Credit Acceptance should really have tons of law suits against them.in May of I paid $1200 on my car thinking it would get me ahead because I knew that I would be out of work due to the arrival of my child. One Thursday in July of I came out of church and noticed that my car was MISSING.
Thinking that my car had been stolen because I had paid them in advance and I had full insurance coverage, I called and reported it stolen. Well the officer that had taken my call told me that my car had been repoed. This was at 7:30 pm. I had to hitchhike a ride back home and try to get in touch with the company.
When I finally called them, they were closed. So I had to miss work Friday to try to straighten the entire thing out. I called several times and was finally able to get in touch with someone Frinday evening around 6:00 PM. The recovery place that had my car closed at 5:00 PM. Now I really pissed because I had a family reunion to attend the following day and still didn't have my car.
The representative that I spoke with told me that although I had paid $1200 in may I was still entitled to pay monthly and that only 372.16 of the $1200 went toward my monthly payment and the remainder of the $1200 went toward interest in the end. He told me that I needed to pay $372.16 which is one month payment. Now I'm wondering why I haven't been getting calls of late payments and why didn't someone from the company notify my of my car being in danger of being repoed.
The following Monday (again I had to miss another day of work) I went to retrieve my car. Not only did I have to pay the $372 but I had to pay a repo fee of $375 and I was charged $50 more dollars for recovery of MY OWN VEHICLE.
I think Credit Acceptance should refund me my money because not only was I not notified of any late payments, I'm wondering if they have that my last payment was in May, why did they not ask for both June and July payments...
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