Do you think Credit Acceptance Corporation is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.
THE BEST PART IS…
If Credit Acceptance Corporation violated the law, you may be entitled to money damages and Credit Acceptance Corporation will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.
What is Credit Acceptance Corporation?
Credit Acceptance Corporation opened for business in 1972. The company specializes in auto dealer vehicle finance programs. Credit Acceptance Corporation has been part of Fortune magazine’s “100 Best Companies to Work For”.
Credit Acceptance Corporation is a publicly-traded company on NASDAQ. The company is not accredited with the Better Business Bureau (BBB).
Credit Acceptance Corporation Address, Phone Number, and Contact Information
Store Location
25505 West Twelve Mile Road
Southfield, MI 48034
https://www.creditacceptance.com/
+1 678-402-3000
Monday – Friday: 8am-11pm
Saturday & Sunday: 8am-5 pm
Unsympathetic with Consumers
Many consumers have lamented about Credit Acceptance Corporation’s unforgiving debt collection even with the consequences of the pandemic. According to consumers’ feedback, the company not only continued with the billing but it had also passed on many of those who couldn’t meet payments to collection agencies or reported them to credit bureaus. This has effectively made things far worse for Credit Acceptance Corporation’s consumers barely making ends meet during mass unemployment and health emergencies.
Harassing Calls
Aside from the debt collection activity, Credit Acceptance Corporation also reportedly is harassing debtors over the phone, making multiple calls even when consumers are only a day late with their payments. This aggressive debt collection practice has been a nuisance to many people especially those struggling with making payments for necessities.
Deceitful Claims
Other reviews narrated that Credit Acceptance Corporation kept collecting debts that were paid or reopening those that are past the statute of limitations. In one account, the consumer claimed Credit Acceptance Corporation refused to cancel auto-pay after the consumer had paid in full.
Dismal Customer Service
Credit Acceptance Corporation has failed its consumers both in primary and secondary services. According to numerous claims, its employees had shown their consumers no empathy despite the tolls of the pandemic. This goes as far as agents laughing at helpless consumers and telling them to look for a job to pay debts with Credit Acceptance Corporation after being laid off during a state emergency (Covid-19).
Unfortunately, harassing behavior, lack of empathy, deceitful claims, and abhorrent customer service complaints are just the beginning for Credit Acceptance Corporation. The company’s customers are left wondering what options they have regarding their consumer rights.
We Fix Complaints When Customer Service Won’t
Has Credit Acceptance Corporation used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Credit Acceptance Corporation to listen?
A lot of Credit Acceptance Corporation Corporation customers aren’t happy with their service and the Better Business Bureau lists 587 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.
If your complaints haven’t been heard, we can help. At America’s Consumer Lawyer we help customers who have been mistreated by big companies–much like Credit Acceptance Corporation–and we turn your complaints into resolutions!
We’ll not only file your legal demands with Credit Acceptance Corporation, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Credit Acceptance Corporation contract, which is typically arbitration.
America’s Consumer Lawyer gets results–including zero balances, refunds, and other compensation.
Here’s How to Make Big Companies Listen
It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches.
Have you tried calling Credit Acceptance Corporation to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised.
When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?
Fortunately, you do have options.
Use Arbitration to Settle Your Complaint
Most companies like Credit Acceptance Corporation have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Credit Acceptance Corporation will have to do a lot of work and there is no guarantee that they will have a successful outcome.
Arbitration is Fast, Inexpensive, and Private
Arbitration with Credit Acceptance Corporation is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:
- The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
- You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
- Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
- Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision.
- Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.
Arbitration Gives you Control and Leverage
When Credit Acceptance Corporation is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands.
If Credit Acceptance Corporation doesn’t meet those demands and you have a real complaint, America’s Consumer Lawyer can help by representing you in arbitration where you will get a fair, just, and transparent hearing.
Control and Leverage Triggers Faster Settlements
Large companies like Credit Acceptance Corporation don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration.
The first step in taking on Credit Acceptance Corporation is to formally raise your complaint. The lawyers at America’s Consumer Lawyer can help you to do so. We will send a letter of demands to the corporate offices of Credit Acceptance Corporation, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Credit Acceptance Corporation.
Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Credit Acceptance Corporation doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. America’s Consumer Lawyer will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process.
UDAAP and Arbitration
UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.
Every state has UDAAP laws, which can vary widely. However, the lawyers at America’s Consumer Lawyer understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.
If you’re dealing with an issue with Credit Acceptance Corporation, you might try filing a complaint with the BBB or the customer service team with Credit Acceptance Corporation. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case.
Arbitration is a very useful tool for resolving disputes, and America’s Consumer Lawyer can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.
How Do I File a Complaint Against Credit Acceptance Corporation?
We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages. Plus, the other side will pay our fees and costs. You will not pay us a penny. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
People, First
We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at America’s Consumer Lawyer, we put People, First.
Share Your Complaints Below Against Credit Acceptance Corporation
We encourage you to post your complaints about Credit Acceptance Corporation. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!
Submitted Comments
I have a repo with credit acceptance and they will be selling the car on October 13th. I am willing to pay the debt but don’t want to be sued or harassed anymore.
A short summary of how I got mixed in with credit acceptance was in 2012 I signed for a car for my brother-in-law and his girlfriend. She actually cosigned on the loan. 6 months later they dumped it in my lap and I got stuck with it fast forward about another 8 months and it was repoed. I know the vehicle was sold at auction because the person who purchased it was able to contact me and ask about the title which I told them contact Credit Acceptance. In 2014 I was served with paperwork saying they were suing me for 5,000 and change but I never responded and the case was closed then in 2015 it showed activity where they were filing trying to get me served again and never seen anything until recently man I became employed with a home care company and they were served garnishment papers on my behalf except now I owe supposedly a little over $7,000 on a car that was repoed 11 years ago. Is there not a statute of limitation on that like these people haven\'t even attempted to go after the cosigner on the lease whom is more responsible for this loan than I ever was. It now cost me almost $200 every paycheck until it is being paid off. It\'s almost to the point of not worth me working because I still can\'t pay my bills now that the garnishments coming out
UNLAWFUL CASE. UNFAIR TREATMENT .
Hi, I\'m currently being sued by Credit Acceptance in Second Judicial Court and need help. For one I signed an arbitration when I first entered into this contract that didnt happen. Also I feel like they used unfair practices in many ways. I was being charged a 26% interest rate and they also added on an extended warranty and Gap that made me feel like they were mandatory and not optional. I really need some help and advice on this whole situation.
Credit service corporation has been charging me in legal finance charge on an existing auto loan. Punishing my credit basically causing me to never be able to get a vehicle again.
The loan was started in Indiana we now live in Tennessee where it was finished!
Plz contact for the all important details!
Ty.. looking forward to hearing from you soon!
I had a loan with credit acceptance. I struggled with making my payments during the pandemic and was homeless for a period of time. I could not afford to pay my loan payments and I voluntarily surrendered the car. Credit acceptance sued me for the balance remains after they sold my car and had my wages garnished. I filed a court case against them asking them to lower the amount of the garnishment because i could not afford it. I went up against there attorney and lost because i did not bring proof of my living expenses to court. I was not aware i needed to provide the documents. My wages are still being garnished and I have paid altogether way more than what the car was worth. I need the garnishments to stop. Can you help me.
Hello I need help with credit acceptance I have a 2012 Kia forte5 hatchback SX and I had problems with credit acceptance they charged more then what the car is actually worth and the apr is high I live on a SSI income and was not informed about the recalls on the car which one is the car can catch fire either driving it or sitting in my driveway and wasn\'t informed about the wheel hub bearings going bad on the car or the check engine light I contacted the company next day after the dealership forced me into that car and try to explain that what the dealer ship told them about how much my income is a month was false and that I was under medication when I was cohearsed into that car I told the company that I was classified as SMI bye terros mental health clinic and that unless I have some one with me that this auto contract should be cancelled this was the day after dealership forced me into the car since having the car I have had nothing but problems financially and with trying to afford to get the car fixed as of 01/03/2025 the car has several problems one is with the control arm and ball joints and the motor mounts and the front driver side and passenger side wheel bearings are bad to the point that the car makes a grinding noise and when driving it the car wobbles a little and the radiator fan assembly is bad the suspension and shock and struts need replaced and the stabilizer bar is no good I have a invoice from half price auto repair saying what wrong with the car and that to save driving it the wheel bearings need to be replaced or the tire can come loose and cause me to have a accident I have tried talking to credit acceptance about the issues with the car from day one and I get nothing I currently owe past amount of 82.00 dollars from December payment plus they added late fee after telling me they weren\'t going to now credit acceptance wants me to give them 276.07 which is not feasible when I still got to pay a mechanic just to look at the car to tell me what the problems are including the check engine being on i have had so many problems with the car and stressed about how to get it fixed and if I will drive it and get in a accident because of the issues with the wheel bearings i ask the dealer ship to cancel the contract and just let me have back my Hyundai and was told to wait until Monday and contact credit acceptance since they could cancel the contract I did contact them and was told that the dealership is the people to void the contract I been paying on the car and not able to get it repaired because of only getting a monthly disability check I really am at a loss the car gotten worse and I can\'t get anything done. Please help
Credit Acceptance GAP coverage i got through them and their Phoenix American Warranty (WYNN GAP) is not paying out the total remaining balance, and has left me with a large sum and violated my contract.
I have an outrageous loan with credit acceptance. After one day late they are harassing me. They call me over 5 times a day.
I Need a Lawyer for Credit acceptance ASAP
Credit Acceptance Corporation used misleading sales tactics? Price of loan went up after approval. I have received poor service or no service. Vehicle repossessed (2) times. Credit Acceptance demanded increased monthly payments that did not represent original loan monthly principal. I Requested this
contract increase to be shown in writing. My request was ignored and I made monthly payment\'s per
my original loan agreement , but since I did not pay the
increased amount I have been reported to all three Credit bureaus
as a late payment from the time of
purchase to date. The vehicle was recently repossessed on July 13,2024. I received a letter in the mail dated July 26,2024 “Notice of Our Plan to Sell Property”
We have your vehicle described above because you broke promises in our agreement. We will sell the venicle at private sale sometime after August 22, 2024. A sale could include a lease or license.
The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else.
You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at (800)
716-7376.
If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at (800) 716-7376 or write us at Credit Acceptance Corporation, 25505 West Twelve Mile Road, Attention Redemption Department, Southfield, Michigan 48034 and request a written explanation.
I would like to discuss my options for arbitration
Hi, I’m reaching out seeking help dealing with an issue relating to Credit Acceptance Corporation. A number of years ago in November 2019, I test drove a vehicle from a dealership in Fort Lauderdale called “Track Motors.” I was simply agreeing to a test drive and nothing more. I didn’t like the vehicle so I took it back to them. A month later I received a charge for a payment from the dealership that I didn’t recognize, and every single time I’ve tried reaching out to the manager, I was told he was busy, and eventually they stopped answering my calls altogether. This quick action by Credit Acceptance Corp has destroyed my credit and left me in no position to get back on track, even with a good job. My options are very limited and this has been driving me into depression. There’s no way I can pay them for a car I never bought. Thank you for reading this, and in advance for your correspondence.
Credit acceptance sold me an extended warranty and I was told I had to purchase it or I would not get the loan for the vehicle.
I need to get from under Credit Acceptance with my auto loan.
Credit Acceptance situation
Credit acceptance added almost 3,000 to an automobile loan, wouldn’t fix anything on the car, wouldn’t even send a copy of the warranty, and constantly reporting negatively to credit bureau
It is a very long story. In April 2022 I bought a car in Trumann Arkansas from a little small Car Lot there. Both the dealer and Credit Acceptance Corporation ripped me off.. I am disabled I draw a disability check as my only income and the dealer told me the car was a 1 owner and then also listed the car as comin with a 2yr / 24,000 mile warranty with it. The warranty was the main reason I was even interested in the car. He told me that he got me approved for the car but I had to have $1700 down payment. When I went to the lot to see/get the car on the day and time he said was good to come he pulled a \"we gotta hurry I have to take my son to the doc in a little bit\" stunt.. He rushed me to the point that I was doin the paperwork before I even got a chance to look at/drive the car.. He broke the down payment up into 2 payments and I paid $1100 that day and I was to come back the followin week when I got my check to pay the other $600. He let me take the car home with me and told me that he would give me the title and copy of the contract when I came back to pay the other $600.. I went back and paid the rest of the money when I said I would he had his grandmother give me the copy of my contract and title/paperwork because he \"had to leave at the last minute\".. It was closing time and I had to drive home so I did not get a chance to look at anything until I got home. OMG! The title had 3 owners listed and he got the car at an auction! It was NOT 1-owner! The contract only shows that I paid $600 down on the car so he pocketed the other $1100 I paid down. The warranty he told me came with the car was figured into the contract along with a GAP policy that was not even mentioned. Both of those were an added 4000 to the contract. The car was $5999 cash but since I was financing it of course the price of the car went up but it went from $5999 to $9995, then add the 2 extra policies to it, and the fact that he did not put that I paid $1700 down on it- he only put $600, and then a 29% interest rate made the contract a total of $29,000 after 66 payments if I had kept it til paid off! The day after I went and paid the rest of the money/got contract n title etc.. I made the first payment on the car and 2 hours later I went to get in it and go to my daughters house and the transmission went out in it! I messaged the dealer and he would not do anything to help me. Told me I couldnt get my $ back. Would not let me get a different vehicle. Told me that it was between me and Credit Acceptance and that that is what the warranty that was on the car was for.. The warranty I found out was bogus.. I called several diff times tryin to get it fixed all I got was a diff number to call and the runaround.. They came and repo\'d the car a couple months later I was not makin anymore payments on a car that I could not drive. They ruined my credit I cant get anything financed now. I lost, in total, around $3000 on this car (down payment, first monthly payment, and insurance fees) and did not even have it 2 weeks. I did not even put 400 miles on it. I need the $ back I lost on this car and my credit fixed so that I can get another car. I still have the paperwork, contract, receipts for $ I paid down on it, and all of our messages regarding the car for proof of all of this. Please help me.. I have not been able to save enough money to get anything else to drive yet and this was 2yrs ago now.
Hello, Credit Acceptance started garnishing me they raise the interest and the car was sold
My car was repoed and I owe 4200,00 and have paid 15,000 and the car is a lemon and prolly worth 2000 I need help I\'m out all this money for loan and not to mention repairs on the car. I don\'t know what to do
I got a car in 2021 credit acceptance was the lender they sold me a warranty with the car as well as gap they new I worked uber when I got the car well on a cross country trip the transmission messed up and the warranty would not cover it because I worked Uber but they did not tell me that when I got the car I wrecked the car in sept 2021 I was not the one at fault and because I got a ticket for failure to try and prevent a wreck the other insurance company said it was my fault my insurance I had comprehension and collision said I was driving for Uber at time of wreck so they would not cover nothing well Uber had there own insurance through Progressive they covered it found me not at fault and gap should have covered what they didn’t but gap didn’t cove but a little over a 100 and credit acceptance is fucked my credit and still saying I owe more than 6000 when in fact all of it should had been covered but was not for some god awful reason even though the wreck wasn’t my fault I’m still paying for it to this day and I was 8 months pregnant with my son at the time of the wreck I don’t understand any of it and I don’t believe I owe anything I can’t get another car or nothing because of the fucking my credit plus my co signers credit and they put stops on loan applications at car lots when I file to try to get a loan I really think it’s all bull crap idk
I have 2 cars from credit acceptance. Got behind during Covid. The motor blew up up on 1 car twice . The over charged for both cars. They were suppose to repo my crv since may 2023 but still have not picked it up. I need some advise how to handle this.
Hi I have been getting my taxes garnishment for last 5 years and my car was paid off in 2018 I was unaware that CAC was the one taking my state taxes until last year when I started repairing my credit and paying off old debits to better my credit score to buy a home. They illegally reopened my account after I discovered my last year taxes being garnished last min after they had unknowingly reopened and ordered a writ of garnishment of wages. I was in shock when told by courts to contact the debit collector I discovered they were the also the collection and the loan borrowers I faxed my proofs to CAC after speaking to an associate with them only to find they put it back on my report next day and dropped my credit score instantly without any notice like I took out a new loan and that was that and even tho it said once More account paid they took this years to and I received a letter a week after the fact it was garnished so someone forged my affidavit I\'m guessing they have a person to do so to
I had been summoned to court with Credit Acceptance Corp last year and went to arbitration, under the impression I was going straight to court, and I was pretty much coerced into signing a contract they knew I could not afford to settle up. Old habits die new, huh? I\'ll say now that I thought they weren\'t able to sue me to begin with since the contract was outside of the Statute of Limitations in Iowa, where I went to court, and I wanted to bring that up to the arbitrator but they were both talking a mile a minute and I have mad panic disorder and was already freaking out because I was overstimulated and being talked into a corner. To the point, I just received an email today stating that they are pressing for wage garnishment, which, again, I can\'t afford. I just need help getting these assholes off my own ass, I already have one asshole and it\'s enough. Please shoot me back an email if you think you can help. Thank you.
Credit acceptance repoed my car, I paid to have it released , called customer service to see how much it was to pay it off, they informed me the amount I then proceeded to pay it off, they told me congratulations on paying off my car and I would receive my title by mail within 30 days. I never got my title , they called me about 15 days after the 30 day mark to tell me that I still owed them money from my repossession and my car was not paid off, because of a fee.
need a lawyer for credit acceptance
Tell then Debt Collection harassment / Collection Agencies must be stopped it
credit acceptance problems
When I bought a car from this car lot, it was selling for $3000 , and was told if I could not pay cash that it would have to be financed along with $500 cash down. I told him I have very good credit, and could pay the $500 doan and make payments, but that did not matter. H said the total amount with the $500 down would be a total of $5000 in all. Then he proceded to call this finance company wihich was credit acceptance. They did not speak with me at all in reference to how much they charge to finance the car, so he was on the phone with them just a few mins, and wrote up the total amount it would come to.Then he told me my monthly payment would be $224 a month. I told him my only income was SSI and he told credit acceptnace the same thing while I heard just a few things over the phone he was telling credit acceptance. So I am thinking the total amount would be as he stated $5000 along with the finance fee from credit acceptance.When I got home I was having some health issues and I did not read the car lot paperwork, and a week and a half later ,I received papers from credit acceptance So since I was not feeling well for a while I read their paperwork later. All i could understand is the car lot had paper work detailing all the work he had done to the car, and he charged $275 for selling me a car and his total amount came to $6,200 Could not understand what credit acceptance finance fee was and I thin now that I looked over things again after reading online about their illegal actions and what they was being sued for , I decided to file a complaint and let the Fraud department look at all my sell papers. Now there was a car accident , where some wreck less driver ran me off the road and I hit a tree. So Progressive claim adjuster came out and I told them from the beginning that the driver kept going , so I do not know who it was that forced me off the road and I have rods in both my upper arms, to where I had to turn quick to the right and the person caused me to have to make a quick turn to the right and ran off the road. But I had collision and liability with Progressive Ins. The adjuster was outside a long time sitting in his car and came back and told showed me the amount of damage and totaled the car, which is a 2000 chevolet suburban .That was selling for $3000 and end up costing me almost $7000.Then the claim man that I called and talked with said that credit acceptance would get $4,500 because I was still making payments on the car. And I would get $1,700 when the car was paid off , and it had to be paid off within a 3 three period. I then called credit acceptance and ask them why do you all get the damage to the vehicle that I am paying insurance for, the first lady said that belongs to you and I told her what progressive said that it goes to them, so I called Mr. Duffeck claim man back and told him what she said, and he said it belongs to them. I called credit acceptance back again and the second lady said it belongs to us and that Progressive wanted the car we get the $4,500.So I ended up getting zero amount. Months later I decided to switch insurance companies , which the new one told me why my just liability was running close to $500 alone on the suburban. She said progressive had me down as the accident was my fault even though there was no police report taken, because the other person kept going ,I did not have no other person too report, so I did not see the need to call the police. She also told me that $4,500 was paid out and $700 bodily damage, which I never reported any injury to me. She told me to call my insurance company they know who all it was paid too.Oh and when I talk with credit acceptance about why they get the $4,500 . they said it would be deducted from the amount I owe on the car, so nothin was deducted as far as I could see the months that went by. Progressive told me two weeks ago that credit acceptance refused to take the $4,500 and I forgot to ask him at that time about the $700 bodily damage and where that amount period came from when I did not report any damage to my body. I was just going through a lot of stress concernig all that went on with the sell of the car total amount and now all this, which I am on stress medication now.I believe the car lot, progressive ins. and credit acceptance where apart of illegal actions. Also I changed my direct withdrawal of the car payment from the third of the month to the forth of the month, they wanted me to make the third of the month payment and the 4th of the month for that same month I paid for two payments for that month. And they added $15 late fee each month, because I could not afford to do that they sent it to my credit. I had good credit before all this happen with them, and they suppose to help people with bad credit. I looked at there paperwork last week again, and it had down there that credit acceptance did not use your credit. now i refused to pay for January, Because the lady name Caprice when I talked with her last week said this, she got my complaint from that area of the fraud department I assumed and she acted like she did not know about the $4,500 progressive said they would not take, then she said if that was paid to them, then will I you be satisfied that the car would be paid for, that sharked me, so I did not have time to think about they would owe me, because I was just stressed out,and do not remember if I said yes, because she ended the conversation so fast. She did not call me back the next day like she said she would. So I called back to speak with her, I made the call to credit acceptance period because, in the complaint made to the attorney general fraud dept, they ask if I had contacted them about the situation before making the complaint ,so I needed to do that, but I had made the compliant to fraud before I contacted them, after hearing they would not accept the money from progressive. I am thinkng also, If they would have given it to me , since it was my car damage I could had paid the $3,100 they kept telling me about and asking over and over if I was still not working and on S.S.I. I even asked him why do he keep asking me that the each times he asked, so I thought he was thinking I was not going to make the payments, instead of telling me the truth, now that I know why he was asking over and over from what I have now read online what all they did to low income people. progressive claim man has not returned any of my calls in reference to the false bodily damage, the $4,500 to me since they did not take it from the beginning of the claim, and he did not contact me to even let me know they did not take, after demanding it belonged to them. And when I returned a call she left on my answering phone to call her, I could speak with her and the first lady said I will let you speak with someone else, so I said no, I want to speak with the lady name Caprice that told me to call her back. She still switched me with someone else, and I told her Miss Caprice wanted me to call her back, and she said hold a min. and they said she will call you back in three days. never heard from Miss Caprice again. I only got call from credit acceptance asking for a payments and saying it will cost me know $3,800 to pay the car off. And that includes I assume the extra payment that they put on my credit and theirs and January payment I refused to pay, anything else while this case is being handled.I ended up with illegal high payments being on S.S I. and no money in the damage of my car and they refuse it after demanding the $4,500 and high interest rates, not using my credit, that they now messed up. all this stress they have been sending me through and false bodily pain I never reported. This black guy that called asking if I was still not working was actually awning over the phone when I told him I did not owe anything, so since he acted the way he did, I told him , he can talk with my attorney, and he kept calling back but I did not pick up. So this is where we are at this point. I need an Attorney to solve this matter. The vehicle had to be taken back the next day or two after purchase, and now it does not run period. Thank you, Oh and the paper work indicating all he fixed on the car, was not signed by the person that I assume fixed over 30 issues. And do not know why he would even put that in my sell papers, because lets me think you were up to getting extra money and to cover up something because it does not run at all now.And did you try to charge me $6,200 and $275, for just selling me the car a fee I never heard of, all his illegal actions with credit acceptance. The named some of the car lots that shared money with each other in these car deals and against low income people. I think that is it and need assistance as quick as possible, because I will not make not one more payment to those crooks.
Jennifer Lynn Stevens Bokzam
2 years ago
My fiance and I bought a 2016 Cadillac we were both were on the full coverage insurance totallying $35,000 payback.It was almost a year ago Mark was driving we had a Hurricane where everyone had to be off the the road at 4:30 Mark was clipped by a Semi that didn\'t stop. Now almost a year later plus my $3,000 deown payment plus 2 payments Plus the dwon payment insurance and 2 payments on the car and insurancwe Dear old Credit Acceptance finance company wands another $4,000. I cannot afford to keep missing work Mark keeps missing work and the Judge oredered mediation 4 Months ago now that hasn\'t happened now its going to Trial March 4th in Brevard County fl Will you please help us. We have done nothing wrong. Thank God my mother didn\'t have to Bury another child
Sincerely Jennifer & Mark
I had got a van for them a year ago and I mad all my payment even my mom made some payments and they claimed they didn\'t get the payments. Couple months later my heat started making weird sounds and they didn\'t say nothing. Then the breaks when out and the windshield motor went out and almost got in a car accident. The I gave back the car and the sued me for more than what the car is worth. I called credit acceptance multiple times and they said they can\'t help with fixing the car but they wanted they money. So why would I pay for a car at the time if you would help. I did did pay out of pocket to get the brakes and windshield motor fix. It was $250 for labor plus $200 for the parts.
Credit acceptance is lies about they cars.
Since I had to get rid of my previous vehicle I had to hurry and find a reliable one to get me back and forth to work and really important Dr appointments I needed to be at. Due to having no credit at all I was only able to get approved for an auto loan with credit acceptance and my actual loan was less then $10,000 and I new my financing fee would be a lot since I had no credit but never once did they tell me it would be more then my actual car loan and I would end up owing over $21,000 for it. Fast forward 6 months, been making my $320 payments on time and my car just stopped accelerating as I’m driving to work (at this point I had 2 jobs plus Dr appointments). Got it to a shop and of course the warranty company fought everything, I called Credit Acceptance customer service since the warranty company I was paying for wouldn’t do anything and the girl actually seemed sympathetic, she definitely had me fooled because she completely lied to me and seemed so sincere as she apologized and said she understood what I was going through then she told me to wait a few days and my warranty company will deny the claim, once they do call back and they’d work with me and get me into a more reliable vehicle. I did what I was told and called when my claim was denied the girl ended up transferring me to a supervisor that was rude and inconsiderate and even after I brought up how I was lied to, with no hesitation she said “I don’t why she said that but oh well it’s not our problem you’re still responsible for your loan if you don’t make the payment we’ll send it collections for the full amount”
So basically I’m expected to pay $21,000 for a car that was worth less than $10,000 and didn’t even last a year.
What they’re doing to people isn’t right and I’m about to lose everything I worked so hard for, please help me
I got a car loan with them that was for $10,000 with $1500 down. I went from what was supposed to be a loan for $8500 to owing $13,000 right off the bat! Additionally, when I wasn\'t able to make a payment, they\'d call between 5-8 times a day, including Sundays. They finally took the car and I\'m glad cause I won\'t be dealing with their rude attitudes, deceptive practices, or their piece of junk car that I NEVER agreed to pay $15,000 for.
I got a car loan with them that was for $10,000 with $1500 down. I went from what was suppo
Credit Acceptance is trying to sue me for a car that was repossessed . The original hearing in Broward county was dismissed but now they are trying to reopen it. I was never served. The clerk of courts has my sons name down as who a private processor left paperwork with which is not true. There is a upcoming zoom hearing on 11/13/2023 to see if the courts will reopen their claim. I need help and I want to see if I can turn the tables onthem. Had a car for $450 a month for 4 years. Originally purchased in Georgia. They would not help when i lost my job and couldnt afford the car or the repairs associated with it. Do I have any options for arbitration as I am rwading on your website? Help Please
Harassing phone calls 10+ times a day. Sometimes I will get calls from them after 8pm.
Really want them off my back and out of my life.
I do have significant debt with them that I cannot pay back.
Credit Acceptance have been making fraudulent reports of late payments on a closed charged off auto loan account. Since April of 2019 until now July 2023 account. The account been closed since May 2019 and they fraudulently reopened it after the pandemic in 2020 and have violated CFPB.
They are by far the worse company to finance with. If your desperate to get a car. Still don\'t do business with these ppl. They overcharge you what the car is worth and also very high interest..There being sued right now for engaging Illegal practices. Which they have been with me making fraudulent reports of past due late payments on a closed charged off account. Since My account been closed since 2019 and they fraudulently reopened and have violated CFPB. I have disputed multiples times online and now sending my disputes letters to all 3 credit bureaus for them to investigate. Credit Acceptance needs to be shut down.! Asap they ruin ppl lives and credit like they did mines.. My credit dropped significantly because they continues to report past due late payments on my credit report from when my last payment was made in 2018. Up until now of July 2023. My car been towed in 2019. They charged it off sometime between 2019 thru March of 2020 it was written off the whole duration of the pandemic then fraudulently reopens the account. Now its currently in open status and dropping my score badly. Which prevents me from future loans to finance another car. They suck I hope one day they get sued for all they got.!!
During Covid, i set up to be on a deference program they offered as I suffered a job closing during that time, three months they lasted and instantly blew up my phone saying they never offered that program to anyone and to backpay everything. I couldnt do that in the middle of covid with NO MONEY COMING IN. They picked up the car and ended up suing me without notifying me of any court date, i only found out I was sued by a letter saying they are now garnishing all of my wages in 15 days. I WILL BE HOMELESS in 15 days still no car and a ton of debt they already reported. how can they sue without telling you. i was never notified to be in court.
I have a loan with credit acceptance I feel like illegal things are being done with my loan
I list my job during the pandemic. I tried to make arrangements with this company. They told me to pay the interest and everything would be OK. So I did for 4 months. After 4 months they started calling me 20 times a day demanding full payments of past due plus late fees and penalties. After a couple weeks of the harassment I finally told the I can\'t afford it I\'ve lost everything due to covid so come pick it up.
They sold the truck @ auction and now I\'m being sued for more than I owed on the truck.
I requested arbitration and the guy on the phone refused to talk about it. This company is a joke and should be shut down.
I bought a car at DADA AUTO INC I had to get it financed through credit acceptance the owner at the car dealership acted like his printer was messed up when it was time to print off my contract when I received my contract the dealership doubled the price I was supposed to be financed through the bank the car price I was financed went from 6500 to 18000 pls help
I was sued by credit acceptance corporation for a deficiency of $5520 I settled with them for $1000 a hundred dollars a month for 10 months I completed all my payments to them and they reported them to the consumer reporting agencies first payment started December 15, 2021 and my last payment was September 15, 2022 they are still reporting a balance of $4520 I disputed with the cra’s all came back verified can I sue them
please help me figure out why i\'m responsible for a car that was never my car..police reports are there stating the fact it wasn\'t my car it was his and they made me give the car to him never had the car in my possession he took it to don\'t know where!
