Regional Acceptance Reviews

I was speaking to this gal name Carol. The call was going good at first but then got impatient with me the first 2 minutes of the call. You would think the call center representative would be respectful. NOPE! NEVER heard of a call center have people with attitudes this bad. Thought they’d get fired, but the owner doesn’t seem to care.

The representative, I reached this morning was very impatient, unlike the representative spoke with last Wednesday. I understand we all have things going on in our personal lives; but reciprocate with the same energy you are receiving. Smh.

This company doesn't even deserve a 1 star review... Roughly 8 years ago I purchased a car for 18k with a monthly payment of $373.11... I have paid $400 a month religiously the entire time I've had my car and sometimes I paid more than that! In the last 3 years, I've been fighting Chevy over manufacturer defects in my 2016 chevy equinox. My engine has blown twice now and no mechanic will touch it at this point and chevy won't do anything to take responsibility even though they were just sued for hundreds of millions of dollars for the exact issue I've always had with my car... I called to see what my payoff was considering that I've been making $400+ payments every month.

In 2015 I purchased a vehicle through Regional Acceptance at 445.00 per month. I have had 12 extensions due to financial issues which they were very understanding. It should've extended my contact for a little over a year. Well now it is 2024 and they claim I still owe them 12,000??!! The car isn't even worth that much! I will be contacting a lawyer as I believe this company is practicing illegally.

This company is a damn rip-off, they couldn't find our account at first and have been taking payments faithfully, if we ever get done with this damn company, never again and I wouldn't recommend them to anyone.. DON'T DO BUSINESS WITH THIS COMPANY... THEY NEED TO BE REPORTED....

I’ve never had an issue with company until now. I recently switched from a tribal tag to a state tag, paid the extra fees. The title was sent to Regional Acceptance and they “tell” me since my daughter isn’t on the lien that she’s NOT allowed to be on the title. My daughter was in the title JUST in case something happens to me. Then they tried to tell me it was a state law. IF it was, which is NOT the tag office or the DMV would have said something to me when I got a state tag!!!! NOW I HAVE TO PAY AN EXTRA $400-$500 ALL BECAUSE THIS finance won’t allow my daughter to be on the title!!!

I absolutely cannot say enough good things about this company. I have had a auto loan with them since 2019. And well life has had its ups and downs. They have not only worked with me on my loan but every single person I have ever spoken to from this company has been so compassionate and understanding that life just happens. I tell all my friends about them and tell them if you're looking for a finance company fight to work with them. You guys are the best. I really can't say enough good things about you!!! Thank you!!! Crystal S. 2016 Chevy Silverado.

I bought a 2016 Chevy Malibu over 4 years ago for 15 thousand. I still owe close to 12 thousand on at 460 a month. They should be sued for what they charge. I understand it's for people with bad credit but it's ridiculous. I can't even get rid of it because I still owe more than what the car is worth. I would give a zero if I could.

This is the WORSE company I have ever financed with. Every single time you call a different representative tells you something different. Everybody has an attitude and the stupidvisors are even worse. Someone demanded I refinance my loan of a car that was a total loss before GAP could pay off their balance. 6 months later I keep getting late fees because I refuse to pay $300/month for a car I no longer have. I’ve advised I can pay less but keep getting told I’ve modified in the past (which I was told I had no choice) so I can’t do it again. Every time you ask to speak to a manager they are seemingly so busy no one is ever available, I guess they are busy in meetings talking about his to rip people off because they sure aren’t busy helping customers. I highly recommend to never use this company.

I was financed through Regional Bank for a vehicle I purchased in 2022. Not even a year and 7 months later had to voluntarily surrender it due to the vehicle being a lemon. Regional was aware of issues with the car with daily updates, how much I was investing all the way up to how much my payments were and again didn’t care, they left me no choice but to voluntarily to surrender the car with their rude and irresponsible tactics.

I had my 2015 Chevrolet Cruze LT since Oct 2016. Been paying on this car for 8 years!!! On 3/17/24, I called them and voluntarily surrender my vehicle because I just couldn’t afford it anymore and my car was down. They told me that it would be too expensive to come get the vehicle. They did not want it. I was told to do a bill of sales on the vehicle but I could not get the title to the vehicle until I pay off. My debt is now a 14039.27. It was 12161.52 for the longest. Now I have a lien on the vehicle and received a letter stating that my debt will be handled as a collection matter. I have receipts and documentations. Now what should I do! It’s time to call a lawyer.

There really should be a class action lawsuit on them because they're ripping people off. I've been paying on my car for over 5 years and the amount never went down. The car was in an accident and totaled out, and they don't refinance...but expect me to pay the entire car note which I'm definitely not doing. I will send them $5/month if need be because at this point, it doesn't matter because I don't have the vehicle. This company is a joke and need to be shut down.

I willfully surrender the vehicle in March of 2024. They refused to come get the vehicle until I had to call several times and go through Management in April of 2024. I have paperwork that the vehicle was being auctioned and we would owe the difference as of April 30th 2024. It is now July 5th of 2024 and I'm being hit with late payments on my credit report. Took me a very long time to get customer service just to find out that the car has not gone to auction. They cannot tell me where the car is and even if I pay the money that they say I owe them from April to July I will not get the vehicle back. Just doesn't seem fair to me. Just doesn't seem fair. Please run run. They're unethical and unfair.

I wish I could do 0 stars. This is the worst car loan company ever!!! They are a total rip off. The app worked fine for a long time and now I paid a big portion of my loan last month to do a double payment knowing I would be out of work this month and I even double checked the app the day of my payment to make sure. It said I owed nothing, now I’m getting calls nonstop with them telling me I’m 10 days late. Called to talk to them and it was one of the worst customer service experiences. I believe they do it on purpose to get more money/fees out of people. Stay away! Not worth it. I was in a pinch to get the car now I have 3 months left on the loan and can’t wait to get rid of them and never use this car company again.

Great customer service & always helpful and understanding about postponing payments during hardships. I see a lot of bad reviews about the amount never changing or slightly changing after so many years & I went through the same thing. 3 years I had my 2019 Kia optima with a total of 23k & totaled it owing 17k left. It’s all interest and if your credit isn’t that great going to buy a car that’s one of the things I’m learning & you have to understand, interest will be a lot higher. Be happy they even gave you a chance. Customer service has always been great to me & very polite, I would go through them again!

RAC is the worse company to get involved with. Their office is full of lies and wrong doing to the fullest. Do yourself a favor and choose anyone but RAC. The VP is of Truist bank and will deny anything you apply.

The worst company ever! Fees, fees, horrible reports! Balance never goes down! Rip off! I’m not sure how this company is still in business!! A severe lawsuit should be in place for all the underhand issues that come in to place with this company.

Literally what even is this company. I’ve only been with them a couple months and am already having HUGE issues with them. I was charged twice within a month then charged on the first of the following month. On the RAC app (it sucks by the way barely ever works) it’s showing that I’ve only paid $1,011.16. On my USAA bank account a total of $1,977.04 has been pushed through. That is almost one THOUSAND dollars that they are not taking accountability for. When you try to call it sends you to an automated voice message. There is no option to speak to an agent. But they can blow up your phone whenever they want but when it’s your turn to do the same you can’t. The people who’ve called me and I’ve spoken to are also genuinely so rude. I absolutely despise this company and advise anyone who’s thinking of getting a loan through them to run.

If I could give this company -1000 stars I would. This is by far the worst company I have ever did business with. I did a volunteer surrender and instead of placing it as that. They placed it as a regular repossession. The phone call I had with Rio or whoever this guy may be was completely rude to me on the phone. He claimed I abandoned the car and refused to hear anything else claiming he will make the decision whether or not he wants to go pick it up. I hope this guy gets terminated the way he spoke to me over the phone. Please never do business with this place EVER!

I have had this car for almost 5 -6 years and the interest rate NEVER goes down and I am still owing more than it is worth and then to top all of that they are bringing down my credit score and the car is not even worth more than the amount. I was going to start making payments because to get it out of recovery but I am starting to think if it is even worth it since they have robbed me from all the money I paid on the loan and what I invested in the car.

I do not have the truck anymore yet they call me every morning and break my sleep! I did a volunteer surrender over two months ago because my payment was never going down. No one would trade or refinance and too many issues with the truck. They also keep dropping my credit score, I'm so pissed!

If I could give them less than a star, I would. THE WORST financial company in the world. Horrible people. If you are reading this, do not and I repeat DO NOT get any financing from them under no circumstances.

I’ve paid off my loan and they are reporting late payments! The interest they charge should be illegal and this company needs to be shut down!! They are horrendous and I will report them every chance I can.

I finance the car since 2018. Making payments. In Nov 2023 I was running behind. Had to make extension and pay some money 640. That time they wanted me to pay and I paid and get extended. The lady said payment till 9th. It will be only 348.67. Guess what? The minute I wanted to pay online, I could not pay. They make it for me impossible to pay online. I tried to call. No one to talk to. Even tried to pay by automated phone. It refuses my payment.. I have been calling several times. The call transfer me to automated payment. Whenever I put payments it says my card not accepted and I thought maybe something wrong with my card and guess wat.. it's not. They were doing this on purpose so they can increase the rates and charges..

Run from this company. Go through process of extension day. It’s ok and that was incorrect. Two months later finally speak to someone to ask why I am receiving phone calls and they say, "Oh you were denied and we don’t contact you by email to tell you acceptance or denial. We just keep making phone calls to you." Just run. Find someone else to get a car loan through. Quick to ask for your payment but can’t communicate anything else. Ridiculous.

I had my car repossessed without a notice of right to cure and attempting to contact them and set up an arrangement due to the financial hardship. Since it was repoed they sent me the notice to reinstate and the notice to redeem. I paid the redemption costs and they will not answer calls or release my vehicle.

If I could do zero stars I would. They are absolutely the worst company I have ever worked with in my life. I paid my car off a d they are holding my title and forcing me to pay fees before they will give it to me. I called numerous times throughout my loan paying more than my payment to ensure my car would be paid off and after the loan was paid they told me I owed another $3000 or I could make a deal with them if I had money to offer them. I am a single mom and since could have lost my job twice and they still and putting on more fees and interest. They also lock my account so I can't pay my payment online and it makes it later so they can charge more.. Do not deal with these people.

Got my car financed in June 2021, at 34k, and it's still 33k, barely drops, finance principle never drops, have a hard time killing the interest, which is the worse in the financial business! We need to all file a lawsuit against this company soon! I have not had anything happen to this car, but lose value while the financed amount stays still!

I thought I had figured things out with them about my automatic payments and they said it was good so I thought my payments were coming out and turns out they did not fix it and they repossessed my car yesterday well I called to see where I call to get it and they gave me a f***ing medical life alert number to call I called them back to tell them and get info and they told me to stop being rude and that they will help. Well I still haven’t been able to get in contact them. And still not understand why my automatic payments were not coming out and I have been paying on it for 2 almost 3 years now and I still owe 16k and I bought it for 20k and paying 464 a month for it.

I have been paying on my car for 7 years. Maturity date always change. Even when I didn't take a deferment. Representatives never give a straight answer. Feels like payment never ends. Simple interest loan there is a fee every day. I just realized today. I can't wait to finish paying loan. Worst experience with a financial company. I do not recommend to anyone.

Like everyone else in this country right now I am experiencing financial difficulty and have fallen behind. No matter how many times you talk to a representative and try to schedule a payment they still call and email nonstop. They called my office phone back to back one day after I had already talked to someone. Every representative I have talked to has been rude, they all encourage you to "borrow the money from someone" and then refuse to let me schedule a payment for my next payday because I'm behind. Then I get sent to the manager who calls and emails me repeatedly after speaking to several representatives.

One word to rate their customer handling experience, TRASH. The representatives are poorly trained and will tell you whatever to secure a payment. Spoke with a member of management after Receiving multiple stories about my balance and he was RUDE. Never again.

Purchased a 2019 Pathfinder from then in March 2020. Now due to the pandemic I have had several extensions. Fast forward to today. Unless there was an extension requested I have never been late or missed a payment. I have paid over 17,000 and my principal has barely decreased. When I call for printout no one has any information that can be given to me. If anyone had any info on how to deal with this please help.

I never write reviews, I'm usually the reader but I need to tell my story. Every review I'm reading sounds pretty much similar to my situation. Back in 2021 I decided to finance a 2019 Toyota Corolla, my credit was a mess but I was desperate and determined to drive something nice. I have been paying $500 every month for 2 years, the whole time noticing that the balance was barely dropping. Fast forward 2023 my car has just been totaled through no fault of my own and while I'm just looking back at all the paperwork and seeing the Blue Book value of the car, it's actually worth 12,000-13.000 which I've paid these last 2 years but I originally signed on for a 21,000 loan and after 2 years I still owe 18,000!!

I had purchased a vehicle through Regional Acceptance in 2019. They were charging me 680.00 a month for a 2016 Durango. I had made a payment in 2022 of 1500.00 to catch up my payments. I had told them to put the payment towards my principal balance. Within that next month they were calling me again telling me that I was behind. I told them, didn't I just pay you all 1500 to catch up my payments? She said, "Yes, but you're still behind." She said, "You have an interest loan and the amount you paid was towards your principal."

I bought a 2016 Ford Focus roughly 10/16. My truck broke down recently moved to South Florida. The interest rate was 23% (not mad cause I let my credit fall in a divorce). I was approved, received the loan and car. Three months later had an oops at work. Was in the hospital for 2 weeks, was late on the first payment, no worries, called them up and they worked with me. Before COVID came, bought a forty thousand dollar truck. Had two vehicle payments at the time, called them and told them we were slow and they gave me three months to regroup. It’s 2023, the car is paid off and so is the truck. My credit score was a 550, now 725 and if it wasn’t for them I wouldn’t have the credit I have now. So before bashing a company think what did you do wrong to have them repo your vehicle....

I bought my Kia in 2016. I have been paying $568 a month. I have paid over 33k and they say I still owe 12k. I even filed a complaint 2 years ago, with ConsumerAffairs, for predatory practices. DO SOMETHING!

I purchased a car in 2016 and Regional Acceptance is the finance company. The car was $20k and I was upside down by $14k. $34k with fair credit and a 17% interest rate. Yes, it was an awful and desperate deal.. But it's 2023 and I still owe 20k??? HOW? To my understanding, only $87.00 is going toward the principal and the rest is interest? Ugh and the loan matures in 11/23-what will happen then? I will have to get a lawyer who specializes in predatory lending and see if this is even legal.

In my heart it’s resolved and I’m at peace with the decision that was made.

I got a loan from RAC in 2018 for $19K. After paying $500 every month for 3 years my balance was $18K. Do the math.... $500 x 12 = 6,000 x 3 = $18,000. According to RAC I only worked off roughly $1,000 of this loan. This should be against the law. I am writing my elected officials for help.

Shady outfit. Took out automatic payment without permission. They told me I must have called the same day. Pretty sure i would have remembered that. Customer service very rude. I'm Very unhappy with them.

This company's app doesn't work, it double charges your card then they give you the run around trying to get it back. I've been hung up on on purpose, transferred, left on hold forever, their employees are rude and basically say whatever they want with no repercussion. They don't want to help. They just want to argue. They stole money from me and refused to give it back and I have no idea if it went toward the principal or where it is at. It's bad enough that the reputable car company I went through offered this loan company to me and it's one of the worst.

This company will not help you when you have questions or need information. Customer service agents are both rude and uneducated. My daughter's car was totaled over 2 months ago and they have been no help with the paperwork for payoff from our insurance. They will keep mandating payments and excessive fees even though the car has already been taken for scraps by the insurance company. Stay away from this company.

They have no problem constantly emailing but will not respond when you reach out to them. They will send mail but still will not respond to you when you reach out. The company offers payment extensions but will not send you an approval or denial and will not communicate which one it is.

Do not do business with them. They would not give me my title to my van even after it's paid off, I tried to call them but keep getting the runaround. I think they will never send me my title. This is the worst company. They refuse to tell me when or if I would get.

I would never recommend this company to anybody, I got a loan from them almost four years ago and my loan amount has not gone down at all. They claim I'm behind on payments but won't send me my statement so I can compare it to my bank statement but yet they can send me a notice to cure default. I've even made double my payments to help go towards my loan in hopes it might drop the amount still owed and they say that what I paid went towards a payment that was owed. Mind you I haven't missed a payment and yet every payment I make goes according to them to the month before because of a missed payment which makes me a month behind on all my payment and they are threatening me with repossession. Screw Regional Acceptance.

I am pleased with Regional Acceptance!! Great company to work with. l was able to get financing for my vehicle with no problems. l highly recommend them if you’re in need of a vehicle loan when your bank turns you down.

They lied on the date they repoed the car, they didn't want to discuss anything, they called my mom and threatened to garnish her Social Security check if I my husband didn't make the payment, ALWAYs so rude, when I told them where the car was at they said they could not find it and we left it at the dealer they told to. The car sat there for a very very very long time before the dealership called to have it towed out of their parking lot. Regional said they could not find the dealer that they told us to go to. Now they put it on my credit as a repo, and I have been turned down on a home, I just learned today it's why I can't get the place, the car was in my husband name but the dealer said my son and I had to sign too. And it would not affect us, they're very deceitful. I need them to make this right, I have the certified notices from the tow yard.

Regional Acceptance use horrible business practices. They don't follow collection rules and regulations. Customer service is rude and unhelpful. Upper management promotes bad practices. DO NOT USE REGIONAL ACCEPTANCE, YOU'LL WISH YOU DIDN'T. SAVE YOURSELF THE TIME AND HARD EARNED MONEY.

Stay far away from RAC. Their loans are outrageous. I am five years into a seven year loan and basically still owe $12,000.00. The car price was 14000.00. I pay 421.00 monthly. It's a 2011 Toyota Avalon. Nice car in 2017 when I bought it. What the dealer finance guy told me was make a couple years of payments and come see him and we can re-fi it. Well the couple of years now makes the car too old to refinance? I will be paying north of 35000.00 by the time it's over for a 14K car. NEVER DO BUSINESS WITH RAC. THEY WILL RIP YOU OFF LIKE THEY ARE DOING YOU A FAVOR. DON'T SIGN WITH THEM.

Outlandish interest rates. They gave a form for deferring payments but dont look for help. We are in a pandemic. I've been deathly ill. Oh they'll loan you money. For an exorbitant fee. Don't deal with them. That's all I can say. Ride a bike. It'll be less trouble.

I got a loan from Regional Acceptance in December 2017 and I have paid them a total of $38,000 to date. That is more than the original loan. I still owe $31,000 on this car. How is that even possible??? I call the company to get an explanation no one knows nothing. The RAC app is not up to date to what is owed. I have paid for this car 3x's.

I purchase a car from Regional Acceptance in 2017 and has been paying 544.00 dollars up until the present 02/18/2022 and this Horrible Company tells me that my payoff now is what the beginning of the loan was. I was in the hospital battling covid-19 and Regional Acceptance call my phone so out of the respect to let them know what was going on with me I answer and this customer service representative after I told her I was battling covid-19 and was out of work at the time she had the nerve to ask when was I going to make a payment. I told her, "I'm fighting for my life and you are asking me about a payment. Please come and get your car." I would not and I mean I would not recommend this company to anyone. They are horrible. I have even reached out to the attorney general in North Carolina about this horrible company that needs to be investigated.

I am looking to sue Regional Acceptance corporation for predatory lending. I have found a group of people who are victims as well. I've been paying on a vehicle since 12/10/2012. The car was worth 6k. Finance charge was 10k. Totaling to 16k for the cost of the car. The interest rate was for 17.95% for 72 months. I've paid 30k on this vehicle and they state I still owe 3k on the vehicle.

The most horrible experience I have ever had with an auto finance company. I will never use them again. After 3 years and still owe almost what I bought the car for. A $13,000 car and I still owe almost $13,000??? They have their excuses and the situation is no different than a truck I bought a while back from a different lender and had it paid off in 3 years. Something's not right, in my mind, will have a lawyer make sure it is or isn't legal.

They have miscommunication throughout the company. Misrepresentation of information. Customer service is not good at management has no professionalism. I have never talked to encompassing persons like I did in the last 3 days. And the incompetence doesn't end there. This has been my worst experience in my entire life with a finance company.

Had a vehicle financed thru them. Got behind 4 payments, sent in 3 payments and was told could work out a plan on the 4th payment. Came and picked up vehicle during the night and won't tell me where it is so I can get my personal things out of it. DO NOT USE THESE PEOPLE, THEY ARE SCUM.

Almost done paying on my car and now they are saying they are having issues with the statements. No I want a statement. That way they can't say I'm behind or whatever. They are playing too much. I don't trust them.

I've been on hold for 2 hours. Still waiting... They're rude, slow, and have high rates. This company is a joke. I have e-mailed them questions and get no replies, then when I call I stay on hold just for some rude employee to answer and put me back on hold because they have to transfer me to someone else because they can't get me a note for my car. HIGHLY DO NOT RECOMMEND...

Please do not use this company!!! They told me they could roll my payment to the end of the loan. However they never told me that my GAP insurance wouldn’t cover these payments. They also tried to hit me with late fee and returned check fee from 2019 (by the way I never wrote them a check I always paid online with my card) however when I was making the payments these fees never turned up on the account statement. Once the car was totaled all these charges and fees showed up not to mention my Gap wouldn’t cover any of the rolled payments!!! These people a scams and never fully disclose all the information then later charge fees and leave you in financial stress.

The app. is not updated, call for support and is not customer service available and when finally one answer has no knowledge or speak the language.... Lol. Should be out of business if can't manage one....

DO NOT SIGN ANYTHING with this company. They will call you but when you answer no one is there. Disconnected every phone call, very difficult to speak to someone. Customer Service is horrible. They will chastise you and speak to you like you are trash, but freeze the account so you can’t pay online and then the difficulty to speak to someone to PAY YOUR BILL? And $10/day when you don't speak to someone and get the account settled. I wish I would have read reviews before dealing with them, they can’t even have phone lines that work or respectable staff or easy ability to pay?

I got this loan initially from RAC for a 2019 Dodge Journey. The loan is SO BAD that the number never changes. You make a payment and the amount I am paying {$642}, I should be driving a LEXUS at the very least. What makes it WORSE is that when you try to trade it in, you are TRIPLE UPSIDE DOWN which makes you HATE the car you drive. Even it fell off a cliff, you would owe for 2 of them! I wish LEE IACOCCA himself would take this albatross off my neck. Shame on you, RAC!!

I had called in to see why my account was entirely closed. I asked her if I could keep my account open, as it was affecting my credit. She told me there was no way for me to keep the account open, was very rude in her tone. When I replied "okay" she hung up on me. I have called this company more times in my 6 months with them that any other company in my life. The random charges, or miscommunication is ridiculous from here. I will never go through this company again. Nor will I ever recommend to anyone. They are not running any sort of professional business. Save your money folks, it's not worth the headache they give here.

Notified Regional when I was quarantined for covid. Was given an extension to help me out. Had account on Auto draft. Was told no payment until March 19th. They went ahead and took February payment out anyway. Have call for a week now and have sent necessary paperwork to prove it. They're refusing to refund monies owed to me. Very bad business. Always telling me that it is what it is.

I purchased a car with first payment on Sept 2014. The contract was for 72 payments (contract end Aug 2020) which was completed with additional 4 months for deferred payments during the loan period ending Dec 2020. Regional Acceptance Corp is charging $3,122.98 for the Feb 2021 payment, identified as a "end of the contract" amount. This amount is in excess of the contract amount and beyond the contract period. I requested an explanation through their online "help" with no answer to date. I've written their corporate executives with hopes of a reconciliation of account to "paid in full."

This place has zero communication skills. I work in customer service and these people need some sensitivity training. And if your spouse dies...good luck paying off your vehicle. They want me to keep it in his name and pay it off. Sounds like that is illegal. So finally, now they want a death certificate, obituary, will, executer of estate statement among other documents just to prove his death. I have most of the documents. But some, I do not even know what they are. This place is a horrible joke. By the way..when someone calls to report the death of a loved one the appropriate response is not..ok..how will you be paying today. Pull your heads out of your behinds. Do better..as human beings.

I have a loan with this Co. paying high-interest rate, I was late couple months August and now September, and I was charged 20.00 for each month late. I email the Co. but I received an email back to call because they can't discuss this on the email, and if I call, they say, "Sorry, I can't help you at this moment." This REGIONAL ACCEPTANCE CORPORATION is based in Orlando, Florida. I'm really frustrated with this Co. Really a shame on this situation. We are living that some Co. don't try to help the customers. 20.00! for few days late! 40.00 in two months. IF I CAN GIVE 0.01 STAR THAT IS MY RATING FOR THEM.

This has been the most stressful experience of my life. They are unprofessional, rude and all about how much they can profit off of you. I understand contracts but to still try to profit off of me in the middle of a pandemic is insane, they’ve made over the cost of the vehicle. The deal was shady and it was my first and last experience. I will Fred Flintstone it around before I ever go into a deal like this again. I have enough to stress about. If I was better educated on how this works instead of being blackballed by a dealership salesmen and lied to I would of ran. This company has given me permanent anxiety. I have panic attacks because of them.

They are based in Texas. They could give a damn that California is shutting down everything because of COVID-19. Zero help was offered during this time. They WILL charge you interest no matter what. Don’t even try to reason with them. Jerome ** will do nothing but explain to you in different ways why they WILL NOT help you. They take sarcasm to a whole new level. They will giggle and make fun of you because you are trying to make them understand that you cannot make the payment. They will try to speak to you in an educated manner but sadly their lack of education is compensated with their attitude.

If you have a loan with them, it's because your credit is bad. As long as you never have to call in with a problem, you should be fine. They are willing to offer payment deferments for a couple months if you can guarantee you'll be able to keep making payments. Their account overview DOES NOT reflect all charges on an account. They use a third party service to hold your title and will make you pay that company to transfer it to another state or threaten to make you wait 90 days for it, but will send it for free and quickly if your car gets impounded, which is wrong on so many levels. Not the worst company but FAR from the best.

Alright, so I bought a vehicle through Hendrick CDJRF a little over two years ago. My credit sucked (thanks to my parents using my credit as a kid and completely tanking it), so my credit union immediately said "lol nope" and sent me on my way. The dealer went to Regional Acceptance and came back with some numbers and despite the absolutely absurd interest rate (nearly 20%) I went with it. I *needed* a vehicle.

Two years ago this sad excuse of a company financed a 2013 Camry for me. Wish I knew then what I know now. This place is terrible!! Customer service is RUDE, they call you 20 times a day 7 days a week. I finally decided last month to refinance my car through a local credit union and today I Regional has started harassing me again with the calls! I will be contacting a lawyer. My account was paid in full over a month ago.

I brought a Kia and of course the only way to get in bed with these people is if your credit is garbage. The first 5 years I did perfectly with my payment. I lost my job after a supervisor harassed me...etc. Long story short they did try and help me and pushed some payments behind. When I got on my feet I wasn't making the same amount. I was actually making less than my payment amount bi weekly. I explained this to them and explained I would have to split the payments. I got behind one payment and had a hard time catching up. When I called to make the minimum payment I was 80 short. I told them that I just wanted to make sure I put something on the account. I'll call as soon as the extra payment that was taken out my account was put back on as this was actually true.

I have split my payments in two, before and on the due date. This has been a huge mistake. Each customer service representative has given me different and insulting answers as to why the amount due was much more than it should be. Finally, after speaking with four representatives, the amount due suddenly represented the correct amount with no apology and after tears. This has happened for the last three months. I can't wait until I no longer have to deal with this company.

I am reading the bad reviews and I have had nothing but a great experience. We bought a 2015 Ram, in May of 2018 and RAC was the finance company. We totaled the truck Sept 7 of this year. Our insurance company paid off the truck in full and we received monies back from GEICO and RAC. We still owed 25,149 on the truck and it was valued at 27, 100. Not even sure why we received a check from RAC. I called them several times during the process and they were very friendly and knowledge. I really hate that everyone has had such a bad experience with this company, but I would use them again.

I bought my car in 2012 and did fall behind with payments. When I got the car it was 18000 now 7 yrs later I still owe 11000. If you're more than 10 days late the charge $10 per day. The day I sign this loan was the worst day of my life. Now I'm honestly thinking about turning this car in. My payment are $467 a month and it hard for me to just dish out extra money. If anyone know a lawyer that will help to fight the scam they have going on please let me know.

I’m glad that I was given the opportunity to rebuild my auto credit through regional acceptance. However I paid off the vehicle and in return got screwed over with my title and refund for overpayment. I have yet to receive what I’m entitled and is rightfully due. Hopefully they will take a look at the communication glitches that causes these types of things to happen and make the corrections necessary to minimize the unsatisfactory reviews and experiences that a majority seem to report. I’m praying that I will receive my actual title and refund in the near future.

They ask for too many information and have a high interest rate, bad customer service, loan officer Karina in Fontana number ** she sucks. Is not a real bank. Fake. They ran my credit for a waste of time. I don't recommend this money machine.

I purchased a car on Aug 28, 2019. And Regional was to finance it. I went through the steps of doing everything that was need. As soon as I left with the car I have been getting calls every day saying "we need more paperwork on you and proof you don't have a mortgage on your home and we need you w-2 and 12 months of check". I asked "how can you let me pay down on a car and call me every day for the next two weeks". I took the car back and was told I was a liar and wouldn't get my down payment back. These people is full of it.

I cosigned for a car loan with my daughter, first mistake, the second mistake was being talked into going through Regional Finance Company. My daughter ended up totaling the car out after not owning it for a year. She current on her payments and I notified them that she had been in an accident and that they were totaling out the car and that we were just waiting on all the necessary things from our insurance company and Gap. Her bill wasn't due for another 21 days. Within a week they received a check from my insurance company for $8500.00. When her normal bill came due we didn't pay because they had just received a huge amount from one insurance and we were just waiting on the other half.

I co-signed for my daughter for a car back in 2010. After paying payments for 5 yrs, she still owed the same amount she financed. Due to heath reasons, she ending up having to file bankruptcy. The car was paid off in the process (she actually paid, not dismissed). After it was all said and done, they put the car on my credit! How can you get paid for the same car 3 times! Total rip off. Someone really needs to look into this company for fraud!!

First off, I notice a low-star rating. Regional Acceptance is always professional, always willing to work with customers, IF you call them. I have been 3 payments behind before I luckily became self-employed. Yes my interest rate is kinda high. My credit score is mush. That’s how it works. My vehicle never got repoed. They never made me feel like it was my fault I couldn’t pay. I see a lot of blame put on Regional. Why? Because you couldn’t or can’t handle your own financial matters like an adult? Regional isn’t giving away free cars, they’re not Oprah. I’m about to call them now and work out a payment arrangement because I’m behind a payment because 1 of my clients is running 4 days behind paying me.

I don't care, bad credit. I have had my car for 4 months....just got an appraisal for 13000. Owe 23000. It's a piece of crap and wont last 6 years, have no intention of making another payment. Ding on my credit, but I wont get ripped off 10,000. And it's not just them...the dealers are to blame too. We need someone to take a look at their practices and quit forcing cars on people. I will surrender the car. But will not make another payment. RIPOFF!

I had horrible credit and they approved me when no one else would. Of course my interest rate is high. Of course my car will never be worth what I paid due to high interest rates for people with horrible credit. Yes my monthly payments are higher if I had decent credit. But I have a car I can take my kids to school and get great gas mileage. I have a car and I am thankful someone approved me. There were many many times I couldn't pay and asked for a default and they were always so nice and considerate. Granted you only get a few a year and it does add on to your final payoff date. If you don't like the phone calls send a letter or call them. It will stop them. I live in California so I am not sure if you get different phone numbers or agents when you call but all of my conversations have been more than pleasant.

If you are reading this, please avoid this. The dealership we purchased our truck through used this company. After my first payment I received the next bill for the next month. I called the representative line [866-380-9730] and talked to someone. Dealing with previous loans before, this is not the same. They charge $12.62/day based on the original amount of the loan. And this never goes down. Unlike other loans that will base your interest rate off the principal you owe after making a payment. So, I will always pay $4,600 a year for the loan. As opposed to $2,500 a year when I reach $20,000 on my loan and so forth. And also, the payoff amount if I refinanced somewhere else is higher than what I actually owe after making my payments. This company is a the worst I have ever seen.

They took my car without saying anything. My meds were still in the car. I called and ask if they had the car and won't give me any answer about the car and my meds. One of the worst people I ever dealt with.

I got my car repossessed by them when it was NO reason to!!! I called and they said they drop the ball... and are tying to get my car back!! How can you drop the ball on something like that? Seems like incompetence people work in the customer service there, I've called 9 times and still they say they are trying to work on getting my car back!!!! This is a joke of a so called company. Please don't bother with them, FIND ANOTHER COMPANY...

Calls multiple times a day... My owed is higher. I hate this company. This company is a ripoff. I was with Capital One and decided stupidly to go to this company for a lower rate... Now I owe the exact same amount after 2 ** years.

So far I have paid every payment ahead of time so I have never been late. Then I figured since I'm always ahead and never late or missed a payment It would boost my credit score. Bullcrap since it and they reported an increase of $117 dollars and bam knocked my credit score down to where my credit was bad. Asked for reason and was hung up on.

I purchased a new 2017 Chevy Colorado, and was finance through Regional Acceptance, at first I was a little skeptical I never heard about this particular finance company. So I received my first car note and began to set up my payment options when l notice that the lender accept credit card payment with no extra charge, so that option worked out for me. Not only can I make credit card payments I also earn reward points, so it’s been two years now and I’m content with this particular finance institution.

This company is the worst company I've ever dealt with in my life. Everything about this company is bad. 1st and most importantly is their customer service reps. This is a lender which car dealers use for people with moderate to bad credit ratings. Had I known the dealership where I purchased my car was using this company I would have walked out. The people who work there are clueless and incompetent is putting it nicely. Their website is archaic and you can't get to a rep over the phone without jumping through a million hoops. They do not respond to email either so don't waste your time.

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.

I totaled my car in October 2018 and I needed another car so I went to this car lot and I was financed through Regional. I have made two payments in a timely matter since we have 10 days grace period. My payment was due this month on February 18th and the grace period date is the 28th of February and it will be paid before then.

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.

I am being generous with 1 star. They deserve a big Fat 0. They incorrectly "returned" a payment a month after we made it and the day that they made the attempt they came and repossessed my car. The money was NEVER added into the account because they did it incorrectly so they got the payment AND my car. ** SCUMBAGS. DO NOT USE THEM UNLESS YOU WANT TO LOSE ALL YOUR MONEY AND YOUR CAR!!!

I went to a dealership to get my car. They said the loan was with Regional Acceptance. I said okay and went through with it. They’re very rude, doesn’t take what you tell them into consideration, and overall care about just getting the money rather than working with you and helping you. I was told multiple times that what I was being told by previous people was a lie. They kept stumbling on their words and mixing them up. They’re not good at all to work with. I would not recommend them to anyone.

Purchased a vehicle in 2012 after my second deployment. Now in 2017 I still owe 12,000 from a 23,000 loan. Sadly, I owed that same amount over a year ago. These people will harass you nonstop if you owe them money, call everyone they can to get to you, and have been some of the rudest folks I have ever dealt with on the phone. Sadly I can't get away from them and honestly feel that this is their game. We never had our pay off amount stop going down until we attempted to get a new car last summer. The only thing that stopped us was being too far upside down and being barely shy of having what was needed to push the loan through. Since then, my payoff hasn't dropped. Any calls between myself and RA has went from professional to absolutely rude. Stay away from these scam artist folks. They are nothing but careless thugs.

I had a low credit score, really low. I got approved at a crazy high APR. Paid on time every month, never had a problem with them. No mean calls, no threatening calls, no calls at all. If you have ** credit and you can make the payments you agree to make on time, great company. One reason not 5 stars... Rebuilt my credit and tried to refinance, they said no because my vehicle wasn't worth what I owed. No **, you were charging me 21% interest for 3 years, lol. If you need help, they will as long as you can pay what you agree.

Had below average credit with below $2000/monthly income at the time when I tried to buy a used Ford Explorer from a Ford dealership a couple years ago for $8900. Regional Acceptance offered to finance at 15% interest, payment of $280 monthly. $2000 down. I accepted. The. Biggest. Mistake. Of. My. Life. What follow were 3.5 years of terrible customer service experience and horrible reporting to credit bureaus. If I were ever late with my payment by a day or two, I'd get 5-10 robocalls per day, even if a payment was scheduled in advanced. When I would answer a call, a really mean customer service rep would answer and bash me for being late with the payment. Thanks for understanding... and then they would still call the next day etc and report it immediately to the credit bureaus. I was late on payment by 30 days and a rep on the phone threatened to repo the car... awesome.

Regional Acceptance Corp (owned by BB&T) is by far the worst company I have ever dealt with. I purchased a 2013 Chevy Impala from a local dealership a couple of years ago and this is the company they said had the best rates and options for me. I, like a fool, agreed though the payments were a little higher than I wanted as was the interest rate -- I went ahead with it after I was assured that I could refinance after a year of on time payments to receive a better rate and term. This was a lie -- I paid on the car for 18 months then was downsized from my job and was making less per week at my new one so I thought it would be the right time to do the refi. I contacted RAC and was told point blank, "We don't do refinance." OK so Doug Henry Chevrolet lied (no surprise there) but the rep I spoke to initially with RAC did as well.

How are they still in business? I'm in the same boat as everyone else. I didn't have bad credit, just not enough to get a higher rate in a pinch. I've been paying for almost 4 years on a 14K loan, (almost 20K paid so far) and I still owe over 10K? I'm so desperate to get rid of this car that I've borrowed from my retirement to pay this off. I was a week late on my recent payment due to waiting for the full loan amount to hit my account. I make the final full payment on Friday, and they're calling me multiple times over the weekend claiming I need to make a payment?

I have had a loan with this company for 3 years, never missed one payment. They do not have their own auto pay so I was forced to use AutoPayPlus. I paid biweekly for 3 years. When my car was totaled due to the other driver's fault this company was unable to stop payment unless you call 7 days in advance. Well in times of hurricanes they are unable to stop payment even though they got notice more than 7 days in advance. This company and its affiliates suck! Steer clear good people!!!

I had a loan with them a few years back on a 2013 Dodge Charger. Paid it off in less than a year. I got another on a 2010 Dodge Journey. This time the loan wasn't as good since my interest went up and made the payment less but I think that was the dealer. My complaint is I had my car in the shop being fixed several times and I had to get a payment differed to cover the cost of the repairs.

I purchased a car at Peoria Nissan through Regional Acceptance in 2013, (2012 Versa), and was always early, or right on time with payments. I paid off the car two weeks ago (2 1\2 years early), and have already received my title and letter declaring the loan was paid in full. I've had to call for clarity on a few things, and service was always conducted professionally and courteously by the employees. I will work with them again in the future!

Today I went into work leaving home at 215am and worked till a quarter to 4, I received a call around 430ish from Val from Regional Acceptance. I went on to explain, "I had your money all weekend. Never had a chance to get to a bank" (not allowed to use company vehicle for personal). Well I explained what amount I was given and this supposedly customer service lady told me TO NOT OVER TALK HER, you talking pissed instantly I WAS, I SAID, "WAYMENT NOW." All I could think about was the disrespect I just received, well she wanted my card, and I have explained countless times I don't give my card to nobody for any payments. I will use the automated.

The car in question is a 2009 Nissan Ultima. I am the poa for my father. For the past year I have been asking the company to pick up the car because there is no money due to illness in the family. My father didn't pay because of dementia as well. As requested I sent in the poa numerous times and documented each time it was sent. I was told... "I like my job and I don't lie" by the rep at the other end of the line. What does liking your job have to do with a numerous times sent email with return receipt indicating it was opened?

Let me start out with the positive first. I have been with them April 2015, Shikila has always been understanding and help me in any way that she could. Now on the other hand, I recently wasn't a month behind on my payment and got a threatening email that if I didn't pay, my car would be repossessed or if I am one day late, I'm getting multiple phone calls. To put the icing on the cake, I call customer service to let them know I will be 2-3 days late, I get hung up on. This company needs to do a better screening on their employees.

After 32 inquiries from Sims Buick Regional Acceptance financed a 2016 vehicle with may trade. I drove off the lot with the car. Didn't like the payment but that's life. The following Wednesday I made the welcome call. They asked who this person was on my insurance. It was my fiance. Next day I was accused of buying the car for him. Never said that... And what if I was. I was already approved. Then they wanted fiance to apply in conjunction with me. Not as cosigner. Keep in mind I was literally driving the car for 6 days. They came back and insisted on at least $1500.00 down. No down payment needed when I purchased it 6 days prior. I gave them back their car and got my old one back. Both have been reported to the bin. Lawyered up about all the hard inquiries on my credit report too. Beware using either of these businesses.

I've been with Regional Acceptance for... Going on 4 years now (I think, maybe 5?). I had gone through a divorce, and a prolonged 5-year fight for 100% Disability through the VA. So my credit was not great. Hell, I wouldn't have even called it "good." I was a high-risk contract and I understood that going into Budget Car Sales. I was shown a 2012 Nissan Altima with very low mileage. I didn't really like being shown only one car, so I left. Overnight I thought about it and went back to the dealership to truly take a look at the car. I ended up financing it with Regional Acceptance Corp for 6 years and a payment of roughly $435 per month. Their approval process was quick and painless.

Due to divorce, lay-off and moving to a totally new city, I had hardship, but eventually got a job, then obtain another job at another company making more money and was able to save to obtain a car in 2015. Regional Acceptance financed me. I knew the interest rate was going to be high because my credit had taken a hit due to my financial hardship, but bought a 2014 Toyota Corolla, made all payments one month ahead and just this month I traded my car for another Corolla 2017 with 17 miles, refinanced new loan with my credit union at a much lower rate, loan was paid off, within one week my account at Acceptance said paid off. Never had an issue with Regional Acceptance. They were great to me when I needed a loan... Don't understand the negative reviews...

I have had the worst experience with Regional Acceptance since my car was totaled April 1st. The document Specialist will not return my calls or emails. I made a final payment and was told by 4 different people, 4 completely different stories about getting a final letter saying my account was paid off. I was told it would be available after 4:30 the same day it posted which was not correct, I was told "accounting department" has to go in and manually enter my last payment. When I asked if I could speak with someone in accounting, I was told they do not talk to customers. I have had the absolute worst with Regional customer service department. Do yourself a favor and go with another company. I will be glad when this process is OVER!

I have never had a bad experience with Regional Acceptance. They have always let me make a partial payment. So anyone that has said they won't accept partial payments is wrong. Also if I am late with a payment, which I have they do not call more than one time during the day. I have also been able to schedule a payment for a certain day if I am more than 10 days late. Everyone that I have talked to with Regional has always been courteous and polite. I do feel bad for the people that have had bad experiences with Regional.

I opened a loan with this company a year ago and they hit me with an 18% interest rate. I've tried to email the company to see if they would refinance me for a lower interest rate but they would not respond. I had made every payment on time and I pay $600 a month on a 16 Ford Fusion. I have been trying to trade it in to get into a truck but I owe so much that I would need to roll over like $8000 of the loan but the banks say I don't make enough money to finance that amount of money so it won't go through. I am very discouraged with this that I would love to do something about this company and their high interest rates. My scores are in the mid 600 and I still can't get any help. Anyone who has suggestions or any info on how to sue this company please let me know. Thanks!!!

We applied for an auto loan which we were approved for last Saturday. We didn't take home the car the same day because we wanted something custom installed. Every day during the week, this company asked for something to verify our income. It was as much as purchasing a house. It was ridiculous. When we gave all the information they needed, they took their sweet time approving the loan when it was already approved on Saturday. Then today, Friday, they rejected it. No explanation and will not accept the dealership's phone call. I think it's pretty unprofessional and unethical to change your mind after contract is already signed.

I purchased my car in July of 2016. My payment due date was on the 25th of each month. I asked if I could get my payment date at the beginning of the month since that is when I get paid. I was told no. I did fall on a hardship and did a deferment on two payment. I have been making my payment each month since then, I just found out that all my payment was going toward my interest so therefore my beginning balance is the same. How disappointing to find this out. I called the company and asked what was going on. I then was told that I could change my payment date. I am praying I can trade this car in and never will I to Regional Acceptance. I feel they took my money. I would have never get this vehicle paid for if I did not ask questions and they were not going to express any help. Beware. Run when you see this company name.

Have a loan for a 2012. Have had financial setbacks. I now have over 600 dollars late payment growing everyday that it's late, not to mention the 474.32 in monthly car payments. They are extremely rude, calling me 6 times a day. I documented these calls and reported them to the BBB. I got one rude nasty customer service rep that called my sister's house looking for me. They had just called my house. I told them don't call her. This guy told me "Well it worked, you responded since you ignore our calls". I told him I just talked to someone, I do answer my phone and don't call her again. "If your sister wants her name removed from your list she has to call us". I told him "You are very rude to me and you don't talk to me like that - I was just getting ready to make a payment".

This has to be the worst company I have ever come in contact with. If you are just 1 day late they are calling like you are 6 months behind on your payments. They fail to tell you that even with the high interest rate you don't begin receiving that interest towards your principal until you have been paying over a year. I called one time and the lady was 100% unprofessional. I felt like I was speaking to some young child that never attended English class. Overall a terrible company and I would not refer them to my worst enemy.

I've had a loan with them for a few years. I traded in my car. The dealership called them and let them know that they're being paid off. Asked for the pay off amount and let them know the check was coming. Days later they dipped into my account for $500. I called and asked for a supervisor. Advised him of the situation. He said they would refund it and then transferred me to another call center and then accuse me of lying saying that no one ever said that, fortunately I had the supervisor's name. I finally got back to the supervisor that authorize the refund and he said, "Oh wait I never even looked at your file. I'm going to deny the refund" and their supervisor said I'm not getting the money back.

Let's just say never have any type of hardships while with this so called company. My car was repossessed on the same day I was going to pay my arrears. I experienced a layoff from my job and was trying to play catch up on all my expenses. After my car was repossessed, I called to see if I could pay my arrears and was told so had to go through an approval process. I was asked if I received unemployment and if so that I would have to send proof. I provided the proof and told them that with my income tax refund and securing a new job, I would be on top of my payments after paying my arrears.

Is anyone still proceeding with a lawsuit toward Regional Acceptance. If so I would like to join!?! I have been paying this lender for over 6 years at $620 a month and still owe $17,400 on a purchase amount of $28,000 on this car? I am suppose to have a 7 year term. That means I should only have 1 year left. So in 6 years I have only paid $10,000 into the principal??? I had some lates here and there over the 6 years but I can't imagine those fees would be that costly! Even if I low ball my calculations we have paid $36,000 to Regional Acceptance and out of that only $10,000 was paid into principle and $26,000 into fees and interest! That's crazy! I would like to trade in our vehicle but we can't because we are way upside down. So we are stuck with this car in hopes that it will still be reliable over the next few years. I am all in on fighting this lender. They are horrible!

I am very unhappy with my experience with Regional Acceptance and usually don't write reviews but I am hoping that this will help someone. I am in the same boat as everyone else, not having the best of credit and looking to get a new vehicle. Having previously paying off a vehicle that I gave to my son, I was looking to get a newer vehicle and Regional Acceptance financed me. My original loan amount was for around $16,000 and 4 year term. I will admit that I had a few late payments when I was laid off even causing me to at one time lose the vehicle but I did regain it back and continued to make my payments on it. I purchased my 2010 vehicle in February 2012 and have made my payment of $446.00. Now 5 years later I have paid $21,000 into the car and have been told that I still owe $13,000 on my vehicle due to late payments.

This has got to be the worst company to do business with in the whole world. The best thing I can tell people is if you hear this name when trying to buy a car, REGIONAL ACCEPTANCE, AKA BB&T, just say I would rather walk than do business with these people. If you are late by 1 day give it up, they will call your work number if they have it, and will call you AT LEAST 5 times a day or more until you pay. I could not make a living doing customer service for this company cause a requirement must be, mean, rude, insensitive, hateful and most of all being a bully.

DO NOT AND I REPEAT DO NOT GET A LOAN WITH THIS COMPANY. Nobody can speak English, I paid on my car for 1.5 years and I owed more than my original loan. This place will not stop calling you, sometimes up to 4 times a day and late and very early.

I have paid on my car going on 3 years. Original loan $16,579. I looked over my statement after I went to a local dealer to trade my car in for another. They asked how did I still owe so much money giving the time I've paid the loan... I would suggest looking over the statements you get. It feels like I am being robbed.

I have been with Regional Acceptance Corp for 2 yrs. Granted the interest rate is high but then my credit was lousy. I was allowed to drive my car off the lot with NO money down and a nice car at that. Nobody would finance me. I have been a couple days late on a Payment and NO ONE called to harass me. Anytime I have spoke to someone they were courteous. I would do business with them again. My credit score has dramatically improved. I'm sorry other people have had problems but it just hasn't been the case with me.

Regional Acceptance is the only place that would approve me for a car loan because my credit is crap. IN 2014, I put a $200 down payment on a 2013 vehicle that was priced at $12000 (2500 below book). I haven't missed a payment, I have not heard from them at all. The only time I talked to them was when I asked them if I could jump online and make partial payments and they told me that's fine as long as the total payment was made before the due date. I said ok, and have been doing that since I get the car. The interest rate is kind of high (17.95%) but that was to be expected with poor credit. The online portal could use a bit of work, but it does its job.

I was in need of a family car in 2012. Midtown Motors in PA had a deal going on to help everybody get a newer car no matter my credit level. It took many hours until they found a car loan place that would help me. The payments were going to be 493.00 a month for the first 18 months then it would get lower. Well I wanted to make car payments not car repair payments so I took the deal. Well I hits some hard times and when I had the 18 months in I called them and was told that only by getting the car refined through a local bank would the payments go down! Well I was in no shape to go local as the husband was between jobs so I went on paying them! It is now 2016 and I still owe 15,500 on the car ad my 09 car is only 4500 bluebook!

I had a five year loan 409 a month and I made payments on time and when I was gonna be late because my son had brain cancer, I tried making partial payments which they refused to take!! I got so far behind because they refused my money! Customer service center are the most unprofessional people I have ever spoke to. Treated me like a piece of crap and refused my money and had no sympathy that my son had a terminal illness. I offered 102 a week and they still refused. And they took my car after I tried paying for it.

This is the worst company to get a loan. Our truck was totaled since June 17, 2016. My insurance company had waited over a month to get the payoff amount from them. They still expected me to pay the loan which I understood. However when they received the first check they did not apply anything to the payment I am due for July. My husband is on dialysis and has been out of work and will have surgery on Thursday. I asked for them to apply the amount owe for July and they wouldn't do it at all.

RAC is a rip off! They unilaterally took car payments from my checking account when I was not signed up for ACH. ALSO, they took a car payment from my account when the car was totaled and the payoff letter from my insurance company was already acknowledged and I had already signed over the title and the car was completely paid off! They are rip offs and their customer service personnel are rude and have terrible language barriers! I am so happy that Wells Fargo picked up my new car loan. I would walk to work on nails before financing another car with this immoral company!

I entered into a 4 year contract and paid for 3 years 11 months and owed them 549.00 when I got laid off and they refused to work with me and repo'd the truck over 549.00 and ruined my credit and destroyed my family's lives. As seniors we don't have the ability to do it again and I have not been able to work since they took my truck. They got my car as a trade in so now we have nothing and borderline homeless. We lost $20,000, our savings and our future. As seniors with no vehicle to work we now live with no health insurance and barely surviving.

We purchased a car and it was financed through Regional Acceptance. The purchase price was $18,000. After 5 years and paying over $32,000 for this car ($535.00 a month! They said we still owed $20,000. I will admit that we got behind a time or two, but always worked those out. We were threatened and called trash by their "customer service" people. After we talked to them and made payments, we would still get up to 10 phone calls a day. They have ruined our credit even more. If anyone wants to finance your purchase through Regional Acceptance, run! Run very fast!

Do NOT I repeat DO NOT finance with these people. They are by far the worst company to finance with ever! I sent a money order and it supposedly "never got there." I call today to make a payment to find out I'm behind 2 payments and they threaten to repo my car unless I pay them RIGHT NOW over $1,000. I was at work when I called and said "at least give me until tomorrow when I'm off of work and I can figure out what happened with the money order and come up with the money to pay and this **." ANTHONY is his name, says "nope you have to pay right now or don't be surprised if you walk out of work and don't have a car." BY far the worst customer service and I'm pretty sure scam artists.

Purchased a car, got a loan in 2012. Interest rates crazy, totaled care two months ago. Got GAP insurance and still being harassed by Regional Acceptance and have taken negative marks on my credit bringing my credit down by 60 points even though I had all the proper protocols in place. Would I recommend Regional Acceptance to anyone!!! NO. If I could give them no stars I would!!!

Regional Acceptance is by far the worst finance company that I have tried to work with. I co-signed for my daughter to get a car through them, but first thing was I was suppose to be the co-signer and I ended up being the borrower. The first week of March my daughter totaled lost the car. Here it is May 2, 2016 and I am still dealing with Regional Acceptance to close this claim. State Farm paid off most of the balance of the car, in March. Every time I call Regional Acceptance they say they need paperwork from State Farm. Every time I call State Farm they have sent what they need, yet they still don't have it. I have called Regional Acceptance several times and tried to speak with a claims person, but all I can get is Customer Service. I can leave a message for a claims person to call me back, but when you try to leave a message when you press a number to get an extension it does not work.

After paying off my 28,000 loan with 1 extension they claim I still owe 22,000 with 8 extensions. They will not send me anything or help me. I have even given 4 extra payments of 700 each.

I have owned my vehicle for 7 months and have never missed a payment until today when I called in to make what thought was my March payment that turned out to be the 2nd half of February's payment. No one notified me that it was late so in my mind I was still caught up. When I tried to explain how I made two payments a month, first half at the beginning and second half at the time of payment... I was interrupted several times. I was told that my payment didn't "hit my bank account" until two days after calling in to make a payment, which is not my fault! My due date is my due date regardless! I kept having to tell her to let me finish talking before she cut me off several times and when I asked for my account number she ranted it off really fast in a mean aggressive tone so I had to ask again and she got even more of an attitude.

I took a car loan out back in 2010. I did not have the best credit rating at the time but after 5 years making payments and yes I did fall behind but noticed after about 4 years the balance was never changing. The loan was for $16000 and after and the balance was over $15000 and every time I talked to regional acceptance they would do nothing about it. All they would say is, "Would you like to make a payment?" And I asked for a refinance and they said they can't do that. Since when can't a bank refinance a loan?

First, I don't have the best credit score, but I've been working for over 15 years when purchased this car. Needed a reliable vehicle. I still owe $10,000.00 on this car paying over $350/per month. The customer service is Horrible! THREATENING, HARASSMENT, BULLYING, ETC. THANK YOU! NEVER AGAIN. QW

I acquired a car loan 5 years ago and my payments have not gotten any less. What they're charging me 5 years later is the price of a new car just because of a few payments late. I will never pay this car off.

I purchased my 2007 Honda Accord from Crown Honda in October of 2011 with a 5 year term auto loan. The percentage was 23% interest. The loan amount was for $16,500. To date, I have paid them $22,000.00 so far for this car. They tell me I have a balance of $10,000 that they say I still owe them. So when I am done paying for this car I will have paid them about $28,000.00. They are telling me it's late fees. They are telling me it's in my contract. I have been struggling to pay this down at a $468 a month payment fee. I cannot get ahead because they are always putting extra fees on my payments and then they call me and harass me all day and all night and threaten to repo my car. I don't think this is fair. They are being like predators, preying on me because they know I can't do anything but pay them. I have filed a complaint with the FTC and Consumer Financial Protection. Is there anyone out there that can help my case?

I have been mistreated by Regional Acceptance on several occasions. By attitude, talked down to, and hung up on. A woman called me saying I had not made my monthly payment, which I had transferred from my bank. It just had not showed in their system yet. I told her the situation and she proceeded to tell me with an attitude that it's not her problem that I can't pay my bills on time and I need to be more responsible. Yesterday I had to call in to make a payment over the phone and I was trying to teach a representative who was it working that day.

I have had the displeasure of dealing with this hateful excuse of a financial institution. I purchased a new car on 30 Aug of this year. I have a rough pay history due to family health issues, my own included. On 06 Sep, I was practically ran over by an older fellow driving a large motor home, pulling a large horse trailer. It was the other driver's fault, especially on the traffic collision report. I immediately contacted Regional Acceptance Corp, and explained to them exactly what had happened. This was a few weeks after the accident, after I had located a decent law firm to represent me. I was off work, on leave without pay, due to the health issues I explained earlier in this review.

Mr. Pickle says, "the best advertisement is word of mouth, you do not want a customer bad mouthing you." Well here is my piece, this company is the worst! I am a first time buyer, student, and considered "self-employed". A representative was so rude to me, I had never experienced anything like this in my life. I can only laugh and pray for her, obviously the poor lady is a miserable soul. She misconstrued everything I said to make it seem as if my information was fraudulent. I asked for her name, unto which she would not state, then she goes on to call me "Dumber than Dumb". Yes!!! Words straight out of her hateful mouth. I would never recommend anyone be funded or have any affiliation with them. I am going to tell every dealership, and anyone that I know to never use Regional.

I have been with this company since 2013. I want to admit I have had trouble paying my note. But the way they treat a person is disgusting! They act as if you owe them money personally. They will do everything, and say everything to you, and make you feel worthless at the end of the call. Which they call more than 8 times a day. I have had a manager named HOWARD & SHANIQUA yell at me as if I owe them money personally. They have mixed up my paper work countless times - although I have the copies, they will not honor what I've sent in.

I just think this loan company is the worst company you can get a car loan from. The interest rates are insane.

I had purchased a Jeep Patriot with a car dealership which financed the SUV with Regency Acceptance. Since my purchase, I was diagnosed with Cancer. I had 2 surgeries and Chemo and Radiation Treatments. I was keeping up with my payments while on Disability. While out on disability my company went out of business. 3 months after my company went out of business, my disability stopped. I had to return to work even though My health was not stable. I kept getting sick and was let go of my temp job.

I have never had a bad experience with this company. I have had my loan for over 2 years. Due to losing a job and getting ill we have fallen behind and few times. Yes they call - that's to be expected. I wouldn't say they have harassed us or been nasty. You don't pay your bills that's what happens. I've been as much as 2 months behind and was never threatened to have my car taken. Talk with them like an adult and they will work with you. If you've had a good payment history they will defer payments or let you make an interest payment. I like the deferment. I hope I never have a problem with this company as of this date. I'm behind and they are working with me. After paying over 10 grand on this car so far I'd hate to lose it.

In May of 2009 a cashier's check was sent to Regional Acceptance Corp. While at the bank the check was sent from we called Regional Acceptance and asked for the payoff amount. A check for over $24,000 was drafted and sent the same day. Prior to that I had sent a payment of $536 which the company received just before receiving the cashier's check to pay the vehicle off. When they gave us the payoff amount it was for the amount including the payment that had yet been received. Initially they sent a refund for overpayment which was a good thing.

I acquired an auto loan from them in August 2013. Had an accident in October 2014. It took them almost six months to get the information to my insurance company for payoff, as it was a total loss, resulting in months of extra payments that became due because of their negligence. I do not owe this money and yet they harass me EVERY single day. They failed to get my insurance company the proper paper work for payoff. I don't see how that is my fault and why I should pay any more money on a totaled vehicle and have my credit ruined.

I'm reading all of these negative reviews about Regional Acceptance and I'm quite puzzled. I purchased a car from a dealership on a 6 year note. I had very poor credit as a result of a lengthy separation from my spouse. First of all, I was amazed at Regional Acceptance right from the start. I walked into the dealership without a penny down (I had recently used all of my savings to pay cash for a car for my 16 year old daughter). They financed me with nothing down and I was able to buy a 1 year old car with only 29K miles, all with poor credit. I even got a lower interest rate than most of the "Tote-the-Note" dealerships offered. My interest rate is still high (17%) but what do you expect with poor credit? You're basically saying to them, "Hey, loan me $15,000.00 so I can buy a car, and by the way, my history proves that I may very well not pay you back." Low credit score = High Risk!

They call almost every day. Every time they call they leave a message asking for a different person. They never call when I am home. I have no idea who they are looking for but since they say a different name every time I doubt they know.

I purchased a Hyundai Sonata in 2012 with $1000 downpayment. My monthly payment is $693. To date, I still owe $25,000 and cannot purchase another cheaper car for my use. I laid off on 6/16/14. Requesting an extension, I am faced with hundreds in interest. 10 days extension is $518 in interest and $178 was paid to principal.

Regional Acceptance is one of the worse companies I have ever dealt with! The office staff in Margate, Florida are lying bastards. I made arrangements to make payments and they still repossessed my car!!! I am a single mom trying to make a living and I lost my jobs because they took my car after I set up payment arrangements. The manager is a lying jerk and they will take your money and pick up your car!!! Be aware of this company, they call and threaten you and don't live up to their promises!! They need to be shut down ASAP!!! I am taking this to our local news station along with my receipts of payments I have made!!!

VERY RUDE EMPLOYEE NAMED DEE. This lady has called and harassed me about having 80 hours on my pay stub for financing after I repeatedly told her that I didn't have a full 80 hours because I had dr appointments so I had to take my car back to the dealership because she refused to finance me. I was so upset. Please try Capital One.

This place should be shut down. Worst customer service ever. Treats you like dirt. Extremely disrespectful. Would do nothing to work with me AT ALL when husband and mother were ill. Want their money, bottom line, right then and there. Managers/supervisors there are the worst employees and need to be re taught ethics and lack ability to treat people like human beings. Even if you have money to make payments, they continue to act ugly. If unable to contact you, they hire investigator and contact people you haven't been associated with in 20+ years!!! It's insane! Should be sued!

I bought a car from Orr Toyota in December of 2013. Regional Acceptance was chosen to be my finance company. My car was a Toyota Prius 2011. The car cost 19K, they financed it at 32,000.00. It was truly not worth it because as of May 4, 2015, new information came to light. I struggled and even was homeless attempting to pay for it. I signed up to drive for Uber because I was behind in my note and I knew I could make money to catch up on everything. Uber denies me driving for them because they say my title is branded. At first, I thought Uber was mistaken but they came back with more emails stating that the title has been rebuilt and salvaged.

My vehicle was in an accident, which I called reported and mentioned the insurance would cover most of the remaining payments and gap would cover the rest so the account would be paid off. The rep I spoke with said ok - I didn't need to make any more payments. She would have the account deferred until the check came in which was shortly after. They continued to bill me high interest after the vehicle was completely destroyed. Even after the insurance check was received, what do you know - more large interest charges. They would not remove any of it saying they don't credit fees. Every time I call customer service it is the worst service ever. They are just blatantly rude. I'm so glad to be done with this company. I would NOT recommend anyone to EVER finance a car through Regional Acceptance!!!! They are a complete joke!

I went to a dealership and got a car. They suggested that I use regional experience so I did. They use a floating interest rate which at first is OK then they jack it up to 18.9. So the car I bought broke down so I called to make a deal for a lower pay off would not even work with me. So I sank 4000 into the vehicle. A year later the car got totaled so I called and let them know that the insurance was going to pay and my gap insurance would be taking care of the rest. Regional did not do their part for the insurance paperwork. Instead started calling saying they were going to ruin my credit and calling and calling every time I explained the insurance thing. Never ever use this company. They are rude and jerks.

This company operates like a crime family. I had a late payment in January 2009. I've asked them to remove it in a goodwill letter. They refused. When I had the loan they added an extra $25 to the payment. So I just paid it off. They are scumbags and rip off people along with the dealerships. It's the only negative on my credit reports. I just bought a new Harley last year at 3.9%. They were charging me 22%. This company should be investigated by the Attorney General.

This company is a scam and Bogus con artist which does not comply with the lending or consumer laws. Federal Trade Commission will be notified also. This company charges too much interest and is not equal to pay off principal. Over five-year contract the Loan is still $23,990. The contract was for 66 months - total cost of vehicle was 24,500 with 3,000 dollars down. If anyone can help me please email back. I would greatly appreciate it.

Poor customer service. Poor representation of any organization. Charge overprice fees and hidden fees. Regional acceptance is not in the business of assisting people... they are in the business of burying consumers in debt!!!

Received a loan with a interest rate of 21%.. After 2 1/2 years I gave it back with free will. At that time I thought the headaches was over. Now just 2 years later after giving back the car they came after me and sued me for $9000. They are garnishing my wages now at $125 a week. That is more than what the payments were. I would not recommend to use Regional Acceptance.

I purchased a car in Humble, TX at a dealership in 2011. I was told I had to give the salesman an extra 500. He was going to split it with the guy from regional acceptance in order for my loan to get approved since my credit wasn't very good... Now it's 2015 and I still owe 15,000.00... I just found out they charge 7.00 for each day you're late including the late fee. If anyone finds a lawyer to represent them please let me know. No telling how many people they have pocketed money from telling them they can't get approved but if they pay extra they can get the person at regional acceptance to approve them.

While I'm currently in bankruptcy, I'm trying to redeem my car. Regional Acceptance repossessed my car without permission from the bankruptcy court and never gave me a phone call while I'm in bankruptcy. Now they are giving me a hard time trying to get my car back. Just nasty and dirty, breaking all the bankruptcy laws. I had to result to getting a lawyer to get my car back. He said he has never seen anything like this before, these people are breaking the bankruptcy law. I will also be suing them for mental stress and anguish. I'm in total distraught of the whole situation. Hope I never have to deal with a company like this again.

I got arrested, had to bailout & get a lawyer. Needed 6 grand for both, it made me two months - 3 months behind in all my bills. Everyone has work with me about my bills to catch them up except regional, they repo the car. I'm a disable veteran.

I financed a 2011 HHR LT in 2012. I was late a couple of times. I was offered an extension each time not knowing that I was being penalized with interest. My interest rate was 17%. I have paid $13,000.00, but my statement is showing that I'm still owing $17,000.00 for this car. Where did my $13,000.00 go? I should be almost finished paying for this car. The blue book value is only $8,000.00, per Regional Acceptance I've only paid $2,000.00 on this car in three years.I found out how much I've paid in total after trying to refinance this vehicle through a company offered by CREDIT KARMA. I will be contacting Lexington Law firm.

I received a car loan from regional acceptance 4 yrs ago with a huge interest rate...I still owe as much on the car as I did when I bought it! I cannot get anyone to help me and after pleading with them for months to change the payment date because I am retired they refused until it was too late. Any car dealership using them should think twice before allowing people to get sucked in by this company. Their practices should be illegal.

Regional acceptance is very ridiculous in obtaing a loan. Me and my roommate went down to wyoming valley motors two weeks ago and applied for a loan. Due to my credit I was unable to obtain one so my roommate signed a loan for me and I was a co signer. But the dealer told us that they got approval for us by regional acceptance and we paid a deposit down on the car and took the delivery on a 2010 ford focus with 27,000 miles on it which was good. After having the car for a week the dealer called us back and told us that regional acceptance decided that they weren't going to finance us. After I had an interview with them a week later on the phone and since I told them that I took a car back to a buy here pay here place due to the car needing several thousand dollars of repairs, they said it was a repo in the last six month. How can they refuse me a car loan after taking delivery on it and it didn't state that they have thirty days to change their minds on the contract. This contract was legally broken and this will result in a class action lawsuit when I get a hold of a lawyer.

I needed a good vehicle, Regional Acceptance came through when no one else would. My credit scores were poor due to some bad decisions, other finance companies were not willing to finance a car without a large down payment. Regional financed a 2 year old Jeep for me with a small amount down and fair monthly payment. Yes the interest was high, expected with poor credit. Customer service was great, never a problem. I had the loan for 6 years and never missed a payment, now it's paid off.

I had to file to file bankruptcy 9 years ago when economy changed drastically and my small business could no longer survive. I am repairing my credit and decided to upgrade my transportation now that I've been on my job for 8 years. I purchased a car and Regional financed it. I made my first two payments on time early even. I also got engaged to be married about the same time that I purchased the car. I knew that the wedding was going to be costly and based on my budget I also knew that I would need to skip a payment in order to make it work. I contacted the 1800# and they directed me to my local office. The representative in the local off said that it was no problem and even congratulated me on my pending nuptials. Mind you I had never been late, always early with payments.

I had a couple very slow months at work, as a result I had to choose not to pay some bills so that I could make my car payment. My phone was cut off so I was only able to communicate with Regional Acceptance via email. I had tried to make a payment online but my payment would not go through. I couldn't figure out a way to add or change a payment account online so I tried asking via email if it was possible. Regional Acceptance refused to answer my question because apparently the answer to this question is considered private information. This went on for many weeks.