In June Credit Acceptance repo'd my SUV. I knew I was behind in payments, but I never received a written demand of what they wanted in the way of payment to work out the problem. Instead, I woke up one Sunday morning to find the vehicle no longer in the driveway. When I was finally contacted by someone from the Redemption Dept., I was told the car had been towed some 50 miles away and I had to make an appointment to retrieve my property. I was given a dollar amount to be sent by Western Union to redeem the vehicle, which I did. Once I sent them the money, it took them two more days to confirm receipt so I could make an appointment to go retrieve the SUV. At that point in time it was an "Oh, by the way, you owe an additional $690.00 that you will need to pay in order to be current." Needless to say, I thought the redemption cost included the back payments and was more than a little shocked, and demanded a payment history.
One week later the calls started coming, and I explained to the woman that I had entered into a payment arrangement to catch up the back amount. She "made a note" on my record, and then informed me that I was in default of the loan because they only have two phone numbers for me and only two references - I need to give them 3. I told her I don't have 3 to give.
When I brought up the payment history request, I was told they sent one. TO THE WRONG ADDRESS! These people were notified in November 08 when I moved; in July 09 they knew where to pick up the vehicle, but in September they only have my old address? It took 2 requests and one very nasty demand to finally receive the report.
The next day there was a phone call and no record of my conversation the day before, other than a repeat that I am in default under the loan for lack of phone contacts. Finally, a week later some female called me and wanted the whole sordid story about why the car was repossessed, and I told her to read the file. She then became rude and told me I had to retell it to her. I refused, saying I had the right to some dignity (apparently not). I asked for her name and she gave me a first name but refused to give her last name, saying she didn't have to.
I finally lost it the next night when someone called me, yet again, and without letting him get started, I demanded a supervisor, stating I was tired of their harassing, abusive behavior. He tried moving me to voicemail and was told I don't talk to voicemail. When a supervisor finally came on the line, he told me that they take the accusation of harassment and abuse very seriously - it doesn't happen on his watch - and I told him he needed to be out on the floor more often or have the decency to not lie to me. I told him the arrangement I had with the Redemption Department, and he told me there was no such arrangement and that I was still $277.00 behind and needed to pay it immediately - he would even take the payment on the phone. I refused. The calls stopped for two weeks, but when I began writing "per agreement w/Redemption Dept." in the memo section of my checks, they started again. I am averaging 4 calls per day with 2 voicemails on my cell phone - which they were told is my home number! They have even sent text messages! I continue to send them additional money each month and they continue to call.
The best part is when I did finally get the payment history (8 weeks later), I find that they show the loan is $5,000 more than I financed! After 2 years, I still owe what I financed with these jerks! I have written them to inquire about this and have yet to receive an answer. If there is any way of avoiding these people in the future, do so; I know I will.
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