We purchased a used SUV from a dealer in March of 2009. We knew that our credit was in dissaray, so we weren't too surprised at the interest rate (25%). We were told by the salesman at the dealership that in order for us to be approved by the lender that we had to have a checking account so that the payments could be debited automatically. That was not a problem. All of our payments were made on time until I lost my job. The loan was only for 2 1/2 years. It wasn't until I couldn't make the June 2010 payment was I made aware that they had the ability to disable the car. The salesman never explained that to us. I called Credit Acceptance on June 23rd to inform them that my payment would be made in a few days, the rep said "okay" and we hung up. I received a call about 4 am on the 24th from a manwho stated he was from Credit Acceptance and that he was outside about to reposess my vehicle. After speaking with him for a few minutes outside I gave him the keys to my car because he didn't have a flatbed tow truck and I didn't want him to tow my car on a whell-lift tow truck. I asked him where he was located and tole him I'd be there in a couple days. After speaking with C.A. they told me I had to pay an additional $325 to redeem my vehicle. I eventually mde the payment on the 30th. After going back and forth with them I was informed that my car was about 2 hours from my home at the auction site (I still made the June payment in June). After contacting the auction site, they informed me that I would need a tow truck because the transmission on the car was no good. I never had a mechanical problem with this vehicle. I had to go back and forth between the repo agent and the auction site to try and determine who was responsible. I decided to contact C.A. for same assistance. The rep in the reposession told me that any damages that occurred has to be handled by me and that they "had nothing to do with that." My position is that if the repo agent was acting on the banks behalf then they are responsible as well. Nether the repo agent or the bank wants to hold responsibility for damages that occurred while in their possession. I Had to pay over $1300 in repairs and towing and now I have to fight to get my money back.

credit acceptance is a rip off. I bought a car from them, it is payday car.i got sick and fell behind. so i call them .Everytime you try to explain situaiton all they know is reprosession.The suv i have the note was 386.00 a month got behing they waned $500.00 amonth and now they want $600.00 I cant pay that i have to live anfd have other oligations.I realize i am bejind but $600 on 1999 car is ridicilious.Now the car needs ovet $2000 worth of work.I have been paying th $600 but its not going to work for me. And dont miss an aggrangemet they cant wait to say you defaulted your pmt arrangement.

One day me a and my parents went looking for me a car, sure enough we went to a lot that looked crappy but went anyway because we had been searching for months. So we went to a dealer and a lady took my info ask me to pick out a car(really it wasn't any nice cars there but they was drivable). The car I had picked out had already been wrecked and had a big dent on the left side in the back it was noticeable but to an extent.

Getting to the point I was approved with 1500 down and went to sign all the papers with my mom her name was on it too due to my dad having an disability. Once finishing signing papers we had a long wait saying that the car was being inspected and that they had to make sure everything was working but it took them hours. never did they tell us that they was putting a device on the car and never told us at anytime the paper we was signing was agreeing to have the device put on there and didn't mention at anytime that it was part of the contract.

They went over payments with us and the total but skipped out on the small print that stated about the device and we wasn't able to fall behind even 2 days. We found that out maybe a month later when I had made my payment ON TIME yes ontime and they cut my car off to see was the device working thats when I found out and call my mom and said my car wont crank. we called them they said it was a test of course. I asked test what and then they explained and stated that we signed the paper I said no they said yes .we will mail a copy to you and from then on it was h*ll.

They have the car back in they possession right now, its horrible if I would have knew that no way that would have been my first car experience. Small print should be illegal making prints smaller where you cant see it or just over look it and don't mention it to you where it could be read is very misleading.

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.

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.