• Report: #1118080

Complaint Review: Credit Acceptance Corporation

  • Submitted: Fri, January 24, 2014
  • Updated: Fri, May 09, 2014

  • Reported By: legaleagle51 — Worcester Massachusetts
Credit Acceptance Corporation
25505 twelve Mile Road Southfiled, Michigan USA

Credit Acceptance Corporation Harrassemnt via telephone and public shaming Southfiled Michigan

*Consumer Comment: Jim

*Consumer Comment: Here Are The Facts...

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 I had a loan with CAC. Because of a loss of income I was no longer able to pay $345 per month on a 39 month loan of which I had 20 payments left. All my payments were on time every month. I am really tired of hearing almost daily from Credit Acceptence collections personnel who this week violated Massachusetts State regulations by calling me during a job interview. I said I could not talk now, to which you person called me back. Needless to say I did not get the job.  I have also asked Credit Accepetance  to stop doing their annoying phone calls three to four times a week, asking the exact same questions for which they already have the answers to which also is a violation of the regulations set forth by the Commonwealth of Massachusetts Division of Banks, which regulates and licenses companies such as CAC to do business in the Commonwealth of Massachusetts.  Under Massachusetts law, “repeated telephone calls which are causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.”( 209 CMR 18.15) Its illegal in Massachusetts. I today received a letter of your intent to sell property and 2 telephone calls. The letter I have faxed to the Division of Banks so they can add it to my complaint file against Credit Acceptance Corporation .  But the telephone harassment is going to stop one way or another. Public shaming me via the telephone is illegal. Today I gave them a written notice to stop the harrassment vai the telephone. If they do not than maybe a corut order of protection(resraining order) plus a civil suit might work. They got sued in 1997 for this behavior among other illegal actions that cosdt them 12 million dollars in federal court. You would think that they would learn to change their behavior. I guess not.


This report was posted on Ripoff Report on 01/24/2014 06:54 AM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-Acceptance-Corporation/Southfiled-Michigan-48034/Credit-Acceptance-Corporation-Harrassemnt-via-telephone-and-public-shaming-Southfiled-Mi-1118080. 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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#1 Consumer Comment

Jim

AUTHOR: Cindy - ()

I agree with you that the bills we take on are our problem. But with the way things are now a days NO JOB IS SECURE. Not even if you own your own company. Good for you if you have had an excellent experience with Credit Acceptance. More and more people have not. Not only the Deadbeats as you have put it. I am a customer with Credit Acceptance and I hate them. I DO pay my bills on time and have for the last 3 years. NEVER BEEN LATE on a payment...count my blessings...But they had a computer screw up and tried to say that I had not payed in 3 months and they where coming to get my vehicle. Thank god I kept all my receipts from western union. I had to fight like hell to get the harrasment to stop. So my whole point is this that someone thinks they are being mistreated by a company who in the hell are you to call them names and belittle them. If you don't like what you are reading click off. Karma is a b*** when she finds you.. These people regardless of credit or situation have the RIGHT not to be harassed or threatened. Yes I know the company has the right to be paid..your right they do.. But we do not live in a perfect. If your world is perfect and you can afford to pay all your bills on time and have never been late with anything in lfe congrats to you and your perfect world. 

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#2 Consumer Comment

Here Are The Facts...

AUTHOR: Jim - ()

You've already shamed yourself by being a confirmed and verified deadbeat.  CAC is a SUBPRIME lender...in other words, a lender who will take the chance an finance somebody like you.  If you had such a stellar history of paying your bills AS YOU AGREED TO then you would have been financed by a bank.  Instead, the dealer found CAC for you and you were PLACED with them all becase of YOUR self made reputation.  As we fast forward to present day, surprise, surprise YOU are continuing in YOUR ways and have stiffed them as well.  You can wail all you want but the bottom line here is YOU failed to make payment and YOU turned on the collections efforts.  It is YOUR evasion of their calls which makes them try to continue to reach you.  OK, you've had a decrease in cash flow and now you claim you can't pay them.  Exactly what do you expect them to do...forget about you because you think you are ENTITLED to a car without paying for it?  Eventually, if they haven't already, they will do a repo, sell the car at auction and sue you for the remainder of the contract balance.  Then you can wail some more.  Want to change this?  Go out and beat on doors and get any kind of part-time job you can so you can PAY YOUR BILLS.  Somehow, I doubt that will happen. Don't waste the effort typing it...I don't work for them.

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