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 247 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.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Credit Acceptance has 1.9 star rating based on 247 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.Recent recommendations regarding this business are as follows: "If you can avoid this company, please, do so.", "Take customer concerns into consideration, Sometimes we have struggles just as I'm sure even you do as well. Thank you for giving me the trust to work with me. Lynette Knecht", "Be vigilant there a good lender just sometimes frustration will build in your body and then it turns to rage.", "Do not use this lender.", "The see you all for the finders vehicle".
Most users ask Credit Acceptance for the refund as a solution to their issues.
Consumers are not pleased with Customer service and Diversity of Products or Services. The price level of this organization is high according to consumer reviews.
Media from reviews
Top Credit Acceptance Reviews
"Pleased"
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...
"Overall Performance"
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...
Bakersfield, California
Pleased
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.
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 |
Pittsburgh, Pennsylvania
Harassment calls after payment has been made
We are still getting harassment calls even though the payment had been made days ago.
Furthermore, I had made several payments ahead of time, so the account would not have been behind. I sent an email telling them to stop calling, but they continue to call us.
I've also recently learned that they are possibly a predatory loan company. I really hope they aren't trying to rip us off, both for this month and for the times when I made several payments ahead.
- Possibility of them being a predatory loan company
- Possibility that they might be trying to rip us off
- Harassment calls
Preferred solution: I want them to stop harassing us and to not rip us off if that's what they're trying to do. An apology would also be appreciated.
User's recommendation: If you can avoid this company, please, do so.
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 |
Irving, Texas
Claim
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.,,
User's recommendation: The see you all for the finders vehicle
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 |
Chicago, Illinois
CEASE AND DESIST NOTICE
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.
- Gap insurance
- Hidden charges
- Harassment
Preferred solution: Compensation in Circuit Court for $250,000.
User's recommendation: Do Not Utilize Credit Acceptance Corporation
Isnt it amazing this lender expects these smelly, sorry, serial deadbeats to make their payments on time!
Replying to
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 |
Lansing, Michigan
Resolved: Overall Performance
My credit report has been updated and now reflects the payoff.
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.
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???
Dallas, Texas
October's late payment
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.
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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.
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.
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.
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.)
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Verified Reviewer
DONT LET THEM FOOL YOU
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.
Preferred solution: Apology
User's recommendation: READ FOR SUPPORT
Looks like spam?
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Verified Reviewer
They came and got my car
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
Preferred solution: My car back and let me continue to pay for the solution to get the molds out
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.
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Verified Reviewer
Credit Acceptance Pick-up of Surrendered Vehicle Following Filing of Chapter 7 Bankruptcy
On July 30, 2024, I called Credit Acceptance Customer Service and spoke with the bankruptcy representative to advise I was surrendering a 2015 Ford Focus, Serial Number 1FADP3E21FL353434 pursuant to filing Chapter 7 Bankruptcy Case No. 24-2**** on July 26, 2024.
I advised the bankruptcy representative that the car is located in the parking lot in front of Ace Hardware at 23 MacCorkle Ave., St Albans, WV.
The vehicle was overheating and leaking oil and I thought it best not to keep driving it.
The license plate and inspection sticker expired in July 2024 so the St.
Albans Police Department will likely have the vehicle towed. If Credit Acceptance has no interest in picking up the vehicle, I offer $1.00 to redeem the car from Credit Acceptance to release the title and lien at which time I will have the vehicle towed to a junk yard or other suitable disposal.
I look forward to a suitable response for resolution for this vehicle.
Preferred solution: I would like the surrendered vehicle to be picked up.
User's recommendation: Do not use this lender.
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Verified Reviewer |
Hutchinson, Kansas
Auto loan
My name is Lynette Knecht, I financed a 2014 Ford fusion with your company, I put $6000.00 down and financed the remainder, I paid this vehicle off in full, I want to keep this vehicle and am looking for another vehicle, with low mileage and requested to finance it thru Credit Acceptance, I was turned down because I was late on a few payments, I always made arrangements and made those payments up the following month along with that current payment, it is only human to have struggles in life but I feel it shouldn't be used against you as long as you complete your promise, I'm requesting an Allodial Title to my 2014 Ford Fusion and would appreciate feedback as to whether I would qualify to finance another vehicle thru Credit Acceptance, with no down payment, I'm looking for a vehicle with low miles and low payments.and would appreciate feedback on these concerns, my new contact number is 712-895-****. Thank you Lynette Knecht 9-1-2024
User's recommendation: Take customer concerns into consideration, Sometimes we have struggles just as I'm sure even you do as well. Thank you for giving me the trust to work with me. Lynette Knecht
"Sometimes we have struggles" Typical Serial Dead Beat noise.... You signed a contract at a joke like this (because you can't pay your bills on time) that said you MUST pay on time ALL of the time.
But all is not lost.
Pull the contract you signed and show them the "human struggle" clause, and you should be golden. If not, you're just another Serial Dead Beat with another hard luck story.
Saint Louis, Missouri
Fraudulent activity
Prestige Motors fraudulently adjusted the price of a car they just sold me. I want my loan adjusted to the original sale price of the vehicle.
Once they knew I was coming to sign the paperwork they went up on the price of the car. I have screenshots to prove my claim
User's recommendation: Don’t shop at Prestige Motors
In other words, YOU didn't even bother to READ the terms of the contract before YOU agreed to them! You people are hilarious!!!
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Verified Reviewer
Find dealership in my area
I only have three dealerships that offer financing. Can you send me more dealerships in the Central Arkansas area ASAP?
I cannot get through on the phone; it does not accept my social security number. Please call, I am pre-qualified!
- Customer service call center
Preferred solution: Apology
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Verified Reviewer |
Bolivar, Tennessee
Police Report 07/07/2024
I have attached the police report and am waiting for the declaration page from Direct Auto to be submitted.
Preferred solution: Price reduction
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Verified Reviewer |
Henderson, Nevada
Late payment
This is Gloria Wilder. I know I'm late on my payment.
I start a new job tomorrow.
Please give me 2 weeks. I promise I'll catch it up.
- There great
Preferred solution: Apology
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Verified Reviewer
Keep report an INCORECT late payment on my report
Mailed a payment that arrived during the Christmas period in 12/20. The payment was received within 30 days, BUT they processed it in January 2021.
Therefore, CA posted a 30 days late on my report. I spoke with the rep at the time who confirmed that it wouldn't have any impact on my credit.
This was not the case. I'm bringing this to a higher level now!
- Problem for customer
- Slow payment processing
Preferred solution: Need CA to report the CORRECT information as I was NEVER late, not 1 time. This is UNACEPTABLE.
User's recommendation: AVOID ! CA will *** up your credit for NO reason.
Greetings; 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.
About
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 is ranked 162 out of 1105 in Loans and Mortgages category
USA
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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!