I purchased a car thru cac on july. I put 2800 dollars down and all my payments were taken on time thru auto draft on the 7th of each month. My insurance has never lapsed and my tags and taxes on the car are current. I was going to be late on my payment in oct and I called customer service to ask if my draft could be stopped and I could send them the payment in the mail. I mailed my payment on october 23 with the late fees. Nov 7 payment was withdrawn from my account on time. On dec 1 I knew that I would be late again so I called cust service and asked for that payment to not be withdrawn. Checked online banking and cac ran the draft anyway. I immediately called my bank and luckily stopped the draft in time. I called cac and asked why or how this could of happened and I told them that I put a stop payment on the draft. They immediately turned me over to the collections department and wanted to know when I was going to pay.
Since then it has been a phone nightmare. The reps call 6,7, 8,9, 10 times a day. My grace period of ten days accrued with the late fees has not even passed yet. They want to know why I can not pay, they ask me if I can borrow the money, they refuse to let me speak to a supervisor, they tell me if I give them a date that I can pay that no more phone calls will be placed from them to me, they lie, they pass wrong phone numbers if you ask them for corporates number. Then I told them that I would pay them before dec31 and they tell me that thats unacceptable. I have reported them to the ftc and also the bbb of michigan-don't know if that will help though. I also wrote a cease and desist letter via certified mail to see if that will stop them from calling. After reading some of the horror stories about them and their actions I believe it because of how they are talking to me. Fortunately I have an enclosed two car garage that my car is sitting in not being driven because I do not trust them and I have been driving my husbands vehicle. The car is not worth anything I owe 11,200 and some on it and it is probably worth 5,000 to 5'500. Its not the car I care about I know I am way upside down it is worrying about what they will try to do to my credit. I would have never financed anything thru them if I had known how they treat people. I considered buying that car a stepping stone to building up my credit and all it has done is be a constant thorn in my side
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