Report: #940696

Complaint Review: Credit Acceptance Corp

  • Submitted: Thu, September 13, 2012
  • Updated: Thu, September 13, 2012
  • Reported By: canditone — Pissedville Florida United States of America
  • Credit Acceptance Corp
    who knows
    United States of America

Credit Acceptance Corp A**holes Late payments and phone calls Leesburg, Internet

*Consumer Comment: Of Course...

Show customers why they should trust your business over your competitors...

Yes when I am late on a payment these people call right away.  That's cool, I understand.  However, what I can't stand is that they call 10 times a day everyday...This amount of calls in 1 day should be illegal.  Again, yes I understand I owe them and I am late but this is BULLS**T.  From a legal standpoint, they are allowed to call between 8am & 9pm everyday.  Now, this could also be considered harassment according to the FTC.

"What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm; publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies); use obscene or profane language; or repeatedly use the phone to annoy someone."

Sounds like we would have to prove they were doing it to annoy us...good luck with that one.

I have my cel set up to automatically send ALL their numbers they call me from to voice mail, then I just delete them as soon as I hear them.

I make my payment EVERY month, just gets there a few days late...I'd rather get the calls from them then send my check early and get a possible NSF fee.
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This report was posted on Ripoff Report on 09/13/2012 12:26 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Of Course...


Of course they are going to call you...they want their money, I think you understand that. Can you pay on line one or before the due date? If your payday does not jive with the due date, is it possible you can find the money to pay one month ahead and from that point on, you can have some breathing room. However, there's a much more important factor looming out there. Every time you are late, you risk having extra interest generated which you will need to pay eventually. Check the contract to see for sure. All the points you mention which are covered by the Fair Debt and Collections Act DO NOT apply to them. Only to parties collecting for an original creditor.
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