Credit Acceptance -Dirty, Scamming, Repo-Happy, Harrasing, Theives, - Internet, Michigan
Do not deal with this company!! They sell you on the fact that they are there to help you by offering you a car loan to rebuild your credit. If there's one thing about this company it's, do not be fooled by their intent. All they want is their money and they don't care how they go about getting it.I bought a vehicle from there with $2,500 down on the 17th of December. The vehicle was originally $9,995. I have the vehicle for about a week and I can hear that something in the front end is going out. I'm 8 months pregnant so I immediately take it back to the dealership because the vehicle had a warranty (which was $900 extra!!) and I am told that they cannot hear anything wrong with it. There was snow out so they said with the snow they could not see under the vehicle so drive it back when the snow clears. Week later the vehicle DEFINATELY has something wrong with it. It's clanking and doing all kinds of crazy things. I live 30 miles from the dealership and I'm over 8 months pregnant and they say I have to pay to have it towed to them. So, I drive it because I'm not paying. Turns out it has a broken front axel. It's a mirical that I made it. Aside from that there's 10% tread on the tires and the master drive belt is bad. Which I have to pay for out of pocket. The warranty covered the broken axel but, I had a $100 dedecutible aside from the replacement of the belt. Bad omens from the beginning!!Next, My payment was supposed to come do on the 20th of each month. Less than a month into having the vehicle I get a call at work on the 17th of January saying my vehicle payment is behind. What?? Turns out that I was lied to about the due date and it was due on the 17th not the 20th (when I get paid). I specifically was told that the payment was due on the 20th becuase that's what day I recieve direct deposit and I wanted the payment taken directly from my debit card on the 20th of each month. I showed the card before purchase and was told there would be no problems making monthly payments with my Master Card Debit Card. SOOOO... after a lenthly conversation with Credit Acceptance, I explain the situation and they say that's fine, blah, blah, blah. On the 20th I go to make my payment online as promised and it's declined. So, I try it again thinking I had typed in something wrong. Declined again. So, I call Credit Acceptance and they say that they cannot accept my Master Card Debit Card. I have 2 options. I can Western Union the payment or drive to Michigan to make the payment. Yeah, really. Wester Union is like 30 miles away and the weather was horrible not to mention the payment was $12 to make my payment. I'm sorry but, I'm not paying to pay a payment especially when I was told before I even signed the purchase aggrement that, my card would be fine!! So, I decide to just mail a check but, it's a few days before I can get to town. 6 days past due and (I'm now 1 week from my due date) 2 repo men show up knocking on my door.I walk out behind the vehicle to tell the men that they are trespassing on private property and that they have to leave, my husband gets in the vehicle and drives off. Unhappy with my husband leaving, one of the repo men shoves me, at 9 months pregnant!! At that point I just call the cops. The police show up an hour later (because we live in the middle of the country) and tell the reposession men that they were trespassing and that they are not allowed to step foot on our property again. The repo men then tries to lie and say my husband tried to run him over. Funny thing is my husband would have had to run me over! At that point I, informed the cop that I was shoved and he was actually really angry about that. I decided not to press charges (I should have though in retrospect!!). Next day, I called Credit Acceptance and their payment was recieved.Next month, I get a call on the 17th and have to re-explain why the payment is going to be late. It's like they make no notes on your account, every time you talk to someone there you have to re-explain the entire situation. ugh!!! Payment made through a friend's account. But, really this is ridiculous that I have to use someone else's account or pay $12 to make a payment!Next month, I have to explain being late again. 3 days later a repo man is knocking at my door. He is told to leave and I haven't paid since. I would have made good on every single payment and even tried to set it up on auto payment. But, this company is rude, and harassing. Sending reposession agents out at less than a week late after THEY REFUSED a payment and shoving a woman who is 9 months pregant. We'll see where this leads. I would never do business with another company like this one. NO scruples!! They are trying to sue me for $11,800 on a vehicle I paid $5,000 on and the original cost was less that 10k!!