Credit Acceptance Charging 400 interest fee when my payment is days late plus a late fee. I have had the car for a year paying 419.00 a month the car is 15,000, I called today to find out how much I owe on the car Credit Acceptance told me that I still owe 15,000 due to me paying late. They told me that I really only paid .35 cents when I made all my payments because they charge 400.00 dollars for interest every time my payment is late. I asked for a copy of this that is my contract they said that they couldn't give me one. I feel like I got scammed out of thousands of dollars. I don't know what to do. southfield Michigan