Regional Acceptance
Reviews and Complaints

I have paid off my loan with this company. After numerous phone calls, they will not send me my title. What can I do?

Wow what a bunch of unprofessional people working for that company. I had a vehicle finance with RAC and the first indication this was a bad decision came when I set up a direct deposit with them and the payment I had deducted from my pay was sent to the wrong account and when I explained to the rep at RAC they were rude and pointed fingers at the dealership and the bank who funnels the money out, saying they must have put in the wrong routing info, which turned out to be bull. They forgot to send in the paperwork in a timely manner and they money went to an old account I had set up with a past signature loan. I was so pissed how they handled the situation and passed the blame and lied to me that before I paid them another dime, I traded the vehicle. I thought that would get me away from them but now after the payoff they are saying I owe $400, and once again are *** to deal with. They said the dealership got the wrong payoff, which I heard on the speaker phone at the dealership, they mailed the right amount. Then they said it the interest that builds up each day, then he blamed they place the dealership mailed the payment. Unbelievable! Please stay away from this place if you can. I know they loan money to folks with less than perfect credit, but there are better deals out there and may need to go to other dealerships that work with a variety of finance companies.

I am in a situation with RAC. I lost my husband afew months back and his income was what got us a '08 Dodge. At this time i can't pay for it and I tried to explain to them or even request a refinance. They will not listen, they just want money that I don't have. All they know how to say is "repo" and "you will pay the deficiency". Give me a brake. It was not my choice to lose my husband. And Agreement was sign when we didn't know anything was going to happen. Hello things happen out of our control...

Rude invasive, unprofessional power tripping indiviuals call trying to intimidate you into sending a payment that you aready know you owe. Specifically Patricia "Patty" from the Margate Florida office. You catch more flies with honey than vinegar. when you finish this review google the FDCPA Fair Debt Collection Practice Act. see how many violations she makes in one call and the company tries to pacify you but the one the indivual thinks that have the grounds to try to demean you. The bark is worse than the bite and they need to be muzzled. Soon to be on the internet left messages by the "Star". That is the best way to fight back against harrassing telemarkers and abusive collectors. take the recorded phone messages and post them on the internet.

Any updates on this anyone? I am literally fighting over this right now as I have had a loan with RAC for 9 years, 2015 it should have matured by now right, but RAC refuses to send me a copy of the contract or a breakdown of how much of our payments have gone to interest and principal. Due to job loss, illness and Covid I have had some deferments, but they claim I still owe them 22k. That makes no sense.

Please add me been paying om car almost 3 years and I still owe more time the list price

Regional Acceptance refused to allow me to utilize my GAP Insurance during the pandemic to assist me with late payments and to resolve the hardship of the Pandemic of Covid-19 . Why am I paying for insurance that I am not allowed to utilize. As a result my was repossessed and placed in my credit file as a write-off and loss. Then the debt was sold to a collection agency who is pursuing the debt. How is this legal when GAP is for the benefit of not being in default and losing your vehicle..?

Bought a car from them in 2012 and its still not paid off. It's 2021. The car was towed from my complex and the impound wanted 2, 000 dollars to get it out. That's more than the car was worth. Regional found out and took the car. Put a repossession on my credit when I'm not behind on any payment.

Ethically speaking, you should never be late on any bill or financial agreement you have or agreed to pay. I strongly believe the only disability in life is a bad attitude but how would you handle the situation if someone owed you thousands of dollars and they were making or trying to use every excuse in the book to not pay on time. Pay ur bills on time and you can expect to be treated as such.

I have had my fair share of Mr. Pinder. After I was laidoff I was 2 days late with my auto loan, that is due on the 28th. I explained to Mr Pinder that my unemployment check comes in another 3 days, He told me he didn't care and was going to repo my car. I asked the company to change my due date, being that I get unemployment every two weeks, rent, and my utility bills are all due at the end and the first off the month, I was told it can't be done without signing another contract with them. I already have a contract. Out of all my car loans I have ever had this is the worst company I have ever done business with, and I would never recomend this company to anybody

I have been paying my car payments on time for 33 months now. My loan term is 72 months. I am noticing after 33 months of on time payments my payoff quote is the exact amount of the original car loan. My balance has not gone down at all! I don't know how that could be. This means none of my payments have gone towards the principle? Is this even possible? Any advice would be appreciated. Thank you.

I have never had a problem with RAC. Why? Because I pay my bills on time.

Yea.. The poster who told us RAC is doing us a favor and to stop complaining is from Greenville NC... Guess where RAC is located? Employee...:/

Regional Accep. Corp. practice unfair tactics. They do use scare tactics to force a payment out of you. Even when you try to get them to work with you they threaten you, call you at work and force you to do any thing, just to get your payment to them. No matter what the situation is they refuse to work with you. After 5 years of payments they are saying I am 3 months behind, which I am not. They are using late charges and unpaid interest as an excuse to say it is 90 days over.

Tell them you are in the process of filing bankruptcy. They then cannot a) take your vehicle nor b) call you...and if they do, they get in big trouble.

Regional is bull crap. I just finished preparing a lawsuit and will be filing it in Aug 18, 2014 on this company. They are ###

Most incompetent group of college of Pseudo-professionals I have ever done business with. AVOID REGIONAL ACCEPTANCE. My wife and I financed a car with regional Acceptance. Worst mistake I have ever made financially. We never missed or were late with a payment and the car was destroyed two years later in a natural disaster. We had comprehensive coverage and two different gap coverage policies with different companies. The car was paid off by our insurance but Regional Acceptance added a 30 day late payment to our credit report. A week after it was totaled we had to sign a power of attorney with our insurance company. The car was paid off and the insurance company owned the title. WHY ADD A 30 DAY LATE TO OUR CREDIT REPORT? I guess they were mad because they didn't make much off of us on the interest. Oh well, I will get the mark removed but I will never deal with this company again. I advise anyone not to deal with them. They are not BBB accredited and have over 60 complaints. AVOID REGIONAL ACCEPTANCE.

These people called my home phone number asking for me at which time I was not home and they told my brother that I was a point of contact for someone that I have had no contact with since 2001 and then they proceeded to ask my brother if they had reached me and if he knew me and if he had further information for me. They stated that since I was a point of contact that I should know information on this person they are needing to contact and I need to give them information on this person and confirm information on myself. Why do they need information on me? I have nothing to do with these people nor do I know the whereabouts of this person they are looking for as I have had no contact with this person since 2001. Do they just go through a list of anyone they can connect to the person they are looking for and hopes to get information so that they can try and force you to give them money for someone you haven't had any contact with in nearly 15 years? Goodness what kind of people are they and what kind of business practices are they using> They have no right to ask for personal information on me nor do they have a right to call my home over and over again and ask for my personal information when I have nothing to do with them.

I am experiencing the same situation. My car note is due on the 6th and if they haven't received a payment by that evening at 8:30 they are calling my house phone, cell phone, and work phone. One day late and I know the harassment is about to begin. I don't understand this company at all. I have never been 30 days late. Just a few days and they threaten and call like someone's life is at stake.

RAC is such a scam. The Harass you and every turn. They say one thing then do something else (Hypocrites). Never, NEVER ever use them again. They are just a collection agency, NOT a finance company. They say they will work with you then when they get you off the phone someone else in their company calls and has no idea of any arrangements. HOW CONVENIENT..

i am 19 hours from home and trying to get ahold of someone who will tell me what i need to get the car back strander 19 hours from home with nothing and running out of money for a hotel someone please help on any info i can call and talk to someone and not ask me to leave a message i just want to get on right track and pay my bill times got back but now in a position to be able to pay my note

So I had a car loan with them for two years, I have never missed a payment up until recently when i totaled my car. The lady who called me regarding the amount i owe them was very rude and nasty and her customer service skills suck! She needs to find a new job! She then asked me if i had a new car and i said yes i do. Then she said well i am going to pull your credit to look and i told her NO you do not have my permission to pull my credit for no reason and she proceeded to do so anyways. So i called and asked to talk to her supervisor who then proceeded to tell me that they can pull my credit every thirty days if they want to and nothing i could kdo about it! Do not do business with these people this is the worst company that i have ever delt with in my life!

how can u trust a place like regional they are rip off what can we do to report them i wish thier was help out thier for ppl like us whould understand wear we are comeing from it not fair place like them spouse to work with u but they dont it not right they really scraw my life and my credit up for thier mistke they made they dont care about us all they care about them and takeing ppl life and credit mass it up i am not letting them do this no more to me or anyone that went thorw this i am sorry for all the ppl that deal with them

i made a big mistkae buying going with regional acceptance they rip me off they toke my car toke my money i got a 2017 sonic the payment wear so high i try to pay the payment i been paying the payment for 4 mouths then they toke the car i call iand yell at them asking wear my car at they ack like they didnt know wear it was at they had to loook they kept me on the phone for half hour then they told me the car was takeing for none payments i have not pay them for 4 mouths that is a lie i had yell at them and they treat me like crap and they told me not to pay the car payment in money orde they need to be paid by credit card and say i owe 26, 000 i am so stress out about them how they treat thire i am not happy with them they are so me and rude they should be shut down i will never go to them agian they toke to many ppl over we dont need that i hape they get thiert trun

Called 4-5-10 re: payment. Letter received on Saturday 4-3-10 payment due 4-6-10. Was told by Niya NO fee of $5.00 would be charged to my acct.However not the case it was charged. Called 4-9-10 spoke to Bella she offered no satisfaction asked to speak to her supervisor, after being put on hold, was told he was out to lunch and would call me back when he returned. You must take extremely long lunch hours and hours it is now Saturday 10:10am and no returned call. Great business good PR?

I think the last 4 years have been pretty rocky for a lot of people. Each time I was in a tough situation, Regional worked with me with deferments. Unfortunately what they don't really let you know up front is how much interest builds up with every deferment that you take out. Why do car dealerships work with them? Let me fill you in on a little secret I found out. Regional is quick to take a "high risk loan" and works with dealers to put people with not-so-good credit into a car. What the dealer doesn't tell you is that Regional may offer an APR lower than what is probably on your contract. The dealer then turns around and tacks on their own percentage, taking a cut of the final amount financed, so they not only get the price of the car, but they get a cut of the financing. I thought I had about 10 payments left, but with interest from late payments (my fault, I accept that) and deferments, I owe about $3500 more onto the remaining balance. So tough times turn into good profits for predatory lending companies like...Regional Acceptance. If you're behind on your payment, they will work with you, but beware, it's going to cost you more and more in the end.

I have been with this company for almost 5 years have 3 more payments on my car & have never had a problem with them maybe if some people paid their bills on time they wouldn't come and repo them. Get real!

I am totally freaked out . I had no idea that these people are so bad. I has to file bancruptcy and needed a new car and it seemed that i have no options. I know am concered that I am going to get screwed for the next few years. The worst part is that the dealership said that they were good to work with. I can now see that is not true. Has anyone ever had any goos experiences with them? Have the ever been will ing to re-finance your loan after 12-18 good payments? I think that the guy who sold me the car just blew smoke up my ###. Not very happy. I also just looked and they are not BBB Accredited. That is never good. So hopefully anyone that is looking for a car make sure you know who is giving you the money.

I agree 100% RA is a bunch of rude people who have nothing better to do but treat their customers like crap! I hope one day that they all fall on hard times (when people smarten up and stop using RA, and they all lose their jobs) and can't make their payments, that they are treated exactly how they treat us!

I paid my car off early, and have yet received my title or GAP insurance refund. I have called and have talked to multiple agents that were no assistance. I just want my title and what's owed to me.

Got my car financed in june 2021, at 34k, and its still 33k, barely drops, finance principle never drops, have a hard time killing the interest, which is the worse in the financial business! We need to all file a lawsuit against this company soon! I have not had anything happen to this car, but lose value while the financed amount stays still!

I've been stuck on 4500.00 for a while no matter how much I pay

It's always some mysterious fee lurking in the back ground. I've been paying 1000.00 a month plus my regular payments to get this car paid for a it doesn't go down. They need to be investigated for criminal activities fraud.

I finally lost my car of 5 years to them. Somehow I still owed 20 grand on my car. They towed then sold my car for 4 grand. Then said I still owed 18000. I hate that company with a passion. I am back with capital one and my payments are reflecting the right way in less then a year. Don't go with regional acceptance.

I was told I could refinance my 2017 200 Chrysler, I was denied. I've been paying 622.00. I'm not sure how really applied to actually loan. I had to trade my car in to get a better rate with another company. I end up purchasing a Camry.

wow!

What you people think is illegal, isn't. Every bit of what has happened to you is because of you're own irresponsibility. I work for Regional Acceptance, and The Force Place Insurance is placed on your loan because you either switch insurance companies and your old insurance company notifies us of the cancellation of that coverage, or you have a lapse in insurance. And if you switch insurance companies, it is YOUR responsibility to notify us with that information. and hich if any of you would happen to read the contract that you sign when you buy the vehicle, that the requirement to have full insurance coverage on the vehicle at all times while financed is on there. So not only is it illegal, but it is a breach in contract, not only that, Regional Acceptance loans you 15+ thousand dollars, that you DON'T have, and because your credit sucks, no one else will finance you, and what you, as a customer don't reazlize, is that car may be registered to you, but in the real until your account with RAC is showing a 0.00 payoff, it belongs to US, and if you are in breach of contract we have to cover OUR collatteral that you so happened to just not be doing. So you people, with your credit scores of 500, that are the fabulous customers that i have to deal with every day complaining about this same thing(s), go get your lawyer, every thing IS stated in your contract. Quit trying to weasel yourselves out of something that is your own fault, maybe the hundreds of dollars your spending hiring that lawyer instead of being childish, YOU WOULDN"T BE LATE ON YOUR PAYMENT EVERY MONTH!

Yours Truly.
The Ones That Deal With Your ###.

I agree with all your comments this has been the worse experience ever for me. They took my payments up $164 from my original agreement price due to the same BS auto insurance. I had auto insurance and they claimed I didn't. I still have auto insurance and they still charging for insurance and they have the proof, how can you do that? So I been paying them on a monthly basis and because I stop putting in the additional $164 because I have to keep up with my real insurance last night they came and repo my car. Why would you take a car from a person paying every month. I spoke with the tow guy and he said they said I had not paid since May 08 which was a lie because my last payment was Aug 31 08. The balance he said I owed was a $1K over the amount said I owed on-line. So I go to call this morning and no one answers the phone. How can you not answer the phone is a "business". So I think with they did to me was illegal and I am contacting an attorney and see if I can get a class-action lawsuit. I wouldn't mind having my car taking if I wasn't making the payment but to have it taking when I am I do have a BIG problem with that!

These people hold payments for 7-10 days and then tack on late fees to our account each and every month because our payment is "late". When we called we were told to send the payment in earlier. We live on a tight budget so the one time we did that our check miraculously posted 2 days later! And 6 hours before our paycheck posted...so you can imagine. There are huge fees to pay by phone or via internet so what option is there? They have called my employers office continually on these "late" payments and I even sent them a letter concerning fair debt protection with my attorney's information and they continue to call. Now they will deal with our attorney...but do NOT ever do business with these people. We were given these people because I married into financial credit problems. I have not had to deal with these kind of money hungry people who only accept people with money problems and then proceed to steal from them.