American Credit Acceptance Repo Fee

I am the author of comment and would like to remove it. Anonymous PissedConsumer May 09, PissedConsumer Some of you heartless people quick to judge others like the grass always going to be green on your side when u sign up with credit acceptance they let u know if you some how moving or lose a job you can get your payments deferred from what I was told when I bought my Chevy Cruze everybody have a point in there lives when they may need help and for people to sit and criticize I'll let God handle that he always come right on time.

We bought a vehicle for my son as a first time buyer with CarMax using aca as funding. It's inappropriate or not family friendly. I found out my loan was article source 21 days after the fact! Over a year???? In general, American Credit Acceptance will work with you before resorting to repossession. Ive always paid, a day or 2 late sometimes but ive always paid my payments.

We pay our cars off and then they take them do their diet in them and our names are still attached and then sell them either back to or to another fool.

Reply 2 9. You'd hear the biggest squeals coming from the sorry serial deadbeats! What the negative items will show up within a week but all the on time payments arent reported. You pay you ride. As soon as I googled this company, all my fears of what I went through with GM financial came flooding back!

I never ever received anything from this company in writing or otherwise that explained anything about this situation. Post comment Cancel. Send report Cancel. What they do is messed up! Glad to see im not the only person having issues with them.

Had 4 alignments, 2 transmissions and involved in a murder. I am a single mother, who could not afford for best software professionals repair credit garnishment, and it really put a strain on me.

Sexual exploitation of children. I have ALL documentation to prove that they take your money, then they take your car. How Much Are Repossession Fees? I work for an automotive finance company and although it is unfortunate that financial circumstances change as they sometimes do, anytime a vehicle is purchased under a legal binding contract the individual signing the contract is responsible for seeing the loan through; regardless if the vehicle is drivable or not, or if it is in your possession.

It was nice having somebody local. It includes private information. Full Name Job Title Email. Anonymous PissedConsumer Aug 01, Pay it on time. It is important to note, however, that many states allow repossession after just one missed payment. It's a duplicate by the same member or copied text. Three months ago, I found out that they were filing a judgment against me and were planning on garnishing my paycheck. I celebrated that the nightmare was over! I loved my bank, the interest rates were high but they were always honest and direct.

Thank You for Your Reply! Run from these people!!! They closed their doors and went out of buisness. It contains commercial or promotional content. I instantly started loan shopping. Private message. They say They report on the 1st of every month and there is an issue with the reporting to thw bureaus.

Reply 1 4. They never contacted me after the many attempts I had made. So again, I say please, please, please stay away from this company! Reply 3 4. Answered Read More. I need help! I never got a call back ever, and finally, I got tired of calling and quit making attempts. I have lost sleep, had to be medicated for ulcers and migraines over the stress this has caused me! And they did garnish my paycheck, four times. I want to report something else.

If you wish that your prior post be removed, submit a notarized letter. If you wish that your prior post be removed, submit a notarized letter.

The only reason I even knew repair it credit legal is was about to happen was because I looked myself up on my local clerk of courts website. I bought a car in Jan ofthen my loan was bought out by aca in Feb Not one thing has been reported to the Bureau. The anger i have is real! Then they ruin your credit and sanity. Anonymous PissedConsumer May 17, american credit acceptance repo fee, Anonymous PissedConsumer Jan 22, PissedConsumer U must work for the company.

When Does Ally Repo Cars? Even though not reporting is legal, but if they tell the consumer they report then they should be made to report. The company is likely to repossess sooner if you have a short account history or often miss payments, representatives told us. Reply 3 1. I live in CA! Issue Description. Contact Review Author. I believe this company is a scam and should be held accountable for what they are doing to people.

Anonymous PissedConsumer Mar 18, PissedConsumer Where do you sorry serial deadbeats get this idea the lender must go along with you when you don't pay on time? And the sad part is that I would have gladly worked out some type of arrangement with them had I been given the opportunity.

They think they are above the law!!! Issue Description. When i call, i get the run around. I am the author of comment and would like to remove it. I filed bankruptcy to clear this up, and I will make sure that everyone I speak to is fully aware of Credit Acceptance Corp and their sneaky tactics and what a low-life group of scum is employed there. This business is closed or doesn't exist.

Before repossessing your car, American Credit Acceptance will attempt to contact you. I am affiliated with this business and need to report something about this review or business. Comment review. Opened in August not one thing has been reported it has not been reported he opened a loan he made three payments before truck was totaled the truck was completely paid off and it still has not been reported. American Credit Acceptance Reviews.

Thank you so much!!! I have everything so just let me know what to do next. We are processing your message. This was false, I immediately had my agent fax them my policy.

Accounts that are in good standing and have a history of on-time payments usually have longer grace periods.

Write a private message as American Credit Acceptance verified representative. American Credit Acceptance will follow the repossession regulations for each state. You can try to reach review author by writing a comment to the review or try one of our business solutions.

Grow up and pay your bills on time! If you want your response to count towards your company rating, you can also leave a comment for this review. I have everything so just let me know what to do next. Where do you sorry serial deadbeats get this idea the lender must go along with you when you don't pay on time?

American Credit Acceptance - Bad Repo. My point is this: if you don't like the rate, don't take the deal. Our content is free because we may earn a commission if you are credit repair spreadsheet think products after clicking ads on our website.

Discounts and Special Offers. To avoid repossession, you can contact American Credit Acceptance at if you anticipate missing a payment. Thank you so much!!! YOU defaulted on the contract. I had 2 car loans joint with my ex through Credit Acceptance bank in The customer servi e staff in nice from y dealings with them. Comment Helpful 9 Not helpful 0. If you don't like the rate and can't negotiate a better deal, leave the dealership and go some where else to buy.

Most lenders give you a notice before selling your car at an auction, and during this time, you can work to get the vehicle back. Over a year???? When i call, i get the run around.

Diversity of Products or Services. Opened in August not one thing has been reported it has not been reported he opened a loan he made three payments before truck was totaled the truck was completely paid off and it still has not been reported.

Privacy and Data Security. American Credit Acceptance - Had car repossed after just being behind one payment! Additional Fees. I celebrated that the nightmare was over! Ive always paid, a day or 2 late sometimes but ive always paid my payments. Some of you heartless people quick to judge others like the grass always going to be green on your side when u sign up with credit acceptance they let u know if you some how moving or lose a job you can get your payments deferred from what I was told when I bought my Chevy Cruze everybody have a point in there lives when they may need help and for people to sit and criticize I'll let God handle that he always come right on time.

Skip Navigation. Comment the review as American Credit Acceptance verified representative. Legal Issues Common customer complaints against Credit Acceptance include harassment from repossession agents; some of these instances have resulted in lawsuits. Having said that, if you are currently in a bad deal, then work on your credit to refiance out of it or sell the car. Product or Service Quality.

They think they are above the law!!! Private messages do not impact your company rating. Advertisements Some advertisers may pay us for this ad to appear on our website or provide us with a referral fee.

They say They report on the 1st of every month and there is an issue with the reporting to thw bureaus. It was nice having somebody local. And the rate your going it seems you will always be that way.

I don't see the problem You can get repoed even after 1 day is a company chooses to do so. The anger i have is real! I have lost sleep, had to be medicated for ulcers and migraines over the stress this has caused me! Recovering a Car After a Credit Acceptance Repossession Customer service representatives at Credit Acceptance were unable to tell us whether customers who have had repossessions can get their cars back. Run from these people!!! Rating Details.

Sometimes bad things happen to good people. I sounds like you are asking them to excuse you from paying what you owe. I'm hoping I can possibly use them again in the future to help rebuild.

I believe this company is a scam and should be held accountable for what they are doing to people. I loved my bank, the interest rates were high but they were always honest and direct. Price Affordability. I instantly started loan shopping. Forum Topics. I have ALL documentation to prove that they take your money, then they take your car. Don't trade it as it will make the debt worse. Credit Acceptance Repossession Policy In most cases, Credit Acceptance will start the repossession procedure for vehicles beginning with the first missed payment, customer service representatives said.

If your back is against the wall that's when the worst decisions are made. I bought a car in Jan ofthen my loan was bought out by aca in Feb Not one thing has been reported to the Bureau.

We pay our cars off and then they take them do their diet in them and our names are still attached and then sell them either back to or to another fool. This was false, I immediately had my agent fax them my policy.

Private messages do not impact your company rating. Customer service. Even though not reporting is legal, but if they tell the consumer they report then they should be made to report. You have a contract and a due date. I found out my loan was bought 21 days after the fact!

Glad to see im not the only person having issues with them. I have read and agree to the Pissed Consumer Terms of Service. Had 4 alignments, 2 transmissions and involved in a murder. If you want your response to count towards how to repair your credit score in 30 days company rating, you can also leave a comment for this review.

As soon as I googled this company, all my fears of what I went through with GM financial came repair cost credit company back! We bought a vehicle for my son as a first time buyer with CarMax using aca as funding. I wish to receive email notifications about future comments.

There are usually a few options available for you to recover your vehicle:. If you did not have bad credit you would not be dealing with them anyways.

What they do is messed up! For more on repossession policies at other third-party lenders, see our research on Exeter Finance and Ally Financial. You can try to reach review author by writing a comment to the review or try one of our business solutions. They closed their doors and went out of buisness. I live in CA! It's all very plain and very simple. Would any of you sorry serial deadbeats be upset if the boss says "payday is delayed, can you help me by taking less pay this week"?

Billing Practices. What the negative items will show up within a week but all the on time payments arent reported. I need help! Then they ruin your credit and sanity. They exercised their right to do a repo. If you remember to separate the transactions: the purchase of the vehicle vs the cost of moneyyou will get better deals in the long run.

Email address:. American Credit Acceptance - Bad Repo. We help consumers who have complaints about collection harassment. I never got a call back ever, and finally, I got tired of calling and quit making attempts. Diversity of Products or Services. I never ever received anything from this company in writing or otherwise that explained anything about this situation.

I am a single mother, who could not afford the garnishment, and it really put a strain on me. But, I once had a car loan with Bank of America and for 6 months in a row I was making my payment 32 days late keeping me 1 month late constantly.

And the sad part is that I would have gladly worked out some type of arrangement with them had I been given the opportunity. Or, instead you can send a secure message to our legal team. I am being charged late fees unfairlybombarded with phone calls but no voicemail, they are rude to me, american credit acceptance repo fee, they offer only mail as the only way to make a payment without charge in the yr !.

If you want your response to count towards your company rating, you can also leave a comment for this review. Privacy and Data Security. I think they are doing predatory actions and do not trust or believe anything they say.

Price Affordability. Quick links: Who is? Write a comment below to share online. This Whole article is kind of funny. Three months ago, I found out that they were filing incredible way credit repair judgment against me and were planning on garnishing my paycheck. Thank you for requesting your free case evaluation.

Now you are out all that money and still need a car. I understand your plight, trust me I do. When you sit in the area of past 30 days for a long time and don't get your account to a current status then yes, they will repo your vehicle. Get free legal evaluation Lemberg Law? I emailed them about my concerns only to be told to call them.

Please enter a valid email adress. Additional Fees. However, and not in defense of ACA, what you're not realizing is this. Stop Them Delete Credit Report? Review is a subjective opinion of PissedConsumer We started to leave and they said lets see what we can do. I am being told now I am 17 days late on my loan and worried they will be reporting my credit inaccurately.

In the meantime, you are welcome to call us right away at We look forward to working with you to resolve your legal issues. They never contacted me after the many attempts I had made. One of our staff members will call you shortly. Now these don't have a working phone i have called 5 days in a row and held on hold for 30 minutes the the call goes dead.

I filed bankruptcy to clear this up, and I will make sure that everyone I speak to is fully aware of Credit Acceptance Corp and their sneaky tactics and what a low-life group of scum is employed there. Billing Practices. Then they take advantage of you with promises only to pacify you. I work for an automotive finance company and although it is unfortunate that financial circumstances change as they sometimes do, anytime a vehicle is purchased under a legal binding contract the individual signing the contract is responsible for seeing the loan through; regardless if the vehicle is drivable or not, or if it is in your possession.

Want to know if you could sue? Call us today. Customer service. Sorry, your blog cannot share posts by email. A finance company has the right to terminate its contract with you if they feel you have become a risky borrower. We ended up with a nice car with a nice package of extras but instantly the deal started off BAD! Location: Troy, Alabama. So again, I say please, please, please stay away from this company! The short answer is yes. I HATE American Credit Acceptance, but I think if you thought your situation out a little more and a bit more maturely and stopped pointing fingers then you'd see that they did not break the law in the way they repossessed your vehicle.

Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. If there is a "reposs" can somebody have a "poss"??? Somebody please tell me I see whining, wailing deadbeats use this term all the time.

Please enter a valid phone number. These people have a little thing called KARMA they should think about every time they pull these stunts! Our latest content sent weekly First Name. I did again, only to be given the run around. How Much Are Repossession Fees? I have read reviews on this company and very concerned on what to do.

We Stop Calls and Harassment. Write a private message as American Credit Acceptance verified representative. Private messages do not impact your company rating. It is unfortunate that you had some hardships, and I have been there before. I read online where others have been treated the exact same way. You can try to reach review author by writing a comment to the review or try one of our business solutions. Discounts and Special Offers. The only reason I even knew this was about to happen was because I looked myself up on my local clerk of courts website.

Email is required to block spam, but will not be published. I am ready to contact BBB and consult a lawyer. Please select your star rating. I am not an employee of ACA, but I am a customer. Our latest content sent weekly First Name. This is such a shame that they are treating people this way. Can I ask you how much time do they give you to get your car back? And just like you, they took my car and told me the fees that would be involved if I wanted to get my vehicle back.

Complaints Lawsuits Contact Calling? Rating Details. Look at the end of the day it wasn't right Theu could have let that person catch up because they going to sell the car at a auction about a dollars and that person still left with the remaining balance just a big tax write off for the company because they know the person cant pay the whole remaining balance.

Last Name. Sign up. We can absolutely help. Sound Off! Last Name. I wish you had a recording that you could show a lawyer or some email documents to make a case. Yes No. And they did garnish my paycheck, four times. Contact us now to find out more. The ignorance of the American People is quite apparent here!

I am the author of comment and would like to remove it. Now my car is too old to get refinanced through another bank, I feel like they trapped us! Post Comment Post as guest Login Sign up. Im more than willing to pay for my vehicle, not asking for anything for free…. I will be turning my car in to avoid this extortion and my credit will be ruined because of this. Some states require longer waiting periods before repossession and may also require written notice to the customer.

Your Email. Comment review. This business is closed or doesn't exist. Asking if there was anything they could do to help me since I was just getting back to work. Contact Review Author. Worst mistake of my life. They add late fees and interest.

Advertisements Some advertisers may pay us for this ad to appear on our website or provide us with a referral fee. Please do anything but. I have ALL documentation to prove that they take your money, then they take your car. Accounts that are in good standing and have a history of on-time payments usually have longer grace periods.

The company is likely to repossess sooner if you have a short account history or often miss payments, representatives told us. It had been in an accident. Jackie Jackie Nov 02, Reply 0 0. Three months ago, I found out that they were filing a judgment against me and were planning on garnishing my paycheck.

Private message. Post comment Cancel. This has been read article nightmare and it will now impact my family and I for the rest of my life. You can try to reach review author by writing a comment to the review or try one of our business solutions. I got a loan with American Credit Acceptance March on a Yukon with money that carried over to the loan that I owed on a trade in.

I was told that the car would be sold that following week and to call back then. Terms of Service. I could not afford car payments and car repair, so I called them and said to come get the car as I don't have the money and I was getting further into debt.

American Credit Acceptance Reviews. I was nervous and worried due to the HIGH interest rate but was told that I had the option to refinance once I was able to provide proof of good payment history. In general, American Credit Acceptance will work with you before resorting to repossession. Before repossessing your car, American Credit Acceptance will attempt to contact you. As I started looking into it more the odometer was wrong. Comment the review as American Credit Acceptance verified representative.

For more information about the Credit Acceptance repossession policy, see below. I am a hard working person and there will be no way to get out of this loan and no way to ever pay this loan off, they make sure of it. Great Comment! Comment Helpful 9 Not helpful 0. I never got a call back ever, and finally, I got tired of calling and quit making attempts. Katelyn Katelyn May 12, What is the address where they store the reposted cars in dallas texas. They did come to get the car. I have made all m6 payments!!!

Is there anyway you can help or am I just out of luck on this? I have a auto loan with acc. What they do is messed up! Our content is free because we may earn a commission if you purchase products after clicking ads on our website. I am so pissed I got every document I could from them. For what? We are processing your message. Is it even legal for them to do this to people? We pay our cars off and then they take them do their diet in them and our names are still attached and then sell them either back to or to another fool.

I need help! I did and left my name and number on a voicemail. If you want your response to count towards your company rating, you can also leave a comment for this review. It's posted to the wrong business. I called them a week later asking about the remaining balance on the loan. I wish to receive email notifications about future comments.

I live in CA! Then they ruin your credit and sanity. The only reason I even knew this was about to happen was because I looked myself up on my local clerk of courts website. They said no so now I am 2 months late. First Quarter Finance. Had 4 alignments, 2 transmissions and involved in a murder. My credit report is so messed up its funny. Username and password will be sent to you via email. They write whatever they want down.

I continued to make payments until the came and took my vehicle. The car isnt even work 15 thousand on KBB. I had a car financed through them. I will be contacting Carmax and telling them how horrible this lender is. I agree to TOS Cancel. Anonymous PissedConsumer Oct 01, Barbara, I am so sorry for your horrible deal you got! If you wish that your prior post be removed, submit a notarized letter. I want to report something else. Convert into review Leave as comment. In most cases, Credit Acceptance will start the repossession procedure for vehicles beginning with the first missed payment, customer service representatives said.

I took that one down to the dealership. I had triple by pass surgery. The car was a lemon. You will be automatically registered on our site. Thank You for Your Reply! Send report Cancel. I have read and agree to the Pissed Consumer Terms of Service. Private messages do not impact your company rating. American Credit Acceptance - Had car repossed after just being behind one payment!

Write a private message as American Credit Acceptance verified representative.

Worst mistake of my life. I was told that the car would be sold that following week and to call back then. However, Credit Acceptance customers have reported that they were required to pay the full balance of the loan, plus associated fees, in order to reclaim their vehicles after repossession.

They knew about my situation and I didn't have the money. I had a car financed through them. She found a Scion tC Release Series 5. It had been more than I anticipated. The not voluntary repo effects on credit thanks was a lemon. American Self credit repair Acceptance - Bad Repo.

Article source you ,Sincerely Barbara Nevins. I would recommend that no one, under any circumstances, use this company! Check this out BBB has closed complaints against American Credit Acceptance in the past three years, with 96 closed in the past 12 months.

Also I received a letter in the mail saying that I could get the car back if I paid the full amount plus the money I owed, I was also told I broke the contract, and if they sold the car And didn't get the amount owed that I would have to pay the rest, I believe that is not right because they took the car and was making it impossible for me to get it back. I have to children to take care of an to keep safe an trying to be able to get around safely with the pandemic an all so this vehicle was a major decision that i had to make to sc credit repair anderson an commit to for our safety an health an these people are taking advantage of that.

OH BOY! The customer is setting customers up to owe more than they should. Review is a subjective opinion of Shahin of Middletown, RI. First thing Jessica said to me is that I needed Then I explained to her about the deferment that Patty was supposed to do, well she brushed that off as saying it was too late, and she could give me a deferment for one month. Review is a subjective opinion of PissedConsumer We started to leave and they said lets see what we can do.

Preferred solution: I want ALL repo fee's refunded, since it was your system that failed to update my information. Sound off and share your experience with other visitors in the comment box below. It is important to note, however, that many states allow repossession after just one missed payment.

I could not afford car payments and car repair, so I called them and said to come get the car as I don't have the money and I was getting further into debt.

However, the car is crumpled. Well one day I came out to leave my job and a tow truck was towing my car away. October i did fall into a financial slump the money i paid for my car for was from my income tax money i had finally received im a single mother. Most of those complaints allege problems with billing and collections. I wish you had a recording that you could show a lawyer or some email documents to make a case.

She told me I would need and the repo fee to get the car back, even went as far as giving me the tow truck number. Thank you! Now you are out all that money and still need a car. I never got a call back ever, and finally, I got tired of calling and quit making attempts. But they sold my car i have documentation from the company telling me this. I wish someone could look into this matter as to this is very upsetting to me.

I have proof that I updated my info 3 times on your website. This was our first time dealing with a situation such as this and you guys made it so straightforward. Many complaints also allege problems with customer service. I just got another job in Feb. If you want your response to count towards your company rating, you can also leave a comment for this review.

I paid on the account as much as I could afford, leaving me one payment behind and late fees. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump. The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call You not only got the calls to stop but you have the company to dismiss the accounts once and for all!

Accounts that are in good standing and have a history of on-time payments usually have longer grace periods. And if i pay by that date my payment would not consider being late an i could renegotiate my payment contract with them since they were a different company.

Justia lists at least 49 federal civil lawsuits involving American Credit Acceptance. Not that I didn't want the car or need the car, but she was trying to get me to pay more money ,that I did not have. Then they take advantage of you with promises only to pacify you.

With no test drive, they rushed her through piles of papers. Customer service representatives at Credit Acceptance were unable to tell us whether customers who have had repossessions can get their cars back. We ended up with a nice car with a nice package of extras but instantly the deal started off BAD!

I submitted all the information she needed for a deferment. American Credit Acceptance will follow the repossession regulations for each state. The company is likely to repossess sooner if you have a short account history or often miss payments, representatives told us.

You can try to reach review author by writing a comment to the review or try one of our business solutions. I just feel that I was lied to by Patty to begin with who never gave me a deferment, and the car was taken with only one payment behind and I was trying to make american credit acceptance repo fee payments. Can you please please help me with getting this story out i tried calling them an they would not answer tge phone.

They did come to get the car. I called ACA and spoke to Jessica in the redemption department. Main St. Please prove all the negative reviews about your company wrong and make this situation right. Credit Acceptance Repossession Policy In most cases, Credit Acceptance will start the repossession procedure for vehicles beginning with the first missed payment, customer american credit acceptance repo fee representatives said.

I have a lawyer working on this as to wrongful repossession!!!!! Against my gut feeling, I let my young adult handle it all; she did well prior to setting foot in the dealership. These people have a little thing called KARMA they should think about every time they pull these stunts! While the repo lady was here she blocked me in took my keys an threatened to call the cops on me like i did something wrong which i should have let her call the cops because i have all documents to support my claims.

Spartanburg, SC Telephone: We will fight for your rights. These records should include both the original information, as well as the information that was changed. Location: Troy, Alabama. You are asking for trouble!

She put me on hold when she came back she began to question me about the next payment due in two days ,I told her my situation and that I got paid every two weeks and I would like to pay two hundred dollars every two weeks, well she began to sound like she was backing down from giving me the deferment ,so I told her to keep the car. I called American Credit Services they dont even know whats going on.

Thank you for your attention to this matter, I hope you can come to a sensible solution. I did and left my name and number on a voicemail. I hope the rating is for this blog. I called them a week later asking about the remaining balance on the loan. I would like to get the car back but I do not have plus dollars if I had that I wouldn't have lost the car. To avoid repossession, you can contact American Credit Acceptance at if you anticipate missing a payment.

Sometime between September 6thth they already sold the car to them. So i had to resign contracts an send them back to American Credit services. As confirmation, here is your information that we have on record. If I would have know that the car was going to be taken after only being one payment behind I wouldn't of gave them dollars I would of saved it to buy another car.

If this email find its way to your eyes an even consideration Thank you for reading. Private messages do not impact your company rating. Comment the review as American Credit Acceptance verified representative.

So for Octobers payment i had a payment arrangement with American Credit Services to make my payment by November 6th i have documents dated from them with this agreement. Write a private message as American Credit Acceptance verified representative.

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