I also have had bad dealings with Credit Acceptance.
I obviously have bad credit thats why I had to use them but I bought a car through them because I was trying to rebuild my credit.
I got behind on my payment but contacted the company and made arrangements to catch it up, they made an agreement with me to pull an additional amount of money out of my account by direct withdrawal until my arrears were caught up.
Well before they ever made their first withdrawal from my account they came and repossessed my car. When I contacted them and tried to get my car back they told me I would need to pay the entire amount that I was in arrears. I could not afford that at the time so I refused. Soon after, I got a letter from them telling me that for a limited time I could get my car back for an amount smaller than what I owed, and all I had to do was call this number. Well I tried for days to call the number without ever getting a live person so I was left with no choice but to leave a voice mail, in the voice mail I pretty much read the letter word for word and let them know that I definately wanted my car back so would someone please call me. Surprise, surprise, I have never heard a word from them and this was back in late June and early July.
I have tried calling the company and asking for managers or names of people higher up but I never get any help, I followed almost every link on their website trying to get to someone higher, I think all I came across was some Board of some sort so I even posted a complaint there but I have heard nothing from them either. The company doesn't care.
I just feel really bad because I had every intention of making a new start for myself, I called and made arrangements like i should have and I never got the chance to make good because they just took my car. I don't understand how they could make those payment arrangements and agree to them with me then take the car anyway.
If anyone knows of anything I can do I would appreciate it, although by now they have probably sold my car and tacked an enormous amount on my credit that I still owe.