Regional Acceptance Reviews

Everybody over there needs retraining or fired. They act as if the car note was loaned to you out their personal accounts. Customer services gets a big red F. Those ladies need a man in their life. Bitter asf and talk crazy to you. I have to hang up on they asses everyday. They call 10 times a day for a payment a day late. Simple loan you ask? A scam. I've had my car for 6 yrs and 24k. Shit still says 24 k owed.

Let me start with horrible customer service. Rudeness, hang ups, being put on hold till closing, because the customer is exhausted of having the same conversation over and over with no result. Username and password worked before, suddenly it doesn't recognize me, says call in. Every time I tried to call in to find out why I can't access my account, and update my information, the representative changed the wrong thing causing me more problems.

I was in a car accident in early March of this year. My car was a total loss. My insurance paid off the majority of the loan financed by RAC. Today, I get an email from RAC about their payment. I called them regarding the email. I ask about my GAP claim. I get put on hold for app 30 minutes before the rep came back on the line telling me the GAP claim is cancelled and blamed GAP. They would research what happened and get back with me. They didn’t. I called GAP and was told RAC cancelled my GAP claim 14 days after my car accident. I called RAC back and kept getting put on hold. GAP will reinstate my claim but I am highly pissed at RAC for canceling my GAP claim that will pay off their loan. I wouldn’t recommend these shady people to my worst enemy.

Worse company ever. I've had a loan for 10 years. Some reason for the last 4 years they say I owe 20 grand. But I've made every payment yet the balance has not changed. I'm so over this with them. Called a lawyer. We will see how that goes.

I’ve been a customer with Regional Acceptance since 2021, and I have nothing but positive remarks about their services.

I don't have the money in my bank account at the moment but I do have it on a credit card. But guess what? Regional Acceptance won't let you do a one time payment using a credit card 🤦‍♀️. But they sure will call and harass me for not paying them.

THIS HAS BEEN A 3-YR NIGHTMARE! Dealing with this company and its mishaps have cause me nothing but stress. I first knew that things were off when my payment was 500 plus dollars, but I was in a jam and needed a car like today, so I thought God had done his big one for me. The car lot was a name brand so I didn't think anything about but ok, I have to do what I to... I paid ever payment, never missed one payment. I got into an accident, car totaled however one thing about me is I cover my things down to the tire. So I had full coverage Progressive too, paid their portion. I had Gap and a extended warranty so there was and is no way I, the customer owes anything so I they kept giving the runaround having go through hell when I tell you hell just to get this paid off.

I have experienced repeated account reporting issues with Regional Acceptance regarding my auto loan. My scheduled monthly payment is $466.67, however the actual amount due for February 28, 2026 was $295.01, which was paid on that date. Despite the payment being made and posted, the account continues to reflect $466.67 due for the same date, which is incorrect. This type of discrepancy has happened multiple times throughout the life of the account, where the system shows incorrect balances, duplicate pending payments, or incorrect amounts due even after payments have been made. I have documentation showing the payment confirmations and account screenshots, yet the account still periodically reflects inaccurate information. This is very concerning because this loan is reported to credit bureaus, and inaccurate reporting could negatively impact my credit.

I had bought a 2018 Dodge Journey using a loan from Regional Acceptance. The car was a complete loss after tornadoes and hail ran through the area I live in. Like anyone else, I reported this to my insurance company and Regional Acceptance. Well, the insurance company paid 5860 dollars and some change to Regional Acceptance and for some ungodly reason, they sent a letter of lien release to the insurance company, which was notarized, and signed and dated by an agent of Regional Acceptance and the notary.

Spoke to a woman this morning from Regional Acceptance and I have to say she was the RUDEST person I’ve ever came in contact with. I will NEVER have any kind of car loan with this company ever again. The way the woman spoke on the phone was unprofessional, full of attitude, and unacceptable.