Regional Acceptance Reviews

Regional had called me about my car payment, so when I call back to speak to a live person I get nowhere. When they had called me they hung up the phone. You don't treat clients like that. I am very upset and want to talk to a manager.

Ever since I got my loan with them. They always say it's been mailed and never got it.

A couple years after bankruptcy, I wanted to buy a good car. I went looking and found a car I liked but my issue now was my credit. The dealership was able to get me approved through Regional Acceptance for a small down payment. Looking at and READING the paperwork, I knew I was going to have high interest. It was something I was willing to accept in order to start repairing my credit with a larger loan. I've had this loan for a couple years now and have never had an issue with Regional Acceptance. I've made sure to pay on time for at least my minimum payment and have even made a double payment one month verifying the extra went towards my principal. When I've called twice, I never had an issue with the people I spoke to.

1) This is the worst nightmare financial company known to man. They're liars, call from fake numbers. They'll call you multiple times a day, 7 days a week - yes, even on Sunday up to 9:30 at night. 2) Within 30 days past due, they're searching for your car. Within 2 months your car will be towed. If your car is towed, you will NEVER see it again. If your car is towed, they demand FULL loan payment, so you better file bankruptcy, get another loan to pay this loan off, or hire an attorney.

Most incompetent group of college of Pseudo-professionals I have ever done business with. AVOID REGIONAL ACCEPTANCE. My wife and I financed a car with Regional Acceptance. Worst mistake I have ever made financially. We never missed or were late with a payment and the car was destroyed two years later in a natural disaster. We had comprehensive coverage and two different gap coverage policies with different companies. The car was paid off by our insurance but Regional Acceptance added a 30 day late payment to our credit report.

We were financed through Regional Finance in 2012. We have had some difficult times and got behind on our loan. When attempting to rectify the situation, Regional Acceptance refused our money and threatened me with a felony.

I have had the loan since 2010. High interest yes, but I agreed to it. I have also never missed a payment thankfully. They have never called, bothered me, double billed or anything out of the ordinary. I have since bought a car through Ally Bank, real low interest, and there was no difference between the two banks other than interest. I am selling the Regional car this week and if anything bad happens during the transaction, I assure you I will update this review but so far I am satisfied with Regional and would use them again if my credit can't get me any better as long as the sale goes through alright.

I co-signed for a car loan for my son. Even though he is the principal driver, if the payment is even 1 day late, I start getting phone calls from several different people. I have received up to 4 calls in 1 day. That includes Sundays and late evenings. Last Saturday, I received 2 within a minute of each other. The next day was Sunday and I got a call from them at 7:03 p.m. I was in the hospital for a week for cancer removal and treatment. Even after being told that by my wife, they still continued to call me. Talk about heartless.

Between planet suzuki and regional acceptance, I'm paying 30,000 dollars for a piece of crap car. Even with a cosigner (that had Excellent credit), I still have high payments and high interest. They are blood hounds and don't care about how useless the vehicle is.

We are paying this high interest but was told a lot of lies. I am praying and God's going to take care of me and them. Karma! Their day of judgement will come. I am a disabled Vet with PTSD and they took advantage of me and the situation. So many of the things I have read they have done to me.

The only way to send a message to this company is a Class Action suit. If you have a car loan with Regional Acceptance the facts are simple. You have paid years of high interest payments. Reading the other comments of how the car loan was sold to you is accurate for all of us who were lied to in the beginning. I actually had someone at Regional Acceptance ask me if I had been lied to in the beginning by the car dealer. So even the people that work at the company know that car dealers are misleading consumers.

I was recently divorced when I needed to purchase a car. Regional was there when my credit was so messed up due to divorce. Now I feel like I have been tricked into thinking I have skipped a month's payment. Can't find out when. And their phone calls are so rude and cold, brrrr. Still trying to figure out a way to keep my car due to 1 month behind.

Regional provided me with a service, when no one else would. YES, I have to pay a ridiculously high interest rate and deal with constant phone calls if I am one day late, but its what we signed up for. I went in with all eyes open. However, I wasn't counting on the car sucking. It's a 2007, which I bought in 2008 and it has had nothing but problems and costing me $$$$$$, on top of the high monthly payments. I really made a deal with the devil because I was advised by the dealer at Mazda, that after 1yr of payments, I would be able to remove my co-signer, which after about 5 years of payments still hasn't happened!! (Which was not done in writing anywhere!) So I would have a car, grandma would be out of the equation and I would pay it off until I die. So, now my 87-year-old grandmother has to get these phone calls when I am not on time. Come on Regional! If I've been paying for 5 years with occasional lapses, please ease up on an ol' lady!!

I made perfect on time payments. They took two payments in one month and refused to credit back THEIR mistake. THEIR mistake made several of my bills go unpaid for a month. They steal!!!!

I took this from their website as a part of the company mission statement: "Regional Acceptance Corporation is committed to creating the best auto finance company possible, the best of the best, by prescribing to honest and ethical lending practices, transparent business dealings and an unwavering respect for the laws that govern our business, the customers we serve and the associates who keep our business moving forward. In concert with this commitment, we will strive to maintain a corporate environment that exudes the characteristics of honesty, integrity and mutual respect, whereby all individuals, regardless of their relationship with our company, are held in the highest regard."

Due to my injuries with the war, I was forced to retire which meant surrendering a car that I have had financed through Regional Acceptance. They refused to refinance and so I surrendered my car loan. I was told Brooks ** would call to set up the surrendering of said vehicle. Now it is three months later and STILL no call back from Brooks **, nor am I able to file a complaint with his office, and no one will return my calls from his office. I DO, however, get repeated phone calls from the collection agency department of Regional Acceptance on both my cell phone and my home phone. This is harassment. After seven years of faithfully paying on two car accounts THIS is how they treat a customer who due to WAR was unable to pay his bills. Thanks SO much you worthless company and Brooks **. Brooks, I don't know what you are doing, whether it is being on your Facebook or hanging around the water cooler but call your clients and DO YOUR JOB.

I purchased a car from AutoNation that was finance with Regional Acceptance. Regional Acceptance is trying to charge a late fee. This is my very first payment with them. I did not receive a statement from RA until 10 days before the payment was due. I called to change the due date, I was told I had to make a payment first then they will change my due date. Now I was told I had to pay a late fee before my due date can be change. WHAT LATE FEE? We are starting off on the wrong foot. I'm not a happy camper. Will not recommend any family, friends, co-workers, church members, etc... to Regional Acceptance. RIP OFF!!!

My son purchased a car with his dad as a co-signer. RA called my son asking numerous questions about me. They wanted to know where I worked, how much money I made, etc. I am nowhere on the loan and in no way responsible for the payment of this loan.

I am a disabled veteran and I have a car that is financed by Regional Acceptance and asked for a deferment. I asked for 60 days and when I went in to sign the paperwork, the acct rep said my next payment was due in August which was 60 days but in all reality, it was 30. My payment is almost $800.00 a month and 1 month and 2 days behind and they want to repo my car. Since the bank is closed on Monday, I told them it would be Tuesday before I could make the payment. They said no, that is a new month and it would be double that he wanted on Tuesday. I really don't know what to say, BUT THEY ARE CRAZY.

After being accused of being behind on payments, for which we are not, again which seems to happen every couple of months because nobody there can seem to remember arrangements made, they begin to call at work daily and sometimes multiple times a day. I even asked that they don't call me at work, yet they do anyways since nobody still annotates that I've told them not to call at work. They took it yet another step too far. They called my sister and her in-laws! First, it's none of their business. Second, what the hell do my sister's in-laws have to do with my car loan?! Absolutely ridiculous! I will not do any further business with this company. I will refinance with someone else, use it as a trade in to get out of this loan and finance that one with someone else, or tell Regional Acceptance where the damn truck is so they can pick it up. The keys will be in it.

I have a car loan that I took out with Regional Acceptance and due to unexpected medical bills got behind in my payment. I set up a payment plan for the overdue balance or so I thought. I received phone call after phone call regarding the overdue amount and always spoke to someone different telling me payment arrangements were set up only to continue to receive calls daily from them. Finally got to speak to an account manager (or so they said) and just like all the other times was told that there was no record of my payment arrangement. The person was extremely rude like all the rest were and would not accept that I was at work and could not talk. After setting up yet another payment arrangement and have a payment taken directly out of my checking account, the very next day I am still receiving calls. And they didn't even take the right amount out! This time they were calling to set up arrangements again! Second time I called today, they said they were noting the account to stop calling but just received another call! This is now harassment. This company needs to be put out of business!

In 2010 I financed my vehicle through Regional Acceptance. I put $7000 dollars cash down on my car which was $22900. My loan was then for $15900. I have made 30 payments at $500 a month. A few months ago I lost my job. For the first time in 3 years I fell behind in my payments. I asked Regional Acceptance to grant me a deferment which one of the representatives said they will do for 2 months as losing your employment is one of the conditions they grant deferments under.

After almost four years of paying $552.14, Regional Acceptance repossessed my car! In December 2012, I began to get calls at home, work, my mom's, my daughter's, and anybody else who was somehow connected to me, even after requesting that I only be contacted on the number I provided. The representative was rude and would not allow me to respond to his accusations. But the fact that my account was being reported as being three months late because for three months I failed to pay $0.14 was a red flag! So for 42 cents, I was labeled delinquent?

I needed a car and I went to a Mazda dealer in Coconut Creek, FL and the special finance guy said that with my credit problems, he had a great company that after a year would refinance and lower my payments. Guess what? A year later, they tell me they don't refinance and the interest rate is the worst, so I owe more than the car is worth. Nobody will finance and these clowns lied to me from day one. I have tried to work something out with them and they will not even talk about it - So stay away from this company if buying a car and don't believe the person they have sitting in the dealerships.

This GARBAGE (Regional Acceptance) that has the nerve to call themselves a bank are nothing but money sucking leeches!!! I don't understand how it is possible for them to steal hard working Americans’ money legally!! I had a previous repo back in 2006 when I was 18 years young and doing stupid things. So getting a car loan was nearly impossible, until this "bank" came along and sweet talked me. I purchased a 2007 Nissan Altima back in 2011 for about $18k; after taxes and title purchase, the final price was $21k which I know was a STUPID buy. But I did not want a brand new car because I wanted something cheap that I would be able to pay off fast. They wouldn't let me get anything older than 5 years and every other car was more than 20k! So I decided to take the Altima.

Please never use them for anything. I pay on time and they still call and harass me. My balance never goes down, I am in the process of trying to trade the car in and let someone else take over my loan. They are rude and disrespectful. They call 10 to 15 times a day. They are the worst lending place ever.

I had purchased a truck with every intention to make the payments by working additional jobs to make the needed money to make the payments. Even with the little extra coming in the enforcement of the new health care law and the increase of the federal taxes, it became very overwhelming, which left me without transportation. The end result is I found someone to acquire the payments and have the truck put in their name, which the finance company agreed to, which seemed rather easy. After of almost of a month of the transaction of the new individual acquiring the truck and truck payments, RAG still continues to harass me for payments. My next step will be to contact the attorney general of Texas to assist in this matter.

I've had my car loan through them and it's been nothing but trouble dealing with them. The customer service is the worst I've ever encountered in my life. They hung up on you and refuse to let you speak to a supervisor! I never had an experience like this! The supervisor make promises even in writing and do not follow along with their promises. I would not recommend this place to anyone!

This company couldn’t care less about your financial status. You can't even be 30 seconds late with a payment, and they are calling a couple times an hour everyday all day till you make the payment and then even calling after a payment has been made. We have been threatened with repossession even though we've never been 30 days late. They have even refused to take payments from us and were stating that we are refusing to pay. We are like others - how is it that payments are being made, but the balance isn't going down? This company is rude. They yell at you, lie to you, and even call you names over the phone. Do not go through these guys for anything.

Regional Acceptance Corp begins calling the consumer, the consumer's relatives and anyone associated with the consumer prior to the due date of the loan. They have numerous employees call several times a day - whether at work, home or even cell phones. I have notified them to contact me in writing only, yet they continue to call and they yell, cuss, lie and have no regard for professionalism or their client's welfare. They also seemingly always post late charges whether payment is late or not. This is by far the most pathetic company I have ever dealt with in 51 years.

I was forced into Chapter 13 bankruptcy in 2009 in which Regional Acceptance was paid $6200 for the Blue Book value. In April of 2012, I was unable to continue working and applied for SSI for disability. On Dec. 12, 2012, the bankruptcy was dismissed and Regional Acceptance called me and said that I was not under bankruptcy protection anymore and needed to revert back to original contract or pay off the loan which was $3400. I had to rent a car because I had an appointment set up for Jan. 2 to talk to my lawyer and told them I felt since that was not that far away that I should do that first.

My wife has a car financed with them and they call 15 to 20 times a day 7 days a week. They call my job, call relatives, they are rude and will not let us refinance the car for a cheaper payment. They keep saying they are coming to pick up the car. You call them to tell them you will make a payment next week, that you can postdate or promise to pay and they laugh at you on the phone. They say vulgar things like "you are cheap," "can't take care of your own problems" and that your problems are not theirs. A lawsuit needs to be filed with this company and reward the customers for having to put up with their **.

The first issue is that I have been making payments on a four-year loan for two years and the $18,000 loan is only $17,000 when it should be $10,000 based on the payments I have been paying! In addition, I fell behind and ran out of checks. I tried to pay online and they would not allow me. I tried communicating online and they stated they could not discuss my account through email. I have had to have over $800 in repairs on the vehicle, which made me fall behind because the payments are so high. I am tired of being ripped off.

I paid my loan off last year and recently applied for a mortgage. I was shocked to discover that my Regional Acceptance status now shows open and repossession on the credit bureaus. It's my only negative entry on my credit report and I have tried to have this error corrected for 10 months but the company refuses to make the changes. They keep blaming the credit bureaus. I have filed a lawsuit. Do not do business with these people. It's been the worst business experience of my life.

I took a loan out with them 5 to 6 years ago. I couldn’t afford the $500 a month payment they approved me for, so I called them and asked them to please pick up the vehicle. I understand that this would hit my credit as a repo, however, 6 years later, I pull my credit and they have it listed as open/revolving/unpaid.

On June 26, 2011, I purchased a vehicle with a car loan approval from Regional Acceptance Corporation and I picked it up on the 30th of June.

I was unemployed and fell behind on payments. I was very uneducated about how auto loans work and Regional Acceptance has kept me in the dark about it. In the past eight months, I have paid them around $4,100. My balance has gone down $239 during that same period. I thought you could just keep making payments and it would be applied to the principle. They did nothing to notify me that my money was being wasted; and on my paper bill, it shows that I owe no late fees. It's very misleading. None of my bills show late fees due, even though I have had a past due balance the entire time. If my money isn't being used to pay off the car, then I want a detailed account of where it is going. I've learned my lesson the hard way. Companies should not be able to steal people's money this way. They also charge $10 every time I make a payment; but they have made that the only way I can make a payment. They have suspended my internet access, which would allow me to avoid the $10 service fee.

I manage to get my original loan corporation (Muncipan Credit Union) to buyout Regional Corp for my auto loan. The fact is that they seem shady and attach other fees to my account after I promptly notified them of any late payment. The loan payment was excessive at 300 (dollars) a month, adding to my own expenses. However, my original loan company paid them in full for all finance charges and fees.

I am currently 38 days past due on my car loan account. This lender calls me on a daily basis at least 4 to 5 times per day. I speak to them maybe twice a week to explain my situation, have been unemployed for 14 months, just recently began working again and need some time to get caught up. They still call the very next day, even after I give them a date that I can pay.