My daughter recently purchased a vehicle from Betten Chev., in Muskegon. At the time of signing papers we were told that I was the co-signer and my daughter was the purchaser. This turned out to be a down and out lie.
My daughter's car was repo'd a few days after her payment was due. She called Credit Acceptance explaining she had just had emergency surgery and her payment would be a few days late but she expected to make two payments. They refused to talk to her as her name wasn't the first name on the loan.
I then called Credit Acceptance and told them exactly the same thing and also asked why they refused to speak with my daughter. I was told that this was a 50-50 loan and she had the right to speak with CA and they should give her the information. This too turned out to be a lie!
The bottom line in this whole horror story is that they do not seem to be held accountable for any paperwork and or agreements that are made. The have the ability to change the rules in the middle of the game. The customer service representatives will answer your question with any random answer that comes to their mind. This is a fact as I called and spoke with 5 different people one day and every answer I got was different. On fact that I found out that is not on any contract is that if your payment is not received on the date that it is due, it automatically goes onto a pick-up or repo list.
Her car was picked up on a Friday morning and scheduled to go to auction the following Wednesday. We had secured financing with a bank and tried to get a pay off on the vehicle so that we could transfer the money to CA. They do not deal with traditional banks. The first warning sign that they are not legit is that they use MoneyGram and Western Union. Beware.
When we tried to make payment it was a run around. Basically, they didn't want the pay off they wanted to take the car to auction, sell it and then charge my daughter for the difference. They are in the business of making money, period.
Once we got the car paid off, found out where it was at and went to pick it up, my daughter found that they had lost her personal belongings, including medications and a new car seat. The personal brought out a junk car seat to replace the one they had "misplaced". My daughter told them they could go down the road and purchase a new as this car seat was not fit to send to the dump as it was so filthy. Eventually they did find her personal belongs, however the medication was missing. Imagine that!
These people are ruthless, rude and they don't care. As much as you may need a new vehicle, please don't do business with these people. They will chew you up and spit you out. They don't abide by the State of Michigan business rules and the State of Michigan does nothing to protect you as the consumer. A class action suit against this company as well as the BBB would the the ideal thing to do. With the current economy and the "pledge" that CA has made to help you re-establish your credit, it gives you the impression that they are your best friend... They are your worst enemy!
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