Regional Acceptance

I had my car voluntarily repossessed due to some financial issues during a divorce. Afterward, my account was forwarded to RGS Financial. This is the company RAC uses to do collections on their behalf. RAC does not sell the account to RGS, they simply use them to do the dirty work. RAC completely washes their hands of the account except to hold the debt. RGS collects, then forwards the payment to RAC. This is inconvenient, but it's whatever at this point. RAC uses a super subpar company to perform its collection activities. This company doesn't reflect single payments made on their website and you have to call for an updated balance. If you enter into a payment plan with RGS, they refuse to send you any written agreement stating that you are in that payment plan with them. This makes it extremely difficult to explain the debt and payment when getting a loan elsewhere. Both RAC and RGS are shady companies.

If you value GOOD customer service and REAL people, PLEASE DON'T bother with this company. They are terrible and from reading the other reviews I think it's safe to say, HEARTLESS. They received two car payments from me for the month in error and absolutely refused to credit the payment made in error back to my account. I think it's also safe to say, thieves! Reputation isn't important to them as long as they're taking your money.

This is by far the worst company! They constantly harass you even if you are late with a payment and have already set up one for a particular date. The staff is very rude and ignorant. Total ripoff company. Sounds like they work from a basement. Never deal with this company!!

My car was totaled on Dec 9, 2018. It was considered a total loss on Dec 28, 2018, my insurance company cut Regional Acceptance a check on January 8, 2019, for my loss. On Jan 23, they stated that they have not picked up their mail so they were not sure if the check was there. To be on the safe side my insurance stopped that check and cut them a check and sent it overnight on January 25. As of Feb 7 Regional Acceptance still, have not put in the system that they have received the check. Anytime my insurance company or I call Regional Acceptance they say that they have not been to the post office or received anything.

Due to low credit we had to use this company for our car. 2 years later after making $1000-$2000 payments to raise our credit score, I was involved in a hit and run accident that ended our car as a total loss. At the time, we were paid up through May 10, 2019. 4 months and 4 days ahead from the accident. When we called and requested our money back, the Regional rep Allison, states we would receive nothing back and should not have paid so much. Now we must sue them for our prepayments and tbh, ANGUISH. It is wrong and I am begging anyone who reads this to please, refinance or get out from under this scam. I wish we could have known beforehand. I had no idea it was a unaccredited institution and we knew interest was high due to credit, but I wish I’d have done more research. PLEASE PLEASE DO NOT USE THIS COMPANY. If you can’t get out of it, do not pay more than your payment!

I would give 0 if I could. Purchased a car in 2013 had ok credit but got a co-signer. Car was ** from dealer. Ok that’s fine. Regional charged me $16,000 or so in finance charges. Ok. 100% my fault for needing a car at the time to get back and forth to work so I did it. So 1 year goes by for paying on time. I go to refinance "Oh we don't do that". Ok so be it, continue to pay. Well lo and behold here we are 5+ years into paying $468 a month on a 72 month loan and I still owe $14,000+ after 5 years 4 months of payment. My loan matures in Aug of 2019 and I STILL owe $14,000+.

Violated Rema Laws and refuse to delete their account record. I am still addressing the predatory loan that I received from this company years after they have been paid off. If anyone has information regarding a class action versus Regional Acceptance Corporation please post it here.

After Regional Acceptance Corp purchased my vehicle loan from Brand Bank, they began to send me a pre-recorded message every morning at 8am. This proceeded for over two weeks after numerous time answering and going through the meaningless prompt. After this annoyance, they then have decided my auto-draft was set up for the wrong day and began charging late fees with no notification.

I have never had an issue with this company. I have been set up on automatic debit from day one and other than that there is no reason for them to call me about anything. They have been my loan servicer for almost 3 years. No complaints here. So sorry to read all the bad experiences some customers have had.

The staff are rude and unprofessional! They will call your home at 9:00 pm. You can make a payment and before the payment clears they are calling again. You can use their online payment and they continue to call. You can tell them when you are making a payment they still call you! Please, if you can’t have another company finance your vehicle! Please do! People fall on hard times but they don’t care.

I would not recommend Regional Acceptance to my enemy. They purchase my auto loan and missed 2 payments in the transition stating that my account is behind and past due when that is not the case!!! My credit has take a big hit with multiple late payments. Not to mention they called my employer looking to talk with an HR rep, they have the call recorded and would not give "Aaron" any information or transfer him to HR. My employer support called me to notify of this call stating that Regional would not state the purpose of the call and only gave me the caller name and number (which is my current account rep at Regional).

I would not recommend Regional Acceptance Corporation to no one. If I could give them zero stars I would. They are very nasty with customers. Very unprofessional. They don't care about their customers at all. They are trying to say I'm 3 months behind on my payment. Said I had to have 808.00 by the end of the month. I told them I can come up with 404 but not 808. Not happening cause I had 2 deaths in the family and prior to that I had surgery so dealing with all that I told them I could do more next month and the manager kept putting me on hold. Then I heard her tell, "It's hot in here. Put me back on hold" then yelled, "Is patty still here. Put me back on hold" then hung up on me. I'm about to call the Better Business Bureau on them because they are nasty with everyone and don't want to work with you.

I made a payment for Aug 24 2018 for $337, my payments is for $335 and some change a month. I was always taught to go a dollar over the amount so that way you'll be ahead. So I'd received a phone call last week stating that I was late on my September payment and now I own $358!!! I was like,"What how did that happen?!" Now the Customer Service rep was getting nasty and I was trying to explain that I always Screenshot my payments for times like this. she did want to hear it and me to get in contact with my bank!

Warning, don't deal with New Port Richey or Wesley Chapel Hyundai as being a customer directed me to Regional Acceptance Corp. due to factors that were beyond my control. I'm extremely dissatisfied with RAC. Please avoid RAC associated with BB&T Bank. Two Thumbs Down.

I got my car in 2014. My maturity date and my contract states my payments end in 1/2019. I did the math. I'll still owe 5500 after maturity date because I am in bankruptcy so no interest was paid on note and something about 4 extensions that no one ever said would extend my payment. I got behind but I had to get current to keep them from taking the car. I asked to get states sent to me showing what interests not paid and what I'm paying and was told no. If I had questions about my account call them and keep making payments for an extra year and a half. Is there anyone I can contact about this? It doesn't sound right.

Regional financed my truck back in 2013. It's a 2006 Ford F150. It is now 2018 and they are saying I still owe 8200! 5 years ago when the truck was financed, it was maybe 18 thousand something, I cant remember the exact number. And it was a 5 year loan. I would of never realized that it was due to be paid off this year if my dad hadn't of been a co signer those 5 years ago and informed me that it was supposed to be paid off by now. So I called Regional today to get an answer to why I still owe over 8 grand. The only thing the lady kept telling me was that it is from interest and late fees. Yes over the course of the 5 years they allowed me to move the payment to the end of the note during job change, and moving. But I kept asking her, tell me how in the world I still owe over 8000 and if it was due to be paid off this year, that don't make sense because 8 grand would be 3 more years of paying on it. Again, all she kept referring to was interest and late fees.

I purchased a car with them and I've had no issues with them. Due to a divorce I had to defer my payments for a month, the company was very helpful. The one time that I was late, it was my fault, and I had chosen the wrong date to pay online. The staff has been very helpful to me. They don't harass me at all. Yes my interest is high as hell, because I am a risk due to my credit. I plan on refinancing at the end of the year, but in the meantime they've been very understanding.

I appreciate the opportunity of having a vehicle financed based on my credit not too good but after paying my account on time for over a year I asked if they could lower the interest so more money can go towards the balance, less than half of my payment is going towards the balance and yes they are extremely rude. "We don't do that. You have to refinance through another company, have a nice day" and hung up. Well that won't be easy to do because my balance is still way too high, over half of what I'm paying is eaten up by the interest. Just saying unfortunately trying to do right and rebuild your credit with this company (Regional Acceptance Corporation) is NOT a good decision at all!!!

I battled DMV and Regional Acceptance Corporation for about 14 months. Regional kept telling me they would look into the issue and contact me back. I made 5 attempts in those 14 months. Trying to give them enough time each time to get back to me. Nothing every time. I ended up having issues driving my truck around risking to get a ticket because they wouldn’t help. DMV kept telling me when they took over my loan from another company, something must of been overlooked by them and not been signed.

I have never dealt with a company that was so incompetent, ill informed with non-professional employees. All I need is a copy of my title to get registration. They will not even get me that. I am thinking of reporting them to the Better Business Bureau. Never ever use this company as a means of financing a home or car or anything for that matter. They are very fraudulent and I am surprised they are in business.

I first encounter Regional Acceptance in 2010, when they approved a loan for a brand new Nissan Maxima with 6 miles on it. My credit wasn't very good so expected to pay a higher interest rate than normal. If your credit score isn't up in the high 700 your interest rate will be high, so I expected to have a high monthly payment and I did. There were several times I couldn't make my payment on time and I talked and made arrangements and paid it. I never had one late payment shown on my credit report not one, and I was late several times but made arrangements.

Unfortunately our son financed a truck with this horrible company without consulting us. Ten months later he sold the truck, but we spent over a month after the loan was paid off trying to get the title. The majority of people employed by this company are either total liars or complete idiots, because if we called 5 times with the same question, 5 employees gave us 5 completely different answers! Finding a person who even knew the procedure for paying off a loan was next to impossible, but we did finally manage to get that accomplished. Little did we know that getting the title would be a month long process of constant phone calls and run-around.

Paid off my vehicle. Then they stated about $6.57 left. Then call them for pay off letter. They stated still 1 cents on the loan on the backend that didn't display to my account. They told me that they sent it to pay off to be written off by manager. They told me to call in three days, called in 3 days. They told me it still wasn't done.

I am really tired of people bashing this company! Regional Acceptance is great for people who can not get their cars financed through the major companies. I have been with them ever since I purchased my very first car on 2014. I am never leaving them either. They have worked with me anytime I got in a situation. I've always made good on the payment arrangements. It is like this, if your credit is not great this company will do its best to finance your vehicle. Sure the interest rate is sky high, but it is what it is. That is the penalty paid for not having great credit.

OMG. Never get an auto loan from these guys, we got a loan back in 2014 and they charge you interest on the amount of the loan every day!!! And very little if any of your payment goes toward your principal balance. My soon to be ex husband had been paying on this truck or so I thought. But I guess he took out several actions that I wasnt aware of. Then in October he decided he couldn’t afford it anymore even though he told our son that he would continue to pay for it.

I was in an extremely bad accident on December 25th and as a result had to buy a new car. I had a great experience with the car buying process but that bliss ended when I spoke to Regional Acceptance. A "Monica" called me to go over details of the loan that had been approved and when the subject of auto insurance came up, I had questions. Monica indicated Regional Acceptance would only accept a 500 deductible on my policy. I, on pain killers and muscle relaxers as well as being in a very bad emotional state, questioned this requirement because I had a higher deductible than 500.00. I asked what would happen if someone had a higher deductible and she went on to say they would only accept 500. I asked what could be done because I could not afford the premium the insurance company was charging on a deductible that low.

This is kind of a 2-in-1 for both Regional and Keffer. I stopped in at Keffer Chrysler/Jeep/Dodge/Ram one March afternoon in 2014 just to look at what was on the lot. I had just put $70 worth of gas in my '05 Cherokee Laredo. Some young kid name Xavier comes out and starts smooth talking me. At this point, I was nearly up on my lease and was already approved to move to another apartment complex closer to work in Charlotte, NC, and I should have just gone home. However, I used to have 2000 Cavalier Z24 5 Speed manual and thought about getting a Dart. So I talked to Xavier, test drove one, liked it, and I had a decent credit score (low to mid 600's) and no money down, and they held my keys hostage (like all dealerships do). I was literally there for 8 hours.

Worst company ever, lost my husband and contacted them as he was a co-signer. Explained to them I could not afford the car and please come get it. The car still sits waiting to be picked up and in the meantime they are racking up all kinds of fees and interest. They threatened to garnish my wages if I do not pay them. Never, ever use this company no matter how desperate you are, you will be in debt for the rest of your life. Please tell me how this is legal and yes my debt is way over the cost of the car I paid on for a year.

I admit that they have deferred payments. 11 in fact as we ran into some medical issues and custody issues. However, they act like they are doing you this huge favor. When in reality the only reason I ever agreed was so they don't repo since it is my only transportation to work. I've made payments but like everyone else the balance doesn't budge. Explain to me someone please how your payoff balance is more than your principal. Paid sticker price of $12,900 on a Kia Sportage and now owe 17,897.85 to pay it off. Every payment that you make goes straight to interest... How the heck do you ever pay off a loan that is straight interest when they charge you $9.48 a day in interest. YOU DON'T. Stay away from this company no matter what. It is a scam and if there is a class action suit against them please tell me who to contact.

They caked me 10-15 times in one day. They were rude to me. Talking down to me where I started to cry. The principal is outrageous 16164.60 as of today. November 17th 2017. Please tell me how I can join this civil suit.