Credit Acceptance
Credit Acceptance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
2.0 star rating from 141 reviews; consumers are mostly dissatisfied and only 28% would likely recommend Credit Acceptance. Reviews show many customers seek a refund or resolution and frequently mention title, payoff, and billing issues.
Positive Feedback
Some consumers report successful financing despite low or damaged credit and a few note helpful, flexible payment assistance from agents.
Negative Feedback / Risk Areas
- Repeated complaints about poor customer service and phone access problems.
- Reports of repossession, disputed billing, incorrect credit reporting, and withheld lien release or title.
- Delays or failure to issue refunds and settlement breaches.
Key Takeaways for Future Customers
- Read Credit Acceptance reviews and contract terms carefully before signing.
- Document payments and demand receipts; pursue refunds in writing if overpaid.
- Expect difficulty contacting support; escalate early on title, payoff, or dispute issues.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
2.0 star rating from 141 reviews; consumers are mostly dissatisfied and only 28% would likely recommend Credit Acceptance. Reviews show many customers seek a refund or resolution and frequently mention title, payoff, and billing issues.
Positive Feedback
Some consumers report successful financing despite low or damaged credit and a few note helpful, flexible payment assistance from agents.
Negative Feedback / Risk Areas
- Repeated complaints about poor customer service and phone access problems.
- Reports of repossession, disputed billing, incorrect credit reporting, and withheld lien release or title.
- Delays or failure to issue refunds and settlement breaches.
Key Takeaways for Future Customers
- Read Credit Acceptance reviews and contract terms carefully before signing.
- Document payments and demand receipts; pursue refunds in writing if overpaid.
- Expect difficulty contacting support; escalate early on title, payoff, or dispute issues.
Media from reviews





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 |Late pymt
Nothing, very pleased. I would buy another car in a heartbeat. Never had any trouble or misunderstandings.
User's recommendation: Go with them
Robert has my case but won't comply
I voluntarily had them pick my car up (voluntary repo) because it broke down (undriveable) & my loan is over anyway. I was ignorant at first about the settlement he called me about becausethe car has SOLD.
Then called back to request the Debt Cancelation form instead. They won't do what's right & provide that to me. They are trying to get extra money. Why would I pay anything on a car when there is no longer an agreement because THE CAR SOLD ELSEWHERE.
You all better call me & straighten this out with the debt Cancelation letter & reflecting paid on my credit along with the PAID letter he said I'd get from you guys. I've made a copy of this review and page.
User's recommendation: Ask car lots if this company is their lender. If so, go somewhere else.
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 ReviewerSettlement agreement
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.
- Cheat customers
Preferred solution: Full refund
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 |Glenn phillips
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.
- I hate thus bank
Preferred solution: Not to garish wages set up some kind of payment arrangement
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 ReviewerResolved: Refund
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
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****.
- Not always treated with respect when calling
Preferred solution: Full refund
User's recommendation: I found an active email address for them; CSrequests@***.com
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 |Employment Verification
Requesting Employment Verification. For: Stricjavvar Floyd Strickland. Employment as a pastor, Galilee MB Church.
- Not 24 hour service information upon initial call
Preferred solution: Requesting employment verification
User's recommendation: Awaiting response: reviewing response time.
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 ReviewerCar issues
It was nothing they can do about the situation. I’m not even worried about it.
Thank you. Please don’t ask me to explain my situation again please, and thank you
My issue wasn't resolved at all! They didn't handle it thoroughly.
Customer service sucks! My issues went unresolved!
Preferred solution: Valuable info
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.
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
User's recommendation: Give them a chance
I would like to speak to someone
Calling about my vehicle payoff account and how I could continue working with them. The service was great and the person was so polite.
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 ReviewerTo share my experience
My issue was resolved barely. It could have been handled better if they wouldve listened to my concerns thoroughly.
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 ReviewerPleased
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 ReviewerClaim
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 |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.
- Hidden charges
- Price gouging
- Harassment
Preferred solution: Compensation in Circuit Court for $250,000.
User's recommendation: Do Not Utilize Credit Acceptance Corporation
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 ReviewerResolved: 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.
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.
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 ReviewerThey'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.
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 146 out of 1156 in Loans and Mortgages category
USA
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What you will see is the only complainers are those who pay late then cry, whine and stomp their feet because they just can't stand the consequences THEY caused! They are usually SERIAL DEADBEATS who were given a chance by this lender but end up screwing them as well. Keep paying on time and you will have no problems and good work, so far.