Report: #998311

Complaint Review: Credit Acceptance

  • Submitted: Thu, January 17, 2013
  • Updated: Tue, February 05, 2013
  • Reported By: Zo — Baltimore Maryland United States of America
  • Credit Acceptance

    United States of America

Credit Acceptance Wrongly repo cars and fee gouging Internet

*UPDATE Employee: Practice is Legal

*Consumer Comment: Oh Yes...Sooooo Illegal!

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Buyer beware, do you remember a time when companies like credit acceptance could do what ever they wanted to customers, have their employees talk to and deal with customers what ever kinda way they wanted to well those times are long gone. The illegal phone calls, the numerous repo's without written notice. Come on. Only a fool can think that a company like credit acceptance will continue to get away with these tactics. My payment was due on Jan 11th today is Jan. 17th and credit acceptance reported my car today.Here is what we as consumers need to do. Everyone who has an account with these crooks need to call your state AttorneyGeneral office and file a report. In your report clearly describe the practices and tactics this company uses and let the consumers protection arm of this agency decide rather or not you are being Delta with legally and in accordance with the laws of your state. Do not argue with any one over the internet who is not a legal expert and who is clearly employed by a company that is very likely violating state laws. Lets galvanize and bring this monster down. Regardless of what insultin g tone people on the internet use to engage you, they don't know you and they have no idea what the law in your state allows. These billion word contracts are the first sign of a rip off commingle our way. Some idiot on the internet will call you lazy because you didn't read it but the fact is that it was written by a team lawyers to be read by a team of lawyers. This is a classic example of predatory lending. A company who's clie nts have less than perfect credit and this company aggressively and in fact over aggressively collects on those clients. ( Like the 5 and 10 day late payment repo) Be realistic the company is making money this way. W hat needs to be investigation are there ties to the auctions that buy the repo cars and the links between credit acceptance and the dealership that use their financing. Final note, if it looks like a rip off and if it does business like a rip off and if hundreds or thousands of its clients complain that it is a rip off then it is probably a rip off. Just like credit acceptance is...
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This report was posted on Ripoff Report on 01/17/2013 05:45 AM 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 UPDATE Employee

Practice is Legal

AUTHOR: John - (United States of America)

In Most states you are not required to be notified of repossession.  If you are late on a bill you deserve to have your vehicle repossessed if you do not contact the finance company to make arrangements.  Credit Acceptance will not Repossess a vehicle if you are in contact with the collections department.  A finance company makes the most money off a customer who pays all the payments on their loan so why would they repossess if they do not need to. 
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#2 Consumer Comment

Oh Yes...Sooooo Illegal!


You screwed your previous creditors by not paying on time and here you are doing the same again with this creditor. They do a repo when a SERIAL DEADBEAT like you fails to live up to their you did. But its all their fault, right? Perhaps you should grow up and learn to handle money. Otherwise...enjoy life walking and wailing.
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