Credit Acceptance
Reviews and Complaints

On the day before New Years, I meant to call Credit Acceptance and explain to them I would be making my payment this up coming Wednesday. My car payment was 12 days late, previously they had disabled my vehicle I had called them and they would work with me and turn it back on. I have spent the last 4 months trying to fix up my bills from shattering my knee cap in August. I didn't work again until November and workers comp gave me just enough money to drop 200.00 on my car payment then the rest a week later. In the course of December, epic events occured... there was a horrible ice storm which prevented me from getting to the office and to make matters worse I slid into a pot hole and broke my rim. I told the lady I spoke to a week ago about my problems and I was told to pay just the 59.99 I owed and things would be okay.

Whelp, on New Years Eve at 4:10am my car was repossessed and to make matters all the more worse... I was never given any warning or any chance to try to drum up the money. They constantly called me when I was at work on my cell phone, I'm not allowed to answer my cell phone at work. There was no voicemail stating my car is going to be repossessed on the next business day. They then, closed their office for the entire weekend. The driver took all my belongings that were in my car with the vehicle. He called me 8 times but like most people I had my phone on silent at 4am and was passed out asleep.

Now it is monday and the first business day, I have been on hold waiting to find out the info for getting my car or my stuff out so that I can figure out what to do. I have been on hold for an hour, what the hell kind of company is this? The car was a 2000 Pontiac Grand Am that was acting up like crazy, I had to buy a new battery and 2 tires for it since May. The car has been acting up, the radio didn't even work when I got it and ever since the second week I owned it, the car leaked out trans fluid. The warranty they gave me wasn't even accepted anywhere near my home.

My husband purchased a truck through a local dealer who put him with this Credit Acceptance, what a JOKE. We have never been over 2 days late or most pf the time a week early and they call starting the day of the due date, and they call 15-20 times a day, even after calling them and telling them when we are paying this. I find out today that they are in INDIA WOW and most them I speak to I dont understand and they are VERY RUDE. This is our final payment to them, and thank god for that. I hope for their sake I get the title. DONT GO THROUGH THEM.

I decided that I wanted to trade in my 2001 Dodge ram for a more suitable family car. I contacted Sheere Chevy and was told to come down and have a look at their used inventory to see if I could find something I was interested in. I told the salesman that my new wife was also interested in trading in her car as well. Long story short they told me that they could give me $6, 000 for my truck in trade which was the pay off, and $1800 for my wifes car. She was unable to trade in her car because her father's name was on the title and he wouldn't allow it. So I said that I would be still glad to trade my truck in. We went into the dealer on Saturday so they could look at my truck for appraisal. We picked out a 2004 Chevy Impalla SS. It had around 84k on it and looked in pretty decent shape. I told them I wanted to drive the car over the weekend and take it to a mechanic. We came back to the dealer Monday and were told that due to a lower credit score in the high 5's we were't able to get traditional financing. I told them I got into my truck with 0 down with the same credit score. They said don't worry we could get financed through Credit acceptance and our payments would be around $300 per month. They said they needed all kinds of paper work, bank statements, pay stubs, references, etc. Long story short we ended up having to put $400 down despite being told that my truck was good enough. We gave them a voided check and they said that we would be on autopay that way we didnt have to mail out monthly payments. 2 months go buy and my wife wakes me up saying that they are repossessing our car. I went outside and caught the tow driver and asked what was going on he said we were 2 payments behind and he was taking the car. I told him wait he's not taking the car I was going to call the bank. He told me if we didn't let him take the car that the bank was going to want $12000 to get the car back. I told my wife to sit in the car and wait, I told the tow driver to get in his truck and wait while I called the bank, he continued to hook the car up and said that the cops were on the way. I used to repo cars so I know the laws so I told him there was nothing the police can do it was a civil matter (only the Sheriffs dept can step in with a court order) when I asked the tow guy his info he told me he didnt have to tell me because my name wasn't on the paper work and refused to ID himself due to privacy laws. He then proceeded to tell me to "Go ### yourself" and got in his truck I called the bank but they weren't open for another 20 minutes. The cops showed up and asked what was going on and I explained the situation to them and he asked if I saw the repo order and I told him no, nor did he provide ID. My wife was sitting in the car and the cop said that he had the right to repo the car and I explained that I knew the repo laws and he did not have the right to take the car since my wife was sitting in it. He talked to the tow driver and I over heard him say that there was nothing he could do that I clearly knew the laws and he couldn't bluff me to give them the car. The tow driver agreed to drop the car and said he would get it in an hour anyway's so wipe the stupid smile off my face. He proceeded to drop the car and the cops left. My wife was able to get in touch with the bank and they proceeded to tell her how dare she sit in the car with our son and how dare she stop the repo etc she was in tears by the time she was off the phone. I called them back and spoke to a manager and explained we were supposed to set up on auto pay and they should have called or sent a letter. They said sometimes the dealers don't follow through and it was an easy mistake. They took 2 payments via western union. Our payment this month (Dec) falls on a saturday and my wife doesn't get paid till Monday. We are 1 day late and already have gotten 2 calls the rep said there is no grace period and they can call the next day. I told them she doesn't get paid till Monday but our payment was mailed out Thursday and they should receive it today or should have gotten it already. She said it takes 5 day's to get it but we are all set. After reading up about these people I see it was A HUGE MISTAKE getting involved with them. The repo company was an even bigger joke (American Lenders) I complained to the owner who apologized about the drivers action even asked me if I'd be interested in future repos with the company. Either way CAC is a joke along with there small print

I set up auto pay for my car on october 13, 2010 a month before the new auto pay was to take affect. Somehow the auto pay skipped the first payment and it was doing the payment for November 20, 2010. Well needless to say my car was repo'd on Nov. 15 for November's payment.. Called and spoke with numerous people know would help me. Left the sup Eric Armstead numerous messages and was told yeah I got everyone of them I didnt have to call you back because the answer was not gonna change... WOW great customer service Huh! Yeah I cant wait until I am threw with them they are a rip off and Poor Poor Poor Poor customer service!

never failed to make my payment on time...one month I needed to make my payment a little later.. I called credit acceptance ..spoke with a very rude person that kept repeating the sme thing overt and over..So I went to the local dealer where I bought the car..David Fish called the credit acceptance corp. and told them I was getting the money from the bank to pay of the balance in full..but the loan was taking longer than expected. she ask when could I make a payment...I said on the 15th before the business day was over...She said ok, but it must be there by then. My payment was due the 1st day of each month...I was told I had a 15 day grace period... On the 13th(2 days earlier than I was told I had) the repo. man came and took my car...What I was told on the phone and on my contract was a flat out lie! Then I could not go to the impound yard to get my car, , , their was a fee for that...It left me with no choice but to lose my car...all the money I paid and my car was gone...this is a crooked company!

I purchased a 2004 VW beetle from a small car lot, the car is wonderful, couldn't ask for a better vehicle. They financed me through a company called credit acceptance. Since then the lot went out of business . 07/01/2010 I sent them $2, 171 as my final payment. I still have no lien release. On four separate occasions after sending the money I was told repeatedly that they were sending the release every time. I tried my best to keep my calm but they just weren't helping me. the post office looked into it for me and said that it was never even mailed. So I called and got angry immediately asking for a supervisor. Wouldn't you know it... the only thing she could do for me is try sending it again. I had the idea of having it sent to a different address, I chose my fathers house. After waiting ten more days I was unhappy to find that it still did not make its way to me. Today is 11/17/2010 four months and seventeen days after I paid the car off. This is my seventh conversation with them. I was told once more they had no idea why its not getting to me and the only thing they can do is send it again . The Post Office said they're not even receiving it to be mailed. This is were I stand. The only number for them is the billing dept. They wont give me the other number. Somehow when the lady that i talk to hits the button that says send the lien release its not making the connection for me and they dont want to help me resolve the matter other than just "sending another one out" . These company buildings are thousands of miles from me, am I supposed to drive to them and make the connection for them?

Bought a lemon 2005 Jeep Grand Cherokee with 78, 000 miles from U-Save Car and Truck Rental and Sales off of Hwy 501 in Myrtle Beach, May3, 2010 always on time with my payments. Took the car back six times before warranty was up concerning my brakes, I even left the car so they could fix the brakes and A/C button which only worked when turned on HIGH, they never touched my car, it was leaking brake fluid the whole time I had the car. U-save did nothing to help me, the car started jerking in September 2010 and got worse so I had to not drive it as much I left it parked in my garage. Then it started leaking transmission fluid November 1, 2010 took the car to Mieneke they put the diagnostic machine I waited two hours until they finished with my car the diagnosis: TRANSMISSION was no good and needed to be replaced, the brake were CHEAP and BAD, TRYING TO SHIFT TWO GEARS AT THE SAME TIME, LEAKING TRANSMISSION FLUID BADLY & BRAKE FLUID. Called U-Save Car Sales talk to the new manager nothing. I called Credit Acceptance they didn't care they just wanted their payment. Bottom line is I had the car almost 6 MONTHS, I told Credit Acceptance I wasn't paying them another dime for a car I couldn't DRIVE and to come pick it up. CREDIT ACCEPTANCE and these FRAUDULENT DEALERSHIPS work hand in hand the dealership pretend to finance you a certain amount and Credit Acceptance the other half and they got you. YOU REAP WHAT YOU SO. I'm NOT DONE they can't get rid of me that easy. See pics below

i was 17 days late on payment. i had the car 10 months the car spent more time in the shop then i did driving it. and then i told a representative at credit acceptance i was going to be late because my check was lost and had to be reissued by the state. They repossed the car with only 17 days late on the payment. They also did not give me the 24 hr notice as required by law by credit acceptance.

We purchased a used SUV from a dealer in March of 2009. We knew that our credit was in dissaray, so we weren't too surprised at the interest rate (25%). We were told by the salesman at the dealership that in order for us to be approved by the lender that we had to have a checking account so that the payments could be debited automatically. That was not a problem. All of our payments were made on time until I lost my job. The loan was only for 2 1/2 years. It wasn't until I couldn't make the June 2010 payment was I made aware that they had the ability to disable the car. The salesman never explained that to us. I called Credit Acceptance on June 23rd to inform them that my payment would be made in a few days, the rep said "okay" and we hung up. I received a call about 4 am on the 24th from a manwho stated he was from Credit Acceptance and that he was outside about to reposess my vehicle. After speaking with him for a few minutes outside I gave him the keys to my car because he didn't have a flatbed tow truck and I didn't want him to tow my car on a whell-lift tow truck. I asked him where he was located and tole him I'd be there in a couple days. After speaking with C.A. they told me I had to pay an additional $325 to redeem my vehicle. I eventually mde the payment on the 30th. After going back and forth with them I was informed that my car was about 2 hours from my home at the auction site (I still made the June payment in June). After contacting the auction site, they informed me that I would need a tow truck because the transmission on the car was no good. I never had a mechanical problem with this vehicle. I had to go back and forth between the repo agent and the auction site to try and determine who was responsible. I decided to contact C.A. for same assistance. The rep in the reposession told me that any damages that occurred has to be handled by me and that they "had nothing to do with that." My position is that if the repo agent was acting on the banks behalf then they are responsible as well. Nether the repo agent or the bank wants to hold responsibility for damages that occurred while in their possession. I Had to pay over $1300 in repairs and towing and now I have to fight to get my money back.

credit acceptance is a rip off. I bought a car from them, it is payday car.i got sick and fell behind. so i call them .Everytime you try to explain situaiton all they know is reprosession.The suv i have the note was 386.00 a month got behing they waned $500.00 amonth and now they want $600.00 I cant pay that i have to live anfd have other oligations.I realize i am bejind but $600 on 1999 car is ridicilious.Now the car needs ovet $2000 worth of work.I have been paying th $600 but its not going to work for me. And dont miss an aggrangemet they cant wait to say you defaulted your pmt arrangement.

My fiance and I have had problems with Credit Acceptance since day one. After the first month, we were told that we were late on a payment when we were told by the "loan officer" that we were to be given a 15-day grace period. This had went on for a couple of months and at many points we were about to lose our vehicle. This past June, we had our vehicle repossessed by Missouri Repo Company and had it lost for about a week. When my father had paid the money on a Monday, we could not get our vehicle out till that week on Wednesday because the vehicle had already sent it on transit to an auction house in Earth City (by St. Louis). We called on a Tuesday to pick up our vehicle, but they had stated that they could not do anything because it was a Tuesday and that was their big auction day. When we had our vehicle paid, it should have been brought back to us, and instead, it was sent to an auction house. We had a key given to the repo officer, and when my fiance picked up the van, it had no key attached to it. Missouri Repo had kept the key, and we have eyewitness reports that the vehicle was driven out of our subdivision, not towed off. Now we have more fees attached to our account than was previously stated, they are charging us for the key that we had to get because the repo company had kept the key, saying "we didn't get a key", and more fees keep coming up. If anyone had any info that can help, please let us know, and if someone you love or pal around with has bad credit and is referred to Credit Acceptance, tell them to run away. They have screwed us and many hardworking Americans for a while now, and we don't want anyone else to fall under them.

I didn't like this company from day one. The so called customer service was ridiculously rude with the exception of maybe 3 people. (In the almost 20 people I talked to.) Their guidelines seemed shady, but I figured it was meant for people rebuilding credit so I dealt with it. I was told by the dealership that I HAD to get GAP protection and an extended warranty through Credit Acceptance in order to be financed, so I did. Little did I realise that once my car needed to be fixed of course nothing was included in my warranty. Partly as a result of that I ended up in a wreck with my car. It was deemed totalled and I felt ok about it because I knew the car wasn't worth the amount of the loan, but I had GAP protection. Or so I thought... My car was wrecked right around the payment due date of the month and the insurance was sending them a check. Once they received the check from my insurance company they were suppose to send paperwork to the GAP department to take care of the remainder and it would take 7-10 business days to process. I called back two weeks later and nothing was sent to GAP, but they said they would 'send it today'. I called a week later to check on it with the same results. This happened 3 times before they actually did send the paperwork. I just received a letter in the mail stating how much GAP was sending a payment for and realised it leaves me with a $1250 balance due! When I called I was told it was because the GAP department doesn't pay past due payments. With the exception of the payment for month I wrecked my car the whole situation was drug out 2 months because they didn't do their job to send the paperwork until over a month later. Now I am stuck with a bill on a car I don't have because those rude employees can't do their job. NEVER GO WITH CREDIT ACCEPTANCE!

I live with my parents and about 8 months ago my parents lost their jobs and we lost are home around the same time. As of recent being the sole bread winner of my family I was unable to keep up with my car payments and I missed two payments with Credit Acceptance. After many attempts to get them to work with me, I lost my battle and my car.
My car was picked up about two weeks ago at my work place. I work at a retail store and the guy that came and picked up my car came into my work two weeks later. That was fine up until he was denied the sale because his name wasn't on the business credit card that he was using. He told my coworker that I new him because he just reposed my car and I've been to his business because I had to pay him $71 to get my stuff back from my car. I walked away after hearing this. But what made things worse he was taken to customer service and he preceded to tell my boss my full name (and anyone that listend) and that he reposed my car and that I would tell them that he was the owner of that company. He said this in such a manner that all of my customers could here.
I felt that this was a personal matter and I was humiliated. I'm not a dead beat I really like to pay my bill on time and I always try to keep my word. But I just wasn't able to keep my end of the bargain in this mater. But he's just the repo guy and he did his job and I turned over my car without a fight. He has no need to come to my work place and say things like that
Not sure if I can do anything to the guy legally, but I will try. I was told by my boss that if he comes into work again and says something to me about my car he will be removed and banned. But now I'm kind of afraid to come to work, and I worry that he will show up at my home. Any advice about this guy would be great.

One day me a and my parents went looking for me a car, sure enough we went to a lot that looked crappy but went anyway because we had been searching for months. So we went to a dealer and a lady took my info ask me to pick out a car(really it wasn't any nice cars there but they was drivable). The car I had picked out had already been wrecked and had a big dent on the left side in the back it was noticeable but to an extent.

Getting to the point I was approved with 1500 down and went to sign all the papers with my mom her name was on it too due to my dad having an disability. Once finishing signing papers we had a long wait saying that the car was being inspected and that they had to make sure everything was working but it took them hours. never did they tell us that they was putting a device on the car and never told us at anytime the paper we was signing was agreeing to have the device put on there and didn't mention at anytime that it was part of the contract.

They went over payments with us and the total but skipped out on the small print that stated about the device and we wasn't able to fall behind even 2 days. We found that out maybe a month later when I had made my payment ON TIME yes ontime and they cut my car off to see was the device working thats when I found out and call my mom and said my car wont crank. we called them they said it was a test of course. I asked test what and then they explained and stated that we signed the paper I said no they said yes .we will mail a copy to you and from then on it was h*ll.

They have the car back in they possession right now, its horrible if I would have knew that no way that would have been my first car experience. Small print should be illegal making prints smaller where you cant see it or just over look it and don't mention it to you where it could be read is very misleading.

Do not finance a bicycle with these people no matter how desperate you may be. My ex-husband financed this car in my name with this company about 3 years ago. The car was garbage to begin with when the A/C went out the first week, the transmission went out at month 2 AND 3. Well luckily someone hit me head on and totaled the piece of junk after the 3rd month. Unlucky for me, I sustained serious injuries but have since recovered. Thank goodness we purchased GAP insurance for this vehicle! I was late 1 week late 1 time and the second you become late they begin to call and harass you beginning at 8am in the morning and ending at 9pm that evening. They even called Saturday and Sunday threatening to repossess the vehicle. Why I'm so angry now is that it has been 3 years since this lemon has been paid off. My auto insurance paid immediately and GAP paid soon after. I was up to date on the payment when the car was totaled. Well Credit Acceptance didn't seem to get that. They have totally wrecked my credit which I have disputed month after month after month. Finally they have removed all the lates from the account from 2 of my reports. So I thought the battle was over...not so fast. They have reported me as being 90 days late last month, and the car has been paid off since NOV of 2006! NEVER NEVER NEVER finance with these people! So now I begin the battle again. It has dropped my credit score dramatically.

On 11/19/08 Credit Acceptance, wrongfully towed my car. I only had the car for 42 days, and it was towed. According to the repo department at Credit Acceptance, my payment was due on the 7th, however I received a phone call from one of their representatives for the first time, on 10/29/08, asking me on what date I would like my payments to be due on my account, I explained that I get paid twice monthly, on the 15th and 30th of every month and that the 15th would be ideal, the representative went on to tell me that in addition i would be able to pay the bill late up to ten days after my due date, sort of a grace period. I was under the impression that my payments would be due on the 15th, with an additional time of ten days, keep in mind this is my first payment to Credit Acceptance. Now to get my car out of impound, I have to pay the first month care note to Credit Acceptance, which is fine, plus an additional payment of $360.00 to have my car released. Because of the error on behalf of their representative, not being clear on the purpose of the call, the car was repoe'd to Miami, approximately 45 minutes from where I live, I had to find my way there on my own, since I live here in Hollywood Florida by myself, and the only efficient means of commute, is by car. This puts me in a financial strain, me having to ask my employer for a pay advance to get my car, and find a way to where the car was taken to. When I called and spoke to a rep at the repo department about this, their explanation was that since the car had a locater put in it, their system automatically generates an order for a car to be repossessed, if a payment is not posted. No one did anything to help the situation, and I was being told is that 'Credit Acceptance, is not going to eat the expense of having the car towed'. This to me is grand theft.

In July of 2008 i had my car for a month made my car payment on the 1 if august, wich was my first car payment ever. Paid my note that morning. Me and my family were inside a cell phone store when we came out there was a tow truck and lady standing by my car and had it hooked i asked what was going on she said they were there to take my car. I had told them i made my payment that morning showed them the receipt she tried calling it in whom ever she talked to said it did not show in their computer she told me off went my car. The next day i called credit acceptance and spoke to a lady named audrey she told me i had to pay an extra 700.00 to get my car back. That was the first run in with this company. When i got my car back i called the audrey again and i had asked her if she could set up automatic withdrawal from my checking account she said no problem and i was thinking ok GREAT so everything was going ok for a couple of months until oct.2008 i checked my account nothing was taken out called them back they said they put it threw that morning i said fine waited a couple of more days still nothing was withdrawn. Calle back asked to speak with a supervisor said no one was available called back 2 days later asked to speak with a supervisor again they gave me to a person named Gabriel seemed she knew what she was doing was i ever wrong. She told me they never did automatic withdraw from checking accounts i asked if i could use my debit card she said no. She told me they only take western union and money gram and i said thats bull u know what! To make a long story short i still don't have my car they told when i called the 1st time i had to pay 1375.00 and now its up to 1675.00 i refuse to pay this money and i would urge anybody who wants to buy a car if the salesmen tells you the company is credit acceptance RUN!