Credit Acceptance
Reviews and Complaints

Little did I know I was signing into terms, that were not accurately provided to me and had additional hidden fees. Fast forward a few months I had 2 unfortunate back to back situations that caused me to be late on my payments. As a responsible consumer I reached out to notify them of my situation to see if there was any assistance they could provide. Initially I asked if the payment could be moved to the back of the loan because typically that’s what auto loans usually do. I was advised the company doesn’t do that and all they could do is break the payments up. I spoke several times to someone, who then assured me my account was in good standing, but then I just received a letter stating if I’m ever late again they will repossess the car without notice. I don’t know what type of practice that is but this has been one of the worst financial decisions I’ve made, I truly regret it. I hope others have better experiences though.

I called about this car loan yesterday. This has been fraudulently done with my information. My son Eric Dollar is responsible for this. He has been trying to open multiple accounts in my name. Do not send anymore money to him! I am submitting the information you requested my driver's license, social security card and 5 signatures. You may contact me at [protected]

I opened a car loan in 2016. The car broke, and they told me my warranty ran out. The dealer Norwich Dodge told me they were rolling the balance into another loan. In short, they lied put me on the other loan, and said I surrendered the car which I never signed anything saying. They gave me another car. Needless to say, I am now getting garnished for the loan and do not have the car anymore. This is putting financial stress on me and I now drive an older car as a result. How can you and the dealer do this to people? I trusted this company. Your company need not be in business.

This company is far from being professional I am in a situation my motor blew in my car is for 2007 Toyota all together with interest the total came to $12,700 I paid over $8,000 for the car the motor blew it got repoed I offered $1,000 payoff the Blue Book on it's always like $7,000 they wouldn't take it so I filed two complaints with the cfpb and the Better Business Bureau I wrote the Attorney General I wrote the Senate I wrote a lot of people I'm not going to stop some people just give up and quit but I'm not I'm working at this full force there are so many violations they violated the law with a lot of things first and foremost truth and lending that is very serious violation I am going to hire an attorney and I'm going to sue this place and I'm going to sue the credit bureau too I'm going to get whatever I can get out of these people they completely made my life hell it affected me mentally emotionally everything I could be doing other things that need to be done but not I have to sit here and work with credit acceptance is sickens me but I'm going to work at it and I don't care if it takes 30 years I'm going to do this and I think everybody else needs to too they have a class action civil suit currently from cfpb in New York State Attorney General they already paid $27 million to Massachusetts

I've been placed under a FRAUDULENT contract and instead of hearing the incident out they (Credit Acceptance Corp) open and closed a claim without my consent then proceeded to put Two Late payments upon my consumer report. As a Company that Comply and Follow the 15 USC 1605 "Truth in Lending Act" of 1968, they Willingly and decided not to comply with 15 USC 1605 "T. I. L. A" by ignoring my concerns, Physical paper, Rescission Notices and Phone Calls. This is Highly Unprofessional from a company that are Furnishers of Information to Credit Reporting Agencies. Through this Formal Grievance I the Consumer is Still Looking for a Cure of:

- Deletions of Item (2014 Honda Civic Lx) Contract for being a Fraudulent Contract

- Reimbursement for 6 months of Payments under this Fraudulent (Total of: $2,700 including) and $700 For Down Payment

-To Delete Any and All Reports that involve this Fraudulent

Contract with Credit Acceptance Corporation.

Around July 2020 I lease and 2017 Chevrolet Equinox payments were $472 a mouth for 48 months I paid 22 months I ask Credit Acceptance for copy of lease in March of 2022 so I can see what was my Balance so the car could be paid off its December of 2022 still have not got a copy of my of my lease every time that I call they will place me on hold for almost 2 hours to tell me they sent it I ask them to send it email they refused in August of 2022 the truck reported needing a engine it been 39 reports since 2017 for the same reason engine I have to get engine repair which was reported 5 times threw Carfax I since then lost job and have no Transportation they never took off deposit amount of $3000 I paid 12,912 in payments when report on credit report payments never goes down when adding up finance charges the payments amounts are not adding up to what's being reported on credit report also they never started reporting until September of 2020 to credit report the never took off the 3000 down payment to fishy and fraudulent what are they trying to hide why are the nothing reported from the start.

My car got repossessed on October 17, 2022 and the way the car left my house I didn’t get it back the same way first I had a black and gray Columbia coat in my truck that was stolen then when I first bought the car, the car sounded quiet. You couldn’t even hear it when it start up now the car sounds like a truck. It is not riding right and none of that plus the key they gave me is not working for the ignition. I could put the key in the ignition but it would not turn the car on or off so they they me to get a diagnostic, test to reprogram the key when I shouldn’t have to do that because I’m paying a car note every month for something I can drive now. How would I get to work if I cannot drive the car to pay for

Credit Acceptance

Thomas N. Tryforos

Mr. Tryforos,

Re car purchase/Repairs

On July 8th of this year, I went to momax dealership in Lafayette Indiana, and purchased a vehicle that credit acceptance financed. It was a 2013 Nissan pathfinder. I went to dinner afterward and that’s when the check engine light came on. I tried contacting the momax dealership they didn’t answer they were gone. I tried taking the vehicle to Nissan on Saturday they couldn’t look at it. So Monday morning, I took it in and found out the transmission was bad and the catalytic converter was too. I immediately called the momax dealership they promised to take care of the car along with my windshield that they promised when I bought the car. We live 70 miles from the momax dealership this is my only car. So, I asked for a loaner I was put off for weeks until I showed up at the dealership.

I do have documentation for all this, including text messages to back up I tried to get this fixed immediately. When we showed up on August 1st , 2022, after repeated calls and text messages giving us the run around a credit acceptance representative was there and made arrangements to get my car fixed at Nissan. Not the dealership but your representative. During the course of the transmission being replaced within 30 days, the catalytic converter was also bad, along with the trans cooler. The warranty company refused to fix the trans cooler. Its keeps the transmission from overheating. No one wanted to cover the catalytic converter. I had no choice but to get it trans cooler fixed at @35% interest. I have called credit acceptance multiple times, and it seems like every time I call, I get a different story. I am sure you can pull records of my calls complaining about the car.

This last time Nikki from credit acceptance told me that if I could provide that the catalytic converter was bad within the first 30 days, you guys would fix it. I worked diligently to get this paperwork. Now I am being told it couldn't be fixed. That I put too many miles on the car. Well, I live 70 miles from the dealership, so, of course, there are going to be miles I have to drive home. Nissan is an additional 30 miles. I feel that all this was a waste of time. How is it that you can waste my time making promises you don’t keep and don’t hold dealerships responsible for selling faulty cars? I again have complained several times to credit acceptance and the warranty company.

I really felt let down this time as my hopes again were raised I could get my car fixed. I do not have the $3000 for the catalytic converter and shouldn’t have to pay for something I just bought. Since July 8th there has been over $7,000 has been put into a car, which is about what the car is worth coming from Nissan. We don’t want another vehicle. We want this one fixed. We have put an additional $1500 into the car like tires, batteries, rear brakes so on. Is it so hard to ask for my car to get fixed? I am so frustrated. There are still repairs, including my windshield, that still need to be addressed, and the dealership has not honored the commitment.

Tanya Kuritz

[protected]

My account number is [protected]

My brother, Clarence Frederick Lockwood, illegaly signed my name to a car loan for a chevy traverse. The website they gave me to file it under is not valid! I called you and complained about it earlier today and they gave me the non valid website. I filed a complaint with the FTC fraud division and I will file one against your company for giving me a false website to file under.

I am writing in regard to the problems that I had with Credit Acceptance and the financing of my car. The original price was around 5,900 and the interest turned out to be over 4,000.00 for a car that was not even safe to drive. The dealership worked put a SID device on the car which ruined the electrical system and caused me to get shocked by the car. I had physical injuries and wound up in the ER, etc. My bills have been in the thousands. On top of this, the car was malfunctioning with the driving, and I was losing control. When I called the dealership, they would not let me fix the device or replace it since CAC financed the car and would not give them permission. I have had to pay for a car that is unfixable and is too unsafe to drive. The car also had to be welded back together after the mechanic at the dealership did some work on the struts and the tire was going in sideways making the car unsafe to drive. All of this was brought up to the dealership and Credit Acceptance, but no one cared, and they kept calling me to make payments, etc. saying that my credit would be ruined if I did not pay the car off. I had to pay for a car that was too dangerous to drive and pay excessive fees, etc. I feel that there were violations of state and federal consumer protection laws & consumer finance laws. Physical damages &medical bills. I am asking for a return of the money that I have paid to them. 15USC1605. Evidence: Pics of device, medical records, bills, payments, etc.

9/17/2022 hd recovery repo car exactly 2 months car payments, radiator overheats, service engine condition light on, repairs alone cost $[protected] car total loss insurance company worth $520-1600 not worth pour much in 160,000 entire front end smashed everything replaced, no guarantee radiator won't overheat even w/ new one in cause all vehicle damages, also vacuum leak idle very loud sound rpm very high doesn't sound good could internal engine trouble, 3rd time check eng light came on, plus no temp reading on dash board,

CREDIT ACCEPTANE GRIEVANCE

Kelly Geister

878 Jefferson St

Prescott WI, 54021

715.338.1057

[protected]@gmail.com

Date: 9.16.2022

Credit Acceptance

Silver Triangle Building

25505 W 12 Mile Rd, Southfield, MI 48034

Subject: Chevy Tahoe Dispute

To whom this may concern,

I write this letter to inform you and to seek resolution with a situation that I am facing with your company. It is a problem that is generating significant worry and that I have not been able to solve without bringing it to your notice. I am a subsidized legal guardian for the County Pierce, due to the nature of the unique demands of my family dynamic, I feel there has been a breech in contract, and a failed attempt to accommodate my special needs that are protected by law and legislation.

My name is Kelly Marie Geister, I have Autism, Attention Deficit Hyperactive Disorder, and other comorbid psychobiological learning disabilities. Late November in 2020: I was looking to purchase a vehicle for the first time, and with near perfect credit, $5,000.00 cash down (guaranteed to principle) and I purchased and additional warranty coverage that was promised with service provisions. The series of incidents that lands myself into writing a grievance letter, is my dissatisfaction I now have learning that this company has zero protocol they are enforcing in the aid of the learning disabled, economic or medical deferment.

From the very first appointed payment I had been left to understand how so many issues were happening behind doors I had no access to understand. The Auto-pays (set up with my L.A. Social workers) kept fluctuating (due to the Credit Acceptance network and 3rd party terminals) and faulting my accounts initially but with much time spent on my end to rectify these issues I was hopeful that all would level out.

I disclosed to the Fraudulent dealer and dealership (both still certified and a part of this agency’s roster) that I am told that Credit Acceptance is not responsible for the guarantees made, however if this Dealer was speaking on and entering me in this contracted financial institution…I believe this to be ‘Acting Under the Color of The Law.”

The Department of Agriculture, Trade, and Consumer Support (DATCS) and The American Disability Act (ADA) advocates for legislative policies that reinforce companies to be ‘inclusive’ in their policy and procedures for those with disabilities. Especially, protection against price gouging and predatory lending on top of the lack of provisions for the learning comprehension and corresponsive disadvantages and other accommodations not being met.

I am required, in some cases, especially- contractual, that I must disclose I require additional accommodations with comprehensive analysis and executive functioning before I sign high-impact contracts and I am learning this means nothing to some businesses that are unaware of their establishments legal responsibility they should carry in regards to complying with particular civil rights.

I was guaranteed by said Dealer, that this Dealership, your Agency, and the 3rd party warranty company would happily meet my needs of ongoing comprehensive support and will work to reach my satisfaction. This initial 3 hour conversation was recorded and still all of the guarantees made on behalf of all departments involved have yet to be made. I am willing to send an audio copy of proof if that is required for this Agency’s determination of resolution of this grievance.

I also directly disclosed to Credit Acceptance that I had learning disabilities and over the first initial several weeks of this transaction I was exhausted from the bureaucratic mix ups but somewhat satisfied with how the Credit Acceptance receptionist had eventually helped clear-up some of the residual account issues. But so many unilateral issues came with this transaction and I soon learned I was on my own. Something I am all too familiar with as a neurodivergent adult… But in my adult life I have learned to advocate for myself and other’s like me through identifying my ‘Rights’ to companies that may not know of their legal responsibility to fulfill ‘inclusive” service.

The more these concerns made head the more this company disregarded my needs for comprehensive support. I was given misinformation and poor direction on so many phone calls. not only did I not understand the mess that was beginning to unfold, I was not given any equitable direction to determine what options I had other than to simply comply with the payment portion of our contract.

I felt like my only option was to be forced to pay for a faulty product sold to me by an endorsed dealership and with my poor cognitive ability to comprehend how to navigate this Agency towards clarity of said subject matter.

As stated, I am a subsidized legal guardian and this alone takes up nearly 90+ hours a week and with this also came a plethora of confusion on the payments end and how these payments would be effectively made after the routing methods were not working.

Initially, I was teamed with a few resourceful Credit Acceptance Reps that understood Autism, ADHD and my other special needs and began to assist me to uncover options that would help rectify these concerns. I did everything this company informed me to do that could potentially rectify said issues. Yet still, the bank assured me the dilemma was not on my end of this endeavor and to inform them of when my new line of credit would come in the mail. Over that time, things were beginning to get back on track and I felt the bureaucratic mix up was getting better.

Then I spoke with a manager to attempt to further progress in understanding what was actually happening with billing and the snow-balling issues with the postal service, change of address (that directly affected my auto-pay with my account that this said manager was denying) so we could finalize a solution…only to be scoffed at and mocked. I am not dramatizing the events of this particular- phone call- that ultimately led me to conclude this company is not in standing with my Rights.

Instead, I was met with disregard and was told that he had no evidence in his notes of anything I “claimed’ was happening over the entirety of my possession of the Tahoe and that, despite my banks involvement in attempts to rectify) I was callously informed that the ONLY way the payments were no being made was because I simply didn’t have it in my accounts…which only proved he wasn’t listening or reviewing the notes of this particular account or any evidential thing I was politely explaining.

This transaction has drastically affected my credit and other connecting institutions. This vehicle came with significant undisclosed damage. I purchased an ‘unusable’ extended warranty from a silver-tongued Dealer that had been fraudulent and I have asked for assistance with these matters as well to no avail.

I have recently purchased a new vehicle from a reputable lot and I was informed that with my near perfect credit at the time of sale with Credit Acceptance, 5 k down and additional warranty purchase that my rates and interest were predatory and there was zero reason for me to need this “type” of lending to begin with and he couldn’t understand why this route was taken by Deals With Wheels and Credit Acceptance. This Dealership’s Financial Department informed me they refuse to use Credit Acceptance for the very same reasoning I am experiencing. They were even more astounded that my disclosed learning disabilities were not accommodated.

I raised this matter informally by phone with Credit Acceptance, multiple times over the duration of this transaction, but haven’t been satisfied with the outcome. To date, there has been no reasonable attempts to investigate and resolve said concerns, and due to my learning disabilities and how “out-of-control” this has all become; I am clinically impaired to execute executive functioning and correspondence effectively…Verbally.

After my most recent stay at Sacred Heart hospital September 1st through the 4th of 2022 (connected to said disabilities that have been exacerbated by a head injury and concussion I sustained Aug 4th of 2022, I am no longer willing to operate under our contract due to the unilateral advantage of this Agency continues to sponsor.

Call to action and Follow Up

I propose this Agency reclaim said vehicle with no additional or impending affect on my credit and that I ask that this Agency rectify past damages made to my financial credit and all connecting institutions that correlate. I request no financial compensation or any monetary value lost; however, I would greatly appreciate the removal of the previous and current effects of this mess to fairly consolidate and repair my account and how it has been reported to the credit during this discord.

I would welcome the chance to talk on a recorded line through with a specialist from this agency who has an understanding in assisting those who are learning impaired, at a convenient time and place in correspondence to this formal grievance. I shall be grateful to be relieved of this circumstance, debt, and faulty product. Thank you for your review.

I would like to rectify all concerns as stated above, if these concerns cannot be resolved and the return of the vehicle with the stipulation of rectification is not feasible; I would then like to mediate this matter with the assistance of my County and Disability Case Workers Robin Peskar, Megan Rabittoy, and my attorney Phillip J. Helegeson.

Sincerely

Kelly M. Geister

The Americans with Disabilities Act (ADA) became law in 1990. The ADA is a civil rights law that prohibits discrimination against individuals with disabilities in all areas of public life, including jobs, schools, transportation, and all public and private places that are open to the general public. The purpose of the law is to make sure that people with disabilities have the same rights and opportunities as everyone else. The ADA gives civil rights protections to individuals with disabilities similar to those provided to individuals on the basis of race, color, sex, national origin, age, and religion. It guarantees equal opportunity for individuals with disabilities in public accommodations, employment, transportation, state and local government services, and telecommunications. The ADA is divided into five titles (or sections) that relate to different areas of public life.

In 2008, the Americans with Disabilities Act Amendments Act (ADAAA) was signed into law and became effective on January 1, 2009. The ADAAA made a number of significant changes to the definition of “disability.” The changes in the definition of disability in the ADAAA apply to all titles of the ADA, including Title I (employment practices of private employers with 15 or more employees, state and local governments, employment agencies, labor unions, agents of the employer and joint management labor committees); Title II (programs and activities of state and local government entities); and Title III (private entities that are considered places of public accommodation).

CONTRACTUAL INCAPACITY THE AMERICANS WITH DISABILITIES ACT

Abstract

The doctrine of contractual incapacity allows people with mental disabilities to avoid their contractual liability. Its underlying premise is that the law has an obligation to protect people with such disabilities both from themselves and from unscrupulous people who would take advantage of them; mental incapacity provides this protection by rendering certain contracts unenforceable. The Disability Rights Movement (“DRM”), however, has challenged such protective legal doctrines, as they rest on outmoded concepts about people with mental disabilities.

This essay argues that the mental incapacity doctrine undermines the goals of the DRM and the legislative goals of the Americans with Disabilities Act. First, the doctrine reinforces stereotypes about people with mental disabilities, contributing to the negative social construction of disability. Second, it contributes to the social exclusion of people with mental disabilities, as the threat of contract rescission discourages commerce with people with mental disabilities. Third, the doctrine unjustifiably imposes a requirement of rationality upon transactions entered into by people with mental disabilities. Finally, the doctrine demeans people with disabilities by shielding them from the risk-taking that is an integral part of life.

To mitigate the harm caused by contractual incapacity I propose that the doctrine be restricted to people who were subject to a plenary guardianship when they entered into the contract. Such a restriction is an imperfect proposal, but it strikes a better balance between the rights of people with mental disabilities and the mental incapacity doctrine than currently exists.

Recommended Citation

Sean M. Scott, Contractual Incapacity and the Americans with Disabilities Act, 124 DICK. L. REV. 253 (2020).

Available at: https://ideas.dickinsonlaw.psu.edu/dlr/vol124/iss2/2

Aging & Disability Resource Center

Phone: 715.273.6780

Toll Free: 877.273.0804

Fax: 715.273.6863

I was desperate to purchase a car with a disability and needed transportation to doctors. Signed with CA 22% interest rate and now able to get a better Financial Institutions with better rates and payments, but sabotaged by Credit Acceptance and when trying to speak to the rude Agents that a Supervisor granted Forgiveness during the COVID/Hurricane Sally disasters, have allowed the Forgiveness 1 time payment with 2 years of interest fees to be attached to my account that did not show up until getting another company to assist me with the car payment I will be comfortable with on Disability and a Senior! The payoff will not fulfill the months left in the contract with a 22% interest rate so therefore, have added this payment and to make it look like I do not pay on time faithfully that Regions Bank will confirm that payments are paid each month on time through Bill Pay, and the other Financial companies could not proceed! They have made 3 times as much as the car is worth with my payment and the payoff that was offered to get out of their clutches!

My 84 year old Mother purchased this vehicle and financed with Credit Acceptance appx 4-5 years ago. She has recently been diagnosed with dementia and unable to drive and is on a fixed income. She contacted Credit Acceptance to work out an agreement for the car. They were not willing to help in any way. She is paying 26% interest or more for more than 4 years and the none of the money has gone towards the principal for this loan and the vehicle will never be paid off. The engine blew due to a recall item and she was without a car for over 4 months. I am her Son and contacted Credit Acceptance to ask for a settlement to pay fair trade in value for the car. They were unwilling to consider my deal and said it will go to auction. The representatives were very rude and unwilling to compromise. I do not recommend this company for anyone to finance their vehicle. It is a shame to take advantage of the elderly!

Please help regarding this.If you can get me into another car that would help my family so much . please read the forwarded email. The car I bought was completely molded. didn't know until after purchase. Will you want to put your family in this vehicle? I did ask if I can purchase another repossessed vehicle and was told no.I do not mind paying but to be charged for this car with no help from the dealer and or finance company is not right. I expected more from a financial institution than you have to pay with no recourse for the consumer. If I can purchase another vehicle that you have that is waiting for auction that is better than a molded one. This acquisition will be greater financially for credit acceptance as beneficial for my family as well as I will pay more than an auction would give.Maybe this is something you can incorporate into your future plans as it can become lucrative. Thanks for your response as well. I understand the agents have a protocol to follow and a script. But it's not working as this vehicle was driven twice to the store before my wife got sick in it. PLEASE HELP.

I purchase a used vehicle from Carmax on 6375 S Semoran Blvd, and I feel that I was served an injustice, they got my loan financed thru American Credit Acceptance who is charging me 26.66% which is an extremely high interest just because I have challenging credit, which means that I will be paying double the price of this vehicle for a used vehicle, which is absurd!, How can this be fair to treat anyone like this, make them pay you double, why did you even accept me in the first place. Therefore, I was lured into this very bad deal called "predatory lending." Predatory lenders exploit people with very high interest rates, excessive fees, no verification of the borrower's ability to repay, repeated refinancing of the loan and hidden loan terms such as enormous "balloon" payments that the borrower can't pay. Under the federal Truth in Lending Act, lenders must inform applicants in advance about all terms and costs of the loan, including the annual percentage rate (APR). Therefore, I will because I feel that I have been taken advantage of by a lender, I am going to immediately contact my state lending or banking commissioner, or my state attorney general and the federal Office of the Comptroller of the currency or the Federal Deposit Insurance Corporation for advice on filing a complaint. By contacting the proper authorities, I will establish a paper trail for my complaint and help regulatory agencies identify abusive lenders. The Truth in Lending Act (TILA) is a federal law passed in 1968 to ensure that consumers are treated fairly by businesses in the lending marketplace and are informed about the true cost of credit. The TILA requires lenders to disclose credit terms in an easily understood manner so that consumers can confidently comparison shop interest rates and conditions. And I was not provided this opportunity thru the dealer at Car Max and I am very upset about this intentionally deceptive practice. I know that my credit score is challenging, but that does not give you or anyone else the right to make me pay double the price for a used vehicle, that some people do not pay for a brand new vehicle. Lenders must provide a Truth in Lending (TIL) disclosure statement that includes information about the amount of your loan, the annual percentage rate (APR), finance charges (including application fees, late charges, prepayment penalties), a payment schedule and the total repayment amount over the lifetime of the loan. Common sense might tell you an older vehicle costs less, but the truth is older vehicles tend to come with higher interest rates than newer ones. And this is how I feel in this case, if I am going to be paying double price for a car, I might as well have gotten a brand new card.