I have a car financed with Credit Acceptance Corp and I have never been late, have an excellent payment history with them. I had some medical problems and called CAC and asked if I could send one half the payment and one half two weeks later. They said "yes, your payment history is excellent". Well they started calling me and calling me, rudest people of all time, after telling me it was ok.
I would call them and it would take over an hour each time because they would put you on hold. On one day I was disconnected 2 times after being on hold for over 45 minutes then having to start all over again. The customer service reps were awful, plain nasty people. I had never been late or ever asked to delay a payment, still pay on time.
The dealer put a box in the car that starts chirping when its 3 days before the payment is due. My payments are paid one week in advance, the chirping sound still goes off every time you start the car or shut it off even though the payment has been posted. When you call, the customer rep transfers you to the people who have the box, usually after a 45 minute wait and if you don't get disconnected, then that rep comes on and says you have to be transferred back to the CAC customer rep.
This can take up to 2 hours. On one weekend, my payment has been made 2 weeks in advance and my car was disabled from starting on a Saturday morning, I could not reach a rep until Monday morning and the excuse was: "we sent out a new code but it must have not gone thru, sorry". Dealing with these 2 companies is a nightmare, I have written letters and emails complaining and you never receive a response. Never.
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