Credit Acceptance
Reviews and Complaints

I am currently making payment on car that was fiance threw them . I had my repo several month ago n i got it back but now. They saying. I still owe for the repo fee. So i am still paying on that plus trying to catch back up . Now my car got hit in the back of thr car . My insurance company want to send the hold thing to them . But i want have the car no more n still will have a remaining blance that. They said i would have to pay after the insurance pay them . But the catch i want no car at. All am. Going carless or get refiance and put another down payment. Which i do not have .

I had an arrangement with credit acceptance in september to pay for a payment which was authorized by them to make repairs to my car due to bad gas in il from bp. This arrangement was completed in october with a payment of $584.00 and I received confirmation from them that the amount was paid. I then received notice in november that my original payment amount of $314 was reinstated. However, this company with drew the amount of $414 and my bank refunded the over payment but credit acceptance demanded that I pay the $414 and wait for them to refund the over payment. I then made my payment of $314 on line but refused to reinstate the auto pay due to their mistake. The customer rep told me she was going to put in my file that I refused to pay. Then in december, january and february I started getting calls of up to 8 times a day demanding that I pay before the due date. I made my payments on line and on time but I am being threatened and harassed with legal action and repossession when the payments are made. This company has a bad reputation and needs to be put out of business and those harassed and threatened should be compensated due to their bad and deceptive business practices.

To begin, Credit Acceptance, the company that financed our vehicle did not send us a Right to Cure letter which is required in the State of Missouri. If this letter had been provided to us, it would have given us the 10 day opportunity to avoid repossession and the additional damages that we incurred at the hands of an Agent contracted by them to secure our vehicle.

Days after redemption payment had been made, we did receive a letter telling us our car had been repossessed and who to contact for information to redeem it, but nothing before the car was picked up.

County Wide Auto Recovery Services repossessed our car on 8/29/2012, redemption debt paid in full on 8/31/2012. An agent at County Wide told us when we called [protected] that we could not pick our vehicle up on that day because the office closed at noon and set an appointment with us for the following business day.

On Tuesday, September 4, 2011, We went to 1600 Heritage Landing, Suite 108 St. Charles, MO 63303 as directed by Credit Acceptance (finance company). We were told that we would have to pay $50.00 for possessions in our vehicle that they DID NOT STORE and to make matters worse, our navigation system, several car chargers, adapters and other misc items had been stolen out of the car.

The police were called and officer Liermann of The St. Charles Missouri police department was dispatched to the scene. A police report was taken but that is just the beginning of the legal action that we are going to take to expose County Wide Auto Recovery for their unethical, deceitful actions. The police officer who took the report also questioned the company owner about not completing an inventory of the items in our vehicle when they repossessed it. Their response was, because the owners were picking up the car, they did not feel as if they had to. We have also learned that the company does not have an active business license in St. Charles Missouri which makes our experience more disturbing.

Dianne Lyman is the owner of County Wide and has not heard the last from us! Any legal assistance would be appreciated in an effort to sue both Credit Acceptance and County Wide Auto Recovery services for their illegal actions.

Julie who is a legal assistant in the Credit Acceptance Legal Department has taken the high road, saying they are not responsible for the theft of our items and have tried intimidation tactics using email to quiet our complaint.

It won't work!

This company, the people who call you are awful the way they do business is terrible. If you get behind ONE payment they really punish you i started out with a 325.00 payment with a lot of interest for a truck bought without looking around stuck in a hard spot rushed into something i wished i would have not done, My payment went from 325.00 to 458.00 i can drive a damn good car for that. They added on late fee's for 12 months and have not one paper breaking anything down nothing to show only been told what i have to do. They can have this truck i can only pay what i agreed to pay on my contract plus a late fee if late. Can these people jack you up like this. I plan to check this out with a attorney just don't seem right. I contacted corporate about the harassing calls they would call me and my payments would be already made i have been thru hell with these idiots i reccomend not doing any business with this company you'll be very disappointed and very pissed off at yourself. I do know when they repo your car or truck they take them to be auctioned off seem's they would rather have people making a payment instead of taking a lost amount because i know i would'nt pay the difference of amount owed that was lost at the auction!

This company was yes willing to help me due to my credit issues, but the finance charges are totally insane. I purchased a SUV in 2008 and still have 2 more years on it and I am well passed the vehicle's value amount. The placed a device in my vehicle that will shut it off if the payment is late. My payment is due on the 19th, 10 days after with no payment is automatic REPOSSESSION, no questions asked. They call back to back 5 or 6 times a day! Talk about harassing! Why keep calling if what I have to tell you doesn't matter anyway. Word of Advice to anyone. It ain't worth it. If Credit Acceptance offers to finance you, RUN, RUN, as fast as you can.

I bought a car through credit acceptance and what a bad decision it was. i had my car a year and i have already had a new transmission put in and thats was just after having the cartr for a month. i have had my starter replaced three time. my engine has been leaking oil in three different spots and my fuel pump is gone out.

These people have no feelings for you at all, especially if your are having a difficult time financially. I have just recently lost my job and don't have any income coming in just yet. I got on the phone and called them immediately and told them that I had just lost my job, and would they be willing to work something out with me. The customer service person was very nasty to me saying that they were not a charity company, and that they want their money. Basically, what she told was that she doesn't care about my current situation. I have had my car repossessed and I'm not sure if I'll be able to get it back, since I don't have all of the money that's needed to get it back. What ever you do, please don't deal with them(Credit Acceptance) because they have no loyalty to their customers during them terrible times of hardship.

This company starts calling on your due date, 3-7 times a day, never knowing anything about your account when you call. They turned off my GPS device I WAS NOT LATE yet the paperwork does not state anything about shutting my car off! In PA it is not late unless its 30 days late. They are harassing and nasty when they call you. This was the only credit company the dealer had available.

The company is reporting inaccurate information to the credit bureaus. They are reporting that I was late with my car payment on December 2010 and January 2011. This is not true, I have never being late on my car payments. I actually pay my car note ahead of time. I noticed the errors January 2011 when I requested a print out of my account and I noticed the late payments that was charged and removed. I called and was ensured that it was not reported to the credit bureaus. When I pulled my credit report in April 2011, I noticed that on credit report it was reported that I was late also 90 days (December 2010, January 2011 and February 2011). I disputed it with all three credit bureaus and I called the company and disputed it with them also. When my TransUnion dispute came back as not changed in April 2011, I contacted the company and left a message for a manager. A manager called me in April 2011 and informed that the information has been changed on their company to reflect that I had no late car payments. He also assured me that it has been updated with the credit bureaus and my credit report will not show any more late payments. I applied for a credit card and was denied, when I pulled my TransUnion credit report, it was still reporting late but this time it was reporting 60 days late (December 2010 and January 2011). I called the company on Monday May 16, 2011 no managers was available so I left two messages asking them why they are still reporting false information to the credit bureaus. Nobody has called me back. I spoke to a TransUnion manager who informed me that the company is still reporting my payments has being late. Every time I call, there is never any managers available.

Credit aceptance is the worst company ever! i paid my loan every month on time like a decent person. so i pay it off EARLY and what do they do? the wont release my title to my car?! well they kept saying that that would fax it over but did they? no? do they think people are ***? it takes 5 minutes to fax paper work.. not days and days. the customer service there is horrible. i wouldnt recommend going through this company to my worst enemy. be smart DONT GO THROUGH CREDIT ACEPTANCE.. you WILL regret it!thanks for your time!

The representatives were very rude and impersonal. After explaining my situation of being double billed...they were very standoffish and defensive...saying it wasn't there fault or problem...the previous week i had alerted one of the representatives about the problem...telling him that I had paid once..therefore the funds were not available for the second withdrawal...he assured me that it wouldn't be an issue and as long as the bank was alerted it would be all right...a week later the second transaction went through anyway and put my account in the negative causing many overdraft fees...I called to inform them of the situation and all i got was unprofessional grief...both by the employee and her manager...they even went as far as to use a little ghetto attitude...which is very lame..even for me as I am an african american myself. There definitely is no reason for anyone to take things personally when in a business situation...right is right...wrong is wrong...if you do not like your job...get a new one...

I decided to buy a car and signed all the paperwork to have it set up as auto-pay so I would have no problems with the payments. The first month they decided to turn off my car because they said somebody called them and took off the auto pay. I know for a fact I didn't call them and they didn't call me. I work m-f and leave at 4am. I got into my car this morning and once again my car won't start. I can't call because of there business hours don't open until 8am. So I am screwed because I can't get to work. Not to mention my payment is not even due today. Apperently they do not care what they do to people. How am I suppost to get to work with my car if they keep doing this...?

Credit Acceptance is an auto financing company. I pay my car payment on time with them each month and never have an issue. I got a little confident with this kind of service and usually would recommend this company to my friends and co-workers as a great place to get a car loan with bad credit. I received a call from Credit Acceptance asking me if I wanted to signed up for Auto-Pay and I agreed seeing as they explained it would make my life a lot easier not having to do anything on my end each month. So I keep a separate bank account for just my car payment each month so that this kind of thing doesn't effect my other bills, in this case I'm thankful I did, and had the money for the payment in there on the 28th. Little did I know they charged my account 5$ more then they stated they would be charging giving me an overdraft fee on the 4th of April. I then called in to pay my payment even though at the time said they have received my payment and it would not be necessary to pay again. After I stated the overdraft issue they were confused and I paid anyways. Just today the 12th of April I received my second overdraft fee for the same payment even though as I stated before I called them to clear it up. They said it charges your account twice? WTF WHY would they charge a bank account that does not have money in it a second time? They said its designed that way... for what reason would you want to access two 30$ fees to a loyal customer? If I didn't have money in there in the first place what are you going to accomplish by charging twice? I called them and explained the issue and they couldn't of cared any less. Heads up guys!

My husband and I had our car repossessed and we only owed 295.00. CAC got our car towed ( well the tow guys drove my car instead of hooking it up). We had to pay the tow bill over 300.00 bucks plus 295.00 to get the car back. These are horrible people. We even told the people that it would be 3 days before we could pay the 295.00 b/c we get paid every two weeks. These people need to be put out of business. I am thinking about a lawyer at the moment to get my tow bill money back. If I was 800-1000 behind I could understand but they could not wait 3 more days until we got paid. I would highly reccommend people NOT to got thru CREDIT ACCEPTANCE. THEY ARE RIP OFFS. I am going to trade this car in for another vehicle that is not thru CAC.

Sincerely,

Stephanie Blevins
Benton Ar

They harrass you constantly! Non-stop calls at home/work/cell, sometimes 10x per day for me and the same for my wife daily except Sundays! They have no customer service to help you and you can't understand anyone on the phone! Also, if you want top make payment arrangements, you can only do it 21 days prior, EVEN if you want to make automatic payments for months ahead of time! They rip you off! That's their way of getting you for interest! DON'T EVER USE THEM!

This company apparently would rather repo your car then get there money. They obviously outsource there call center so the people there have no idea what they are talking about, more less they are just reading off of a screen when you call there. Heed all of the warnings here Do Not Get A Loan with this company. I promise no one is alway 100% on time with there payments as much as that would be ideal, if you had the money you would have paid for the vehicle with cash. Please rethink your purchase or get a co-signer.

In February 2007, I purchased a vehicle through a local used car dealership. The loan was through Credit Acceptance and problems began almost immediately. My payment agreement was set for 406/month. At that time, I set this up to as an auto draft on my bank account. The company that processed these payments for Credit Acceptance was TruPay. When the paperwork processed at the dealership, the total bi-weekly payment came out to 188 (45 months bi-weekly payments). Not long after that, we recieved a letter from Credit Acceptance saying that there was a mistake made and they needed us to call. I called and was told that they needed to change my bi-weekly payment to 203. I inquired about the every third month when on a bi-weekly schedule, there would be an additional payment scheduled, would they just ignore that payment or would I have to pay this additional payment. I was told then that there was no way to set up the account to stop this payment. I requested a detailed payment schedule from them to include these payments and showing the change on the pay-off date with this included in the mail. I never received so I never approved the increase in the auto draft.
Now we are in February of 2011. We knew that our last payment was due the end of November, 2010. The last auto draft came out of my account November 26, 2010. In December, 2010, we recieved our payment book in the mail (1st time we have ever gotten a payment book). There has been no other mail recieved from them requesting us to contact them or stating any monies were in default. Got up this morning, February 9, 2011 and my car is gone. It has been repossessed. After going through two different representatives with the company, found out that my contract had ended, all principle was paid but there was still outstanding interest due of over $600.00. The first representative stated the amount was 627, thirty minutes later and another representative it was 676. The reason they are giving for the auto draft stopping with money still due was because the contract was over and the principle had been paid.

I have not received any information from them in the mail since November with the exception of my coupon book (again - received after the scheduled pay out date). We have previous to this received numerous letters including the one in February of 2007 to let us know that they were changing companies that process their autodrafts and misc. other items. At no time, did we receive any information from them that the account was in default and at risk for repossession. They have stated that they made numerous attempts to reach us by phone (a number we have not had since 2009) but no attempts on our secondary number which is my husbands cell. I have verified that they did not mail anything to us. They apparently do not handle business that way (we sure do have a crap load of other letters from them-some based upon this loan and others are advertisements). Now we owe not only the interest but an additional 250.00 repossession fee and we have one day to pay or the car goes to auction.
Needless to say, I have spoken to an attorney today who has informed me that the only way to get the car back now (today) is to pay what they are requesting. He is, however, going to look into the case to determine if there are any legal issues and feels as though the information I provided over the phone could in fact, support my claim that there is lending fraud involved. Once I meet with him, if he determines fraud was involved, he will be representing me. If I just let the car go and fraud was involved, they could be forced to pay the total amount loaned along with any interest paid. The problem is, I have to come up with another means of transportation until this is resolved and really cannot afford to do that right now. So they have you where they want you and NO, I will not let this drop.

I have had my 2004 chrysler pacifica financed with credit acceptance for 3 years and always paid 10 days after my due date which is the 15 of the month but have always been told that I had a maximum of 15 days. I recently had neck surgery and was out on short term disability so my paycheck got pushed back until 01/28/211. Thinking I was ok on making a car payment 01/29/11 however they repo my car and are charging me an extra 240.00 to get my car back over misinformation I was provided by this company. I will never deal with this company again! I strongly advise anyone against getting a loan from this company.

I purchased a vehicle from this dealer on 12/4/2010 and he assured the vehicle was in good condition. The day after purchasing vehicle I began to have several problems with the vehicle from the brakes squeaking real bad to loud popping noises in the wheels. I approached the dealer about the issues and basically brushed off and told that there was nothing wrong with the car. I decided to have the vehicle inspected by a mechanic and found out that the car is falling apart. The transmission is bad and slipping, the brakes need to be replaced, the ball joints are bad and subject to go out anytime, it is hard to steer the car when turning, burns excessive amounts of gas (sometimes you can smell gas vapors in the car). I went to talk to the dealer and again he told me there was nothing wrong with the car and threatened to call the cops if I did not leave. His financing charged on his vehicles are very high. he is taking advantage of people and something should be done ab out this guy.

This complaint is concerning one of the dealers that they are partners with. Upon speaking with them about the issue I was just told to take the car back to the dealer. I would still be responsible for the loan, the dealer will not take the vehicle back.

This company is horrible, there customer service is the worst. I called to make a payment while at work, didnt really have time. All i needed was my account number, and they wouldnt give me my account number, Im trying to pay them, and there were being so disrespectful, talking over me, while im trying to explain why I dont have time, then they are sitting there explaining to me that the conversations are being recorded, cleary showing all to no care for athority, and aspect of what it is to run a creditable business. I told the agent I believe her name was april, was she trying to collect money for the company or make them loose money, she just continued to talk over me. The people companies higher and make customer service is rediculas, they really need to up there standards. They woman makes me not want to even deal with this company at all. To just cancel my whole nature of business with them, they are totally awful...