Credit Acceptance Corp Reviews

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.

Well I bought a van in Tennessee Knoxville, then same day I started having problems with it called the dealership told him. That first choice auto in Knoxville Tennessee, then not even week later. More problems started happening to the van, call again. Not his problem, then not even a month the motor blows up, who the one stuck with Bill me, and credit acceptance knew what happened! And they knew motor blow up still pushing me more and more money. Back my station I had paid out for parts and new motor and labor! Still needs more parts. Here I Been paying payments what I caught on the bill sale nothing Mac thing up and I feel I am getting rip off as well the dealership getting more money to what he already made off me when he sold me van!

I bought a dodge Caliber in 2010. 13,000 before interest, roughly... I scheduled to make automatic withdraws every month. I scheduled to make the payments all the way until February 2015. In December of 2014 they decided to inform that I had missed a payment in December of 2013... they charged me late fees as well. I asked "why did you wait a year to tell me that I missed a payment when I have scheduled automatic withdraws?" With the horrible customer service that they have she couldn't explain to me.

Ok my car pay off was $3002.49. My car got totaled in May. My insurance called to get the pay off. They sent it to them. Ok mind you the insurance only can pay what you tell them. How about they paid them for the title and come this month? They took money out my account saying I had a balance. I'm lost. Why release a title if I had a balance? Really? When I had insurance policies that covered my car. I have to get something done about this mess.

My car was totaled. Geico tried to pay it off. Credit Acceptance lost my title somehow. It takes 4-6 weeks for them to get it. How convenient that this makes my payoff more and I owe another 300 dollar payment on a car that has already been paid off. But their negligence will cost me about 400 dollars. Guess being a customer for 4 years doesn't matter to them.

I went in for a car in November. CAC was the only company that would finance me. Set payments up on auto pay for 6 months because I was going to upgrade the car. Couldn't get the upgrade so continued with the payments. Last month I ran into financial issues and asked for a deferment. Got it. Paid my regular car payment plus all but $50 of the deferment. Today at 8 am I get a call from them threatening to take my car if it's not paid by the end of this month. Will be glad when I'm done with them.

I have an auto loan with credit acceptance and have till 11th of each month to make my payment but yet on the 2nd of the month the harassment starts. I also at one time set up autopay and was told as long as I did I would not be charged late fee or be turned in on my credit report. Well guess what. They lied about it all. And my loan was to be for around $8,000. Well guess what. When I received papers it was over $11,000. Government really needs to monitor these people.

I can't understand why people give this company a bad reputation when they were the ones that messed up their credit before taking on a car loan. I can admit that my credit was terrible as a result of some bad decisions I had made earlier in my life. I needed a car for my job but I had $300 for a downpayment and terrible credit so I called around and found a used car dealership that would work with me. I got a car that was within my budget which is the first thing people don't do which I don't know why they blame Credit Acceptance when all they are doing is giving you a loan.

Before my wife and I got married she had taken out a loan with credit acceptance to finance her vehicle. They were steep in their interests rate but she had little to no credit. Several years later after never missing a single payment, being late, or even paying less than she owed this company thought that when she updated her account info after we switched banks that it was her way of authorizing them to take the payment from BOTH accounts. Common sense would dictate otherwise. Rather than refund the amount they took the hardline told her that "there's nothing we can do."

I had purchased my vehicle a 2004 Yukon Denali back in 2012 which was selling for $13,825.63. I put down $4,000 which left $9825.63 for me to pay off. I paid off $9,348.67 which all I owe now is only $476.96. They're trippin on their #'s telling me I owe them $5,000. And they sent a tow truck to my house which I refused to let them take my ride cuz I practically owe it. I emailed them and they told me to call. I let them know I won't call and deal with their customer service because they are unprofessional and straight up rude. This company says they will work with you. B.S.... I advise everyone not to use this company to finance anything. They suck at everything they claim to be.

I purchased a 2006 Chevy Cobalt in 2009 - the car was on $16000. I put $2800 down and my car payment was $313 a month. Come to find out I was charged $23000. In 2013 the ignition went out so they wanted me to pay $1000 to get the Ignition repaired, $200 for a key, and still pay my car note which I only owed $3000 on. I couldn't drive the car because the ignition went out and I couldn't pay to get it fixed so I had them come and pick it up. After they picked the car up and sold it the car was recalled due to a Bad Ignition and now my paycheck is being Garnished. This company sucks.

I traded a 94 Civic with 151k mint car for $800 and my whole paycheck of $340 for the down payment for an 08 Chevy Aveo 5 SPD. It had 153k on it when I got it. (Hence no lemon law) 31 days after I got it the clutch dropped and I couldn't even move the car. I had to tow the car 30+ miles back to my house. I didn't choose a warranty because it was $60+ more a month and I couldn't afford it and I didn't have the money for replacement parts... Now I have an attorney telling I owe $5400 and for me to contact him with in 20 days or I am gonna have my wages garnished... I just graduated school and am getting into the work force while parenting my 3 yr old... Please if anyone reads this avoid them at all costs!!!

This company was by far the best credit company I've ever worked with. The rates were not THAT overwhelming since my credit was in shreds after 3 divorces over 30 years. There was a tiny misunderstanding on the due date of first payment but it was from the dealership not CAC. CAC worked with me to get the error ironed out and no other problems. The website was super easy to make payments on. And when I needed a live person, everyone was great. I'm now trying to find a nicer truck and so far have not found a dealer who uses CAC.

Bought a truck in 2012. Due to previous bad credit, had to have it financed through Credit Acceptance @ 23% interest. Set up weekly payments and made them for 24 straight months never late!! So I basically paid an extra car payment every year. Went through a job change and went a month or so with no income. So I stopped the weekly payments. Took it upon myself to call Credit Acceptance and explain the situation and asked if I had a balance due on my account and so on. Talked to a guy who was very polite and said I had nothing due until the following month. 1 week later they start calling me nonstop. I answered and the rudest women I've ever encountered started telling me I owed $900 plus late fees and that I was behind 2 months. I tried to explain to her this is not correct. I just talked to someone from her company 1 week ago and was told I was current.

My husband and I used them as a loan option. We missed 1 payment because I was in the hospital. We called and they said "you're OK." We made payment consecutively for over a year. I went to start my car and it would not start. I called this company and I was told they were coming to repo my car for non-payment. I asked for a manager, some man name ** tried to be calm but I wasn't having it. They lie, they try to be mean and forceful. DON'T LET THEM. If you know your stuff is in order, keep going over their heads until you get to the person who will make sense! If you can, go to another company! They will rip you off!

Paid my truck off over 45 days ago, still have not gotten my title. Called them up and they tell me I still have a bal. of 32 dollars. After waiting for 45 days they tell me this now and after paying 22% for the last two yr. Please don't use them. If you're a day late, they will call you nonstop. I would walk before I ever use these. Guys, again, please stay away from them. Thanks.

My partner lover got phone calls every week, diff times a night and mornings telling him he has to pay his mother's loan debt who is deceased as of 2013 Christmas Day. Had a car loan with this bad rep agency called Credit Acceptance. My partner is very upset, stressed and sad by them not listening to leave him alone. They are ruthless and not nice at all. They don't care who they call or who died past. They just want your hard earned dollars and over charge people. They should be out of business. Totally unprofessional for a auto loan company and a rip off for people with less than perfect credit. Do the math, get the facts. If they harass you get a lawyer to stop them.

RUN DON'T SIGN! Antagonistic, sloppy in their record keeping, rude and racist, harassing! 1st payment due; they screwed up and didn't put paperwork in correctly, so CAC cancelled their own auto deduction. They call the day after it was due (mind you I thought they had already deducted payment) yelling at me and threatening to repo car... After they realized it was their mistake, they help me set up auto payment again... It was set with their help on the wrong day! So they would call and call demanding money! (Again I thought it was being paid because they set it up) They call at 0600 Sundays from Michigan. And multiple times through the day!

I made a payment arrangement with these people to defer 3 payments because we hit a hard spot. They agreed so... A week or 2 later they came and got my car and I tried to call the people and the lady said that the guy that was doing my paperwork was fired and that all agreements that he had processed was invalid. So they took my car!!! This company is a piece of work. I tell you they don't give two ** about anyone, or about helping anyone. That was our only car and about lost our jobs...

My wife purchased a vehicle for our daughter in August of 2014. When we bought the car we put $9,000 down on the $17,000 vehicle. After paying $315 a month for 10 months we still have a balance of $17,100. The customer service rep and her supervisor will not even speak to me about it because I'm not my wife who isn't available to speak to them, even though the payment is drawn on a checking account in which I am listed first. So consequently we are paying interest on $9000 that we have already paid. My next call is going to be the Washington state attorney general's office.

Purchased 2003 Chevrolet Suburban in February 2011 from Extreme Auto World of Pearl, MS. Due to a poor credit history, I was financed through Credit Acceptance Corporation at 17.9%. I had a $4500.00 down payment. The price of the vehicle was $12945.25 and the total sales price turned out to be $21,692.42. It was repossessed in September 2013 with a balanced owed of $3600.00. My payments were $440.78 and my finance charge was $4245.17.

My husband had a loan through Credit Acceptance to establish credit. He purchased a car that also had a warranty that he could purchase extra. The engine went on the car after 18 months and because we had no oil receipts because we had friends and family do the oil changes, they defaulted on the warranty. We told them to take the car as a voluntary repo and now they are charging my husband for 2 months of past due payments when they have had the car in their possession for the past 3 months. A class action lawsuit needs to be started on this company just from all of the posts and complaints that I have read about them.

They have bad customer service. They refuse to give information to me about my own account because I won't give them the of my attorney. My attorney never got my auto loan so therefore he has nothing to discuss with them. I simply made the case that they lie and don't tell consumers everything. They got upset because it was true. And I stated I get my attorney to tell us that we don't be told the truth which absolutely has nothing to do with my car payments or them discussing my account with me. Credit Acceptance is being a jerk and they need to be investigated.

I hate that I've ever got financed through this company. You can be a day late on your payment and they will begin to call you over & over & over starting at 8:00 am in the morning including on a Sunday. They have the rudest customer service representatives I have ever had to deal with. I paid over $18,000 for my vehicle & I was 2 days late on my payment and they came & repoed my car. I paid to get it back. Credit Acceptance added late fees to my account. My car note is $391.44. I made an agreement to pay $435 a month for 6 months to get rid of the late fees beginning on the 29th.

I was inform that once I pay each month for 4 months I will be ok. Base on the information in the contract was different because you plan on paying off your stuff before!! Instead when you pay you assume that's the amount due to break it up into 4 payments. Last month thinking I am finish paying, oh no they come up with all these fee and charges that is not listed and you were not inform of. I am so pissed off. I had my money to pay cash but I was talk into this program because wanting to build credit!!! People stay away. It's a way to get you trap into some bogus crap!! Never ever again. This cannot be legal!! At last minute you need to provide renter's insurance which was first I heard of it, so I am being told more money. Damn scam.

I traded my 2001 ML320 for 2006 Hyundai Santa Fe in 2013. In April 2014 lady rear-ended me & totaled it.. I suffered injuries & had treatments & surgeries. Her insurance paid 9-10,000 & left $1742 bal.. They told me get same dealership to finance & put bal @ end of contract.. Dealer never gave me GAP.. So I got 2011 Hyundai Santa Fe from Hyundai. I had to set up arrangement to pay $100/month to CAC who wouldn't wait for accident to be settled. In April - credit good & I just finished chapter 13. Then in June they reported me to credit bureaus saying I was late & in collections.. I was shocked b/c why make arrangement then act like I'm not paying? They really wanted full car payment.. Never say to credit bureaus they got most of money.. So my score went down got denied credit card from my bank.

Please do your research and stay far away from this company. I purchased a used vehicle financed thru them in 2012. Driving the vehicle home I noticed clunking coming from the back end whenever I stepped on the brakes. The closer I got to home the more I had to pump the brakes to stop. I called the dealership I bought the car from and had to bring the car back in to have the brakes and rotors replaced, even though there was an inspection sticker on the car for the same month of purchase. After the repair there was still loud clunking from the back end and I brought it back again and they told me they could find nothing wrong with it.

Bad customer service. The people that call are rude. They talk to you like you are dumb. I can't wait until my husband pay them off. I will pass up on another car loan if this company is offering the loan. They call you before 9am. System need to be updated.

Apparently I borrowed money on a car in 1994. I now got a wage attachment for a loan that's 20 years old. The loan was in Delaware. I honestly don't even remember a loan from this company. Does anyone have any information on what I can do. I've called Credit Acceptance and they couldn't even tell me any information on this loan and stated that they need 5 days to even locate the debt. This company is pure garbage in my opinion and I hope they rot.

I am completely disgusted with this company. Every time they call they are nasty and always talk back on the phone. Payments are always on time. And if there is a past due and a payment was just received, they will call, harassing you for the rest and argue with you. I just got off the phone with a women who I had to hang up on because she was raising her voice and telling me I "better" calm down. This company is horrible, unprofessional and I advise everyone to never ever use them!!!! NEVER USE CREDIT ACCEPTANCE!

If you're financing a vehicle through Credit Acceptance, your credit must be the worst of the worst. I was in that boat. The guy at the dealership told me he hates using them because they charge enormous acquisition fees but they finance deals that nobody else will. Your choice of vehicles will be very limited when you finance through them and most likely you will get stuck with a lemon.

I purchased a car in December 2014 from a dealership in St Louis. I have terrible credit due to divorce and they got me financed through Credit Acceptance Corp. I did not get any information provided to me by the dealership regarding this loan such as loan amount, due date, etc. I had to look up the company online (after asking for 3 weeks to get it from the dealership. They did not give me my new car paperwork until almost a month after I bought it. Anyway, I called CAC 3 days before my payment was due and I asked them about payments such as how could I pay them, will I get a payment book, etc. They were very nice and very helpful. They walked me through their online payment site and also sent me a payment book in case I wanted to just mail my payments in.

Contact Credit Acceptance, advised them that I would me combining both March and April payment as it was past due and May was approaching. Due to cut in my hours and trying to sell home things were hectic. Was told no problem. I checked my mail daily, never got one letter of threat to take car. Never got any letters since 2014 when I purchased car. I get home late that night and wake up to the company All Hooked Up which by the way I did not find out who they were till days later.. dragging my car off my lot. I came out and asked what was going on. They flash a piece of paper my name was no where on it and say the bank said take it. I said I have no letters here advising me the car was in repo status and I was told I could wire in the morning by Moneygram the amount due 548 dollars. I get my things from my car and I ask again "who are you?" They say "we can't tell you"??

My experience with Credit Acceptance should strike fear in the heart of anyone considering an auto loan. The interest rate I was given was 25.5 percent, I was told I could not get advertised price for the car because the lender set the price. I ended up defaulting the loan because the motor went out in the car 10 months after purchase. After judgement I ended up paying 23,000 dollars for a car in the salvage yard.

This company is bad news. They take advantage of people with less than prefect credit. They will give you the run around about payoff... I just want others to do your home work.

I am writing on behalf of my sister who purchased a vehicle and financed it through Credit Acceptance Corp. She was late on one payment by one day and they repossessed the car and had it on the Auction Block the next day, even though we had paid them the amount due over the phone the night before. Also, they told her, her payment was now due on the 13th even though her contract said, "the 20th." They then charged her late fees. I am writing this on her behalf as I am the one who paid the repossession fees and made three or four payments and put the money down for the car for her. Whenever we phoned them to discuss making a payment, picking up the car after repossession, or about future payments we were treated with disrespect. They spoke to us in a condescending manner. I will tell everyone I know not to go through Credit Acceptance due to the way she was treated when she phoned them and the way things were handled.

Bought a truck, a year later fell 1/2 pmnt behind. I get daily nasty phone calls threatening to just turn it off. They don't want the truck. They just keep adding late fee. PLEASE walk before you regret it.

I purchased a 2012 ford focus with 114 thousand miles on it. The internet price was around 10,000 but after it was financed the price was 26,000 and on the 1st day I purchased the car my radio went out and I've been having problems with it ever since and they will not fix it. Keep giving me the run around.

We had gotten a loan through them for a car last August and we made EVERY payment on time in full. We just traded it back in for a newer vehicle since we had what you call a revolving loan through the dealership. The dealership is paying the rest of our loan through CAC since we got a new loan through a bank. One day after we did not make our payment since the vehicle is no longer in our possession they started calling, so I spoke with TWO different people about the fact that their check from the dealership is on the way and they still didn't care and treated me like absolute **! They wanted me to pay on it still and said it was going into collections if I didn't pay. I told them to send a repo truck here because it wasn't here and that I know how collections works and that they can't report it for 30 days so I wasn't threatened nor was I going to pay and to be removed from the call list.

I got a loan from CAC in 2013. Two weeks ago I traded that vehicle in and made arrangements for the dealer to pay off the vehicle. During the course of this transaction the salesman called CAC and after several conversations between CAC and the salesman and I, terms were agreed upon. Three days ago I received a call from CAC stating my payment was overdue. I explained to the representative that the vehicle had been traded and she asked for the number of the dealer and put me on hold. About 5 minutes later she came back on the line and stated that the dealership had never heard of me.

They are the worse car lender I have ever had and I've had a few. They are worse than buy here pay here. I want out of my contract because I refuse to be harassed if I'm 1 day late and called on Sunday for a late payment. I advise please don't do it- run.

Paying the first payment due was a nightmare.... I will never do it through the western union again. Tried to set up the payment then I cancelled it but they still took the payment out of the checking account and made the account bounce. They did credit back the three charges that were taken by mistake in their words as a courtesy but I have been trying to get them to also pay the 70 dollar bank fee which they wont. I have emails proving the payment was stopped... They are horrible company to try to talk to. They will not listen to anything you have to say. I also keep asking to talk to someone who is over the supervisor, like even the owner and they will not let me.... They are mad because I deducted the 70 dollar payment from my next month's payment but I had no other choice. If anyone knows where I can get some help in this matter please let me know.... All I want is for them to acknowledge that it was their fault for the bank charges.

I bought this Cadillac escalade April 6 2015 from unique auto sales. It's been in the shop since last Thursday. Bought the 2 year warranty that declines every service that was suppose to be covered. Called Credit Acceptance they said, "Take it up with dealer". Called dealer they say, "Take it up with the warranty company". It's been a runaround for me since. Now I have no car. I traded my truck in that had a title loan, til this day it's still not paid. I will be filing a lawsuit.

I signed up for a 90 day at 0% interest plan for furniture. At the time I was told that I would receive courtesy phone calls about my payments being due and I would be able to pay on the phone. If the 90 days expired and the balance was not paid in full there would be an interest rate of 24% applied. I am fine with this and agreed to this except for the fact that they do not add the interest as an accrual, they add it to the total balance of the beginning balance all at once. My initial purchase was around $800 total. Now since I missed the last payment before the 90 days is up, I now owe an additional $725.00. Keep in mind I only had a remaining balance of $150 at the 90 day mark. To add insult to injury, I asked the customer service rep if they call for the last payment to give the consumer every effort to meet the 90 day deadline and he stated that at the end of term they do not give any correspondence whatsoever.

I purchase a truck in June of 2011. I have paid 14,000.00 so far on it. Husband got diagnosed with cancer - was late on payments. Our income was SSDI which is not very much, they always worked with us. We needed the truck to get back and forth to doctor's office visits and chemo for my husband. Well could not afford to make payments no more. They agreed to 200.00 a month or 50.00 a week. Got our tax check and I caught up the payments. Was current, I called them to get back on the 200.00 a month and they said they could not do that. So I made the payments anyway which left us with very little money for gas and very little money for food. Well my husband died and I can not afford the amount of the payment. I was 7 months past due, I stayed in contact with them, they always asked me where the vehicle was. (Ya think I am Stupid.)

I've unfortunately been left to deal with Credit Acceptance as a result of a divorce and work related injury that basically left me temporary paralyzed on my entire left side of my body. I called C.A. Corp, explained my situation that I was on workmans compensation and that at the time I was being paid on a bi weekly basis. The representative was somewhat sympathetic to my situation but ultimately stated that contractually I was still obligated to fulfill my financial obligation for the auto that I had purchased. I stated again that I would gladly continue to make payments but if they could lower my interest rate just until I could return to work since my youngest son had to use the auto to transport me to and from my various medical visits I would gladly catch up as my health improved and allowed me to return to work.

We fell behind on our loan after my husband's stroke. I called the company and explained that we would turn in the vehicle voluntarily. They said no. I paid partial payments and finally could not continue. They repossessed the vehicle and then hounded and harassed us to "retrieve" it. The first time I asked them how much it would cost and they upped the payment to twice what we were paying... then it became almost one and a half times the beginning amount. We now owe $4000 over what we purchased the vehicle for and it Blue Books at 1/3rd the amount we paid. They have threatened and threatened. They refused to show any paperwork about this matter, including a copy of the loan agreement which we have been trying to get since we bought the car. A lawyer told us they cannot get a judgement on social security so they can keep the thing. It seems we all have roughly the same thing with them.

I Bought my car Nov 2014, the Interest Rate Was Crazy. Dealer told me That the exhaust was brand new And brakes were Good. It is now April and I've had to replace Both. The Interest seemed to Of went up 10$ a week. I finally refinanced my loan through my bank interest went from 17.97% and now is 10.99% interest. I will never go through this company again.

OK. Start with today checked my email and AGAIN NO CONFIRMATION!!! My car was Repossessed in January for I changed my account # and it was missing ONE DIGIT so 4 DAYS after, my car was repossessed. They have 4 phone numbers, and EMAIL ADDRESS. The vehicle has a Kill Switch... I was TOLD would be used if EVER anything went wrong BEFORE REPOSSESSION!!! I got the car NEXT DAY but with a $250.00 Fee another $250.00 for the Registry. My car note I was told would end 7/31/15. Now they say NO it ends 5/15/2016. Asked for contract they CLAIM they have NO PAPERWORK to show when my loan ends and the dealership closed. I need help - have paid $11,000 on an $8000.00 car. Today AGAIN NO EMAIL to confirm my payment!! I NEED HELP!! PLEASE.

Why are bank still in business when people are getting debit cards in their mailbox? I don't understand how Banks are still in business when people like don't understand how to keep a Checking Account up and keep my Balance above 50.00 dollars.

I keep getting unwanted phone calls about this truck. They're trying make me and my husband pay for a truck that's not running and on top of that they cut the truck off in a bad area and we went back to get it and all the Windows were busted out. I really do think if we got to pay for the truck anyway I need something that drive and go.

I have requested a copy of my payment history, along with a copy of my balance. Credit Acceptance will not send me the requested information. I have no idea what my balance on this vehicle is. I have spoken with 4 different employees at this company, and they flat out will not tell me what my balance is!

I have a great dislike for this company. THEY DONT CARE ABOUT THEIR CUSTOMERS. 98% OF THE INCOME TAX ARE BEING DELAYED IN AMERICA. THIS COMPANY CAN'T EVEN KEEP UP WITH MONEY NEWS. If america can't get their taxes why can't this company give us 8-12 weeks to pay our car notes. American credit acceptance is a horrible company. Don't lend with them, also sold me a car without a functioning radio and dents everywhere. I'M so over them robbing our poor citizens. Well when they pick up the car and I get my tax return I'M going to get me a tote your note brand new car with no issues. They don't care about customers or issues with a dealership selling a bad car without a radio. I'M not wasting another $1 with this company.

This company has no contact whatsoever if it isn’t by phone. You have absolutely no access online or in writing for your account. You MUST call them directly and only during extremely limited hours. They constantly call multiple times a day and even if you are only a day or two past your due date they threaten to send letters to your employer for garnishment and repossess your car. I have extremely poor credit and was forced to use them when I had no choice. The cars price was $5000. They insisted the car dealership increase price by $3000 so they got their required portion of profit. So instead of payments of $150 I am paying $260 and they constantly want to know why I have problems making payments.

This company stole three payments from me and still repoed the vehicle and then swindled me out of an additional 620.00 and they still have the vehicle. The people that they have answering the phones that call you all everyday are rude and unhelpful. They talk to you like they own you and have no intention of helping. They will lie to you and just keep on calling you. I won't answer any of their calls. I'm going to Small Claims court on them today and suing for all my money and my personal property lost and the title to the van.

I purchased a 9,000.00 car. Paid on it for 5 years. Went to pay it off and they stole 3500.00 dollars more before they would say it was plain paid off... 22000.00 is what I ended up paying and now they report me as bad credit.

I purchased a vehicle from cac for 16,615.00. I owe 4,620.00, I tried paying them off with my credit card. They tell me they do not accept credit cards, in this day and time who doesn't accept credit cards?? Their customer service is terrible, they have a very smart mouth, rude, unprofessional.

I am considering bankruptcy because of Credit Acceptance. I can not afford the harassment and scare tactics that they submit their clients to. I admit I was behind on a payment or two but I got caught up. The transmission went out on my truck which cost 2600. I was trying to make garage payments and truck payments. Credit Acceptance claimed my truck and ensured me we could work something out. Well something out is payment huge payments 600+payments every week or every two weeks or they threaten and have disabled my truck making it hard to work or pay other bills.

My wife and I took a loan on a 2004 silverado. In as a few months winter came in. The 4x4 doesn't work. The body has rust issues and now 8 months later I am surrendering it. They claim I will still owe them a difference from the auction. I specifically told them no I would not. I will use a lawyer if need be. Thieves that's what they are. I will sue the company I got the truck from as well.

Let me start out by saying like many others who have fallen victim to this disgusting excuse of a company, I didn't have the best credit and was put in a situation where I had to take what I could get. Not to mention, I had never bought a car before and had no clue what I should have been looking for (and I now realize how the salesman used that to his advantage).

I had a job loss and lack of income. I had asked to please help in some way so I would continue to have positive credit. I got no where and said I just had to pay. Reps were very rude almost bully like and the calls never stop. I wish I would have never had to have them as a financier.

I have not worked at CAC for a few years now. I worked for this company for over 5 yrs and did not like how things were done. Customers were just a number and not a human being. Their hardships did not matter. I was a top collector when working in front end collections due to I treat people how I would want to be treated. Our calls would be recorded and I would get in trouble for calling my customers hun, dear, sweetheart etc... I was being too personal with the customers. I was top collector for that reason. I have a heart and knew what it was like to have hard times.

I bought a car through them in 2013. My husband had cancer and I was really struggling. I called every time and made adage to make my payment. When he passed away in May of 2013 I called and told them I could not afford to keep the car with all the other bills I had and I was out of work too. They came and got the car and I never heard from them again until February 2014 when my bank notified me there was a hold on my bank account from Credit Acceptance for over 10 thousand dollars and my only income is 1000 a month disability. It barely pays my bills and now they are taking all of it except 430 a month. Shouldn't they have notified me before doing this? I am going to see a bankruptcy lawyer next week. I can't live on 430 a month. Don't deal with them at all! They charged way too much on the loans and then want to screw you in the end. Just saying.

I've been with this company for 2-3 months, and a week before my car payment is due, they call me every single day for a week, 3 times a day every day, and they do not want to hear anything you have to say. They just start badgering me right off the bat, and the supervisor does the same. I'm not late on any payments. It's terrible. I'm doing what I'm supposed to be doing, and yet they treat me like I'm a criminal. I mean, shame on them...but what can I do to stop all the harassing phone calls? It's nerve-racking. What can I do to stop it? They're terrible, and don't care what they say or do. It's a company, not JAIL!!!

So I purchase a vehicle through this nasty company in 2014. At the ending of the year - transmission & electric problems. Took it to the dealers for repairs. They kept it for a month - I notified the company. Still made my payment for Dec 2014. In February 16th 2015 I called Credit Acceptance from another dealership to get the payoff amount. Their rep was very rude. I informed him that I'm trading in the vehicle. So the dealership and I came to an agreement. It was late around 9 pm - the dealership was closing so allowed my wife and I to leave with the new vehicle and come back the next day to finish the paperwork which we did.

I am on auto-pay but had to close my account due to fraud. I started a new account and signed on to Auto-pay with that account. Immediately they debited my account, which was returned. The vehicle was disabled so I paid with my credit card that same day using WU to pay online. Subsequently, my husband talked to them and all was well. The vehicle was enabled.

Today, Feb 9 2015, my car was repossessed while I was working. I came out to the parking lot to find my car missing and no one knew who even took my car. I had to call the local police to find out that my car was repossessed. I was never notified that my car note was in default, never received any calls or anything in the mail. I even asked for verification of my phone number on file and for numbers that they would call from and I looked through my call log (while on the phone) and NONE of the numbers were there. My note was setup for automatic payments and since my account was in a perpetual negative state and my bank statements always showed multiple transaction fees from CAC.

They charge you double of what the car is worth 20/percent so my car was 16.000.00 and that has double so I am paying 29.000.00 on a 2011 and these payments are hell. It should be a law that stops this kind of **. I will be contacting Elizabeth Warren on this, and congress but you know there might be a few congressmen with their hand in the cookie jar so I am stuck paying on a car that was not really worth it. But these car dealers get you caught up for 5/6 years and they are selling car and finding these bad ass loan companies.

I am very upset, please don't deal with Credit Acceptance. I purchased a car from a bad dealership that after looking them up, have several complaints against them and I'm not sure why Credit Acceptance would deal with someone with a bad name. I purchased the car on November 8, 2014, I went 28 days later to find out that the car wasn't in the dealership's name by the DMV. They told me that I couldn't drive the car, I couldn't insure it and if I got pulled over in the car that I could go to jail for not having proper registration. So I contact the dealership and got a line of crap about they had switched owners. I called Credit Acceptance and they were great at first. They tried to get the dealership to produce title and they didn't so they voided the contract with me and said that they would send the payment that I had made on the car back to me with a letter stating that I didn't owe anything on the car with them.

I received a loan from CA. The car was $12,000. I put down $5,000, thinking this would lower my loan to $8,000 or $9000. I doubled my monthly payment to pay off the car loan early because I was grateful a bank would give me a loan with my bad credit. However, when I inquired about the balance of my loan, I was horrified to find out they added 6,000 to my loan as a finance fee. Now I have a balance of $14,080 to repay. This is the balance after doubling my payments. I cannot understand why a bank has to take advantage of people who are trying to redeem themselves. Is this legal? I don't have $5000 to give away. I will be talking to a lawyer. I cannot except this robbery. I am sure they will be part of a class action lawsuit in the future.

I paid off a loan with this company 2 years ago. I go to get another car and find out that they have not reported to the credit bureaus. I called several times and they keep insisting that I need to dispute it with the credit bureaus. CAC insists that they reported it correctly. How on earth did ALL THREE credit bureaus miss this company's reports. They had their legal team review it, and Their response was that again, they have reported it correctly. I am SO tired of getting the runaround, but I know that all 3 major credit bureaus did not miss the same account. Furthermore, there is no way to initiate a dispute for an account that is not even on the report, and I am getting NOWHERE with CAC.

Where do I start? Now if you pay your car note on-time as agreed in the contract you shouldn't have any problems. I've never had a problem with this company until today - maybe a few rude customer service rep's here and there, but I've never missed a payment and I thought my loan was paid off during the holidays but I guess I was wrong. Now let's be honest with ourselves before we bad mouth this company, if you have a loan with Credit Acceptance that means you've really messed up in the past and couldn't receive a loan from a good company with low interest rates. This company offer loans at extremely high interest rates but if you were in my shoes and had no other choice and needed a vehicle, it was a blessing. I knew I had to pay my loan on-time for a year in order to have it refinanced.

MY husband and I purchased a van using credit acceptance almost 10 years ago, the van has been paid in full and they will not give us the title to it. I have called the rude company many times and each time I get a different answer. One rep told me she would send out the paper work for me to go and get the title then another rep told me that we still owed 800.00 on the van. It has been 10 years, if we owed any money to them and didn’t pay they would of come and repo it which they never did. I told them if we owed money to please send me out paper work showing we do and once again nothing so I told them in another call to please come and get the thing we don't want it anymore and I was not paying them money that I don't owe. They set up a day and time to come pick it up and never showed up to claim it.

I purchased a car a little about a 1 1/2 yrs ago and was credit acceptance was my lender. We never missed a payment but was late a couple times due to some health issue which they noted down. Well needless to say they would call at least 5 to 7 times a day wanting their payment after I even told them what was going on. In Dec of 2014 I decided to purchase a different vehicle and trade this one in and so I personally contacted credit acceptance and so did the car lot for the pay off and they would be paying it off.

I had my 2003 Honda financed through Credit Acceptance Corp, I could no longer take the harassment from Credit acceptance so I returned the car back to Credit Acceptance. Even after I returned the car they continue calling me harassing me about paying for the car. When I had the car if I was one day late the company employees would call me consistently even on Sunday. How can I stop the harassment?

Hello. My goal is to write a FAIR review of my experience with Credit Acceptance. It's long. But anyone contemplating writing negative reviews, I wish you would read. I am 27 years old and I have absolutely horrible credit. Who do I blame? ME. Irresponsible choices I have made in the past got me where I am. No one made me do it. I just did.

My mother bought a vehicle two years ago. It was for a relative going through a nasty divorce. I stupidly signed to help her out. I was told it didn't mean anything since it was my mother's, and I didn't even have a licence. She got sick that year and passed away. I had the vehicle repossessed since I obviously didn't need it or could use or afford it. Now they're suing me. We have nothing and are losing the house as is. Greedy **.

I purchased a car way too expensive. My fault but they won't help me in any way. No extension of the contract. Then they repossessed the car and told me my balance was $623.00. I said, "Fine I’ll pay it." I paid now. They came up with another 800$ to my balance. I only missed two payments (11/14-12/14) of $380.00. How did they come up with the extra **? So ** mad. I took out a loan out to pay the $623.00. Now I'm broke and still no car. Single mom of two small children a few days before Christmas. I wasted $630.

I bought a GMC Envoy and got financing from CAC and was the worst company out there. They repoed my car and I paid to get it back and later got a call saying they were sending me a new set of papers that had to be signed and took to MVA and pay fees and re-establish ownership after I paid and redeemed it back. It broke down and was in the shop and the warranty company that they made me take would not cover repairs well in the covered items and as a result lost my job and car. They repoed from the mechanics shop pretty grime that they do not work with their customers that keep them in business. Never got refunded for my remained warranty and never had my legal ownership of vehicle after I redeemed it back - they violated my rights. Stay clear of them.

Sooo I have a 2008 Honda Accord. My mom put the car in her name because I was in between jobs at the time. Got the car in March and the first month I started having problems with them. They are rude and very unprofessional. I've had my car for 9 months and it's been disabled at least 4 times. The last time it was for 46 dollars. I was an AU on the account and I called to speak w/ an agent to see what was going on and I stated I was my mom. This rude long neck a** man gonna say, "I know you’re not (inserts mother’s name).” I said, “How the hell do you know?!?” He says, "You don't sound like a 50+ year old woman." WTF?!? I flashed out on him so quick. He then transferred me without telling me.

At the time of purchasing my vehicle, I was told the total price of payoff which I always ask when dealing with any lender because I deal in cash amounts, that way I can see the ends and outs of my money as I go along, and was told $11,000 which was reasonable for me and the vehicle was a much needed necessity at the time. But after a year of my phone ringing all day long with threats and broken telephone arrangements, I advise anyone to stay away from this outside lender. They recently had my car repossessed and on said date was that I owed $5,000 more on the vehicle which would have been fine but over a three-day time, I've heard three different balances for the payoff. The last was $18,000 which caused me to say the heck with them. Got to be careful of who you do business. Lesson learned....

To my surprise they don't issue monthly billing statements. Customer Reps when you call will only give you THEIR version of what your balance is or what you have paid in. My concern is this LEGAL?

I had received a loan on a 2002 Monte Carlo from Credit Acceptance in early 2006. I had lost my job in Nov. 2008. My car payments had been made on time until the time I was laid off. I called the company and explained that I had started a new job and it would be 3 weeks until I could make the next payment. 8 days later a tow truck arrived at my home to tow the car away. Again I called the company and I was told I was now 2 months behind. I explained that I was only 10 days late and was told that I was lying. I was not even sent a letter, but I was taken to court and a judgment made against me by district court for the amount of $2800. I was not told a court date and did not have a chance to plead my case.

I financed a car with this company. They are very rude. Customer service reps are rude and lie. They never document your account with the current information. They don't care where they disable your vehicle at, they don't care where they repo your car from. I was left stranded miles from home. Car was shut off on the bad side of town. This finance company needs a crash course in customer service. Never finance a car with company. They have absolutely no respect for their customers.

I was laid off from work and could no longer afford to make payments on my car. I put it up for sale for the payoff of $5200. The first person to look at the car wanted to buy it. I called Credit Acceptance to pay off my loan. They made it so difficult to send the pay off to them that it was impossible for the new buyers to purchase the car. It is my impression they did not want me to pay the car off. They could care less about my hardship. So instead of paying the car off and saving my credit and a lot of stress, I am stuck with a car that I cannot afford, will get behind on my payments, and the car will ultimately get repossessed. This company has no managers, unprofessional supervisors, and some of the rudest representatives I have ever dealt with. I would not recommend this so called lending company to anyone.

I've been dealing with Credit Acceptance for 3 years. I've been late on a few payments (lost job & medical issues) and everyone I have ever spoken with was kind and threw me bones, so to speak. With that said, I've never been 30 days past my due date. If your car has been repossessed or turned off because you were 30 days past your due date, what else would you expect?

This is by far the worst loan company to deal with. I have never been talked down to so unfairly in my life. I have had my vehicle since last October and I made the decision today to start making double payments on my truck, just so that I can get rid of it and get another vehicle through a different loan company. This company's website says "makes dreams happen." I totally disagree. A dream doesn't ever come with hardship and disrespect. I hope this company gets enough complaints that it gets shut down. I also hope they make the employees working for this company start saying their names because had I known a few of the names, I would have reported them.

Credit Acceptance calls us all the time making threats that they can take our cheap for 1 day late on our payments. I have explained to them several times that I lost my job. I went back to school with a grand from PA CareerLink, graduated from truck driving school. I do start a job December 8th but they don't want to hear that. They just want to harass you and make threats that we will notify your local police department and have them come with the towing company for your vehicle to be removed from your property. I'm so tired of threats being made to me by this company. If there is a class action lawsuit against this coming I want in. Please help.

October 24, 2014 I had contacted Credit Acceptance to explain to them that I could no longer afford to make car payments due to a drastic income reduction, so I would like to voluntarily surrender my truck. The representative put all the required info into the computer and informed me that a towing company would contact me to set up a time to come and get the truck within 24 hours. I was contacted by towing company the following day and pickup was arranged for Sunday, October 26,2014. I was contacted by CA two days later asking who, what, when, where and how about my voluntary surrender. The day after that, a call asking do I want it back and could I find someone to take over the payments. Then every other day of harassing me about getting it back followed by a letter. Along with the calls it was constantly repeated that I would be responsible for the remaining balance after they auction the truck, which I explained to the representative on day one that I was completely aware of that process.

I'm late on my payment by 200.00 and they shut my car down. They didn't even call me to say they was shutting it off. I haven't heard from them in 5 months now. I have no way to get to work or take my kid to school and when I called them they was very nasty about it. My payments is 402.00 a month and I have other bills to pay also. I will never go with them again.

I have been with credit acceptance for about 4 years and my experience has very bad. I bought a 05 impala and it's just been a down hill with them. I was late one time with my payment, they DID not call or sent anything in the mail letting me know about my payment. They just up and turn my car off.....I call to see what was going on, they give me the I don't care statement when I tried to make things right. I will never deal with credit acceptance.

I have been making my payments every month, when the payment is due. The payment book they sent me says and I quote $313.90 due 01-14 or $329.60 due 11-14 of each month. They keep telling me the payment is due by the 1st of the month period!!! When I tell them I'm going by what the dates in their payment book, they tell me I am wrong and the payment is due on the 1st of the month. They DON'T even know what their own dates are in the payment book. They are RUDE when they call my wife or when they call me 3 or 4 times a day. I live in Florida and I told them that this is Harassment. They tell me "NO it's not and I don't know what I'm talking about.".

I am just amazed that a company of this size would be so slack, They obviously do not check references or at least see if the person had a valid drivers license. I know several people who were able to get a vehicle thru Credit Acceptance with no valid drivers license or suspended license, and DWI CONVICTION. I guess it doesn't matter long as they are getting paid and their dealers are a joke to say the least.

I had a four year note. Within a year and half my trailblazer was totaled. It took the insurance company a month to total loss vehicle. I was completely current on all payments. I didn't make the payment for the month that it took the insurance company to total the vehicle, knowing I had it covered through total loss amount from my insurance company, and the GAP insurance I purchased at the time of sale. Finally, after the claim was total loss, they called me stating I still owed $185 that their GAP insurance I purchased didn't cover, and they stated the month it sat waiting on the insurance claim, even though my payments were up to date that I still needed to pay. I even called when it was totaled to let them know, and was waiting on insurance company. All they wanted to know is if I would like to make another payment that day for the following month. Completely nuts!!! They called once, I told them I wanted proof that I still owed more, and they never called again!!

I recently checked my credit karma account and Credit Acceptance had reported me 30 days past due. I was never late. I called the company and it was discovered I was paying the wrong amount for an entire year, yet always on time and usually early. This company never informed of same. And I racked up late fees for the whole year. Also never informed. They state if I'm even a day late I would receive an automated call. Again I was never late. I was using this company because I had bad credit and was faithful with payments in order to better my credit.

I don't care how badly you need a vehicle, do not finance with credit acceptance under any circumstances!!!!!! I was at work and I received a phone call from credit acceptance, stating that my vehicle had been disabled and that it would be repossessed within 24 hours. I couldn't understand this due to the fact that I paid them 3000.00 several months ago and I had not spoken with them since. The rep was very rude and unhelpful, and told me unless I paid them 1000.00 today that they would be along directly to pick up my vehicle. I hadn't talk to them in several months. NO warning not even a phone call or correspondence to ask for payment. My finance amount was 11,000, I paid 1,800.00 down and I have paid 58 payments (at least 2 times the loan amount). There has to be something that can be done about these people.

I currently have had a loan with credit acceptance since July 2012. My credit was at a 541 credit score. I seen a pearl white 2006 cadillac dts luxury 2. The car had 97,000 miles. I fell in love with it remembering that in 2000 I had a 96 white Cadillac Deville. The car was selling for $9999. Credit Acceptance was the only company that accepted me. They ask how much would I put down. I said $2000, they came back and said $3500, I said I only have $3100, any more I will take my risk at auction. They gladly accepted this. They came back a few hours later and said I need a co signer. I just then realized my dreams were crushed.

Now I am Worried. I bought the car from Apex in Centereach NY. I put down 750.00. Less than 24 hours later I have a problem with the car. The window will not go down. So they fixed it. I am not even sure if the extended warranty that was added on will cover anything at this point. Now 4 days later this Credit Acceptance Corp is calling my home. The car was 4995.00 and I found out later I was charged 5500.00. This whole thing is turning into a nightmare.

I have been paying for a '03 Altima since 2012. The car has given mechanical issues off and on the entire time. I recently found out that I have an upside down in the loan which means I am paying more than the car is worth. I have paid over $7,000. I have basically been charged 5X more than the car is worth. I don't know what type of laws or government would approve of this type of business! Anyway last night they repossessed the car for $671.00! After all the money I paid which is already more than the car is worth! I lost all that money and now have no car and I had a little over a year left of payments!

I bought a car and was told I couldn't pay on principal I was paying for early pay off. I informed them at the time I purchased my car I did not want insurance (warranty). They claimed it was taken off but the notes stated the same. I got a renewal notice. Why are they getting away with these practices. I got 27 calls in one month payment due on 1st. They call on the 3rd. Borrowers beware. Bad news.

Hi, I would like to start by saying I have never been treated so bad by a collection agency and or company in my life. I have anxiety and I must say after the collection phone call I received this am from Susan and Monica. I think I'm about to have a panic attack. Yes I have an outstanding loan with Credit Acceptance due to me co-signing with someone who has not been making the agreed upon payments that I was not aware of. Prior to their call, I called yesterday (10/06/14) to check on the status of the account - well this am 10/07/14. Susan was so very rude and disrespectful. I asked to speak with a Manager or Supervisor. Well, Monica didn't make it any better. She was pre-advised from Susan about what I wanted to speak to her about which Susan had no damn Idea of what I wanted to say or what I was going to say. So Monica gets on the line already with a defense to back Susan up. Yes I get I have an outstanding balance that will continue to be collected.

My experience has been pretty much bad the whole loan. Inconsistencies abound. One day you are told one thing then the next it changes with a drop of a dime. I know other people that have had dealings with them and have heard nothing really good about them. Be very careful cause if you are making weekly payments because that works out easier for you then cool but even when you payments are more than the monthly payment amount they will shut off your car if you are even a little bit past due. Basically don't take the chance. It's not worth the headaches. Avoid at all costs!

On September 22nd I had woken up to find that my car was dragged out of my driveway. When I called the loan company they stated I had no balance due... I then called Carddis the tow company that works with the loan company to find out that my car had been repossessed. For what.... no payment due and no back owed payments.... When calling CAC back they then stated that I was past due 1600. How can I go from not owing anything to owing 1600 in a matter of 20 min....? Not to mention all my belongings that were in the vehicle are now 3 hours away from me.

My daughter had gone through this company to finance a car, and she has had NOTHING but problems with this "so called" company. They are basically "Loan Sharks", which I thought was Illegal. They have customer service reps that are rude and unknowable. I could go on and on at the astounding horrible service that we get when trying to get to the bottom of a monthly problem w/ this company. My daughter has gotten her car towed 2xs for being 1 day late and just recently for an error on the company's end. When she called for her payoff it was $5,000.00 more than what she "thought" she had borrowed. I thought there were laws against companies like this?

So I have been late with my payments but I do make small payments. It seems like that doesn't work! So they have been calling my mother's number from morning till like 10pm! Call my phone, unknown cause I always hang up on them cause they don't know how to talk to people. So I accidentally picked up while I was at work and decided to stay on the phone. Guy starts asking me all these personal questions why are my payments late. Can I go borrow money from others? Like how stupid do they sound really?

OK I canceled my extended warranty. I talk to a customer service rep. and she told me the money from canceling will pay you months payment. So on Sept 6 I owed $300.00. On Sept 9th my payment came due so on Sept 12th the money from canceling paid what I owed. Today is Sept 16th and the repo guy came and took my truck. I called when the repo guy came and talked to a cust. ser. rep and they said I owe nothing. Then they told the repo guy sorry they made a boo boo. Then the guy was turning around and came back because they said I owe the $800.00 past due, then they took my truck. Now I owe $1000,00. Wtf is wrong with these people? They suck. If you finance through them they will ** you in the end. Who do I talk to? They would not give me to a supervisor. I don't know what to do..........

Ha, CAC is nothing but a joke! Call me days before my payment is even due and so rude. I will be contacting a lawyer Monday morning to screw this company for harassing me 7 days a week. Sweet revenge for these loan sharks. DO NOT DEAL WITH THEM! Notice they are not recognized by the BBB. Cuz they are BUMS.

When we got our car we had to have a warranty with it to guarantee any major work would not interfere with making payments. We had our car about 21 months now and have only put 10,000 miles on it. The engine broke inside. Bill is $4300 warranty only paying $2300. HOW DO THEY EXPECT US TO PAY $2000 CASH TO GET OUR CAR BACK? Credit Acceptance told me on the phone yesterday, "IT'S NOT OUR PROBLEM"!!! Great company to help the customer.

I bought a Jeep from a local dealership and just about the 30 day mark my Jeep started stalling for no reason but they found nothing wrong with it after all kinds of tests. I am now wondering if it's the GPS tracker device causing the problems. I love how the device was never disclosed when we purchased the Jeep!!!! Fed up dealing with a junker and CAC!!!!

I purchased a car and used credit acceptance because my income did not show sufficient for a second car loan. Yes the interest is high. Yes you'll be paying close to double your finance amount when you're done paying your loan. That is the same with any finance company if you have a high interest rate. CAC offers flexible weekly, bi weekly or monthly payments. I have mind set up for weekly withdrawals on a certain day. I never hear from them. I've dealt with them once because I gave them a wrong account number. The gentleman I spoke to was very polite and helped me with my issue. If you need a car loan and intend to pay on time, I highly recommend CAC.

They had the nerve to call me and not speak when I answered the phone. So I called the number back to find out what their problem was. The man (if that is what you want to call him) told me I was lying and had not paid my bill. Now you know that had to set me off. He wanted a confirmation number. I told him I was driving because I was driving home from work. So he told me because I was unable to give him the number I was lying. So I told him I was tired of his rude ** and to put his supervisor on the phone. Well obviously she is just as ** ignorant as he was.

CAC has to be the worst loan, crooked, money sucking company there is. They do not follow their agreements and change from month to month making it impossible for the customer to keep up with payments. They harass and are rude and nasty on the phone. Today was so bad that I was having chest pain and nearly had an anxiety attack. I had to hang up on the guy just so I could give myself time to calm down before I became sick. I would never ever ever recommend this company. If you can't get a loan any other way, then I would prefer to go without. I have never been treated so horrid before in my life.

I have been financing a car from them at a 24.99% finance charge for 2 years. The original price of the car is 9000. After financing the price went up to 16000. The car was stolen. I have been paying on the car for 2 years at 321 a month which equals to the 9000. It was originally financed for 4 years but the car was stolen. After talking to them I still owe 6000 dollars. After I have paid 9000 for the 2 years I have had it. So they are taking the insurance check of 6000 and they say I still owe them 600 dollars. It's because the interest rate doesn't stay the same. This is bull!! How is it the exact payout of the car the same as the book value of the car. They are rude and I will never in life deal with them again or recommend anyone.

The credit acceptance corp has to be the worst and unfair, money sucking thieves I've ever seen. I cannot believe I'm paying 30,000 for a 12,000 car. Never get involved with these people. They will find every and any reason to get your money. These people are pretty sick.

First off, let me say that I do not have bad credit. I just didn't have any car credit. I have always bought my cars outright with cash. I need to be able to help my daughter and son get a car when the time comes so a local dealership financed me through this company. I have to keep the loan for two years so that it is reporting on my credit before I pay it off. I'm almost at the two-year mark and I couldn't be happier. There have been months where I paid ahead and there have been some summer months where I have been a day to a week late. These Customer Service Reps start calling you ONE day after the due date. They don't call once. They called 5 times on Sunday, 10 times on Monday, 6 times on Tuesday. I'm not even late enough to get the late charge yet! That's harassment.

Horrible customer service! They informed me 3 months after the fact, that I owed 3 late fees and 2 partial payments. I was told so many different things, all of which turned out to be not true! They turned off my car when I was with my 12 year old nephew and 15 year old niece! There's no email, they do nothing! I asked if I could pay half of the payment each month, they set me up for that 3 months ago! Now, in July, I'm getting charge 3 late fees plus the other 2 halves of the normal payment! Can't wait to get rid of this car and them!!!

I've read a lot of complaints about CAC. I can't believe how many of you are complaining. 1st of all, you set payment arrangements up before you signed the agreement. You didn't like the arrangements, you shouldn't of signed. Before you signed the contract, I'm sure all of you were told how much the interest rate would be before you signed. If you did not agree to the interest rate, you should of never had signed the contract.

Due to a less than favorable credit, I purchased a car from a local car dealership and was financed through Credit Acceptance. From the very beginning, I have never received anything but degrading customer service and have been treated like a second-class citizen. I would NEVER get another ANYTHING financed by them and I am hoping to give my car back to them and start over. I believe the struggle of starting over will be less mentally straining than dealing with them.

May 10th 2014 my Jeep Grand Cherokee got repossessed. Payment was due on the 6th of May. And to be honest, I believe they said I owed $197.00 in late fees. At this point, I am 32 months into my loan. They came, got the vehicle on a Friday night with all of my work equipment inside. Of course, you can't resolve this situation until Monday. Anyway, I pay the $800 it cost me with all of the ** fees, and got my truck back. Of course I call customer service, and all they can say is we can repossess your vehicle when you're one day late. Really? That should be illegal, straight up!

Let me start by saying that this Company if that's what you call them are the worse. We bought a car and my husband lost his job and I also lost my job, moved from Florida to new jersey. We called them to let them know they can take the car back because we could not afford to make payments and keep the car. They took the car and sold the car for more money than we bought it for. MY husband had filed for bankruptcy and it was done June 2014 and they waited until that bankruptcy was done to start to garnish the checks. NOW 5 years later, we don't make a lot money. We live paycheck to paycheck and have 4 kids to take care of. MY mother who had a car, brand new car from a legit dealer Ford, could not keep the new car she just had just bought, they never bothered with her again after they took the car.

I am responsible for being late on my payments for my vehicle, but Credit Acceptance not only repossessed my car, then had me travel 3 states to get my valuables. They came at 4 am with no warning and took my car to a lot the next town over, then took my plates and everything else to the border of New York, almost 4 hours from my home. I immediately paid my past due payments and $300 in fees, only to be told I have another $130 in fees but I get to pay those over my next two payments (lucky me). I want my car paid off ASAP and be done this disgusting company! I know the late payments are fully my fault (my husband has not had work and I'm in college) but to take my stuff across 3 states?! Seriously?!

I bought my car in Ohio. Never got plate for PA. I told them I wasn't paying for a car I didn't own and couldn't drive. The legal department said that with all I went thru they’d make those 7 payments. I thought wow, that’s really nice. Well I ran my credit report guess what? I found out that my car is listed as a repo. How can that be, it’s in my driveway - this was May 17 when it was suppose to be taken. Can someone tell me how can this be? My question is if my car was taken, should I still make payments? I’m really confused here.

In 1995 I had a loan through them, I lost my job and I told them to come and get the car - I couldn't afford the payments. This was a $4000.00 car and I had only had it a few months! I just received a letter from an attorney saying they are suing me for the balance of this loan which is now $21,127.20! I think I need to call my own lawyer... It's been almost 20 yrs since they took the car back!!

Do NOT use auto pay. I paid off the account; however, they kept taking out payments. I phoned and was told - you have to manually stop auto pay because I signed up for it. Didn't matter the account was paid in full. They took out 2 payments AFTER the account was paid off. I asked where in my contract it says I have to stop the auto pay AFTER the account has been paid off; they told me it doesn't say that. But since I signed up for it - I had to stop it on my own. PLUS, they don't even have e-mail option. I was going to email the information - but, can't even do that. How far behind times it that. Plus, should not give your SSN number. Kids today do not realize how easy it is to have a scanner to listen to people's phone calls seeing everything is 99% wireless, nowadays.

Come on guys let's not bash this company and take some personal responsibility. I Financed through CAC, used their auto pay and paid my loan off on time. Yes, they charged more for the car than it was worth, and yes they charged a high interest rate but look back at your previous history. Would you loan somebody with your history low rates? No, I didn't think so, so quit bagging this company. Don't get mad at the mirror. Get mad at the reflection, who didn't you pay to end up in this situation and pay your bills. You want low rates, pay your bill! Oh yeah I'm proud to announce that my three scores are now 722 Eq 768 Tu & 709 Ex and my new loan is through a credit union on a 2014 Camaro at 1.9% and since then I have purchased a 5-br home...

I paid my payment after not being able to get it done on the day it was due because I was at work. Went to go home after work and car had been cut off. I paid it June 13, 2014. On June 14, 2014 it was off again. I'm tired of dealing with this junk. My mom is sick. If I have to take her anywhere. I'm screwed. Will not recommend this place to anyone at all. I had recommended several people there but told them not to go there now.

So this is supposed to be a place to help people with credit issues. So I got a children's bedroom set and then was medically discharged from the military. So I feel behind but then caught it back up. So then the manager of one location was telling me one thing and putting something different in my notes on my account. So then after that they moved these accounts to a new site and a new manager is in charge. Well this month I am behind to an unfortunate circumstance of modifying my wallet with my debit card and everything in it...

Every time I call this company, they have no regard for people. I hate communicating with this agency! They are rude and very, very unprofessional!!!!!

I will only say this company is out of hand due to the over whelming interests rates they charge on loans to people who they approve that have credit problems. My credit score was good but The Car Store Dealership in Laurel Deleware took my info and in 3 to 5 min. called me back. After I gave the Sales Manager my info to get a loan, he said it was approved then through Credit acceptance inc. I was even more than honest to the Sales manager and let him know due to injuries I received prior to purchasing the truck which I did sell the truck to this dealership 10 days prior to getting it back, which they would only give me $3800.00 for it due to they claim it had a lot of mechanical repairs it needed and it did have some ding dents in it.

Credit Acceptance has been a low-class, hassle creditor from the start. They never sent me a single letter of correspondence that even acknowledged my loan from the start. I had to call several times before a payment book was sent. On holidays or long weekends, when my payment was a day or two past the due date (most give a 10-day grace period), I was bombarded by calls from various call centers asking about payment. I am now trying to pay off my balance but when I enter my info, I get transferred to a recording that says - goodbye - and hangs up. Regardless if I call during their business hours. What kind of lender acts this way?? I just want out of this loan!!!

I was at Hilltop Service Center to purchase a car Dec 2013 and I stress to the owner, Mr. Harban Bharaj, I was not interested in getting my credit pulled and he said they use income information to determined your approval. I gave him my personal information and a pre-approval letter came from the computer. I ask Mr. Bharaj how I was pre-approved for the vehicle without my credit being pulled. He said, "I didn't, the company Credit Acceptance pulls it." Hilltop Service Center and their alliance company Credit Acceptance is manipulating and get overs. No other standard dealerships want anything to do with Credit Acceptance car loans or the car dealerships cars their affiliated with!

This is by far the worst company I've ever dealt with!!! I was told because the representative didn't narrate an agreement of a $90.00 payment, I had to relinquish my vehicle. I would simply advise to ANYONE DO NOT USE THIS COMPANY!!!!!!!!!!!! Rude doesn't begin to explain! But Karma is a Beast!!!!!! !

On July 2013, I had purchased a Scion tC 2006 and my lender for my car is Credit Acceptance... One thing I must say about their corporation is that they are unprofessional and rude people. They have no customer service skills at all or compassion at all. There have been a couple of times that I had to pay my car late but because I was in the hospital and was out of work for a while or had to pay other bills that were due. The person that attended me over the phone had a attitude at first and then felt sorry which was pathetic to me... The interest rate for my car to me I find it too much to be 24%... If I can change with another lender company, I would be happy because dealing with these people is a nightmare. So if anyone can help with this would highly appreciate it so much.

My husband didn't have great credit, and he got financed through this company. Interest rate was 24%. We once sent in a payment, and when they didn't get it on time, they called the next day wondering where the payment was. ONE DAY and already calling and harassing him. He was forced to get a warranty for $1774 (which NEVER got used). The truck was $9995 and we put down 4 grand as a down payment. Total in paying for everything - $16,455. Not worth it, such a rip off.

Our car was towed because my husband didn't have a license on January 23, 2014. The Tow Company put a 30-day hold on the car. I told them that I would be picking the car up in 30 days. They gave me the amount I would have to bring in, $1600.00. The day before the car was to be released to me, Credit Acceptance picked it up and said we had abandoned the car. I told them that we were not allowed to pick it up until the 30 days and we had the money to do so. They said if we wanted our car back, we would have to pay $1800.00 plus $30.00 to get our belongings in the car released to us plus a $200.00 tow fee. We wanted our car and did not want anything to affect our credit so we paid. We got our car back that day, February 21, 2014, and now here we are in March, I get a call at work saying we owe another $733.05 for fees I was never told about. They are threatening to repo our car if we do not pay them. We have never been late on a payment and I couldn't understand where all the new repo fees were coming from. I had a hard time understanding the CSR; she had a very strong accent. She was rude and would not explain the fees to me. As much as I care about my credit, I think I'd rather have them take the car. They are thieves and liars. I have never been treated this way by any company ever.

No new car is worth dealing with this place. With the high finance charges no matter how much extra you pay you still can't get the balance down. I finally got my credit better and was able to trade the car in I had financed with Credit Acceptance. The new car dealer paid the loan off but CREDIT ACCEPTANCE still debited my bank account even though I had a zero balance owed to them. They are rip offs. I'd rather take the bus everyday than have a loan with Credit Acceptance.

The customer service people are horribly rude, disrespectful and truly make the car buying experience from credit acceptance painful. We have paid on time for over four years again on time every time. Our last payment is due I try to get a payoff amount from them and they tell me to pay over the amount I owe or they will repo it. My last payment! Really! I am not gonna pay more than I owe I say and this lady starts talking to me like I'm a piece of crap raising her voice telling me I better pay it or else, etc. I asked for a supervisor several times, she refused to transfer me I had to hang up. I paid over $5,700 just in interest to these people. I would walk before financing anything through these people. Buyer beware. Horrible company, outrageous interest fees, terrible customer service. Nobody should have to deal with this place.

August 20th, 2013, I traded in my 2010 Dodge Charger at Sabets Auto Sales in East Providence, RI for a 2010 Nissan Maxima financed by Credit Acceptance. Shortly after Sabets Auto Sales closed down very suddenly, taking with them my $940.00 I had given to register the car. So I was out $940 and left with a car I couldn't register since the title was missing. After 7 months of going back and forth with the bond company for Sabets Auto & Credit Acceptance on 03/19/14 at 2:14pm, I spoke to Pamela ** from the legal dept. at Credit Acceptance Corporation who proceeds to tell me I'm no longer responsible for paying the loan I have with them in these exact terms "My loan with Credit Acceptance has been 'written off' because of all the 'legalities' with the dealer and the issue with the car title and that I am no longer held responsible for the loan in the amount of $19,000"...

Purchased a 2003 car in April and in Feb the engine blew. Still made payments on time. They stuck me with a 2000.00 extended warranty (Wynn's Plus) the rip off too denied fixing the engine. Now I am out of a car and extra 2000.00. They claim this money will go to credit acceptance and I can not get it back. Off to small claims will try, dang it! Sad how these snakes creep into consumer pockets know the warranty will never be honored. This is against the law.

I went to credit acceptance after being turned down by every other lender in my area. Being only 18 and with no credit history, I guess this was to be expected. They approved me for a loan at 300 a month for 42 months. I ended up paying a lot for the car because of high interest but honestly at least I have a car. If your car is garbage it isn't the fault of credit acceptance, it is the dealer you bought your car from!! How is it credit acceptances fault if your car breaks and needs work? Are they mechanics? No, they are lenders and they loan money for your car. If you don't pay it gets repossessed that is how it works. Pay bills = no threatening phone calls! Bottom line - good company if you have poor credit. When I started my loan my credit was 639, now its 741 because it seriously helped my credit having the payment schedule.

Just to let you know I am also a single mom. I went to a car lot and saw a wonderful car in great shape. I walked through the door with a sizable down payment. Left the next day with that car, thanks to Credit Acceptance Corp. Have made 20 on time payments, always call in beginning of month with my promise to pay date. I make my payment on the promise to pay date. And I have never once had a phone call or anything from this company with any problems. When you buy a car, pay the bill on time and your life runs smoothly. Don't pay your bills and this is what you read on reviews, they suck, let's sue, let's get an attorney. BUT YOU DIDN'T PAY YOUR CAR PAYMENT on time. YOUR FAULT not theirs. Suffer the consequences.

I received a loan from this company for my car and at a very high interest rate. They say they are doing you a favor well they are not. I would rather have had no car than to take the interest rate they gave me which is 21%. There is absolutely no grace period so if you are 1 minute late with your payment they start harassing you calling every hour and telling you to borrow the money from relatives. They are like loan sharks. Do not borrow money from them they will come and break your legs and take your first born if you are late with the payments.

I bought the car for 7500 and interest brought to 10,000. I put new tires on it and had trans work done on it after about 4000 miles. I got a settlement and wanted to payoff, so I called them to get payoff amount and the woman I talked to said they could not take a payoff, so I waited until the monthly note was do and they called wanting payment and I asked for payoff again.

I will receive up to 6 calls a day from this company from different phone numbers and they have even gone as far as to call me from private numbers to unknown numbers. Today is no exception! I finally told them if they don't stop with the harassing phone calls that I will file a formal complaint with the BBB. I understand they want their money but when you are out of work and looking nonstop and have told them on several accounts of this I still get calls. I am very feed up with this Michigan state business.

I was 21 years old, financed my car through Credit Acceptance (because of NO credit) .... Long story short, I lost my job and the car. They sold it at an auction and received most of what the car was worth. They then attached my wages in 2001 and received money. I lost my job there because of them. 13 years later I have a bill from Credit Acceptance for $10,000. I ask for them to settle because I am so tired of them. They would not work with me AT ALL!!!! When I settled I offered them little more than half of the interest that they tacked on over the years. They told me okay, I ask them, again to take what I could come up with which was $4000.00 and be done. And they told me NO! They wanted the full amount.

This company is concerned with their profits only. I got stuck using them because the finance manager of the Honda dealership was too busy trying to use this company's credit software, he didn't have time to check with anyone else to try and get better deal. The listed price for my vehicle was $5950. This CAC bunch forces dealerships to reach certain percentages for profit so my financed amount actually jumped to $8000 not the $5950. I'm stuck because I needed a vehicle fast due to major repairs needed and no alternate transportation available. The sad thing is, now even if I could refinance later with another group or buy another vehicle later, this extra money balance will need to be transferred even though it wasn't part of original asking price...

I was scammed by Credit Acceptance. They are just a bunch of hoodlums with people’s identity info. Will send more juicy steamy info later after I talk to a lawyer.

I had an accident in my car back in January where an apartment gate closed in on my car. I have full coverage on my vehicle whereas I was out of 500 on deductible due to the apartment complex did not want to take responsibility for the gate closing in on it. I advised credit acceptance that I was go have to pay to get it out the shop. I advised that I would be late on my payment due to me having to make that 500 deductible and they advised me that I had 60 days before a repossession is set so I said ok and went head and got it out last week which left me Broke!!

After financing my first car with credit acceptance I completely ripped off. I have a 2004 grand prix and my car note is 330 a month which is too much for a car. I have to take to the shop every month, then when I signed for the car the total cost after interest was added was 14,000 and I have been paying car notes for almost six months now and I still have that same remaining balance on my account. Bottom line they rip off your money and then call you all hours of the day.

Credit Acceptance doesn't care what you say... They give you no time. If you are one day late on your payment the phone calls start. You can receive twenty calls a day... every time a different person. Then they threaten to to take your car. Its no 30 days or nothing. One day late and they want your vehicle. The harassing phone calls are uncalled for. There's been time I get calls at 10pm from them. Credit Acceptance has no right to threaten people. They say they can do that. They're not like regular creditors. Also they drop your credit, they keep checking it and your points go down. How is that helping my credit... Beware to expect harassing calls from Credit Acceptance and threatening calls if you're one day late... Very upset.

$317.39 Due on Jan. 23rd. $322.39 if paid after Feb. 2nd (Sunday). Paid $ 325.00 Tue. Feb.4th Car Repo-ed Thur. Feb 6th (morning). Payment posted Thur. Feb 6th. (afternoon). I had to pay $325.85 for repo and $65.00 lot fee. This is My 3rd loan with these people, the first 2 were okay. This is how they treat a repeat customer, they Suck. I'm done.

I went through a bankruptcy, needed a car for work and was financed through Credit Acceptance. I was told my note would be 400.00 per month. When I got my payment book, it was 453.00. I think I was charged an interest rate over 23%. The car was 13,000. When I done paying for the car, I will end up paying almost 22,000 for a 2008 used car. They say they are helping you build your credit but they are ripping people off and as soon as you are late, they want to repo your car. Is there a cap on the amount of interest a company charge its customers? They have allowed me to make arrangements on my payments. I fell behind because I was off work for a while, that's the least they could do. I feel like they are taking advantage of their customers making them pay for cars twice. So far I have paid them (approx.) 16,300 and still owe over 5,000. I'm paying almost 9,000 in interest, wow!!!

I had to fix my brakes after putting 600.00 down on the vehicle and approved by Credit Accept. It took 1700 to fix my brakes and put tires on it. I had asked the company that sold me the vehicle to fix the brakes and they actually kept my vehicle for days stating they are fixing it. I got it back just like I left it and I was told that’s the way that particular vehicle is... those brakes are normal for that vehicle, although the brakes went all the way to the floor.

Due to bad credit, my husband and I had to use Credit Acceptance Corp when purchasing a used Impala. As we expected, it was high interest - 17% - but I guess that's the price you pay for bad credit. After paying on time for a year, we tried to refinance with our dealership, but had no luck as our credit hadn't improved enough and we owed more than the car was worth (because of the high interest). We kept the car, paid on time every month and saved up until we had enough to pay it off 6 months early.

If your credit is not acceptable and before you complete a deal at a car dealership for a used car make sure it is not with CAC. Their customer service is poor, the people who work for them are rude. They act like it is their money and you are trying to beat them out of something. Do not do business with this company. If a class action lawsuit is filed, I would like to participate in it. Dissatisfied in Houston. PS. If my bank refinances this loan, I'm gone. Wish me luck.

I have paid every payment except nor and kept charging interest up to $ 300.00 extra, didn't report none of my down payments or nothing. Shot my credit down that I have been trying to rebuild. The dealer went bankrupt and told us nothing of where they were going or how to take care of anything till 45 days later .

My husband and I are always on time with our payments except for one time and we had just saved enough money to pay it tomorrow but apparently that wasn't good enough for them. We offered to pay half today and the rest tomorrow but they wouldn't agree to that. They said they already sent out a notice to a repo company and it was too late. It's one month!! One stinking month and we are always on time!! What is wrong with these people?!?! I have a job that requires me to travel and I have two children (one has an unstable condition) and I can't have my vehicle taken. I am the only person in my household that earns a living. I am tired of companies like this screwing people over! We are going to find a lawyer and put this company out of business because I know for a fact we aren't the only ones who have had this problem.

DO NOT EVER GET A LOAN THROUGH THIS PLACE!!! I cannot even call it a real company. These people DESERVE to be put out of business. I will be MORE THAN HAPPY to be involved in a Class Action Lawsuit. Who the hell comes to your door, knocks on it after you are NOT EVEN 30 DAYS LATE on a Loan that is NOT EVEN IN YOUR NAME?????! You people SUCK. I can't wait to See YOU in COURT!!!!!

These people are pricks! They will worry the hell out of you and call you 100 times a day. You can pay them partial payment a day before and they still blow your phone up. They always convince you to do autopay so they could scam you out of more money. Don't ever finance through these clowns.

I HATE this ** Company... I got my Car in May of this year. They were to send me out a payment book. Myself and my husband keep calling them to see when our car note was due and they keep telling us we will know when they send out the book. Well 3 months have passed and still no payment book. Now we're still calling. So one morning getting ready to leave for work and Powwww, there is No Damn Car....They have come and got it.

I have had a great experience with CAC. I think most of the problem stems from the fact that most of the complaints are from bottom feeders who refuse to pay bills on time. The reason you needed CAC was because YOU OBVIOUSLY CAN'T PAY YOUR BILLS ON TIME OR AT ALL. You go into this deal with the knowledge the interest rate is high, you are a high risk buyer. If you buy a crappy car, it's not their fault you didn't spend the hour and $89 to have a mechanic do an independent inspection. All used car and even new ones are Caveat Emptor. What I see here about CAC has nothing to do with CAC. I am glad that after my wife and I had to declare a medical bankruptcy due to her contracting MRSA from a hospital and an unsuccessful malpractice suit and the Million dollar+ in bills, CAC was kind enough to give us a chance to rebuild our credit. Pay your damn bill on time, you won't have trouble.

Credit Acceptance is a company that rips off their customers. The interest rates are astronomical, and it seems you will never pay off the vehicle. They are ridiculous with calling several times a day on strange numbers. They are inconsiderate and cold. They always ask if you can borrow the money. If you borrow the money, you can't pay them because you have to pay back the person you borrowed it from. I will never recommend and never go with them again to get a loan. I am currently still in mine and I cannot wait to get finished!

Don't ever finance with this company. 12 days after my payment was due, they repossessed my vehicle. I know people who have went three months with oils paying and didn't have it repossessed. They are rude and nasty. I suggest no one ever go through them. They are a joke and I can't believe they're still in business.

I financed a car with Credit Acceptance in 02/2008; made my first payment 02/22 (4 days before the due date). The car was totaled on 3/4. My insurance company cut a check for the full balance, but it took them 3 weeks (a billing cycle to get the title). Credit Acceptance is showing I owe them $1500, five years later! I am unable to contact them. Their website is dead and their phones just keep repeating: "Please hold until...." and hang up after the 5th time. I keep contesting the report through the credit agencies but they keep responding that it's still due. Isn't that defamation of character?