• Report: #615625

Complaint Review: Credit Acceptance Corp in Detroit,Mi

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  • Submitted: Sun, June 20, 2010
  • Updated: Mon, September 20, 2010

  • Reported By: imnotabadperson — Maryland United States of America
Credit Acceptance Corp in Detroit,Mi
Internet United States of America

Credit Acceptance Corp in Detroit,Mi Wrongful repo, Internet

*Consumer Comment: The 3rd of the month comes before the 20th of the month each and every month!

*Author of original report: Don't you read?

*General Comment: What are you teaching your daughter?

*Consumer Comment: Screw Your Silly "karma"!

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This has been a horrible experience for us. It started a year when my daughters car was totaled and we went in search of a new one for her. We found a local dealer that approved my husband for a loan through Credit Acceptance.

My daughter had a broken ankle at the time and was until to drive the car for several months. Once she did start driving it, there were problems with the car one after another.

First it wouldn't start for her sometimes leaving her stranded at work or at school. Other times it dashboard would flash, or the keyfob wouldn't work, or the tire pressure light would come on.

We were told when we purchased the vehicle that we would be able to request a due date change once we received the payment book. Well we called to request the change and were told no way, that they do not change due dates. Our due date was the 20th, our pay date is the 3rd. You can see how this was going to create a problem. So what we did was pay a little bit more than the regular payment so that we would eventually be caught up ahead and would be paying for the payment due on the 20th of the month on the 3rd of that month almost 3 weeks early.

Bam! wintertime, car won't start, call Credit Acceptance no it was not turned off. Okay buy a new battery, car started but the next week same problem. Took car to a dealer and they check it out and say they can't find any reason why the car won't start but that there is a major engine problem with the antifreeze leaking into the manifold. Wah? So they call our warently people and the do approve a repair. Okay got that fixed for the 100 deductible.

About two months later daughter calls, car won't start again. What the heck? Okay after several attempts at jump starting it finally starts. We drop the car off at the dealer. After several days they call us to say the car won't start.. um yeah we knew that.. So we call Credit Acceptance and while the car was in the shop they had turned the ignigtion off with the GPS security system they have attached to the car.  Yes we were late with the payment. As stated above we couldn't pay until the 3rd of the following month. So they turn on the car with a 24 hour emergency turn on. Dealer checks out car and calls us to report that the ignigtion is bad. And it would be 750 to repair and it not covered by our warrenty. What?? We had no choice but to have it repaired . Okay pick up car a few days later pay the fees and on our way.

But wait, here it is two months later.. the car gets turned off by Credit Acceptance.. .yes it was a late payment. but after making the payment by western union and provided the MCTN they turned the car back on hrms.. car won't start, call again, they send the signal again, car still won't start, then electrical burning smell comes from car. I make daughter take out key and get out of the car. We call Credit Acceptance again, explain what is going on and that now nothing is working no lights, no bells, no anything since they sent the signal. Credit Acceptance tells us to contact the dealer and explain to him that their seems to be a problem with the GPS system. I call the dealer and he said it wouldn't take 10 months for a problem to show up and he installs these systems all the time. So we call Credit Acceptance again, they told us to take car to dealer, car won't start so dealer has it towed by a company they use. Okay, dealer says the ignition is fried and the GPS shorted it out. And that it will be 750 to get it fixed. We just had this problem fixed two months ago. Dealer says he will call back. Calls back and says GM will repair the ignition free but they won't pay for towing and we would have to pay the 80.00. Well daughter needed the car for school and work so we paid the 80 bucks.

And now three weeks later daughter starts new job, 45 mins away from home. First week on the job she comes out of work for dinner break and her car is gone!! People with whom she works say they saw a car matching her describtion being towed earlier. Talk about embarassing?!! Heck yeah! And the tow truck driver had trouble,, first he drug the car with the nose scrapping across the lot, then he cut some wires from under the car then hooked up the car the other end and it drug the rear of the car badly and kept on driving. Um if the car was that late why not just turn the car off like Credit Acceptance had done twice before?? Oh wait, let humilate the 18 year that drives it and sneak in and take from the parking lot where she works for a major nationwide company and really stick it to them. Oh no flat bed needed we will drag the car around until its totalled and then try to auction it for the lowest price possible?

So daughter calls me hysterical, after I finially understand what she is saying I tell her to let me call Credit Acceptance. So I did and when I called the message says if your car has been repoed.. press one.. I knew thats what had happened once I got that message. I pressed numbers and finally reached a person. The conversation was not nice, she is like well your payment of May 3rd was returned.. yes I knew this..I try to tell her I have made payment since May 3rd I made one this month on June 3rd, She says mame argueing with me will not make this any easier. I explained I wasn't arugueing but informing her that her information was not accurate or upto date. She says hold on. After a few minutes she comes back and said car was wrongfully repoed. WTH? So my daughter was totally humiliated at a new job for no reason.. she was going away for the weekend with her bags in the car, her medication, her money, her gift cards from graduation. I asked her if she would have them return the car. She said they were closed and there was nothing she could do until Monday. OMG. That the payment I made was not credited to our account because the person that took our information on June 3rd failed to forward the information so that account could be updated.

So why if you could turn our car off so it wouldn't start several times before did you just not do that this time? Had it been turned off I would have known there was a problem and called right away. Had we received a letter I would have called right away, Had we received a phone call I would have know instantly there was a problem and been able to avoid all this confusion and harrasment. My daughter is scarred for life now due to this and we still don't have our car that was wrongfully repoed. And what of the damage done to the car by the tow truck driver? What about my daughters creditbility at her job?

Credit Acceptance is a terrrible company to work with. They are always right. They think all their customers are deadbeats that have bad credit  cause they don't pay their bills. Well some day karma will come back to you and when it does I hope I am there to see it. Some people have bad credit due to identity theft, or medical bills that insurance didn't cover, or a family member that screwed them and they didn't want to press charges against them. Its not all black and white. And you have a sub-prime loan because you ruined your credit. I just hope none of these things happen you any of you.


This report was posted on Ripoff Report on 06/20/2010 10:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-Acceptance-Corp-in-DetroitMi/internet/Credit-Acceptance-Corp-in-DetroitMi-Wrongful-repo-Internet-615625. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

The 3rd of the month comes before the 20th of the month each and every month!

AUTHOR: MovingForward - (United States of America)

Yes, I read.  As long as time itself, the 3rd of the month comes before the 20th of the month each and every month. If you don't recognize that fact, then the rest of your story is suspicious too. You are twisting the dates around in the month. It would not be surprising if the 'facts' in your story were twisted too. One of the other posters has a name for this, he calls it 'subprime thinking'. I agree.
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#2 Author of original report

Don't you read?

AUTHOR: imnotabadperson - (United States of America)

Wow,


I have taught my daughter very well, thank you.. She is an honor student with excellent work ethics, and top notch morals. She has very good credit and her bills are paid on time thank you.


I complained about how we were told we could change the due date when we purchased the car..and then were told we could not after we already had signed. The 3rd is not 17 days before it is due it is 20 days after.. . The problem is not making the payments.


The problem was that they repoed the car that they had no business repoing in the first place.


This is what  I am complaining about ""45 mins away from home. First week on the job she comes out of work for dinner break and her car is gone!! People with whom she works say they saw a car matching her describtion being towed earlier. Talk about embarassing?!! Heck yeah! And the tow truck driver had trouble,, first he drug the car with the nose scrapping across the lot, then he cut some wires from under the car then hooked up the car the other end and it drug the rear of the car badly and kept on driving. Um if the car was that late why not just turn the car off like Credit Acceptance had done twice before?? Oh wait, let humilate the 18 year that drives it and sneak in and take from the parking lot where she works for a major nationwide company and really stick it to them. Oh no flat bed needed we will drag the car around until its totalled and then try to auction it for the lowest price possible?""


 


And btw, Credit Accepatance apologized saying they made a mistake that the car was not subject to reposession. It was returned to our home the next business day. We had nothing to pay and nothing due. The car is paid on time like I said I was doing with making the extra payments. Court case is pending against the repo company due to the damage done to the vehicle. Thanks.


Ya'll have a nice day, ya hear? 

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#3 General Comment

What are you teaching your daughter?

AUTHOR: MovingForward - (United States of America)

You said in your report that the due date was the 20th of each month, yet you were paid on the 3rd of each month. That is 17 days before your payment is due. Given that your paycheck comes more than two weeks before the due date of your car payment, you had plenty of time to get your payment to them on time each month.


If you are saying that the maintenance and repairs of the car kept you from making the payment on time, then you need to understand that one has nothing to do with the other. If you want to own a vehicle, you have to make provisions to pay for maintenance and repairs regardless. If you can't afford a payment AND repairs - then buy a beater for cash and make the repairs accordingly.  


You said your daughter is scarred for life over this incident. That's rediculous! She is scarred only if you turn the issue into something else other than what actually happened. As parents we have the duty and obligation to teach our children not to get in over their head. What did you teach your daughter?

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#4 Consumer Comment

Screw Your Silly "karma"!

AUTHOR: Jim - (USA)

Here's the bottom line:

All the mechanical problems you've had with the car are problems with the car and not the lender.  If you bought junk, it is a matter between you and the dealer.

People who are subprime borrowers are subprime because they gave themselves a reputation of not paying their bills on time.  The reasons do not matter.  The lender wants their money back with on time payments.  They could care less about why the payment is late.  They are a business, not a charity and not your financial counselor.

If you have a payment due on the 15th, they need a payment on the 15th no matter how far ahead you are.  If the 16th comes and you haven't paid, you are late.  Because you have this reputation of not paying your bills on time, they don't mess around.  Collection efforts begin. 

If you don't ever want this lender to disable the ignition the simple solution is to make every payment ON TIME.  If you don't have enough money coming in to do this then you get a part time job to bring in more money.  And don't tell me "there are no jobs".  Thats WELFARE TALK!

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