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First I went with them because my credit sucks, my fault I get that. However, the way they bill has to be illegal. My $650.00 a month payment only $150.00 gets applied to the car so after 2 years of paying on the car I've only paid off $6,000!!! I am so upside down it...
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Anonymous
Anonymous

STRAIGHT FROM THE DEADBEAT HANDBOOK!First, if you took a little time to learn about personal finance, you'll see how hilarious your wailing is! ALL car loans as well as many ...

Anonymous
Anonymous

Please learn from this terrible situation for the future. Your life will be very stressful if you buy stuff that's above your means with never-ending payments - pay this off a...

I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. Best Car Buys. Hyundai 2005 Accent Approx 108000 miles $9238.03 Purchased 9/28/15 I put $1000 to lessen the blow. Kelly Blue Book puts one in good condition FMV $2688. I was...
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Anonymous
Anonymous

TYPICAL SUBPRIME WHINER!High APR? Of course! Why is that? It is because YOU gave YOURSELF a reputation of not paying YOUR bills on time. FACT: For this, blame YOU, not the...

ACA makes their money off of, a lot of times, blue collar individuals who's credit file isn't lengthy. I initially had my vehicle financed through Credit Connection who were a million times better to work with than ACA. I suppose ACA bought my contract and without my...
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Anonymous
Anonymous

"Work with"? Your statement as such is a DEAD GIVEAWAY you are constantly late which is in default of the contract YOU signed. Where do you serial deadbeats come up with thi...

1.7
I didn't like
  • Lied
  • False reporting
  • Loan shark
#1018438
Reply to reviews

Short Review for January 14, 2017, Other

American Credit Acceptance
#990992
Loans offered by organizations like this should be illegal.
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Short Review for December 15, 2016, Pc_service

American Credit Acceptance
#973833
Never in my life have I ever had to deal with so many incompetent idiots in my life. No one can get on the same page to resolve the issue.
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American Credit Acceptance Customer Care Review

American Credit Acceptance
#971294
2.9
I haven't had any issues with them, I even got behind a couple weeks and customer service called me to arrange a payment date instead of just repo the car..
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Short Review for October 28, 2016, Other

American Credit Acceptance
#945280
All I have tsay is this place is no beno. Tge most confunsing experiance.
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I have had my car for about 3 years now, At no point did they give me any trouble, I lost my job and got behind in my payment and for three months they called leaving messages but I did not answer because I did not have the money. Well they got annoyed and repossessed...
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Anonymous
Anonymous

Did you have to pay all of the late payments you owed ?

Have experienced poor customer services . Wanted to change my due date for payment since I began making payments and they still haven't done it .Its been 2 years now . When you talk to them they switch you to different people and for the most part cannot assist the...
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Anonymous
Anonymous

Lol the anonymous person works for aca who knows he might even be the owner of the company lmao every time someone says something bad about the company here comes anonymous wi...

Anonymous
Anonymous

Please tell us what a "repose" is? It was YOU who signed the contract and in that contract, YOU would have seen the due date. As such, common sense dictates if you don't by ...

Welp if you can afford not to go with American Credit Acceptance please do. As of November of 2016 the company no longer takes principle payments . My payment of 456.00 breaks down to $300 interest and $156.00 priciple . Once again they no longer will let us customers...
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1.0
I didn't like
  • Loan shark
#1006907
Reply to reviews
If anyone is interested in filing for a class action law suit please send me an email. Chastity.ross@ymail.com. Thank you. I have an APR of 21.7% and daily interest rate of 9.25%. At the time of signing for the loan no one had mentioned to me the APR or DIR. There has...
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Anonymous
Anonymous

Whether you work for them or not you're pretty much a D**K on ACAs behalf. Which makes these complaints even more valid to passing readers.

Anonymous
Anonymous

THE CLASS ACTION DEADBEAT WAIL!!!Funny, funny, funny! The interest rate is high for one reason and one reason alone...YOU destroyed YOUR credit by NOT paying other creditors ...

!What does it take to get it through your head??! December's pymt was referred paper was signed and faxed to you Dec 6th, I'm ready to take legal action against American credit!!
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Anonymous
Anonymous

Right, sure. You don't even have enough money and integrity to make your car payment on time and you're going to take legal action. Sure. Tell us another one! The FACT is ...

1.0
#985412
Reply to reviews
Customer service reps have snappy attitudes. They are not in sync- before calling a customer trying to collect a debt their notes should be already read so they can be aware of what may be going on and if that customer spoke with a rep or manager previously. If they...
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Anonymous
Anonymous

YOU AREN'T ENTITLED TO SPECIAL TREATMENT!Bottom line...their BILL COLLECTORS are calling you because YOU didn't pay. They don't want YOUR excuses...they want their money whic...

Anonymous
Anonymous

It is up to YOU to "rectify" it! YOU are the one who has defaulted on the contract by NOT paying on time! However, as we see over and over and over, as if it was a broken re...

I make my payments 3 weeks early and I haven't had any issues with phone calls or negative reporting. I went with them at the time to get the car I wanted. I have a high interest rate (18%). But it was the best I could do at the time and I figured I could refinance...
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Anonymous
Anonymous

This company is really ripping people off please someone help they're getting rich Beyond rich and in most cases the value of there car is low and they owe more it's worth mos...

Anonymous
Anonymous

I feel you i had this car 3 years and still at 13,000 this crazy. Never again. Going to refinance through my credit union