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Credit Acceptance

Credit Acceptance

www.creditacceptance.com
What is your customer experience with Credit Acceptance?

Credit Acceptance Overview

The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.

  • Credit Acceptance has 1.9 star rating based on 253 customer reviews. Consumers are mostly dissatisfied.

  • 28% of users would likely recommend Credit Acceptance to a friend or colleague.

  • Rating Distribution
  • Pros: That they approved me for financng with a low credit score, Being able to get financed with damaged credit, Non.
    Cons: Horrible customer service, Awful customer service, Overall experience.

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Media from reviews

Credit Acceptance - Claim
Credit Acceptance - Claim - Image 2Credit Acceptance - Fraudulent activityCredit Acceptance - Fraudulent activity - Image 2Credit Acceptance - DONT LET THEM FOOL YOUCredit Acceptance - DONT LET THEM FOOL YOU - Image 2Credit Acceptance - They came and got my car
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Top Credit Acceptance Reviews

Positive Review

"I would like to speak to someone"

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Calling about my vehicle payoff account and how I could continue working with them. The service was great and the person was so polite.

Critical Review

"Glenn phillips"

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Please don't garish my wages. Can we try to set up some kind of payment arrangements? Small amounts a month. I'm willing to do payments on my own.

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Glenn P Lcs

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Southfield, Michigan

Glenn phillips

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Please don't garish my wages. Can we try to set up some kind of payment arrangements?

Small amounts a month. I'm willing to do payments on my own.

View full review
Cons:
  • I hate thus bank

Preferred solution: Not to garish wages set up some kind of payment arrangement

Michael S Dct

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Settlement agreement

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A settlement agreement was made to your corporation on my behalf by the Hartford Insurance Company. Your corporation accepted said settlement agreement in the amount of $991.17.

That agreement was breached by your company after acceptance of payment.

Your company agreed to release title upon receipt of settlement payment by your company on 02/10/25. Your company on 02/25/25 asked for and received additional funds in the amount of $2,199, which was a breach of our agreement.

View full review
Loss:
$2199
Cons:
  • Cheat customers

Preferred solution: Full refund

1 comment
Guest

Hey Einstein, it's the CAR which is insured and NOT the loan. The insurance company pays the value of the car and NOT what you still owe on it Looks like YOU were upside down in the deal....you owed more money than the car was worth.

Resolved
myfluffyone A

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Resolved: Refund

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Updated by user Mar 06, 2025

Company fixed the issue and I have been provided with apology. I had to send them a copy of my bank statement proving that I overpaid it took 5 weeks

Original review Feb 19, 2025

I paid off my car and received the title, however, I overpaid $400 and still have not had a refund. My account number was 9358****.

View full review
Loss:
$400
Cons:
  • Not always treated with respect when calling

Preferred solution: Full refund

User's recommendation: I found an active email address for them; CSrequests@***.com

Mia W Tui

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Southfield, Michigan

Employment Verification

Requesting Employment Verification. For: Stricjavvar Floyd Strickland. Employment as a pastor, Galilee MB Church.

View full review
Loss:
$10000
Cons:
  • Not 24 hour service information upon initial call

Preferred solution: Requesting employment verification

User's recommendation: Awaiting response: reviewing response time.

Katrina M Sal

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Car issues

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My issue wasn't resolved at all! They didn't handle it thoroughly.

Customer service sucks! My issues went unresolved!

View full review

Preferred solution: Valuable info

1 comment
Guest

"Car issues"??? If you're talking csr mechanical problem, the LENDER has nothing to do with that. If you're complaining because they won't let you skip payments or play the "Change The Due Date Game", then grow up and make your payments on time, every time.

Demarian Pie
map-marker Bartow, Florida

The company is very professional and has answers to questions about what to do with the payments and the insurance on vehicle no complaints from me thank you for financing me.

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I loaned my car to my daughter and she let her boy friend drive my van and got into a accident but they helped me thru this situation very professional and has released a lot of tension on me ty

View full review

User's recommendation: Give them a chance

Galilea Yxp
map-marker New York, New York

I would like to speak to someone

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Calling about my vehicle payoff account and how I could continue working with them. The service was great and the person was so polite.

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Katrina M Sal

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Colonial Heights, Virginia

To share my experience

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My issue was resolved barely. It could have been handled better if they wouldve listened to my concerns thoroughly.

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Raydon Yvv

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Verified Reviewer
| map-marker Bakersfield, California

Pleased

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They helped me with my payment options and changed them instantly. They connected me with someone who was knowledgeable about my payment options and was able to put me at ease.

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1 comment
Guest

Keep up the great work! The only complainers are the SERIAL DEADBEATS who just can't stand the consequences THEY CAUSE by not paying on time!

Madline Jik

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Irving, Texas

Claim

Credit Acceptance - Claim
Credit Acceptance - Claim - Image 2

Gooday you all have done a great job already and you all work from your heart in job Im please to be a customer of credit acceptance for the last year Ill be greatly appreciated by sending customers you all way I please to say you all business fine with me, so keep up the good work and stay focus on the prize, its pleasing you and your coworkers have a good day smooches enjoy the blessed day that we are having.,,

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User's recommendation: The see you all for the finders vehicle

1 comment
Guest

The complainers are those who don't pay on time and then come here to cry and whine because they just can't stand the consequences THEY brought upon themselves and its always somebody else's fault. That's called the deadbeat smell!

Jacqueline G Die

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Chicago, Illinois

CEASE AND DESIST NOTICE

Credit Acceptance - CEASE AND DESIST NOTICE
Contains 1 confidential file for company representatives

Dear Legal:

This email is the first notification and documentation Jacqueline Gholston-Gray has filed a Cease and Desist Decree against Credit Acceptance Corporation for excessive charges and for hidden fees not disclosed during the financing and purchasing on one, 2019 Mercedes GLA. Please See Further Notices In Forthcoming Court Proceedings.

There is a pending civil lawsuit against Credit Acceptance Corporation. Within the next thirty (30) days Credit Acceptance Corporation will receive legal notifications from the Circuit Court, Jefferson County, Birmingham, Alabama.

PLEASE NOTE THIS IS A CEASE AND DESIST NOTICE UNTIL YOUR COURT SUMMONS ARE DELIVERED VIA A PROCESS SERVER.

View full review
Loss:
$30
Cons:
  • Price gouging
  • Gap insurance
  • Harassment

Preferred solution: Compensation in Circuit Court for $250,000.

User's recommendation: Do Not Utilize Credit Acceptance Corporation

23 comments
Guest
reply icon Replying to comment of Guest-2496954

I think the post combining Credit Acceptance and Mercedes is the most hood thing I’ve seen on this site in a while.

Guest
reply icon Replying to comment of Guest-2496954

I discovered you work for Credit Acceptance. I will see you in court soon.

I have screenshot all three of the messages on here.

This is my proof you are a representative of Credit Acceptance Corporation. I am letting you know you will be terminated soon.

Silviano Zvl
reply icon Replying to comment of Guest-2496954

@ Guest-249**** . .

. . How would you know anything about my case or any other dissatisfied customers who have utilized Credit Acceptance Corporation? If you don’t work there, why would you be concerned with my complaint?

If you don’t work there, I am guessing you work at AutoOwners Insurance. Is this Carrington? The fact of the matter is your client is a liability. She had been in four accidents over the past ten years.

Then in October, 2023 she totaled two more vehicles. And, you’re on here complaining about having to pay for two more vehicles.

If I had my way, I would continue this case in court and pull up all the other cases where your client totaled four other vehicles. And Your Mad at the Victim in the collision.

Silviano Zvl
reply icon Replying to comment of Guest-2496970

Guest-2496****, I bet your hood? Only individuals from the hood would make a silly claim. Show your hood face.

Guest

"Hidden fees" is the phrase used by those who don't have the COMMON SENSE to READ what they are signing BEFORE they agree to the terms!

Guest
reply icon Replying to comment of Guest-2496536

It's just more whining from a SERIAL DEADBEAT. No telling how far they are behind on their payments.

There is no such thing as "hidden fees". That's an excuse used by people with so little COMMON SENSE, they don't even bother to READ what they are agreeing to before they AGREE to the terms.

Guest

Hey Loser. Having fun playing wannabe lawyer?

This is a third party site people use to post complaints or issues with any of the thousands of companies out there. Readers can also respond. This forum may be seen by the company in question but usually it is not. You will want to re-examine how a Cease and Desist notice is delivered.

It is through mail, email, an attorney or in person.

You have done none of these. I would guess you are in for a miserable, expensive time so go get working on that letter and getting it delivered correctly.

Leanthony Jed

@ Pissed Consumers Customer Service: Who is Jacqueline G. Die?

I think there is a typo or an error in the publication. Please make corrections.

Guest
reply icon Replying to comment of Guest-2500591

You're NOT crazy! These sorry, stinking serial deadbeats end up being PLACED with a subprime dead beat lender because BANKS with a lower APR won't touch them because these serial deadbeats destroyed their own credit.

This lender gives them a chance but they are so stupid they don't pay them ON TIME either! They come here to cry, whine, wail and stomp their feet because they can't stand the consequences THEY CAUSE!

They come here talking big about how they suddenly have all this money to pay an attorney when they can't even make their car payments! Pretty funny!!!!!

Guest
reply icon Replying to comment of Leanthony Jed

Call me crazy but isn't there an arbitration agreement in place for anyone stupid enough to get one of these loans? You see, these people are used to dealing with deadbeats and amateur lawyers who think they can sue their way out of their debts.

This is why places like this typically have an arbitration clause.

There won't be a class action suit and hopefully, no one will fall for your scam. This place is full of nonsense like this which deadbeats fall for because they think they can get something for nothing.

Leanthony Jed

My Loss is greater than $30. My loss is $52K.

However, Credit Acceptance has an agent/ representative on here committing the act of slander, and disclosure of personal information only and agent would have access to.

Therefore, I am pursuing Credit Acceptance Corporation in Circuit Court for $300,000. If I am notified by at least 10 other customers, we will pursue a class action lawsuit against Credit Acceptance Corporation.

Guest

Hey Keisha...How's this lawsuit working out for you?

Guest
reply icon Replying to comment of Guest-2542932

I am interested . Also, I am apart of one lawsuit with a law firm that actually contacted me first about a class action case their firm have been working on for about a year.

Even so, I will participate in any and all lawsuits against Credit Acceptance Corporation. I think it’s a great idea to collaborate and unite to gather evidence and to build a class action base on PissedConsumer(s). It is past time to shut Credit Acceptance down.

We can continue this conversation via email. Please Email: theparalegalbriefcase@***.com

Guest
reply icon Replying to comment of Guest-2542932

The ONLY complainers are the sorry, smelly serial deadbeats who don't make their payments on time and can't stand the consequences THEY CAUSED.

Guest
reply icon Replying to comment of Guest-2542932

I will gladly be part of it.

Guest

Greetings; If y'all are interested in auditing y'all accounts with Credit Acceptance, we got you. We're working with a consumer Advocate company that will be assisting us with filing a mega lawsuit against this company including, petition the Government to shut down this company from doing business in our Nation.

Most importantly, we're seeking the arrest of everyone involved providing the fact that it's a ponzi-scheme and they threaten consumers with extortionate credit transactions. We've found everything they do and how they implement their scams against the consumers. We're using their own trust documents, 8K, 10K documents and something else that I cannot expose here.

However, if you want to be a part of this history of shutting down these scammers once and for all. We're going for $4Billion and we don't need any Bar Members to do this with what we have.

Guest

My loss is GREATER than $30. Let’s come together and pursue Credit Acceptance Corporation for BILLIONS. That’s enough money for all the Plaintiffs, Attorneys and Law Firms.

Guest

If you serial deadbeats wouldn't have destroyed YOUR credit by NOT paying previous creditors on time then you would be able to get a low APR loan from a bank.Of course, its always somebody elses fault, isn't it?

Guest
reply icon Replying to comment of Guest-2584196

I have identified you. You will be fired from Credit Acceptance Corporation before this year end. Thank You for Your Support.

Guest

Isnt it amazing this lender expects these smelly, sorry, serial deadbeats to make their payments on time!

View more comments (22)
Resolved
Michelle C Maa

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Lansing, Michigan

Resolved: Overall Performance

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Updated by user Jul 19, 2024

My credit report has been updated and now reflects the payoff.

Original review updated Jul 19, 2024
I had issues with this company from the beginning. The real problems arose when the company was bought out and neither company informed the consumers.

They sent out confusing documents and correspondence without first letting us know there was a buy out. In addition to that, I could not find anyone at either company who could tell me what was going on or why I was receiving the documents. The phone number provided was supposed to go to the new owners but kept getting re routed to the old company. The customer service was horrible as they didn't understand what the problem was and would not help resolve it.

After trading in my vehicle, the company posted that I was overdue on my payments and never reflected the pay off from the dealership. It's nearly impossible to get anyone on the phone.

I was only able to get this resolved and my credit report updated by going through this website. Pretty sad that two established finance companies are this incompetent.
View full review
1 comment
Guest

The payoff was supposed to be sent to them by the car dealer. How do you know the car dealer actually did that in a timely matter???

Anonymous
map-marker Dallas, Texas

October's late payment

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I James moss Will make a $293 truck payment when new Debit Card arrives,some one tried stealing my identity using my Debit Card info in different locations throughout Florida during the Milford Hurricane!!,(so as you know being a finance company)The bank cut off the old Debit Card & they're sending me a new Debit Card & when it arrives you(Credit Acceptance)will be paid & all caught up,sorry for all the inconvenience,I will clear this matter up as soon as possible & thank you for your time & patience & God Bless.

View full review
Alex W Cgs

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

They've been really nice and flexible with me. I'm just frustrated with the emails I get after I've spoken with someone about my account.

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I already spoke with a representative about payment for my vehicle. I told the representative that I would call in the payment. I have been calling since Friday and still, no calls have been answered.

View full review
Loss:
$10

Preferred solution: I'm completely upside down in my loan and I'm hoping I can talk with someone to get me upside on my loan.

User's recommendation: Be vigilant there a good lender just sometimes frustration will build in your body and then it turns to rage.

1 comment
Guest

Being upside down means you owe more than the car is worth. This happens due to factors ENTIRELY UNDER CONTROL of the buyer.

The factors are a high interest rate. You were PLACED with this sub-prime lender because YOUR credit reputation is bad. (Solution: Pay your bills on time.) You put too little down thus financing more and paying more interest. (Solution: Make a high down payment.) You financed for too long a term.

(Solution: If you need to have a long payback contract, you will pay more interest and that's an obvious sign you cannot afford the car.) You traded a car upon which you still owe money. (Solution: Pay off the trade-in first. When you owe on a trade-in, that owed amount doesn't just vanish. It is added to the new loan and you end up paying for two cars but driving one.) What can you do now?

Get a part time job on your weekends. Dedicate every paycheck to paying extra on the loan so that you don't need to pay all the interest.

If you make payments late, you generate more interest and late fees. (Solution: Pay on time.)

Vicente T Zzp

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Verified Reviewer

DONT LET THEM FOOL YOU

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Credit Acceptance - DONT LET THEM FOOL YOU
Credit Acceptance - DONT LET THEM FOOL YOU - Image 2

I had a distressing experience when I invested $31,000 with this dubious broker who ultimately swindled me. Despite my exhaustive search for solutions, none seemed promising until I stumbled upon [P S T P 2 R E C L A I M].

Their exceptional expertise and dedication enabled me to recover my lost funds. I am immensely grateful for their assistance in resolving this unfortunate situation.

View full review
Loss:
$32000

Preferred solution: Apology

User's recommendation: READ FOR SUPPORT

1 comment
Guest

Looks like spam?

Aqauz O

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

They came and got my car

Credit Acceptance - They came and got my car
Credit Acceptance - They came and got my car - Image 2
Credit Acceptance - They came and got my car - Image 3
Credit Acceptance - They came and got my car - Image 4

Reson cause my car was repo in November in 2023 when I got my car back it was water damage and it sit up mold in my car I had to pay to get the molds out I have not made a payment but I was going to make a payment tomorrow of 80 dollar but my direct deposit was messed up so I couldnt make the payments til tomorrow after 12 when my money is deposit so I think they came and got my car thinking Im going to do a law suit but Im not I just need transportation to get to work Im going summit my bill tomorrow they can do auto payment to receive my payment every month I had to pay for molds to get removed if not Ill be sick please allow me to make that payment and the other payment on the 29 with auto pay thank you I was upset to see the mold in my. Car for me to get sick Im fine with that but my kids no Im not I want to keep the car and continue on get the mold removed but I have to pay out of pocket Ill do that cause I dont want my boys to get sick Ill get sick but not My kids so I pay my neighbor to take my kids to school so they want inhale the scent of the mold r get sick so allow me to make that payment and pay for my mold to be removed out pocket and my car at the same time I have the 80 dollar to pay tomorrow after 12 please

View full review
Loss:
$500

Preferred solution: My car back and let me continue to pay for the solution to get the molds out

2 comments
Guest

How many molds are there? No punctuation, run on sentences and writing like a child. Why not get an adult to write for you???

Guest

How long did was the vehicle in the possession of the repo company for mold to grow in it? How did water get into your vehicle? I would suggest reaching out to the repossession contractor who would actually be the one responsible if they caused damage to your vehicle and let them know.

View more comments (1)

About

Summary

Credit Acceptance Corporation is a financial services company. The company was founded in 1972 by Don Foss. Credit Acceptance is headquartered in Southfield, Michigan. Credit Acceptance Corporation specializes in providing of vehicle loans. The company offers its auto loans regardless of the credit history of the customers to give them the opportunity other lenders do not provide. Credit Acceptance Corporation has more than four thousand customers. The main service of the company is the Guaranteed Credit Approval Program. The program is provided through a huge network of auto dealers.

Credit Acceptance offers it program realized through the patented Credit Approval Processing System.

Credit Acceptance reviews and complaints

Credit Acceptance is ranked 165 out of 1136 in Loans and Mortgages category

Area Served

USA

Payment Methods

VISA

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