Credit Acceptance is a total scam, on there website they say 100% Approval Guaranteed, so I contacted on of there dealers. They just bring in a recent check stub, and phone bill. I am not going to lie I do make really good money, but I had some medical issues, and with my medical pay not even being enough to pay my house payment. My credit got crashed to the bottom.
I have been back at work for around a year, and was trying to rebuild my credit, that was the reason for going to there dealer. They put me in the cheapest car on the lot, on Saturday with a LARGE down payment. Well on Monday the dealer called and said Credit Acceptance did not believe my income. They wanted tax returns, so I sent them. The next day they contacted my employer and asked them for a letter stating how long I have been with the company, job title, and salary. They sent them a letter , with the CEO signing the letter.
About two hours after, the letter was sent that was not going to work. They wanted my employer to send a full report of my salary , and it had to how that it was printed on the companies payroll system. Ok I had to call several people at the corp, office to get this. They all said we have never had to do this before, and I could not find anyone in payroll that could print it showing that it was from the companies system. Well after calling around corporate for about 2 hours I finally got payroll's manager, finally someone that could get what I needed . They faxed it right to me, and I sent it in. I was thinking after all of that everything should be fine.
Well guess what the next day I got another call wanting my bank statements for the last year. Ok I had that at home , so I ran home and got the file and took it back to work, and faxed it all in. They showed deposits for each month around $4000.00 sometime more. So that was not good enough. They still was treating me like scum, making like comments like you cant bring home that much. I replied as nicely as I could that they better watch what they say , and I don't know what kind of person you think you are dealing with but I will not deal with that kind of S*** .The lady on the phone hung up on me, then I got another phone call , CA wanted copies from my employer of my last six pay checks that I had cashed.
At that point I was thinking everything I have been though and now they want me to do more. At that point I could not deal with it anymore. I said I am not dealing with payroll to kill another day to get this, if you cant approve me on what I have already sent than just for get it. I did advise them that they where committing false advertising that has been over a week ago I still have the car, but the loan has not been approved. I called the dealer and said Ill bring the car back just give me my down payment back. We they said just wait and we will get it worked out.
I still have the car but I called CA just today and they had another list of things for me to send. They I was told the loan was still not approved or funded. What do I do, I mean the dealer has my money and don't want me to bring the car back. But they bank has not paid them. I just cant understand all of this.