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Credit Acceptance

www.creditacceptance.com

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2.3

Overall reputation rating based on reviews and complaints

Credit Acceptance earns a 2.3-star rating from 0 reviews and 107 complaints, indicating that most customers are somewhat dissatisfied with financing solutions.

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Credit Acceptance Complaints Page 6 of 6

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5:32 am UTC
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Credit Acceptance grand theft

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.

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mojo117
New Ringgold, US
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Mar 03, 2011 6:00 am UTC

I have a vehicle financed through this horrible company and will be paid off in nov of this yr. I recently lost my job and got behind . But calling them and tryin to get them to work with you is impossible. They only will pick you for info so they can repo the vehicle. I havbeen reemployed and sent in 2 payments . They returned the payment and still want to repo. Now my question is is can they legally do this ? I feel they have gottin so much money out of me and now its close to being paid off, they would rather repo and resale to triple profit.

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Domin0
Las Vegas, US
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Mar 02, 2011 11:17 pm UTC

To the orignal poster - When you have a device on your car so where they can track it, you have to make your payments on time every month or they will repo it. By law, they do not have to give notice that they are picking it up because you "read and agreed" to a contract that you signed at the dealership saying that you would pay it by the due date each month. They really have no legal obligation to call you as you should know when your due dates are and how much you owe because you SHOULD read before signing ALWAYS!

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Mrs Bulldog
Montgomery, US
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Dec 22, 2010 9:55 pm UTC

Credit Acceptance is terrible. I bought a car in 2006 and no longer was able to make the payments after I lost my job. I contacted the company and had them to pick the vehicle up because of my situation. A few years later, I received a packet in the mail stating that I owed the company the remaining balance on the account with interest even though the car was returned. Now here it is 10 years later and Credit Acceptance wants to garnish my wages for a vehicle that was returned to them, and was sold again! This is a horrible company.

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Daniel Torres NY
Albany, US
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Feb 26, 2010 11:32 am UTC

Customer service is horrible...I lost my job at the end of October of 2009 my payment was due on the 15th of November with a current balance of $261.00 but by the 16th the car was repoed.

I paid in 25 months of payments prior to this, and only had two payments to go and an estimated amount of $520.00 on my balance.

I called them and told them how is it they could take a car that had only tw0 payments to go. Anyone looking at the payment record would have noticed that the car was going to be payed off in about 5 more weeks instead they towed it and told me they had no way of contacting me so by the 16th they had it towed and on the 20th they sent me a later in regards to my unpaid monthly balance. I feel as if it was all planned out and they took advantage of the situation, In the whole 25 months that I had this car Credit Acceptance was always able to get in contact with me or someone in my family to ask about monthly payments, which was fine but for some reason at the 26 month of payment they had no contact info on record for me but they still managed to send out a letter 4 days after they towed the car. Not to mention I live in upstate NY and they towed my car and personal things to MA and then towed the car for auction to CT one big mess, so they wanted me to pay them about 500 dollars and I would also have to go get my personal things from MA and then pick up my car From CT and on top of that the cars fuel pump was no good so I would have had get it to towed back to upstate NY. Car was only worth about 1000 bucks. I told them they could keep the car but dont hold me accountable for the towing fees when they didn't use commen sense or even customer communication skills or service . On top of it all they sent me a letter today telling me they sold the car for 1200 dollars and due the towing and processing cost I still owe them about 500.00 bucks. Why would they ask for the same amount of money(500) if thats what they were going to get for the final payments of my account. This is so wrong they got 25 months of payments @ about 256.00 dollars plus 1200 @ auction and now they want 500.00 dollars from me. Total amount is about 6, 900 dollars they will be making and me I got no car and a notice to pay 500 more dollars. GREED, GREED AND MORE GREED is killing this country and families, it is so sad. These companies don't care about you or your family just the numbers.

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bbest
US
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Dec 10, 2009 3:16 pm UTC

I bought a car in August of 2009, financed by Credit Acceptance. I am never late, I send my payments in, even before the due date, but how odd, that Credit Acceptance is the only biller that I have, who complains about being me being late. That's hard to believe that they don't get it on the due date. Due on the 9th, I had the check made out for the 8th. They actually, called on the 10th. One month they called on the 9th. Are they NUTS? Someone doesn't go to the PO Box. I never had trouble with Chrysler Financial, I was always on time. They treat you like you are a month late, when I know for a fact, I am not late. Why is it only this company claims I am late? And they say there IS NOT A GRACE PERIOD? What in the world do you call it when they tell you that after 10 days, they will add on a "late fee?" Someone should do something about this company. I heard from a legitimate car dealer that they do not have a good reputation. I won't repeat what they call them. I am Praying for another car and I will let them come and get this one, I don't care what it does to my credit. I have good credit, but you wouldn't believe it, the way they talk to their clients. They think people who don't have a lot of money, are automatically going to be late. I just want to be rid of them. I will continue to pay my payments the way I do, and if they continue to call me, insisting I'm late. I will find out how I can deal with them, legally. The lady tried to tell me that I was late every month. Funny, the man I first talked to said they got it on the 9th last mont, Well, I sent the check for the 6th, and this month, it was the 8th. The bank sent it on the 3rd, enough time for it to get there for the 9th, even though the check was dated the 8th. I think they purposly count the payment on the day they cash the checks. This company needs to be rebuked.

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alysham
US
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Jan 30, 2009 2:53 pm UTC

I totally agree. They did the same to me except I had to drive 2 hours to get my car from where it was at they were very rude and they give you the run around about getting your car and I felt that they should have returned it to me.

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6:42 am UTC
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Credit Acceptance awful company

I recently purchased a 2002 Dodge Neon from Phil Steinle Motor Cars in Sandusky, Ohio to help prepare my daughter for her future. Had I known I was being lied to right from the start I would have never signed any papers to purchase this car.

It started off by the sales person telling me that I had to put $1900 down on a $7000 vehicle. I know my credit wasn't perfect, but she showed me an approval the day before that did not include putting $1900 down, in fact it was $1500 down. She told me it was because of the different car that my daughter picked out on the day we decided to go for it. She then told me that it was the finance companies policy that I had no choice but to sign an automatic withdrawal form to have the payments taken directly out of my checking account. I believed her on both occassions as her and my daughter attend school together, her daughter has stayed overnight at my home.

The first couple of months were fine and I never had any problems whatsoever getting my payments taken from my account. I then, in July of 2008 had an identity theft on my personal checking account. This caused the August payment to be returned for NSF. I am not disputing this at all. I did however offer confirmaiton from my bank that there was indeed an identity theft and was refused to provide that documentation. I received a call from Credit Acceptance who agreed that I could give a different account and have the payment taken from a different account (my daughters', I figured it was her car and she was giving me the money for it anyway). Credit Acceptance connected me to True Pay who I gave the account information to. I explained to her that it was an ATM account and not a checking account. She said that was no problem as long as I have a routing number and account number. I also confirmed this with my bank who gave me the routing number. I confirmed this information on line as well as with the person on the phone. She also told me that it is not Credit Acceptances policy that the payments have to be made automatic withdrawal.

The payment was then scheduled to be taken out on September 8, 2008. I watched the account and there was no activity for that day or the following 3 days. I then received a call on the 12th from Credit Acceptance (Audrey) asking me why the payment arrangements that I had made were once again returned by the bank for NSF. I told her that the payment wasn't even attempted on the 8th. She informed me that the payment that the payment was attempted on the 8th and the 12th and then changed the story to 'it was returned for a non existing account'. She then said if I can fax her a copy of the bank statement that the payment was to be taken from and can prove that the funds were available on those days, she would clear it up for me. I heard nothing back from her.

On Saturday I received a call once again from Credit Acceptance wanting to know why the payment was not made. I explained the entire story to the person on the phone. She said 'I see the fax that was sent to Audrey reflecting the money was available, however you can't make a payment from an ATM account, it has to be a checking account'. Even though I cleared this with my bank and had verified it with Audrey and another person from True Pay that I gave the information to. She then proceeded to tell me that I had to Western Union the payment, pay even more to send it that way and that also had other charges occurred because of the payment being returned so many times. She said I would have get another checking account and have the payment taken from it instead of my daughters' ATM account.

I then took my daughter to the bank, opened a checking account with her so that I could make the August payment that was due. When I returned to my home to call Credit Acceptance to give them the correct information once again. I was then told that Credit Acceptance or True Pay could no longer accept checks from me to make the payments and that I had to go to Western Union or Money Gram to pay it. I at that point refused to do this.

I called Credit Acceptance back and demanded to speak to a supervisor, I was told there was none available. I called again later and spoke with Gabriel who told me to go to Western Union or Money Gram, or I could mail in a money order. I opted to do the money order because I was not going to pay another dime for a mistake that was not mine.

On Thursday, September 18, 2008. I received a call from Once Choice Recovery that stated her driver was at my car and needed the key to pick it up. I once again ended up on the phone with Credit Acceptance arguing my case. I asked if they could give me 1 hour to go make the payment and to not take that car at that time. They stated that it was up to the driver. I spoke with the driver who of course stated that it was up to Credit Acceptance.

When I called Credit Acceptance again, they miraculously lost all of the notes that pertained to some of the conversations we had over the phone. They even went as far as stating that I never called in to give any new account information. They said in order to redeem the car, I had to pay almost $800. The August payment which is $255.00, The September payment that was just due on the 16th, and a recovery charge. I decided at that time that there was no way Credit Acceptance was getting any more of my money. They have already received $1900, plus the payments I have made so far, plus now they want a recovery fee of $300 for taking the car less than 10 miles from my home?

This company should be put out of business. In doing some research of my own, it appears that there have already been several class action law suits filed and won. It also appears that it is time for another.

I am demanding at this time that my down payment of $1900 be returned to me as well as every payment I have made toward this car. I also am demanding that any adverse item placed on my credit report be taken off immediately.

I will definitely make every attempt to get my story heard by every consumer to let them know to not shop at Phil Steinle's (you can't tell me they don't know how you operate), or get financing from your company. You are the definition of predatory lending.

If there are any pending class action law suits against either of these companies, please let me know. I will gladly join.

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Larrysmith07
US
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Mar 23, 2017 2:45 pm UTC
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I am going to recommend all people dealing with credit acceptance to contact kimmel and silverman at 1 800 lemon law. They will take care of your cases against CREDIT ACCEPTANCE. They will solve all your worries. Trust me. I get no more calls from that company.

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Nicholas Burkhead
McLean, US
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Jul 18, 2015 12:29 am UTC
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I got to experience identity theft just two months after buying through them. The company owner Don Foss was extremely rude, and threatened to kick in my door earlier today when I tried to discuss my intention to sue if they didn't start trying to resolve the discrepancies between the dealer and their customer service. The number he spoke from during the call was [protected] which seems to be a direct line (no prompts.)

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MiniMine
Detroit, US
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Aug 08, 2014 12:24 pm UTC

I hope I can sue them for reporting a debt owed to them (CAC), on my credit report when the loan was discharged with a bankruptcy.
These ### are the only debt on my credit report other than one credit card I have paid on time in full every month.
For four years, since my bankruptcy that $3, 146 has been listed as a debt to them that was written off with my bankruptcy.
I am calling my attorney today. God, I hope I can get 3 times as much back.
(Oh, and they took my car from a car lot one day before I was going to pay (I called to tell them I had the payment and the money to get it off the lot), so they got there damned collateral back already.

Oh, I see the last post was two years ago. Damn.

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Frank
GB
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Jun 24, 2009 5:03 pm UTC

Do not finance a bicycle with these people no matter how desparate 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 reposess 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.

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vefib
North Olmsted, US
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Nov 26, 2011 5:07 pm UTC

I have had similar negative experiences with this company. This company has called me a week BEFORE the payments were due. This constitutes telephone harassment and is illegal.

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gcac
Washington, US
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Feb 27, 2011 3:20 pm UTC

I am definately suing them. They are calling me asking me foir money..even though the payment isnt due

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intelligntpmp
Livonia, US
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Jul 12, 2010 8:24 am UTC
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i have one bad experience with credit acceptance and that was i had to move a payment back so i would have money to pay it, so i called them she seemed nice over the phone said everything was taken back but NEVER put the change in the system so about a week after the original due date i get up and go to leave for school, and come to realize i cant find out they turn the GPS system on in my 05 jeep and deactivate and they said they were come and pick it up the next day... i threw a fit over the phone i the lady in return started getting an attitude back at me. after like a half hour of going back and forth with the dumb [censor] she said she would fix it as a one time courtesy never once said sorry for any inconvenience or sorry for making me miss school... then she has the nerve to tell me i have to call the GPS company to tell them to turn my car back on [censor] if you ask me! so that was my experience with CAC for that was the last bad one *fingers crossed*

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quandre5
Rochester, US
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Oct 27, 2009 4:38 pm UTC

I agree Credit Acceptance has the worst customer service reps. I am on unemployment and have been since February. They told me that I would have to pay atleast $425 a month. That is almost a whole umemployment check. But I have been doing that for months. So I wanted to make that payment on the 20 of November because the first check I need for rent. They told be that I could not do that I needed to pay it on the 6th. I just paid out $450 this month. The man in collections told me that there were "other" ways to make money while I am trying to find a job. I thought that was so rude. I asked for his name so that I could call corporate. He said it didnt matter he was in Costa Rica. I could do nothing.

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kitty
US
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Apr 14, 2009 11:09 am UTC

Fair Debt Collection Practices Act. Recently revised in 2006, this law outlines acceptable behavior for debt collectors as they seek to collect money owed. For instance, debt collectors may not do any of the following: * Call you before 8 AM or after 9 PM or at work, unless you agree * Swear at you a she did telling me to hush up and be quiet * Harass you by incessantly telephoning and she did * Continue contacting you if you have notified them in writing to stop and i am going to pay even when i told her i am paying its going to take a while but i am paying * Lie to you about what they plan to do if you don't pay, or about how much you owe and she did * Made threats and thats what i am pissed about i was treated unfairly i was called 5 time on a sunday i am paying on my car payment of 74.00 a week and i owe 184 a month in a half behind! and i am trying to pay i am on unemplmet at this time i have a lawyer at this time helping me with my class action lawsult on something else and at this time i have to contact him because i am being harris by you company on a sunday 5 time the same lady i do not think this is right or fair i know my rights If i feel you are being abused by a debt collector, i can sue the debt collector for actual damages plus court costs, attorney's fees, and up to $1, 000. You can also file a complaint with your state Attorney General's office and the Federal Trade Commission (FTC). Each state has its own laws, and your state Attorney General can help you determine your rights.

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kitty
US
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Apr 14, 2009 11:07 am UTC

http://securities.stanford.edu/1004/CACC98/

go here this is the worst place i am fed up with them they call me i hang up i am sick to death oof thease people and i cannot understand when they call i guess any body can work there for 5.00 and hour

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12:12 pm UTC
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Credit Acceptance scam and cheating

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!

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Domin0
Las Vegas, US
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Mar 03, 2011 2:16 am UTC

KKSMOMMY2008 - Did you not test drive or LOOK at the vehicle you were buying? It's not up to credit acceptance to pick the vehicle for you...that is totally up to you! All they did was pay for it...so, when you buy something and borrow money from someone to buy it, you have to pay them back, whether you have the item still or not. It's your fault you bought a piece of crap, not credit acceptance's. You buy as is when you buy used.

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Dave Degerness
Stephenville, US
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Jan 28, 2019 6:56 pm UTC
Replying to comment of Domin0

KKSMOMMY2008 What are the dam paid dip sh t from credit acceptance If you and it sound like it you and CA are lower than a Snakes belly and then some

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KKSMOMMY2008
Locke, US
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Feb 26, 2011 3:52 am UTC

u know i had the same problem with them, i bought my car in oct 07, and the bad thing was my husband was deployed i needed a car and went a picked it up that night from the dealership, well to my surprise that morning i got up to go to work got on the interstate and this car was bounceing everywhere... got to work and one of the guys came out and looked, said my tires were down to the wires, so i called the dealership they told me i bought it AS IS... so i called CA they pretty much told me the same thing, so not only that but my tail light was busted out so that cost me a ticket, and 165.00 later and a lil over 300.00 for new tires, we were transfered to GA and the car was getting worse, so now with the car not turned on at all you step on the brake and it makes this horriable sound... so my folks told me to turn it back over to them and they bought me a better truck... but now CA is trying to get the rest of the bal from me and now i have to pay to have a medatoir talk between me and there attorney... i am planning on filing a lawsuit agianst them cause i turned the car back ove in jan of 09 and the are saying that i did it in april.. i wanted that piece of crap ASAP

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had nothing but problems with this company since day 1, it is a long story so wil try and summarize, 1st is they changed the due date without telling me, i signed for the 15th of the month, they changed it to the 30th, also never got warranty info or any statements for the 1st year or so, i changed the payment method to in person, they took up to a month to...

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Credit Acceptance Overcharged

When I first purchased the Ford Ranger, I was thrilled until I got it home and discovered the transmission was leaking. I called Detroit II Auto Sales in Garden City about the problem, and told me to call the credit company-Credit Acceptance Corporation. I did make the call, about twenty times and they finally said take it to a transmission repair, give them the phone number, and have them bill them. Well I must have call about 823 shops, and they all said the same thing-no way, they don't pay!

I finally had to take it a year later to a trans shop, after several cases of trans fluid to have it repaired by a very excellent repair shop in Dearborn, Michigan-Royal Transmission on Shaefer Street. I was handled with great service, and there expertise was fantastic.

The trans owner Issa, told me the trans was beyond repair, and gave me a fresh rebuild for $ 1, 300.00. I presented the bill to the credit company, and told me to go away, for they did not send me there. I told them the place's they sent me to was not going to touch the truck, without the money, and no credit from the credit company.

I have paid off the truck since, but they charged me double of the sale price, and then would not give me the title, unless i paid it off. Well it was paid off, and because they do not process payment for three days, after they receive them. I had to send a fifteen dollar money order for half of the late fees, and I would get the title by mail soon. Well I did, about two months later, and also was told If I needed them again, I could get another loan, and because my last payment was late in there eyes, they was filing a bad credit report on me.

This really set me back to step one again, and today I cannot get credit with anybody, except the harassing credit company-Credit Acceptance Corporation, and that is never going to happen again! And do not go to Detroit II Auto Sales, even if you cannot get one any where else, or you shall fall prey. For I should have listened to my gut, for once they washed it, I could see it needed tires, and a whole lot of work. And when you pick out a vehicle, they tell you the credit company needs more down payment.

Once you sign your deal and warranty, and your life away to a life of misery of constant rude phone calls, if your one week before your payment. I remember telling the agent at the auto sales, i wanted $ 245.00 month payments, and left. When the truck's payment book showed, it had $ 324.56, boy was it real tight for three and half months.

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to sir with love
Inwood, US
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Dec 25, 2009 4:34 pm UTC

hi, my name is jules cleckley. i bought a used Isuzu Ascender '2006 at a Pohanka Car Dealership in September of 2009. the Pohanka Dealership is located on (US Route 214), in Marlow Hieghts, Maryland 20748. my complaint is the amount of the financing w/Credit Acceptance Corporation. my credit isn't to be desired but the rate of finance is about half the vehicle sticker/label price of which is 14, 977.00. during this sale i also bought a service contract w/Wynn's Plus - Contract # : CAP [protected] -, Contract price $380.00 which is additional to the vehicle price. the vehicle is accepted at most vehicle repair shops/repair although parts may need be ordered. my downpayment of $5000.00 is added too the vehicle sticker price including the 23.99% finance rate/charge of that sticker price. more easier to say 14, 977.00 (x) a 23.99% financing/(credit rating) brings the vehicle sale price too 21, 708.57 on top of that my down-payment of $5000.00 is added to this sum, TOTAL SALE PRICE $26, 708.57. i decided to make a three year car-note payment, so the payment each month should be 679.57 plus/minus. NOW after the extensive financing charges plus tags to title totalings, a $5000.000 down-payment is subtracted instead it added. after having said/typed this i'll also type the actual monthly payment i am paying which is $556.63. THIS IS'NT BUSSINESS. i will contact THE BETTER BUSINESS BUREAU OF WASHINGTON, THE DISTRICT OF COLUMBIA if your problems are'nt addressed. THIS VEHICLE VIN NUMBER IS 4NUES16S766701496, my personal home phone is [protected]. HAVE A NICE DAY

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Credit Acceptance harrassment calls

I got a loan a while back from credit acceptance if your 1 day late they will call your job as they have mine several times a day, it is a business and ive asked several times dont call my job at which when you ask them to not call your work they shouldent.

After hour calls are made and on weekends as well even on a sunday. Each caller is very hatefula and nasty to talk to. Ive had calls up to 10;00 pm.

Little did i no when you do on line banking it takes several days for the payment to go through at the time i didnt know that.

If calls are made to harrass me at work after i so advised them i cannot get calls at work a man talks to a co-worker, stop this because it vilotaes the law on telling a co-worker my business.

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AnthonyT46
US
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Sep 01, 2018 3:43 pm UTC

They told me when I purchased the car the warranty supposed to cover everything, I had to spend $498 to get my car fix. Water pump, everything dealing with the cooling system.

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Austin Perriman
Roswell, US
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Sep 01, 2018 3:09 pm UTC

Every single representative I have talked to has been rudely ignoring my questions about my account. I am scared I will lose my car because they can't give me a straight answer like "Is this the amount I was supposed to pay for an overdue bill?" All I got was the lady going back and forth between two numbers instead of telling me yes or no.

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Maggie Taylors
Chicago, US
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Aug 20, 2018 7:59 pm UTC
Verified customer This complaint was posted by a verified customer. Learn more

Purchase 2005 Volvo late to find out car had been in accident and over 5000.00 in repairs done at volvo dealer in Orland park IL
Futuremore credit acceptance continue to sending letters states 60% off over 12000.00
Still never revived update on credit and claims they sold car for 2.500.00
Maggie Taylor

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war vet
Smithland, US
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Nov 24, 2011 4:26 am UTC

credit acceptances unfair collection practices should be reviewed by an attorney and submitted as a class action suit. I to have been through the same degrading, harassing practices as you.And to you righteous ones who say shut and pay your bills or let them take your vehicle YOU TO SHALL FALL AND YOU WILL MET THE WRAITH OF CREDIT ACCEPTANCE!

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sexy-ma
Ambler, US
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Jun 03, 2010 9:07 pm UTC

I had the same problem with them and I was with them for almost three yrs! I finally paid my car off and they were suposed to send me my title in 30 days! 30 days came and went so I called to find out what the hold up was a woman said they never sent it and is gonna put another request in for my title and told me to wait 30 more days! Well another 30 days has passed and I still don't have my title so I called again an another woman said they have never received the title from the dealership so I should receive an lein rleases in the mail and which I never did so they r sending one so they say and then I could go to motor vehicle to get a duplicate copy of the title. I said well that cost for me to do that and u ppl told me that when the car is paid off you would mail me my title! Needless to say I will never deal with credit acceptance again!

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amakevjenlog
Cape Coral, US
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Mar 05, 2010 7:13 pm UTC

We have had the same exact issue with them! They call CONSTANTLY if you are one day late! A couple months after we got the car we were a couple days past the initial due date and they came to our house and tried to tow it less than an hour after we had called and paid our monthly due! What is the point of the second notice of "if late you have to pay x amount" if they dont even let you pay a couple days past the initial pay date!

Also one time they called and I told the lady i was planning on paying as soon as i returned home and she started on about "You know the car is equipt with low-jack right, the car can be shut down at any time" Excuse me b**** im pretty sure i just told you i was going to pay my bill today!

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SamKev
Clifton Park, US
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Jun 29, 2009 10:43 am UTC

I have had "customer service" people actually yell at me when I tried to explain why my payment was goign to be late. They are the most rude people I have ever had the joy to deal with. I would rather walk than finance through them again!

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Credit Acceptance, a leader in subprime financing since 1972, provides dealers with the ability to say “Yes” to every customer regardless of their credit score.
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