Credit aceptance is the worst company ever! i paid my loan every month on time like a decent person. so i pay it off EARLY and what do they do? the wont release my title to my car?! well they kept saying that that would fax it over but did they? no? do they think people are ***? it takes 5 minutes to fax paper work.. not days and days. the customer service there is horrible. i wouldnt recommend going through this company to my worst enemy. be smart DONT GO THROUGH CREDIT ACEPTANCE.. you WILL regret it!thanks for your time!

I decided to buy a car and signed all the paperwork to have it set up as auto-pay so I would have no problems with the payments. The first month they decided to turn off my car because they said somebody called them and took off the auto pay. I know for a fact I didn't call them and they didn't call me. I work m-f and leave at 4am. I got into my car this morning and once again my car won't start. I can't call because of there business hours don't open until 8am. So I am screwed because I can't get to work. Not to mention my payment is not even due today. Apperently they do not care what they do to people. How am I suppost to get to work with my car if they keep doing this...?

My husband and I had our car repossessed and we only owed 295.00. CAC got our car towed ( well the tow guys drove my car instead of hooking it up). We had to pay the tow bill over 300.00 bucks plus 295.00 to get the car back. These are horrible people. We even told the people that it would be 3 days before we could pay the 295.00 b/c we get paid every two weeks. These people need to be put out of business. I am thinking about a lawyer at the moment to get my tow bill money back. If I was 800-1000 behind I could understand but they could not wait 3 more days until we got paid. I would highly reccommend people NOT to got thru CREDIT ACCEPTANCE. THEY ARE RIP OFFS. I am going to trade this car in for another vehicle that is not thru CAC.

Sincerely,

Stephanie Blevins
Benton Ar

They harrass you constantly! Non-stop calls at home/work/cell, sometimes 10x per day for me and the same for my wife daily except Sundays! They have no customer service to help you and you can't understand anyone on the phone! Also, if you want top make payment arrangements, you can only do it 21 days prior, EVEN if you want to make automatic payments for months ahead of time! They rip you off! That's their way of getting you for interest! DON'T EVER USE THEM!

In February 2007, I purchased a vehicle through a local used car dealership. The loan was through Credit Acceptance and problems began almost immediately. My payment agreement was set for 406/month. At that time, I set this up to as an auto draft on my bank account. The company that processed these payments for Credit Acceptance was TruPay. When the paperwork processed at the dealership, the total bi-weekly payment came out to 188 (45 months bi-weekly payments). Not long after that, we recieved a letter from Credit Acceptance saying that there was a mistake made and they needed us to call. I called and was told that they needed to change my bi-weekly payment to 203. I inquired about the every third month when on a bi-weekly schedule, there would be an additional payment scheduled, would they just ignore that payment or would I have to pay this additional payment. I was told then that there was no way to set up the account to stop this payment. I requested a detailed payment schedule from them to include these payments and showing the change on the pay-off date with this included in the mail. I never received so I never approved the increase in the auto draft.
Now we are in February of 2011. We knew that our last payment was due the end of November, 2010. The last auto draft came out of my account November 26, 2010. In December, 2010, we recieved our payment book in the mail (1st time we have ever gotten a payment book). There has been no other mail recieved from them requesting us to contact them or stating any monies were in default. Got up this morning, February 9, 2011 and my car is gone. It has been repossessed. After going through two different representatives with the company, found out that my contract had ended, all principle was paid but there was still outstanding interest due of over $600.00. The first representative stated the amount was 627, thirty minutes later and another representative it was 676. The reason they are giving for the auto draft stopping with money still due was because the contract was over and the principle had been paid.

I have not received any information from them in the mail since November with the exception of my coupon book (again - received after the scheduled pay out date). We have previous to this received numerous letters including the one in February of 2007 to let us know that they were changing companies that process their autodrafts and misc. other items. At no time, did we receive any information from them that the account was in default and at risk for repossession. They have stated that they made numerous attempts to reach us by phone (a number we have not had since 2009) but no attempts on our secondary number which is my husbands cell. I have verified that they did not mail anything to us. They apparently do not handle business that way (we sure do have a crap load of other letters from them-some based upon this loan and others are advertisements). Now we owe not only the interest but an additional 250.00 repossession fee and we have one day to pay or the car goes to auction.
Needless to say, I have spoken to an attorney today who has informed me that the only way to get the car back now (today) is to pay what they are requesting. He is, however, going to look into the case to determine if there are any legal issues and feels as though the information I provided over the phone could in fact, support my claim that there is lending fraud involved. Once I meet with him, if he determines fraud was involved, he will be representing me. If I just let the car go and fraud was involved, they could be forced to pay the total amount loaned along with any interest paid. The problem is, I have to come up with another means of transportation until this is resolved and really cannot afford to do that right now. So they have you where they want you and NO, I will not let this drop.