 06/23/2016 I go to buy a new car. My credit report came back with a repo from Credit Acceptance. I was so piss because I was only 2 months late and I also made a payment arrangement with them. I immediately call Credit Acceptance. I spoke to 2 people. The 2nd lady I want to say thank you for the information because the first one was a complete moron.

I admit it, my credit is not sparkling. In fact it's in the upper 500's. So, it was a surprise and I was ecstatic when I was able to begin payments on a newer car. Well, not newer but the newest I have ever had. I made payments on time for two years and I never had an issue with the company. Until, I lost my job due to layoffs. I was a day late and received a barrage of collection calls. I asked if there was anything I could do I was told that I needed to make the payment ASAP or my car would be taken. Wait, after being only a day late!? I attempted to set up a payment arrangement but without knowing when unemployment would kick in I was at a loss.

I bought a car and financed it through Credit Acceptance. I traded the car 2 days before payment was due. Mind you no 1 payment made was ever late. They call me the day after the payment was due and told me I was late and I owed late fees. I told them the dealer contacted them for the 10-day pay off and I no longer had the car. And every day the crooks call me. I call them crooks because they get by with charging 23.99% interest. I now have a brand new truck and have 7.64% interest. Anyway they have called me every day since including today which is Sunday the call was at 8:30 am. Not happy. I have to work tonight and wasn't happy about being woke up. There should be something that can be done about this company.

Why is it that when you pull money out of an account and there is insufficient funds you continue to do it knowing that each time you do it it costs more money!!! If there is insufficient funds then wait till that person contacts you!!! No need to keep doing it over and over and over and over and over!!! Because of this I will no longer allow you to take money from my account. I will pay you myself every month. I am not a rich person!!! I get two checks a month and when you take a hundred dollars out of my account for fees, you just took from your payment.

I just want to advise anyone that's thinking about doing business with these people...DON'T! My payments are due the 30th of the month and are paid on time each month. Due to unforeseen financial restraints, when I paid my last payment on 5/30/16 it was $50 short of the amount which I had plans on paying my next payday. These people have called my home at least 5 times a day (of course I was at work so never caught the call). But I am up now writing this complaint bright and early on a SATURDAY MORNING (my ONLY day to sleep in late) because these rude, inconsiderate people have called my home at 8am talking about a $50 balance!!! Like are you kidding me?! And I asked the lady, "Ma'am, are you really calling to harass me on this day and time over $50?" This rude lady had the nerve to tell me if the complete payment was made then I wouldn't be receiving a call. I mean DUH, what is she? Master of the obvious?!

I bought a car from a small dealer a year ago and had gone through this company before, didn't have a problem with them the first time, so I figured I would do it again. Since my credit isn't good to begin with, I can't get a bank to finance anything for me, so this was my only option. This time around was a nightmare. I got late on payments before, and they just turned the car off with the LoJack they had installed. However, I received numerous phone calls 7 days a week. Calling on Sundays is illegal, but they do it anyway. I eventually stopped answering my phone. I was finally able to get caught up, car turned back on, and fell 1 1/2 months behind once more and was waiting for my paycheck. During this time, I have been receiving numerous phone calls 7 days a week again and refused to answer my phone since last time making arrangements didn't stop the phone calls.

Bought a vehicle. Had a problem with it the 3rd day. Brought it back, the dealer had the vehicle for 3 months attempting they were going to fix the vehicle. Called Credit Acceptance and told me they were going to help fix the problem because I am making payments and I haven't had the car. I call them when I picked up the car as I was told to do and see if it was fixed.

I have been dealing with this company since Nov 2014 and haven't had problems until now. I was late on payments last year for about 3 months and then I paid it all up to date in February 2016 and was told everything was fine. This month I called and asked to do 1/2 half payment and was told that would be fine and today they repoed my car and when I called and asked why, I was told they can repo a vehicle whenever they like even if an agreement has been made. This is not good business and do not let them have your business!

Morning phone call May 23, 2016. My name Tawana ** 2200. I am trying to pay my car note. I address to the young lady, I am at work cannot talk long and I just need my account number, so I can pay online. Gave her my information to access my account, my social security, date of birth. She still goes through a series of question, I answered about 3 or 4 questions. I reassure her I cannot stay on the phone long, please tell me my account number. "Well, ma'am you HAVE to answer these questions." Not security questions! But irrelevant questions! So I said well I have to really have to go. She abruptly said, "Well ma'am have a good day" and hung up the phone. Just to add, she was extra loud as if I couldn't hear her. Very rude and what happen to customer service??? I never received the account number. This is ridiculous and thinking of writing a letter to corporate.

This is probably the worst finance company my husband has ever gone with. He got his vehicle from a dealership and credit acceptance popped up saying they would finance him. I really wish we would have done research on this company before even going with them. They set him up to pay 117.44 every week and then they apparently set his due date to the 8th of every month. So needless to say for over 2 years we have been paying this company weekly. Every week the car will beep and they will call and harass us saying that we aren't making our full payment because we need to have the entire car paid by the 8th of each month. So if that is so then maybe they should have made a different payment schedule.

Where should I start with this company? So in 2013 I financed a vehicle through this company. I figured since I was financing my first vehicle that things were a little more expensive and had no problem with that. I made my payments on time every month for a year and a half of my 2 year loan. Now here's the kicker. If I had not made my payment by noon on the day it was due they would call me and be extremely rude. And call 4 to 5 times from different numbers if I did not answer.

I purchased a car and have Credit Acceptance for the loan. I do not have bad credit may have now. I have always made my payments on time till April 2016. Have had the car over year and a half, in April had a issue so I called to say that I would be late with the payment. The lady I spoke to was rude - tried to tell me that I was always late. My payments are due on the 4th of every month. I pay on the 2nd or 3rd of the month - thank God that I use the Western Union cuz I get a receipt in the mail so I have proof. They won't send you a receipt!!! So I made my late payment with the late charge now I am in the next month in the grace period trying to get the money up for this payment. Meanwhile they are calling me 4 plus times a day!!! Excuse me there is a GRACE Period of 10 days. This is harassment!!! Going to be talking with an attorney. Do not have these people for a loan!!!

Two years ago, I decided to finance my first car, a cute little Chevy Aveo. The moment I took it off the lot, it broke down. The seller said he crossed the wires by mistake. Not even a month later is where the trouble began. I financed this car through Credit Acceptance for 7 months just about. Within those seven months, the car had broken down on me six times. The tires blew out, the catalyst converter was busted, the transmission was bad, the alternator died, the starter went, the ignition went too and my key was stuck in the ignition. I couldn't afford to care for this car anymore. I was getting way behind on my other bills so I had them take it back. Now they are trying to sue me for the balance. My advice is do not finance through this company. If you decide to finance a car, there are plenty of other options.

Purchased a year old car that was certified used from a local Chrysler dealer last year through Credit Acceptance as a financer. About 10 months later I faced a hardship due to medical bills and had to file bankruptcy, however I reaffirmed my two auto loans with intent to keep paying on both of them (my other vehicle was financed through Ally Bank via General Motors). Ally Bank immediately accepted my reaffirmation and even called me to see if there was anything they could do to help me through the bankruptcy process since I wasn't wanting to give up my cars. Credit Acceptance NEVER responded or called myself or my attorney with regards to anything. Therefore, I just kept paying my car payments with CA as usual just like I did with Ally.

I purchase a 2003 Chrysler 300 with a new "motor" with warranty financed with Credit Acceptance. About three weeks of owning the vehicle there was issues with this new "motor." I contacted the dealer River Auto and Credit Acceptance. Neither of them wanted to take responsibility for the problems with the vehicle. After several trips to the shop I stopped at the dealership to get the warranty for the motor which he would not give me. Again I called Credit Acceptance and they were very rude. I made every payment on time until the new motor blew in Sept. Then I stop making payments and I told them I wasn't going to continue making payment on a vehicle that was said to have a warranty but was not provided to me nor will the bank do anything.

The dealerships they work with are NOT all reputable!!! I was sold a piece of ** suv. In 20 months and with 12,000 miles added, I have spent over $2000.00 in repairs. Unreal. I could have kept my old car if I wanted to spend that kind of money!! Buyer Beware!

I purchased a 2003 Dodge Durango in 2012 from a local dealer. Also purchased Wynns Warranty to cover vehicle. Finance charge and fees are ridiculous, like buying a car on credit card. I only have 3 months left to pay on vehicle. Last month I fell short on payment so I called and made arrangements. I put 100 toward payment to show good faith as requested. I explained balance would be paid if I got the money I was expecting. That money didn't come in. Today I get a call telling me if I don't come up with the rest before my next pay day, I run the risk of vehicle being shut off at box. I said, "But I only get paid once a month and I only have 4 months left to pay." I was told, "Too bad." The money or the vehicle is at risk for being shut off.

I went to a used car dealership about a year ago and got a 05 Chevy TrailBlazer. The asking price of it was 13,500 credit acceptance, financed it at 8,500 and that's Kelley Blue Book value. Set up automatic payments. The very next morning after I got the car, the check engine light came on so I brought it back and they told me to bring it across the st. so I did. I also contacted CAC to let them know. The mechanic said it was just a faulty sensor on it so I didn't have to worry about it. Well after that, the TrailBlazer stalled on me 6 different times in 1 day. I contacted CAC again about it, they said to bring it back so I did, not realizing the entire time that it was the thermostat going. So I did something a little different - I went to someone who knows what they're talking about and they did the replacement.

Purchased a car and paid PERFECTLY for nearly two years. Was in an accident that totalled my vehicle. My insurance paid off the remainder of the loan in FULL. My insurance put the deductible of $500 with Credit Acceptance in pay off. Once complete and I realized my deductible had to be paid to Credit Acceptance as opposed to the Insurance Company I also paid this amount in full! Subsequently, Credit Acceptance took my perfect payment history and pay off and noted my deductible (which was NOT part of my loan agreement) and used it against me putting negative marks on my perfect credit history for not paying the deductible to them immediately!

I purchase a car through Credit Acceptance in 1994 - a Chrysler Lebanon. My first new car, so I did not have clue about let the buyer beware. Therefore within 30 days of the purchase I began to experience problems with this vehicle. For instance the tires were bald and the digital dash began malfunctioning. After that I received an itemized sales bill which had been altered. The original quoted price was different from was originally quoted to name a few. Then after many months of badgering from Credit Acceptance I lost my wages, so I fell behind in the payments.

Under duress, I am writing this due to an urgent unforeseen dilemma, praying that I can get some type of response. I am 64 years of age and disabled. I have contacted every Agency and senior living center all have enormous waiting list, so I decided to step out in faith and write this letter. After 16 years a prominent Louisiana homeowner, I am very distressed to say in July 2015 my home became unaffordable from $476.23 to $ 1,000.00 due to enormous tax increase and mortgage escrow. After much blood, sweat, tears I have done everything possible to maintain and keep my home for 16 years. After financial counseling, consideration, tears and much prayer I have decided my home has become no longer affordable and require much extensive repairs.

Everything started off good with the company. I had my car from them for a year now. Since February 2016 they been constantly saying they haven't been receiving payments. I set up automatic payments to come out my bank account and now in April they say the first payment of the month did not process but TWO payment came out of my account a few days after each other and even have the confirmation numbers for both payments. They also have a habit of cancelling any automatic payments and say they are missing payments. Whenever you talk to them on the phone they are always attitudinal. Just want money and never explain or let you talk. That's just plain disrespectful. I hate I am with this company and would not recommend anybody to get a car or anything from them.

So I bought a car 11/2014 and recently my engine went out... no fault of my own and the warranty company does not want to pay for it. The fix is $4600 and the car is not worth that much. They will not defer a payment since I have to pay this amount to get my car fixed. They do not help if you run into problems like this. Stay clear and go elsewhere for a loan. They say there is no auto loan company that defers payments no matter the situation.

I am writing this review on behalf of my mother and the experience she just had. In May 2015 she purchased a 2009 Camry. It was such a blessing to see her be able to finally get a "new" car, she was smiles all day for weeks after. It is in the contract that her payment would be automatically withdrawn from her account on the 1st of every month.

OMG!! I don't even know where to begin... Started with buying a used car from crooked car dealership from local town. I thought once I contact CA, they would helped me. HA HA. That's a joke... I won't bother to give full details of the nightmare, but I like to join the others to warned you. Please DO NOT TRUST THESE DEMONICALLY CROOKED THIEVES. THEY WILL SUCK OUT ALL THE blood OUT OF YOU, drain your pockets, and leave you totally breathlessness. Once I catch my breath from this nightmare that I've endured from the car dealership in CA, I will exposed all their dirty laundry, dirty schemes... Please DO NOT DO business with them. You are better off walking. No wonder America is rated as the worst country to live in. Everyone is out to scheme, drain your pockets dry…

Read your contracts. These people are thefts. This company just came and stole my car. Literally tracks are in my driveway where they sent someone to sneak up and take my car. I haven't missed a payment. And this month's payment is due in 3 days and the money for it is in the bank waiting for them to withdraw it. Please do not do business with this company. I'm 5,000 upside bc of this car and now they have came and taken it from me. Without notice or a payment being late. So stay far away from these people. They are thefts! They already made 5,000 off of me. And now they are trying to get more. Just bc they can and not bc of a ** late payment. I will be taking this matter to court. Will update you soon. Meantime stay far away from these scam artist!

I had to obtain financing through CAC and they have always worked with me... always pleasant and willing to help if an issue arises. I will do business with them again when I need auto financing as I have had nothing but a positive experience each time I contacted them with an issue.

My husband and I leased a 2001 Dodge Durango from a local dealership in our city (mind you, who went out of business a year later) who we got the Durango from. The truck was 6600, we put 3000 dollars down and our payments were 200 dollars a month, which we paid on time every month - well until the engine blew 5 months of having the truck. We also had a warranty on the truck. It seemed like everything that went wrong with the truck, the warranty didn't cover it (anything).

On January 31st I bought a truck from Air Base Auto, Jacksonville. Truck was priced as 6800.00 so I gave them 2000.00 down wanting to finance 4800.00. Due to their computers they get your signature electronically. The key is to screw you that way because you don't know what they're sending out. When I got my contracts this 2002 Dodge Ram truck with 175000 miles got priced up to 10950.00 and interest on that. No one explained that when I asked them how it got that high they said credit acceptance did an advance and added the price up, but when you talk to credit acceptance no one can give you an answer or show you a contract how price went up.

This company is a joke. I've had this car just now 30 days. They tell me my payment is late. They did not even give me 45 days to own the car. I did a pay bill straight from my checking account. Told them this. Yet at 8:00 am on Saturday I've received 3 calls harassing me. I have confirmation number and reference number for payment. After 30 days I'm ready to tell them to come get this car. They are a huge ripoff. They should be put out of business!

I have had a car loan with Credit Acceptance since November 2013. I have NEVER missed a payment. However, I was late a couple of time by about two or three days. I knew there was a late fee. But, I didn't think about it when I made those couple of payments late. My car payment is due between the 28th and the 7th of the next month. After the 7th, I have to pay a late fee.

I purchased my 2001 Chevy Silverado from a long time corner dealership just a month ago. When the salesman told me the due date for the note, my wife and I informed him this would not be a good date for us. He told us to call the loan company when the receipt book arrived. We did so, after receipt of the book and more than 20 days left to make the 1st payment, we called CA company and the CSR told us we would need to have called the company within 30 days to make the change and it was too late. She could not help us. I know we are in for a rocky ride. The payment was not due for another 20 days or more. You Pray for me and I will Pray for You. It is a sin and a shame to have such uncaring people in this world.

So I wouldn't let my worst enemy's pay for a car from these people!!! So where do I start, I put $6,000 cash down on a $15,000 car. It was a 2014 Dodge Avenger. I got it from my local dealership. So add that up so far $9,000. Well I pay $400.00 a month on a payment. And I been paying on my car since June 2015. And It says I owe $11,050. How can that happen?? Never late. Never pay late fee. Never do wrong but I'm getting screwed out this deal. And I don't like it. I bought his car for my wife that had our daughter. And now I'm ready to just get all my money back and go somewhere else. What can I do? Nothing!! One day I mailed my payment in and it wasn't late but I send it in 1 week early just to stay ahead. Well they didn't receive it the day I send it in and they told me I would have my car repo if it didn't come. I get my money orders from my bank so I wasn't worried but this is too far. I'm ready to get out of this. I still have 3 years.

I purchased a jeep Liberty. After 1 year, I had to stop working for health issues. I call credit acceptance and ask them if they can do a default payment, which I know they do because I had a Dodge Neon that was stolen. They refused. Then I got a 10 minute lecture about responsibility and why would I buy a vehicle if I could not afford it. Anyway, they gave me an option to pay the note or do a voluntary repo. I made payment arrangement but every six months they was asking for more money to keep the payment arrangement. But on my credit report they reported default loan. So I did a voluntary repo. They auctioned the vehicle. They called my phone 1500 times. To the point I had to block their number.

They financed a car for me through some 3rd party whack car dealership. After a while the car started to just stall whenever at lights, on freeways. Called dealership and explained situation. Took car in, was in shop for entire week, stated they couldn't find what the problems was. Didn't feel safe driving anymore. Explained this all to the dealership where purchased, they didn't care. Informed Credit Acceptance, wasn't paying for a lemon, that I didn't feel safe in. Told them, they're more than happy to come get their lemon. Car stayed parked in my driveway for 4 months before they finally decided to come get it. Now after 6 years, they sent a lawyer after me (Like I care, that was suppose to scare me... Not). So, I'm here to inform Credit Acceptance, you're not the only ones that can play shady games.

Financed a vehicle through them, 99 durango. In the shop 7 times for transmission, 1 for the heater box, 1 for ball joints and brakes. They came and got it because it wouldn't move. That was 6yrs ago. They have since garnished my wages. Say I owe 11000 dollars, total was 20000 and some change. They have screwed my finances badly. I understand they're out of michigan? Maybe they can take the money that they rip people off with and buy a new water treatment plant.

On Dec 2, 2015 I had a fender bender going to work. It was not bad but because of the mileage on my car and cost of damage the insurance company decided to total my car. That accident was the best thing that couldn't ever happened! My payoff was $8100, my salvage cost was $1648, insurance paid $3900. CAC said I wasn't authorized to keep my car. It's not in their policy! I got a lawyer involved, as long as I'm paying notes, that is MY car! They then gave me the runaround. I had to call GAP ins and make a claim myself! CAC did not want to file the claim. GAP paid the difference yesterday, car note comes out today $364.

I bought a van in 2006 and we used Credit Acceptance. I had several issues with the van the day after I bought it. My husband believes the van was in a flood, it had a odor. I surrendered the van in 2007 to them and they sold it on 01/16/2008. I never heard anything else from them until this year. I received a 1099c. I have called them several times and told them that the date on the 1099C states that all this occurred on 01/15/2015 which is fraud. They are very rude and just tell me to see my tax preparer.

This company is the absolute worst company I have ever dealt with! I ADVISE EVERYONE THINKING ABOUT FINANCING A CAR THROUGH THEM TO STEER CLEAR!!! I have been dealing with them for 2 years now on a $10,200 and they are still saying that I owe $7500 after paying $3500 down! I pay $400/month and have had nothing but problems! They have repossessed the car 4 times and each time I have had to pay over $800 to get it back! God blessed me the day my car was totaled in an accident but they are still trying to tell me that after the insurance paid them I still owe $900!

I have had my truck through this business for over 5 years, it will be paid off this year (July). On Jan 21 2016, saying I have past due which I did through lack of hours where I work, I contacted them as soon as I received the letter, their so called customer service is a joke, rude, aggressive robots, they do not care about you as a customer period. They have had almost $20k of me over the past five years and they treat you like you're a piece of dirt. I was told to call to negotiate a new payment plan but that didn't happen. They told me how much I had to pay which was $100 per month more than the original $340.

I purchased a car that was advertised for 10,900.00 and by the time everything was added up it was over 20,000.00. That is what my loan was for. Well come to find out the taxes and everything that you are suppose to put down was added in and I had a trade in that they gave me 4,500.00 for. My payments for Credit Acceptance are 394 and some change. Well I am on workmen compensation and you know they send your money's when they feel like it so when I call customer service they are rude and talk down to me and every time ask me if I have any family that can help me with this. They have shut my car off twice. Now the next step is repo. I am waiting for that. This company is worthless and will take all of you money and run. Whatever you do do not use this company.

Credit Acceptance is a horrible finance company. Their customer service representatives have horrible attitudes and hold times are ridiculous. Credit Acceptance repossessed my vehicle. I paid $805.60 yesterday to get the vehicle back and still I have yet to find out where my vehicle is located. I called yesterday while at work myself and was placed on hold for several hours. When I finally got someone on the phone the only thing they could advise is that the vehicle storage facility had closed for the day and to call back tomorrow. That was yesterday and here I am today going through the same thing. I work an 8 hour job and I do not have several hours to hold on the phone especially after I have paid this company what is owed. I do not understand.

My husband's truck was repoed Monday. He talked to them Tuesday, they told him he had to pay 4 months payments to get his truck back. It's Wednesday and I have spent all afternoon trying to contact them so I could make the payments and no one will answer the phone or call me back. This is crazy!!!

People, together we can finally take down credit acceptance and their crooked ways! They've tried 3x to repossess my vehicle. I know together we can make a difference! It's time for change!!! Anyone needs to contact me, please email me at: **.

I have had my car through this business for almost 5 years, it would have been paid off this November. On Friday I made a payment for January my car was repossessed on Saturday 1/30/2016. I can not get anyone on the phone to tell me why this happened or what I have to do to get my car back. It seems they let you get close to payoff so they can take it back and resell it. The only people I can get on the phone is customer service and they say they can't see my account information.

I understood that the loan we took out on my fiance's truck was a subprime loan due to a repossession that I had. Part of the agreement is that I have the payments taken out of my bank account automatically every month. We canceled the extended warranty because there were too many hoops to jump through to get any coverage. The amount was applied to the principal changing my final payment from February 2016 to January 2016. When the authorized payment of 399.90 came out on 12/26/15, I called and found out that the balance was 175.00 plus some change. No problem. Expected that to come out on the 26th of January 2016. Imagine my surprise and horror to access my bank account today and see that those crooks took out 399.90.

I got a vehicle financed through Credit Acceptance and had some problem making my payment, so I called them to see if I could have a few days to make the payment. The lady I talk to ask me if I could borrow the money from someone. I told her if I could I wouldn't be calling them. Who gives them the right to talk to people like that?

Credit Acceptance has the worst customer service and no professional skills at all. They do not follow their own procedures and guidelines and there needs to be a good number of clients collectively going after them to sue.

The service is HORRIBLE. I called in to make arrangements on my car and EVERYONE except for two workers were actually nice. They talk over you, argue with you just plain out rude. I have never seen nothing like this... I'm currently looking to purchase a vehicle from somewhere else and let them have this. I'm not behind on my payments but I just needed 3 more days which wasn't a problem but it's hating to call because the service is piss poor and I wouldn't buy nothing else from them. Upon telling them I will be returning it back they hit me with the I'll have to pay the balance after it's sold if I do that and it's still considered a repo... I wouldn't care what they call it... I call your service straight garbage and I'm not gonna pay my money and be talked to like a dog... Yes you will be getting it back and it's more than one way to skin a cat on paying you after that!!!

The only possible way this company could not be indicted on serious fraud is by having some seriously powerful friends that they are paying a lot of money to. ABSOLUTE CRIMINALS, death threats from repo men literally hours after a missed payment, car destroyed during same interaction, rudest customer service I have ever experienced. LITERALLY EVIL INCARNATE. I would walk 10 miles each way before dealing with this company again. Must have a beacon to seek out the most despicable, deplorable people on the planet to work for them. SCUM OF THE EARTH.

After paying off my loan on time every month for 2 1/2 years and with no notice (no phone call, etc) my car was repoed by J C Recovery in Medford, NY. I only knew because my landlord saw them come take the car out of my driveway. I called Credit Acceptance and was advised that they received payment 2 days late. Really? So they took my car. Then they wanted a ridiculous amount of money to get it back. I told them to keep it and what did was wrong and probably illegal. I called J C Recovery to find out how to get my personal belongings out of the car and they told me it would cost me $65 to get my things. I didn't do anything wrong. Most of my payments were even early. After reading all of these other bad reviews I believe they are a scam. Is anything they did legal?

First! DO NOT ACCEPT A DEAL FROM THIS COMPANY REGARDLESS OF YOUR CREDIT SITUATION, seek out another company that's more loyal, truthful and honest about your financial situation to help you secure a vehicle. Do not let your desperation lead you into a contract with these vultures. This Company will lock you into a hefty contract with sub-standard vehicles, dealerships and a large car note that's not even worth it. If you signed a deal with these people, try to get out of it as quickly as possible, why? Let's say there is an issue in your life that require you to make a payment a week or so after its deadline, they have no mercy. This Company will call and harass you for being a week late, never mind you being proactive in calling them to make arrangements. They will threaten to take your vehicle and cause you more financial harm.

I purchased a 2005 Ford focus from Blackwell Dodge which sold for $9999.00 and I know that my credit was not the best due to a divorce. I placed my confidence in the sales person because she was great and honest on her dealings with me. I would have never believed that TORREY BLACKWELL would deal with such a HORRIBLE, SHADY corporation.

My husband and I decided to purchase another vehicle so that we would have one for our kids to use. The monthly payment amount is good and affordable however because we made the payments a couple days after the due date each month CAC decided to repossess the vehicle on Jan. 4th. Is this even legal? We have never gone over 10 days after the due date and CAC reports to the credit bureaus that we are on time every single month and have been since we drove the vehicle off the lot however decided to repossess the vehicle anyway because the last 6 payments weren't made on or before the actual due date of the 26th of each month. When they picked up the vehicle my husband called them to find out what in the world was going on and they advised him that even though a payment was made every month they still had rights to repossess the vehicle.

I bought a car at a local dealer put 1000 down. Had my first payment auto deducted from my checking account and when second payment came due on Dec 30 we hadn't got paid yet so we told them "Take it out of the account on the 7 of Jan." Lo and behold money is still in my account and my car is repoed. God only knows what it'll cost to get back now and it's their fault they didn't take out payment. To be continued.

Been out on short term disability and I explain to the agent that I would be 14 days late on my payment! She insisted on me paying a portion of the payment when I explained to her that I have exhausted my resources. So that wasn't good enough, she went on to tell me that they are a second chance lender as if I didn't know that when I agreed to pay the high-interest rate. The agent was very rude and abrasive to where she made me so upset my hands were shaking! It's like they really enjoy adding insult to injury. I wish there were something legal we could do to change their abrasive tactics!!! They really should be aware of people conditions as well because I suffer from PTSD and after that conversation I had to seek therapy and it ruin my entire week! I really hate this situation I am in with this company. If you are thinking of purchasing a vehicle from this lending institution please seek out other institutions that show their patrons respect!

In 1998 I used CAC to purchase a car. The car turned out to be a complete lemon and I personally had it repossessed under the lemon law. CAC was informed of this fact and never responded about it. Now December of 2015 rolls around and I get a notice from the IRS that my taxes were filed incorrectly and I owe back taxes and penalties. The "incorrect" part of my tax filing was a "Cancellation of Debt" sent thru to IRS by CAC. No notice given to me about it, they just sent it to IRS. Okay, now. The state I live in has a 6 year statute of limitations on Debt. Yet these people sent this to the IRS after 17 years. Completely illegal according to Fair Debt Collection Practices Act | Federal Trade Commission. Yet they do these things anyways because they know the average Joe cannot afford the time and cost to fight them on it.

I know I was a month behind on my payments and owed 2 more payments. On Dec. 21, 2015 my truck got repoed. I called company to find out what I need to do to get my truck back. The rep I talked to said my pay off was 612.07. He said he would put a hold on the truck from going to auction for 2 weeks if I made the last payment. Our agreement was that I send 250.00 by Dec. 30 so I mailed that money order out a week before the 30 then send another 362.07 by the 5 of Jan and this company will release my truck back to me. So I sent that money order a week ahead of time on the 4 Jan. I knew they had payment that I promised them I would do. So I try to call all day long and no one would talk to me or call me back.

They repossessed my car without warning. I also had a payment agreement to pay the full balance on the 4th (which is in a couple of days). They took my car and all of my belongings inside the vehicle. I was left stranded in a parking lot for 3 hours in 29 degree weather and only a hoodie. When I called them to find out if it was them or car was stolen they acted like they had no idea what was going on. I have since tried to call and cannot get a hold of anyone, and keep being told that the department is closed. As far as customer service, every single employee is very rude and just plain cruel. They talk down to you and ask you the same questions over and over. They don't care about people and they certainly do not have any professionalism at all. They must have hired a bunch of degenerates. I can't stand this company. Do not get a loan with them. The interest is too high and they do not stick to policy guidelines.

I had my car repossessed for being (2) days late on payment. Called Monday morning. I was told of missed (2) payments in a very talked over unprofessional manner. After bank statements. Verify payments were paid in full. I want my car returned with an apology immediately. Without any repo. charges or facetious missed payments. Isn't this against the law?

1 month after I bought my vehicle the engine went out. The cheap warranty from the cheesy dealership (which is all these guys work with I would assume ) would not cover even a quarter of the cost of the repairs. All I asked is if Credit Acceptance would work with me on the payments so I didn't have to come up with the $3,000 for repairs and the vehicle payment at the same time. They gave me one option and it was to break my payments up to $100 a week and that was all they could offer. Well my vehicle payment was only $267 so if I give them $100 a week then how in the heck does this help offset anything??? I'm actually paying more monthly!!! You would think a credit repair place would take into consideration what types of vehicles and type of people they are dealing with. They are not here to help you, they are here for the sole purpose of bleeding you dry.

We actually got an $8000 loan, 62% APR with a 4 years term even though my girlfriend and I had to co-signed. We had to accept this because we were desperate and needed a car to keep us going to work and school. I can tell you that we were literally crying while driving away with a jeep liberty 2008 that has a seat belt problem and windows on left and right can hardly roll up and down. Even though they accepted us but it was like choosing how to die, instead of living.

Well today they took my car without me even knowing they were taking it. I have all my stuff in the car and work related things. How they got it, I don't know. It was sitting right by where I live and it is loud and we never heard a thing. The car is a piece of crap but I want my things they took that are in the car. They are rude and you cannot talk to them about anything. They never called when I was home, only when I was working. Then they would call over and over and over. But not once when I was home. I am so done with this company. Anyone going through them, BEWARE. They will screw you over.

These posts are exactly what they have done to my family and I as well. I was sold the goods on an overpriced Yukon and even bought the useless warranty for two thousand more. Then the icing on the cake is the incredible interest rate I signed on too. To be a little fair, we had just been evacuated from home and business due to a raging wildfire and the truck we had at the time completely died, so we had to have something to drive and move with. Anyway we did what we had to do and have been paying 500 a month for the last two years on top of the thousand I put down. (I should be driving a new Corvette with that kind of payment). Since the fire, we have rebuilt and relocated in Utah.

Hello All Perspective Car Owners, I wanted to take the time out to share my experience with good ole Credit Acceptance. With this review I hope you take my past experience and stay away from what seems to be an easy solution. What is Credit Acceptance and is it really all that its cracked up to be! I started to use this lender when I was looking to purchase my first car. I had never heard of Credit Acceptance prior to dealing with the car dealership that I purchased my car with (which ended up being shady themselves).

All I will say is to fix your credit before you have to deal with Credit Acceptance. EXTREMELY rude and unprofessional staff. I've been in customer service for over 20 years and I must say that Credit Acceptance is HORRIFIC! When you call and make arrangements they're not honored. On the 15th made an arrangement to make a payment on the 18th of September. My car was repossessed on the 17th, yep a few hours before my checked cleared. Funny thing is the repo man told me "It's in my best interest to let the car go, those people are ridiculous."

I financed my first car through Credit Acceptance Corp. All the other lenders required me to have a cosigner since I was only 19. After making all payments on time and paying off my vehicle a few months early, CAC helped me to establish my credit. Thank you Credit Acceptance Corp.

I am not sure if I am more upset with the terms of my loan or the quality of the vehicle I purchased. My interest rate is 24.9% which I accepted out of desperation. My credit score is low so I was willing to deal with the rate but I have spent almost $4000 the last 3 years to keep it running. PAYLESS Car Sales in South Amboy says "Bring it to us. We will fix it." I took it multiple times and they could not tell me what was wrong with the car. It took me 3 times before I passed state inspection.

My mom & Stepdad had bought a 2010 Ford edge suv. They had only had the car for maybe 3-5 days. This bank calls them harassing them about the payments telling them that they can shut the car off whenever they wanted to! But my parents had just had this car for not even a full week yet! So my mom tells them that she just had bought it, set up the payment plan for it to be auto drafted out of her account. Well shortly after that maybe a month later they call 3 days before the payment due date harassing them again telling my mom they are going to turn the car off (which they did) until they got the money, so they got the money. And finally after calling many of times they turned the car back on.

My daughter got a loan from this place. They are the rudest people I have ever dealt with. My daughter had cancer and couldn't work for a year and half. They sent out repo. We hid the car till she could pay it. Right after she paid it, they said it was still unsecured and could still be repoed at anytime even though several people from that office said she was fine for a month. They had her crying and screaming. They have no heart. Finally she made them give her a supervisor. They was also rude but did give her a little more time. I wouldn't deal with this company if the interest was lowest in town. A bunch of low lifes.

I bought a vehicle back in 2011... Doing fine with payments until I fell behind because of financial difficulties... Customer, some were extremely difficult to deal with. My car was only 15,000. By the time the deal was settled my total loan was $23,000. Do not go through Credit Acceptance.

I'm really shocked to see negative reviews from customers, because I've never had a problem since I purchased my car. I bought a fairly new used car about 8 months ago, and they financed me without needing a co-signer. Although the interest was high (hence the only 4 stars instead of 5), no other company would finance me at all due to 2 previous repos 5&6 years back from a divorce. I had them split my monthly payments biweekly so that less comes out through auto pay at one time. Which has made me a couple of payments ahead thankfully because I'm trying to work on building up my credit and repairing my negatives. If I'm not going to be able to make my payment, which was once, I simply called and they changed the payment to the day I needed. The customer services rep was polite and helpful the 1 time I needed to call them.

I bought a 2000 F150 and finances through Credit Acceptance in Feb of 2013. A full year of on time payments and 2 times of doubling payments. I fell behind in July 2014. They told me last payment made was in May. I told them that was correct but it was a double payment, and another double payment in March. Long story short those payments disappeared and even with bank statements nothing has been done. In July they repossessed the truck. Being down on my luck I got it back 1 day before it went to auction.

Very rude customer service!!! But I park my car in the garage if I'm late!!! Lolololol!!! I treat these idiots just like they treat me! They found my unlisted phone number. When they call me (I have caller ID) I answer the phone in Spanish and say wrong number... Looking at these reviews I won't be doing auto pay. Also how do you get a 10 day grace period if it's auto pay!!!

It was extremely difficult for me to give this company 3 stars. However they financed me about 6 years ago, when no one else would. I have been behind, received horrific harassing and threatening phone calls in the beginning. Ones that raised my blood pressure and made me wish I had **! They never repo'd, and eventually I was helped by very good reasonable customer service people. If you think you have "bad" credit, don't be so sure.... Check your score, talk with a few MAJOR dealers, not little car lots. You may find yourself able to finance, albeit at a higher rate than the folks with credit scores of 780 and up. You'll be much happier in the long run.

My very first payment!!! They decide to take it out 3 days before due. My bank wouldn't allow them to take the money yet so a day after it was due they took the money out of my account in which I have proof. Then they say they never got the payment which is untrue and say I have to take it up with my bank and had to make another payment.

These people are rude! Now they are suing my wife and I for about 8000$ when you don't even have the vehicle! They are the worst to deal with! I hope they shut down in business cause they are garbage! I would never recommend them to anyone! Enough said!

Quite a few years ago I purchased a vehicle from a lot (later found out it was janky). The lot was family owned (** family). I didn't realize they lied about my income to get me approved for the loan until I got home and looked through the paperwork a few days later. Prior to this purchase, I had no credit and no debt. My apr was set at 24.49%. I bought a vehicle that was overpriced by about 3-4000$. Once again stupid, naive me. The car blew a gasket on the freeway the same night I bought it, just my luck. The problem is Credit acceptance called me a few days after bringing the car home to get my social security number and other info to apply for the loan. Wasn't that what I was doing at the dealership? Needless to say, I tried making payments on the car and fixing it at the same time. Blown head, pinched tailpipe and no ABS on a 95 blazer. Yea, I did a voluntary repo on that piece. It went for $600 at auction. I still owe 3,000$.

I have had three cars financed and this is the worst company I have ever dealt with. I have been repossessed over a half dozen times, due to the payment being a day late, a week late, not even a month. I lost my job for seven months and still managed to keep up payments, now that I am working they have NO grace period when they want payments that have been jacked up due to repossession fees. Now I have been repossessed not because the car payment is late but the astronomical repo fees. Who can pay a car note three or four times in a row???? Then when you contact them, they want you to explain why you are late, maybe it's because you keep repossessing my vehicle for no reason!!!! One lady was so rude, "why can't you get help" she says? Why can't they give me a break especially since I have been with them for four years and on my last year??? I am seriously looking to be refinanced to be rid of them!!!

We got a vehicle from Credit Acceptance 2 years ago. Very unsatisfied with their customer service and representatives. The only good representative that they got is Valerie and she does not lie to you and she works with you. On Wednesday our vehicle got repoed for one payment behind a couple of days. Credit Acceptance then told us we talk $1,324 which was an absolutely a lie. They said it cost $400 to tow a vehicle two miles to the facility. Then tell if we paid 250 up front that our vehicle would not go to an auction site, that it would still sit of the repo place. Again they lied and sitting at an auction facility with almost all the money paid and said that it's going to go up for auction. And that they close at noon today so we made the rest of the payment and now the facility said "Oh" magically closed and they can't give us the address until Monday.

Car was taken before payment was due and they are still trying to take money from my bank.

Please look at other options to re-establish your credit. The payments are ridiculously high and they're a pain in the ass to deal with. Don't expect courtesy calls of any kind, only harassing ones. I've spoken with some good Customer service reps and I've spoken with a few ** as well. I will never recommend this company to anyone.

Credit Acceptance said I'm back on my truck payment of $200.00. It's not true and I have payment automatic withdraw out of my checking account. Paid a payment on October 7th 2015 and they taken more. They charged my debit card and bank $200.00. I did not tell them to take this extra money out of my checking. We need to take them to court.

I have been a customer for 2 years with Credit Acceptance. I have never had a problem with them until I got behind one month and I could only make a partial payment of 180 bucks. These people gave me a hard time. I only needed a few extra days to pay the remaining balance and they were like "can you pay anything today." My response was, "if I could I wouldn't be on the phone with you right now." She was so rude and had a bad attitude. After that conversation I hope I don't have to ever call customer service again.

So after over a year of on time automated payments something goes wrong. My payment didn't go through as it always had. I didn't notice and my wife didn't notice. 4 days after it was due, I walk out of my office to find my car gone. Now I have to pay an additional $250 to get the car back. Not a phone call or letter or email or any other courtesy to find out what happened. They claim they never heard from us and the automated payment was not in the system. I never changed it nor did my wife from the day I bought the car. This place is ridiculously overpriced and they have the rudest staff I have ever dealt with. If you can avoid it do not do business with this company. They will screw you from the moment you sign until you pay it off. If I had it to do over I would prefer to walk.

I was approved for a 2007 RAV 4 at $20,000 with payments of $316 a month with a 22% interest rate. I understand that's kinda rough but with my credit at where it was at I also know beggars can't be choosers. They set up my auto payments for the 7th of each month. I called today and they said since my due date is the 27th, I have a 10 day grace period so by paying on the 7th it made me late every month with a fee of $15 each time. Needless to say, I switched my auto date to the 6th. I'm upset because that was not discussed at the time the auto draft was set up nor did I get a phone call the entire time. They said it's now in collections, but I've never missed a payment.

I purchased a car from AutoSmart America, a 2004 Chevy trailblazer. HUGE MISTAKE!!! Payments were way higher than it should've been to start 425, and the car was already 7 years old, hit behind in payments, of course no one was helpful yet rude, transmission went out. Long story short, I told them to pick the car up because it no longer worked. Not only did they pick the car up but they sold it at auction for 1250, and I'm still stuck paying out of my pocket for a car I haven't had in 3 years. DON'T DEAL WITH CREDIT ACCEPTANCE no matter what!!! Shop around for a vehicle, catch the bus if you have to. They are a rip off and the dealerships who deal with them as well.

I have been out of work and had some trouble catching up on my payments. I have been working with Credit Acceptance regarding my account. Well, one day, my car would not start, called them 8 times and they insisted they did not shut my car off. LIE. Turns out they do after insisting that they did not. Cause you stress and other factors. Should sue them for total amount paid to be refunded back to you and the title of your vehicle.

I guess I'll fall under the minority. They approved me and my friend on March 2015 (with pretty meh credit) for a loan on a 2008 Dodge Charger R/T. The interest was of course through the roof (the typical 22%) but that's the price you pay for having sub-par credit, and I knew to expect that. The dealer themselves were useless and once I drove off wanted nothing to do with me, but Credit Acceptance has been fine.

If I could give a negative 0, I would. They suck in the first 3 months. They tried to screw us, then halfway through our contact they took out double payment.

I bought my car at a dealership for a little over five thousand. A month later they decided they were going to go with a outside company. Not knowing it was credit acceptance for another month (dealt with them before, hated them then) I paid on the car for a year when I wanted the payoff amount. It was two thousand more than I figured it would be.

The car looked beautiful. 2007 Dodge Magnum. December 14, 2013 - Was given paperwork to sign and that's about how it went. Sign here, here, and here, and on our way we went. I should have never signed the papers. Went to visit family for Christmas, 400 miles away and used 6 quarts of oil. After getting back home luckily the motor didn't burn up. When I contacted dealership they came and picked car up with a tow dolly. Car was taken to their mechanic, for 3 weeks, no issues were found. Car still leaked oil so I called them again and car went back to their shop a second time - no problems found. I personally got underneath car and found that the oil pressure sending unit was leaking. It wasn't tight, one thread and fell out. I tightened up - no more leak. Now it's Sept. 2015 and I still owe $10,000 on a car only worth $4000. Watch out for these sharks, read all paperwork before signing anything, don't find yourself in a bad loan like I did.

Credit Acceptance had my car repoed! I mailed them the current amount due and they hadn't received it so they repoed the car. I tried explaining to them that I don't control the mail but they didn't want to hear it. They refuse to let me have the car back until I pay August and September payment. August was already paid and the September payment is not even due yet!! This has to be against the law.

Never have been late on a payment, send a note requesting that they hold until a certain date, (5 days later even requested late payment fee) and they are either IGNORANT, or Money Hungry Scum! With that being said, can't wait to take my 401k out and pay the lowest of the scum company their money and will make sure they are well known on social networking and word of mouth and (I HAVE A BIG MOUTH) NEVER TO DO BUSINESS WITH THESE THIEVES!!!

I was late with a payment due to having to put the car in the shop several times since I purchased it in March of this year. I asked to get an extension and make a lump sum payment on my next payday which was just 5 days away and was told this was OK. Needless to say the day before my birthday and two days before my agreement, the car was picked up. I contacted these people and made the payment as promised and was told I could pick up my car the same day. I find out after the fact that my car had been transported to another storage facility and Credit Acceptance could not give me the information of the location of my car until after it had been checked in by that facility.

Granted they gave me a loan... I paid on time, only had the car for 11 months and traded it in for a brand new 2015 car. My new dealership sent the payment to them. Credit Acceptance kept calling and they were completely rude threatening me that I would get a bad remark on my credit from them if they didn't get their check on the day they were expecting. Very threatening and rude. WILL NEVER GO THROUGH THEM AGAIN.

I purchased a car from Labadie in Bay City, Mi (never go there) and month 2 of having it, it went down. Transmission went out and to sum it all up, it was a lemon. Over the course of having my jeep, I paid to get it all fixed because that was my only means of getting to work. I worked in a different city so I needed my car! The car went down again and I lost my job. I expressed that to Credit Acceptance EVERY TIME they called and they noted and noted but that was it! I was never helped or guided and the customer service reps were not the nicest.

My husband and I financed a car through Credit Acceptance back in 2013. My son was born at 25 weeks and we were four hours away from home where his hospital was. I traded in my 2007 cobalt as a down payment. Everything was fine. My son came home two months later. After a few months my husband lost his job. We tried explaining to them about the job situation. Needless to say, they repossessed our vehicle. They told us they were going to sell our vehicle at auction if we didn't come up with over $600 that day. My child being sick and no job, that isn't easy to do. We lived in WV at the time where it isn't easy to just make $600 on a whim. So we let it go and decided we would take a loss. So now, years later, we get notification of a lawsuit filed against us for the repossessed car! They took the car. They sold it. Why do they have to keep up with this? It is ridiculous and they are just out to get people. DO NOT FINANCE THROUGH THIS COMPANY. Scam artists.

I purchased my 2007 Yukon Denali XL from Unique Auto Sales in Richmond, VA June 22, 2014. Ever since purchasing I have been through hell & back if not with the Janky Dealer then with the Lienholder. First I was told I had a 10 day Grace period & my payments were due on the 30th of the month so 10 days from there is?? Ok THANKS well that wasn't the case. Also I somehow in September of 2014 made a partial payment WHICH I WAS NEVER NOTIFIED ABOUT TO COLLECT ON EITHER VIA MAIL OR IN WRITING SO MONTHS went on. Finally in May without notice my vehicle which I have been making payments on never missed a month got Repossessed. What a low blow... I didn't know what was going on.

I have a issue with these moron that works there. Customer service there is a freaking joke. They are very disrespectful and they have no means to helping you with your situations. I fell on hard times and felt behind on my note. These ** repo my car and told me I had to come up with 1000 dollars to get it back. I'm going bring it back to where I bought it from and get me something better. They need to close that place down and fire all those jackasses that work there.

I bought my car in May or June 2014. We needed a car to get to work so we went to a dealer because we seen a 2003 minivan for 1900.00. I only had a thousand so because my credit was not good and I was trying to build it. Credit Acceptance helped me out. I'm a women I had no idea what was going on. I ended up with a loan for 3800.00 that's 215.00 a month so the car doubled In price getting this loan. My 1000 down is on the paper but never came off the loan.

Please be mindful of the type of company you are financing with. I was 19 when I signed for a loan with Credit Acceptance. I was financed at 22% for 4 years with monthly payments of 497.54. I was fine with that because like any young child I just wanted a car that didn't break down as much as the cash car I previously owned & I also wanted a nice car. My loan was paid off July 31, 2015. The people at Credit Acceptance are so rude it's unreal. I have had so many arguments with these reps that I visioned myself showing up to the headquarters to actually see some of these people in person.

I lost my job so instead of them being considerate with me, they called me about 10 times a day trying to get full payment.

I was one day late on payment and I get called on Sunday morning at 8:00 am six times. The customer rep was very rude and did not want to hear that the payment had been made. Stay away from these people, zero people skills. I am contacting the US Attorney General about these people and will try to shut them down in New York. You have to be late ninety days before they can repo your car. They turned it off and said that law does not apply to them.

I just recently bought a car through the Credit Acceptance program and, honestly, I don't think I would have a car today if it wasn't for them. So, I am really glad that they have given me a chance have a car. At first, I was a little skeptical of financing through Credit Acceptance because I figured, yeah they guarantee you credit approval, but it's something ridiculous and it's something that you can't obviously afford. I was quite surprised when the dealer discussed with me the payment plan that Credit Acceptance wrote out for me. It was actually affordable and I was shocked and relieved. I honestly thought that I was going to walk out after the dealer told me the payment plan because I initially thought it was going to be outrageous. I also signed up for the auto payment option so that I can ensure that I don't miss a payment or worry about any other issues happening.

So I bought a car in January of 2014 from City Auto Through Credit Acceptance. My 1st Car in May Of 2014 the car broke down due to a faulty thermostat housing (which was faulty when I bought it I just had no knowledge) so moral of the story City Auto sold me a lemon. Ok so we took the car to City Auto where they looked at it and diagnosed it as blown head gaskets which would cost 2800 to fix so the warranty they sold us (the ** warranty) didn't cover ** because they said due to the thermostat housing causing the head gaskets to blow they wouldn't cover it. So we left the car at City Auto for 8 months because I wasn't paying 2800 when I clearly had a warranty. Then we get a call from Credit Acceptance saying they paid City Auto to get the car back and we owed them like $400. Here's the kicker. Credit Acceptance paid City Auto to put the motor back in and they paid the repo people to get the car now.

I was referred to their legal department and my case was closed prior to my situation being resolved. I was then informed or threatened that if my payments were not made up to date by the end of the week the car would be reloaded. Am disappointed and turned off with companies who have no idea what it means to speak to someone without showing some type of concern or remorse.

This company sucks! I am getting up to 6 calls a day and only 3 days late because of medical problems I suffered recently. They don't let up. Truck has all kinds of issues that warranty won't cover as well. Stay away from this company! Can't wait to pay this piece of crap off!

I bought a Nissan Altima from a credit acceptance dealer known as cross auto. First they didn't send me the information I needed to tag the car, then when I got it, it showed that there was still a lien on the car from a previous owner. It took 4 months and hiring lawyers to look into it before I was finally able to tag my car. About 2 months after I finally got it tagged, the engine was having problems. I took it to a mechanic that told me the head gasket was blown and leaking water into the engine. I continued to pay my bill as normal but unhappy with the circumstances.

We were in dire need of a car, but at the time I had less than stellar credit. I was able to get a 4 year loan on my car through Credit Acceptance. The interests rate is much higher than I would like, but that's to be expected since this is generally for people with poor credit. I signed up for auto payments and have had zero problems. The few times I had questions or an issue it was resolved quickly and easily with other customer service rep. I get a message before reminding of the upcoming recurring payment, and a payment confirmation afterward. The only way you're going to have issues is if you miss your payments, but that's your responsibility to make sure that you pay and the payments have gone through.

The cars in their parking lot look great. Bought a 04 Saturn VUE. First car ever, first off triple in price. Second, a week from having my first car the ignition key switch was locked. Could not turn my key to start the car. Down the line bad tires, bad brakes, etc. These cars are jacked up and they fix the minor things so they can sell them and get their pay. Don't go with Credit Acceptance. Not recommended.