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I can’t login to my account online to make a payment.
There’s no Tech Support for login problems associated with making an online payment. They charge you close to $7 to make a payment online, over the phone, etc. Their call center is contracted in the Caribbean.
I have called twice now since taking out an automotive loan with this company. I have to say that both of my experiences with customer service reps have been at best no help at all. Just obsticals to make your payments. When you call to …
The ABSOLUTE WORST financial experience I have EVER had in my life. I am telling you, you will be better off walking or taking public transportation than to deal with a company such as this to finance your vehicle. I too will be contacting …
If I could give this place -500 stars I absolutely would. This is hands down THE WORST experience I have had with anything “adulting” related yet. The employees are not knowledgeable, every time you call about something each one says …
I don’t recommend this company ALOT of hidden fees. They don’t tell you that they Charge you everyday interest and even if you pay your car note months and months ahead of time and you’re not due to pay again until month’s later on and you …
Update 7/31/21 I sent an email to ACA explaining my financial situation and they approved the deferred payment. Thank you whoever was listening. I am going to give 3 stars because of the customer service experience. In my review below I …
I have one star because 0 isn’t an option. If you have any other options at all TAKE IT. I don’t understand how this company is in business. It’s an absolute joke. 🙂 …
Called multiple times spoke with multiple people about receiving something as simple as a 10 day pay off letter. I was told a few different answers about how long it would take to receive this email. One person said it would be 30 minutes …
I honestly wish I read the reviews on this company before financing through them! I attempted to call and request a deferment due to my fiancé being laid off and myself being home with our newborn and 2 year old and I was told I couldn’t …
Absolutely terrible. Do not do business with them, I wish I hadn’t. I got behind with CoVid and have repeatedly tried to make arrangements to catch up. They refused to help me in any way at all. No deferments, no payment arrangements, no …
Boy if I could turn back time and save myself I would. I hope these horrible people never see the gates of heaven by the way they treat others. What goes around comes around.
To be honest, I’m probably the most negligent person with paying my car note in time, but they are always so polite when I speak with them on the phone, also, they gave me a chance when I had no other offers for a loan. I have never asked …
Just save your time and money, find another company to do your business with. I’d walk before I finance anything through ACA!!! Carmax should be ashamed for suggesting this company. Due to the pandemic I lowered my insurance to liability …
This company basically robbed me of so much money. I ended paying $17,000 for a car that was worth $2,000. After, years like 5 years of paying $363/month it still was repossessed. The interest rate is illegal and I was mislead. The loan was …
I paid off my loan weeks ago and still have not received a lien release. i have contacted them 10 times and no such thing was received. they are terrible at getting your documents to you. very unsatisfied with their service.
NO STARS DESERVED!!!
Refinancing as we speak. The customer service is garbage. I called to push my payment back 3 days, that I have never been late on in the 7 months I’ve had the …
worst people i have dealt with ever. i would not recommend to my worst enemies. Every time we talk to them we get a run around about how many payments are owed and when our pay off date is. we are trying to refinance our car for obvious …
This car financing company is the worst ever. I have never seen so many incompetent people in my entire life. They don’t work with you their customer service agents are not professional, treat you horribly, if you’re behind and they harass …
I became seriously I’ll while attempting to deal with these people. I explained my circumstances and was told as long as my payment was made before the end of the month, it would not charge off. I made the huge payment they required, called …
I would not recommend this company to anyone. My loan interest is 18.69% – INSANE. I have read that the average APR is 24% with this company. Most banks refinance you at 3-8%. I took the loan because I thought I was desperate enough. Turns …
I just want to know what loan company asks for payment via Money Gram? Money Gram themselves say not to send payments like that because it’s a possible scam and you can’t get your money back if something goes wrong. …
Got a car during the pandemic lost the pink slip from dealership – been over a year I’ve been fighting for a duplicate or copy of a title to get out of my temp tags – no one is helpful!!! They keep saying they will send and email and never …
This company still owe me a check from a year ago and can never tell me why it’s taking so long to send me my money. They are very unprofessional.They should not be in business.
When you call automated system it says they take credit and debit master card but they do not. I asked agent to file a complaint and they hung up on me.
The worst company ever! They sold my car months ago ! And it still says the old balance and not the new balance on my credit … DON’T GO with this company it’s the worst !
Almost a year trying to get my car title! Every single time I call, I “owe” something. I paid that “something” 2 times already, different amounts and no confirmation number, no letter, no confirmation email, nothing. They said I will …
I had bad credit but they gave me a chance and I got a car I love so I’m grateful for that. I’ve had to speak with customer service multiple times after losing my job and they have been able to work with me while always being pleasant and easy to speak with.
Like someone else stated, if you have to use ACA for financing there is a reason. I never had an issue with them. This is not one of the financial companies where you can keep deferring your payments so keep that in mind. I was able to pay …
Don’t not I repeat do not sign anything for this company. Covid hit and I lost my job and had no help! No extension or anything! Bad for business! Majority of your payments are paid to interest not you actual vehicle!! Just horrible! Would never do it again!!!
DONT USE THEM. YOU WILL NEVER OWN YOUR CAR!!! Been trying for a year to get my car title. Every time I call, I “Owe” $ x amount. I asked for an statement, they keep promise to send but never received anything on mail or email. And if you …
We paid off our car on October 28th 2021 through bill pay at our bank. As of October 30th 2021 our phone number and account information is not recognized when calling American Credit Acceptance. Also one of the credit bureaus has advised …
If you have to go through this company there’s a reason. I had my auto loan through them before. Paid it off! Never had any trouble they always worked with me through it all. Now I’m in the position where credit is in a much better position. My advice pay, and pay on time every time!
Have not had a good experience, first I couldn’t understand the first agent, between her accent and the static on her line I did not know what she was saying and she had the nerves to have attitude with me fore asking could I speak with …
**WARNING! DO NOT DO BUSINESS WITH THIS COMPANY! Many people struggle with bad credit and may be desperate to get that newer-looking used car…DO NOT if American Credit Acceptance is the Lender! The interest rate is so high that you end up …
I’ve had my car for 3 years now!!!! I was just told I’ve only made 2 payments on
The account remind you my note is $566. I called to make my payment and my …
The last person to post is correct! I’m still awaiting my payoff amount letter in which I plan to use per my lawyer to verify payoff amount and send a certified check. The reps I’ve spoken to have lied about the letter and I can’t open the …
If you are a military service member, never go through this company. They do not care and will tell you that they do not care. Every time I call, someone has an attitude. They say they put notes on your account and that is a lie. They do …
These people that they call customer service reps are so terrible. They’re horrible people with no respect. They need to quit this terrible job they have and get an education. This company is horrible and I would not recommend using them …
Just paid off my vehicle. From beginning to end I have not one negative thing to say about this company. Yes your interest rate may be higher than a traditional bank, but that comes with the not so good credit choices we may have made. The …
0 star, don’t finance your car with this thieves, my bank sent them a check on march 21st the check was received and cashed out and they still saying that the haven’t received the check. My bank have proof of the they received, they also …
Yes, they’ll take you if you have low credit, but it may hurt you in the long run. My $12,560 loan will cost me $32,000 ($20,000 in interest and almost 3 times the amount) even if I make every payment on time for the next 6 years. …
Wow, I wish had read these comments before even stepping into a loan with this place. Ive been good with payments as well. I hit a wall of hardship 3 children, covid, one income and I call to make arrangements and they put a repo on my car. …
Took 4 months to get my copy of my title sent to the DMV to plate my car when I moved to a new state. Had to fax the paperwork several times. Customer payment portal is the opposite of convenient. So happy I was able to refinance with …
Got behind in payments for two months car got repoed can’t get in touch with anyone to set up payment to get my car back very upset !!! Being that I have to pay extra fees everyday it sits you think someone would
Answer my call I’ve been calling since 8 am this morning
One of these worst companies to deal with also repo company tore up my yard for the car that was in the driveway now they telling me I can’t get my stuff out the car after telling me I can when it’s my property I’m going to report to Better business bureau and attorney general if you finance a car don’t use them
Wow ok now seeing a lot of reviews most of them are bad even on bbb.org ok my advice to the people that have paid their car loan off this is a bad credit lender so what you do when you get a bad car loan or any bad loan you take it if …
So I financed a car through these guys and not even a few months in it broke down. I’ve been paying for 2 years on this POS and have paid over the value of the car 7,000 car is worth 3,000. Been trying to get a hold of their settlements …
Terrible service. They were charging me interest on a car that was deemed a total loss, and I told them my GAP insurance was going to take care of all of it but it would take a while. My car was totalled in November and I’m just now getting …
If i could give no stars…it would be no stars. We got behind on 1 payment by 28 days. They sent us a letter stating we had til July 9 to pay it before repossession….we tried to pay on July 7 online and it states that they are no longer …
ACA has been by far one of the best companies I’ve had to deal with for financing. They are always willing to help. Last week, my car was repoed and I’d been dealing with personal issues. The agent worked with me to reduce my payment and …
If i could rate it a ZERO I would. I’ve had my car for 3 years always paid ahead for the past year it’s been going to all interest. Covid was really hard for me lost my job tried talking to them seeing if they would work with me no matter …
Horrible company, very sleazy, garbage customer support, horrible APR, horrible rates, horrible everything… DO NOT KEEP THEM IN BUSINESS, STAY AWAY FROM THIS COMPANY !!!
I didn’t have good credit when I got my car loan & unfortunately it still isn’t great. I ended up having an upside-down loan. I have never had any issues with them. I realize the interest rate is high & the car payment is high, but I …
I had bad credit when applying with this company and I thought I was in for something good. But they really need to be closed down. No assistance with anything. COVID hit and they won’t allow you to make arrangements. Not to mention you …
0 STARS! HORRIBLE!! AVOID AT ALL COST!!! I REFINANCED MY CAR LOAN ELSEWHERE AND THEY LOST THE CHECK I OVERNIGHTED! EVEN AFTER I PROVIDED THE TRACKING NUMBER, CHECK NUMBER, WHERE IT WAS DELIVERED AND THE PERSON WHO SIGNED THE CHECK. SAVE YOURSELF THE HEADACHE! THEY SCAM PPL, STEAL YOUR MONEY AND PLAY GAMES!
The absolute worth car company to handle
Business with, they never answer! I requested transaction history and they never sent it, I called to request again and they said they couldn’t see where we had been making payments! I highly suggest looking into another car loan company this place is a joke
Let me explain why I gave this company 4 Stars, and for anybody who got approved for this loan, or is thinking about it. Let me explain my situation, and read this. I read all the horror stories and MANY reviews for American Credit …
This place is the worse lender they tell you they will work with you but they don’t. You miss two payments they coming for it high expectations out of you for a low grade company smh..
They made me get gap insurance and an extended warranty on my car before they financed my car. Then on top of that, the company they used to repo my car damaged my car by damaging something underneath where the engine is and made it fall to …
It’s got to the point that I just want to turn my car in, they never try to work with you no matter the situation but always want to threaten you with repossession, they are just beyond money hungry and if you don’t have the funds or are struggling at the moment they could care less.
The worst lender ever I suggest riding public transportation if you can until your credit is approved by a reliable lender they literally repo my car then had no way to get in touch with the company to pay recording says service is down n …
I’ve had a heart attack a month ago so I just got employed literally they are saying they can’t work with me even though I have the money the next week so they are talking about repossession
One of the rudest customer service representatives I have ever dealt with. No matter when I call or whom I speak with, every representative is rude and very snappy with me. I dread calling this company for any reason. Not sure who is in …
I just want to say that this is my first time buying a car and aca has really made it as least stressful and intimidating as possible. The responsibility of paying and taking care of a car note alone is very intimidating to say the least. My interest is super high, but they took a chance on me when no one else would.
Yes, interest is high. Pay on time and their shouldn’t be any issues. I haven’t had any. I’ve also tried making 2-3 payments a month to help keep interst down. The interest is charged daily. Once I figured that out, it helps you decide when amd how to make payments
I promise you any review over one star is fake. Do whatever you can to avoid this company at all cost. They don’t care about you. They don’t care about your situation. They don’t want you to have a car. They want your money, all of it. …
This is the worst company to deal with. Anyone looking to finance a vehicle please save yourself the trouble and go elsewhere! Vehicle has been paid off for months now. Have been waiting for the title for months, each time I call a new excuse.
Honestly wish that I had read the reviews on these people!! The absolute WORST company EVER!! THey give you a loan alright. One that you can NEVER PAY OFF!! MY $8500 dollar car cost more than 25,000 with interest. MOST OF THEIR LOANS HAVE AN INSANE INTEREST RATE AND ACCRUE INTEREST DIALY!! EVEN IF YOU TOTAL YOUR CAR!!!
I have never missed a payment. I was married at the time I took out a loan with them. Divorced several months back and tried to get into online account to change my address since I had moved. Couldn’t get into account. Called them and was …
Horrible customer service. I’m having financial hardship right now, waiting on my check to clear and they put a repossession note on my account. Remind you I’ve been paying $300 extra every month since I got my truck. So now due to hardship …
This company has me stressed completely out.. they took money with my authorization, put me negative and seems they have no urgency. I can’t pay for basic necessities like gas, groceries, etc. I literally drove to work on E yesterday , and …
Went from eecu to this horrible company. I will say that I wasn’t in the best financial position and needed a car desperately. So I will give them their thanks for accepting me when no one else would. My $9000 car is almost $ 17,000 which I …
Definitely not a good experience with ACA, and reading through everyone else’s responses it’s crazy a company is still operating with such a horrible reputation, however like a lot of other people you never really know until it’s to late, …
If I could give 0 stars I would. I had a vehicle financed with them for 3 year and was never late on my payment. On January 26th 2022 I had a car run a red light and totaled my vehicle. My insurance paid out for the crash and sent them a …
I have my car loan through them. I have never been late on a payment in 2 years. They took my payment out twice on the 17th of December. I called them crying because their error made my account negative right before Christmas! I have …
Worst company ever!!! Paid my car on time every time for a year straight. With additional payments made throughout this time. Come around to the holidays and I catch Covid so had to miss work. I call them to explain my situation and see …
This is by fair the worst place to get credit for a car loan… had a death in the family and they couldn’t even work with you … the worst people ever nasty people working also they charge you a extra 6.00 for making online payments or on the phone as well .. they s*** bad
The worst company ever! I paid my car loan off in December 2021. I went to go purchase a new car this week only to find out that on my credit report ACA is reporting that I have an outstanding balance. I contacted ACA and the representative …
I have had my car for a year with on time payments. The one time I need help they can’t help me keep my account in good status with one deferred payment. No help at all.
Wish I could give 0 stars. I usually don’t take much time typing up a review but I will for this. Stay far away from this company. You may feel like its your only option because your credit may be challenged at the moment however please …
This loan company is the worse!! Not only did they charge my account for 2 payments (it was suppose to only be for one) but when I called to get a refund the customer service associate lied and told me processed it when whole time he …
I have an account with these people, and I have nothing good to say about them, if u can go to a bank to finance you a car. My account got switched over from another finance company! If u go through a dealership and they say American Credit Acceptance is the loaner your best bet is to decline the offer! They cheat people
Worst loan company in my opinion, do not go through them just save yourself the trouble. I’ve had financial hardship and gotten sick then right back to back got injured at work and unable to work. They are not understanding at all, no …
Don’t get these people they will not help you in any way or form. They do not care for you at all or your will. Werther your sick or dying they don’t care what so ever. This company has to be the worst of the worst. The crazy part is my …
I reached out to American Credit Acceptance on 3/31/2022 to discuss settlement options regarding the vehicle loan I have with my ex-husband for a 2015 Nissan Armada. I was advised that if I went to a dealership to have the vehicle appraised …
If I could give them negative stars, I would. If you can go anywhere else, GO. I’ve reported them to BBB and also reported Carmax for using them as a vendor. Also know others who have reported them. They repossess vehicles and can’t even …
Updated contact information multiple times, was told it was updated. Then, surprise surprise after months of trying to get a hold of them to return the car and getting no responses, they repo the car. When we try to find out where to get …
If i could give customer service a 0 I would. I paid my car online like i normally do monthly. First off let me say I called to update my phone number, email address,etc. I paid the 23rd of this month. I got the email that it had been …
Trying to login to access your account online NEVER works. Even after you speak with someone in tech support. No matter who I speak with agents especially are clueless and don’t know what to do. Sad part about it this has been going on for …
Financed my Lexus thru them and the rate was better then most and a better interest rate then other banks. They have been fair and communicated well. payments on time and even if I forgot to make a payment and was a day or two late they still reported on time. I would definitely do business with them on another car in the future.
Worst Company ever wasn’t notified of any repossession even spoke to them day before they decided to repossess my car. Woke 8Am Wednesday February 2022 and saw my car was taken. That right there tells me they aren’t interested in doing …
The ONLY good thing about this company is they will finance almost everyone. However, they have terrible customer service and they clearly do not care about you. They won’t work with you if you need to skip a payment. They tack on …
If I could rate this company zero stars, they definitely deserve it. 99% of their employees in both the customer service and reinstatement department are extremely rude and disrespectful. They do NOT care about their customers as they false …
It’s my first time getting an automobile and I was so desperate to get someone who would approve me. I gave them a try and worst experience ever. My first payment and I’m already having complications. Paid 3 days before my due date, but It …
If I could give this thing less than zero stars like a negative 5 that would be appropriate! Number one they will not let you refinance your vehicle with them they don’t do that even if your credit score rises. Number two they will never …
I got the financing but I’m being grossly taken advantage of with 29% interest.this company should only be considered as a very last resort .29 % interest should be illegal!!
THIS is the worst financing company that can exist in the United States, please try not to accept any contract from them so that you do not go through the worst of your experiences. THIS company is not only going to raise your interest, …
THIS IS THE ABSOLUTE WORSE COMPANY I HAVE EVER IN MY LIFE DEALT WITH!!!!! If I could give them a NEGATIVE ZERO I would!! They have zero knowledge of what’s going on, the calls are suppose to be recorded and monitored but that doesn’t help …
If I could give a 0 I would. i paid the amount that was asked to get my truck back. I missed one payment and when I made payments to catch up it wasn’t put toward October payment but it was put toward the current month that we are in, …
I can’t say anything bad about ACA because my credit score was low at the time and they was the only company that would except me but I wish I would’ve work on my credit score before I got a loan from them stop being thirsty and wait or …
I got sick with the Rona they said they would help me repoed my car after being in the hospital for 58 days I had to pay car up front to get it back not to mention they charging an atrocious amount of money for a toyota
I applied for auto loan through these people they did a credit check and said that it would not affect me then turn around they put on my credit report that they gave me $19,000 to get a vehicle when they never did and now it’s messed my …
I’ve called multiple times to have our lein release be sent to us…1st we were told 24hrs, then 48hrs, then we should get it in a few hours and still nothing.
You have a 1 star because you don’t work with your customers if they go behind on payments. Your payment schedule is beyond what most people can afford. Interest rates are too high as well.
This is the worst bank ever to be with for a car me and my wife just moved and then we get repoed and we just started working to they dont give anybody time to get money exspecilly during this hard time everyone is in they are all lazy people collecting are hard earned money they dont work they just sit on a computer all day
I would not even give them one star but had to to write a review. If you plan to do business with this company, DON’T because it’s a horrible business. Customer service is rude and called me a liar 🤥. Do not do any business with this company. …
I finance a car with them and they told me they don’t refinance I’m struggling and they are no help I brought car 30,000 miles it’s 80,000 now it’s acting up warrenty on it it cost more to fix it than buy it and I can’t give it back cause it will mess .y credit up
This is the worst place to get credit. If I could rate them 0, I would. I wish I had looked at the reviews before I took the loan!! Be careful people! Do do it. You would rather be without if you had to sign with this company!
absolutely the worst company to deal with got into a car accident in my other car was in hospital company never sent anything in mail of intent to repo …just came in took the car….its all good you lost out on interest in contract with 2016 ford fusion lol……negative 5 stars
This place is shady at best. Husband has them for a year and we use same account every month,
They refuse to take payment out and say it’s insufficient funds to make 25$ on you! Nobody is here to help!
I’m up to date on my car payment and the repo my car they keep moving it and don’t know where it is now I have to find it and pay whatever they want when I call they give me different answers
Never had an issue with this company I’ve been a customer since April/May 2021. If I’m ever late on a payment they are understanding and will work with you.
This company needs to be shut down with thier preditory loan practices not only them I believe CarMax to be in bed with them on scamming people who have bad credit telling them online one thing as I was told that the deal was done I needed …
this company is beyond horrible i literally been with them for 2yrs i paid my car note and the customer service lady put my note on another person account and they towed my car . so then my new month car payment was due and in order for me …
My problem is with the website. It is a complete nightmare. If you change your debit card good luck getting the website to add it so you can actually use it to make your payment. PLEASE American Credit spend the extra money and hire good professionals to do your website so it will actually work.
They are ridiculous !They send text constantly and when you call you constantly get a foreigner that you can barely understand and instead of trying to help you they hangup on you.The charge of 6.95 is ridiculous when paying over the phone …
Thank you for proving credit to me when no-one else did, I had a couple of hiccups with the website but it works fine now. They have been great and patient with me and has helped me a lot. So thank you American acceptance.
You’re better off walking. I had a car for TWO DAYS. Yes, TWO DAYS. I took it back to Car Max. But no, ACA sends me repossession letters and hits my credit for a car I had TWO DAYS. It just shows me I made the right decision not dealing with them.
I would rather ride in an Uber driven by John Wayne Gacy than to ever deal with this company again. If you find yourself in a desperate need of a car loan please reconsider. American Credit Acceptance is nothing but a predatory loan company.
I was put on hold for 2 hours trying to get a hold of customer service and when they did answer I didn’t understand a word they were saying. Larry H Miller made it sound like they were a good bank to financed my car loan but they haven’t …
American Acceptance is the WORST company I have experience I will NEVER in my life go there AGAIN. This company make you want to get your credit right. They took payments out twice without my knowledge . Im in the process of suing them now. The WORST.
I swear since I got the car with them it has been problem after problem. We literally got the car the month before covid and then in this recession they refused to work with me. Horrible. Change immediately if you can bc these people are a headache
Didn’t think I would be able to get a vehicle, 3 years later my credit is at a 680 (from a 430) …. the low reviews are from people who don’t understand how bills work. I’ve never had a problem with the company and I’m grateful for the chance they gave me.
My experience with customer service was extremely poor. The customer service reps give conflicting information. I called several times about an ongoing incident and received different info depending on which rep I got. Many of your reps are …
I really hate this finance company, I try making payments and they cut your car off but want you to pay them, how do they expect you to get to work? I’m a full time student and I work part time, I honestly wish I would have chose another …
I would have given them zero stars but they won’t allow me to the worst company I’ve ever financed a car through do not do it ridiculous interest rates I should have never took the loan but I had four days to find a car after somebody else …
If I could give no stars, I would. This is THE WORST financial institution to finance / bank with. They do not answer their phones. When you finally get someone through on their chat line, they say make the payment and call us. …
The worst!! I will never use them again interest rate is extremely high and they make it almost impossible to pay anything off. My loan jumped up 8000 dollars in less than a year making it impossible for me to refinance. They do not care …
If I could give this company a 0 I would. They reposed my car and I gave them half of the money so that my car wouldn’t be sold but somehow my car was at an auction getting ready to be sold and I came and got my car. When I got my car it …
I bought a car in 2019 using them, I was just establishing my credit, I recently got my bank to give me a very good loan for the car. I need certain documents from ACA, so my bank has proof of the loan from them. I have waited over a week, …
If it was zero star option, I would put that. The customer service is extremely rude, no one can explain to me why I have “2” accounts with them, why they marked late payments more than 6 months after the loan was completed, and I’ve been …
I wish there was a 0 star button. Do not finance anything through this company! It makes me laugh that the company has posted to contact them on every bad review! Why? Obviously we all have contacted you and you didn’t help us at all. Why …
This is the absolute worst experience I have ever had with a purchase. I bought a car from CarMax and my loan was done through American Credit Acceptance. I went to the website and set up the auto-pay option before my first payment was even …
Tried to make a payment 3 weeks early. Their system was down, but somehow still processed 2 payments through my account, leaving me with 7 dollars in my acct. on payday. Now of course the system is too broken to simply stop the extra …
Now this only based on a few months of working with them…. ill start with the good. I fell behind on payments and they are working with me and were actually pretty easy to get in contact with over the online chat. They seemed pretty …
This company, I can’t speak highly enough of! My first car, a 2019 Sentra is pictured! My dad who has a poor credit score helped me co-sign, and me with no credit, got approved only by this company. If it wasn’t for this company, I’d still …
Absolute joke of a business. They are not committed to work with you like they say. The customer service is clearly a call center going by scripts and failed to answer any of my questions. The website never allows me to login and my auto …
This is the worse company to finance through. Out of three I was approved for all same apr they went with this one and by God as my witness this company should not be standing. Made payments on line they said it was returned for …
After knowing I had hardship they still repo my car with all my stuff in it while I was paying to get it up to date. Even lost hours at work because of it. All my laundry, money, etc. in the car. As in my work clothes and underwear in …
This is the ABSOLUTE worst finance company out there! they offered no help or options during the pandemic! When you could get through to an agent not a single one of them could give you the same answer even if you were asking the same …
Do not get an auto loan through this company. I got in to a bad loan with them and they are making it extremely difficult to pay off. They also will add fees on as soon as they can. Everytime I call and ask for assistance they tell me …
THE WORST!!!! I Regret financing my car with them. They take advantage of people who do not have the greatest credit. Outrageous Interest rate! One of the worst Company ever. No consideration for people who has lost a job. They are quick to hit your credit. Biggest regret.
Paid my last payment on my car loan 12/10/2021. They congratulate me and sent me a letter in the mail saying I should receive my title in 4-6weeks. It’s almost May & still not received it. Called this afternoon to see what the hold up was. …
They are absolutely horrible. They give no assistance with financial troubles. High interest rates, and to top it all off they don’t even check into your insurance that you have on you vehicle to not only protect you. They allow you to …
If i could rate 0 stars i definitely would. The customer service sucks! They hung up on me in the middle of my sentence. Then different employees said different stories about my “account”. When i say i am completely over this company i …
I got a car loan through this company when no one else would give me one. Paying it though was a different story. I’ve rarely been able to log in to their website. When I finally was able to and set up auto payments so I wouldn’t have to …
If i could give them no stars i would !! American Credit Acceptance is a joke ! Every representative you speak with it’s something different or they are providing you inaccurate information it’s sad honestly ! Even down to the supervisors …
I’m done with these people they don’t help you at all with anything I was behind a payment and then I get we will repo your car I thought you supposed to be multiple payments behind like other dealerships but no they stay calling always …
No one else will approve me for a car but them , They don’t care what is your situation they will try to take your car I don’t matter with them people, if you go into problems they don’t want to hear it but all they want to hear is when …
We didn’t get a loan from them bought our vehicle from musa auto and gave half down and received letters in the mail WITH THE SAME BALANCE OVER AND OVER. Went to log in and it is triple what is in the letters. Called and was on hold for …
Worst finance company to ever do business with.. Don’t waste your time even if you have s***** credit.. They will charge your card for payment without consent even if you don’t have automatic payment set up
I tryied to get them to pick up my motorcycle because of the way they make u pay all the intress first b4 anything much comes off the principle after 5 months they didn’t pick it up so I called an said what if I catch all the payments up an …
This place is a scam, unfortunately they bought my contract through the dealership I was using (not sure how this is legal) but ever since this has been the worst experience and i just want it to be over. …
I really hate this company. I asked for a deferment for my car note and was told I could not get one. I have been paying my car note a month in advance. The one time I get behind not even a entire month I can’t get any help. Customer Service is the worst.
A Member Of The Escalations Department Of ACA Management Renee V Was The Most Helpful Out Of Everyone I Have Dealt With. She Dealt With My Anger And Still Figured Out A Solution For My Situation. She Has Shown Me That There Are Still GREAT People In This World. I Am TRUELY Greatful.❤️
This company is the worst , for the pandemic this company was the only company that didn’t reach out for help (like most of the companies I know )you have to be approved for help. I was outta work for 3 months I’ve been with them for 3years …
I was fortunate that ACA gave me a loan for a much needed vehicle. Well I’ve been making the Payments but all my payments are going to the interest rate and not the loan. I will be paying on this for the rest of my life. This is a lesson learned and hopefully I will be able to refinance so I can get this from up under me
I just got approved by this company but few week later having the car, they just told me they need the car back. How do you approve someone later after a week and tell them the loan fell off? It was a nightmare. And checking on youtube i found out they been doing this to all the people.
Stay clear of the crooks, they wanted $8k down as a down payment on a used car through Enterprise, I went else where, and put $2k down on a used car. I found a better loan company vs these crooks.
I really love this company! They have been by my side through thick and thin since March of 2021. Very understanding staff. They will work with you. Thank you so much for your help. S.Forbes
This place blows massive egg plant. The workers sounded winded after every sentence from the lack of exercise. An extremely obese company. After my experience here I plan on burning a tire everyday to end to fast forward global warming. …
Not happy with the way this company does business they refused to give me a copy of my loan docs and would not communicate any details about my account with me. They are hard to deal with. I was unhappy with the services provided.
I have called over a thousand times for the title of the car I have paid off. Only for them to keep emailing me a copy. I need the original one since I’ve moved to a new state and can’t get registration without the title. This company is a scam!!!!
🗑 company. Employees don’t have basic/simple match concepts and will read off your dashboard as if they are showing you anything different. They don’t report on time and send you threatening emails WHEN you pay ON time. On top of borderline illegal interest rates, do not use any lending services from them. …
I legit HATE this company . All the reviews are correct so please anyone looking through these before dealing with them TAKE WARNING !!! YOU HAVE BEEN WARNED! …
Horrible experience was waiting in my title for my truck they said it was sent thru ups with “no tracking number” are you kidding me? and as of now I haven’t received my title they will not solve my issue and said for me to go to dmv …
They have owed me back pay on my car for months and can’t even get a hold of any body horrible company by far do not recommend. They don’t even deserve a one star rating they will scam you. I have tried for months now to contact them still nothing.
I loved having American Credit Acceptance. I am sorry that I refinanced with another company. ACA was easy to navigate and customer support was a 10! I would recommend them to everyone. Thank you for being an awesome!
I would give it 0 stars. I have had the most difficult time trying to “settle” my debt so it’ll be wiped from my credit. Every time i call and talk to someone they act dumb. this is ridiculous and i’m very disappointed and will never …
I spoke to rep and she stated everytime there is a late fee on the acct I would have to call in and make a payment and tell you all that I want the late payment amount to go towards that. That when paying online the system will not apply …
While out of town at my Chemo treatment, they called in our car to be repo , then when I called them lady on the phone said nothing! They were not understanding caring or anything and to do it the day before Christmas Eve. We are stranded …
Save yourself, and your sanity and DO NOT go with financing with this company. They refuse to work with you and can’t even update an address that was provided for 3 years straight. They don’t know how to give the right letter for a car to …
1. Went to carmax
2. Was financed through ACA with a sky high interest rate
3. Two years later the car was repoed 1 hour after I made the payment (no lie) …
The WORST SCAMMING COMPANY I’ve ever ran across. If I could give them a negative zero I would . I don’t understand how they are still open! They take your money and repo your car out of nowhere, with no warning, no letter or NOTHING. It …
There’s no justification for this company they give you literally barely anytime to get the money together before it goes into auction less than 7 days after repo worst company for finance don’t try sending me a number to contact or get me …
This company will report your car when you are current in payments. Will harrass you saying you owe when you are current on payments. And does not update their website where you can view your past payments….all while insisting you owe …
❌❌❌ DON’T USE THIS COMPANY❌❌❌ They thrive off of consumers pockets! Your payments WILL go towards THE INTEREST FIRST and then principle. So whatever amount of interest on your vehicle purchase your first 2 YEARS will go towards it then …
I had a account with them and when I paid off the loan about week or two after I got a notice that my credit took a hit. When I looked it up it was a negative hit from them saying I was 30 days late. When I paid my loan off. Yeah they help …
I just recently paid my car off from them.
Never had any problems. Paid my payments on time .. I only paid 315 a month ..Took me 3 years to pay it . Only had 1 issue and it was solved quickly .. 🤷♀️ …
Just don’t bother with them at all unless you like predatory loan schemes & exorbitant fees. Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently process automatic payment …
Zero at best, agents are no help and can not figure out the simple process. I wonder how they make it out bed, the company is nothing but a crook! The interest is crazy they say one thing and do totally different and no one has ever been …
Avoid doing business with them at all costs. It’s been four months since I paid my car off and I am still waiting for the title. Customer service is a joke no one knows what they’re doing. High interest rates flat out thieves. If I could give them -10 stars I would. This company is trash.
Never do business with this company again. They report my account to credit burau as delinquent. I never late payments and account paid in full two years ago just got notification from Experian and TransUnion regarding Delinquent. I called …
I’ve had my car over a year pay all my payments on time actually my payments are usually a couple months ahead. I called to pay off my car I offered 5500 loan is still at 8000 ive already paid around 4500 it’s a 2015 Mitsubishi Maroge it’s definitely not worth it. 🙁
The biggest group of idiots work the call center. No one knows what correct info to give out. Never responds to emails, every time I called to find out how to get a deceased co owner off title. Got wrong info 4 times. AVOID AT ALL COSTS. …
This company gave me the chance to get into a newer vehical when no one else would since I have had my truck and making payments have not had any issues. When I had a hard time and got a little behind they have offered to put the one …
I hate ACA! When it comes to making a payment that’s not on time, they hassle you and ask intrusive questions about why you can’t make it. As if someone wants to tell them the many ways they are struggling and as if it’s going to help! I …
Glorified scam company running as a business. The only thing they are worried about is getting that next payment, and their customer service is all non-English speakers who do not understand what you are saying so they can’t actually help …
Their communication is horrible, they told me a bunch of different things to get my car back. First it was just pay online with my debit card or if I paid with ACH they would just need to see proof that I have a positive balance and the …
This company is extremely unprofessional and they do not support their customers. I asked to speak with a supervisor and a representative named Trina L. acted as if she was a supervisor until the end off the call. She is nothing more than a …
Customer service is very rude. I was ill and out of work for awhile and fell behind in payments. I was told if I made a payment on a certain date I was assured my vehicle was safe from repo. I made the payment and today I received a message …
Worst finance company ever! Imagine being sick and out of work with a 559.00 car payment. I received help from my county in various ways of extensions and etc but ACA doesn’t seem to offer nothing to help us as customers! Taking advice …
Absolutely do not use this company if you do not need to. I originally informed them I was in an auto accident where I was hit by a tow truck (they literally turned right into my car). One rep stated they would put off the payment while …
We had bought our car and financed threw them and less then a month later the car got totaled out in an accident. My insurance sent them a check with the full pay off which was $19,000+. They cashed the check and never put it in our …
If I could them zero stars I would. This place is a complete scam. They’re saying that my account was 61 days past due and that I was going to be in repossession status. Remind you I have made the payments and they’re saying it wasn’t …
If there is a positive review of this company they paid someone for it. Not being able to refinance is crazy, paying over 12000 into a vehicle that I have had for a little over two years and them only applying 1300 to the vehicle itself. …
I am currently in the market to finance another car and I applied through a dealership. This company was one of the options and the car was for 10,500. As my credit is fair. This company wanted me to make a $5,200 down payment and APR at 28.00%!!. They are literally trying to rob me without a gun. They are absolutely LOAN SHARKS!
I started out with ACA in February 2018 for a 2015 Chevy Cruze I financed. In December 2021 I traded in that vehicle for a 2017 Ford Escape using American Credit Acceptance again. The previous loan still had a balance that was rolled into …
This is the worse company ever my xar got towed not knowing what to do listing to people. I called them to help me get it out they told they will help me get it but didn’t tell me about extra fees which was fine cuz I wanted my car. So I …
If I could give it 0 stars I would. This is one of the worst loan companies I have ever had. The manger was rude and not knowledgeable about the policy. She didn’t even make sense of the issue I was having. She didn’t even understand her …
Definitely the worst. When COVID first hit we (my husband and I) were both in the hospital on oxygen couldn’t talk or call them had never been late before. I explained that we almost died and couldn’t call. They didn’t care they raised my …
Every month it never fails. I pay my car ahead of time and then j see the payment never gets taken away. It turns out. The payment has been canceled. They then get charged a late fee cause the Mickey Mouse doesn’t work properly. Oh btw. In the course of 72 mo of finance you’ll pay an extra $432 in payment processing fees.
Gave ACA five stars because every experience I’ve had with their customer service has been positive and helpful. So far they’ve extended my payment date twice, and even pushed back my payment date to make it more convenient for me. As long …
This company takes advantage of people that are faced with the challenges of getting financed for a vehicle. The moment that you are late with a payment, they reposses your vehicle and tack on towing, storage and other fees to where you …
I love how easy it was to get accepted, I got a beautiful car and was shocked at how simple the process was. I was a few days late paying last month and didn’t get a fee and they also let me change the day of when Im required to pay each …
Absolutely poor business practice…I received a message explaining about a fee that I see being taken from my car payment, only to say I owed more. I have been on time with payments, and how they let you know instead of waiting until you get …
ABSOLUTELY TERRIBLE! Do NOT finance with them. They reported me 30 days late during Covid! I was short $100 out of a $1200 monthly payment and they said they wouldn’t report it as late because of Covid and because I was only 8% short. They …
I went through enterprise car sales, and to say the least; I’m already not happy with the service, and I literally had no choice but to go with them. WIth a 25 percent interest rate, it’s simply not worth it going with this company. Their …
This is a horrible finance company. I’ve had my car for 8 months and tried to use my extended warranty but was told that ACA had canceled it after 4 months. I talked to a rude woman at ACA and she said it was due to repossession. She said I …
Had a loan through them after purchasing my car from Carmax. Was one of the few companies that would finance me. High interest rate but i was aware of that when signing the contract. As long as you pay on time and in full you won’t have a …
Quite literally the worst loan company. I had financial hardship and requested surrendering of the vehicle, which was denied. Wasn’t notified of denial so I kept calling back and when I finally spoke with someone they said “we didn’t let …
If I could give a 0 rating I would. Customer service is atrocious. Communication is atrocious. They are not willing to work with you if you have financial hardship and while lie, lie, lie. The moment I can get my account away from them I …
Like others I’ve experienced terrible customer service, lack of proper documentation. They never know where I live even though we told them the correct information at every call (you have to validate your address for any call). Their online …
If I could give them no stars I would ! They are always rude and never help with any issues I have . I’ve had them for 2 years so far and it was the worst decision of my life. I only went with this company because they offered me the …
Unfortunately, I did not choose this company they brought me out my contract with someone else and it’s been a headache ever since. My price went up from what I owned my balance has NOT WENT DOWN only $200.00 from August and I pay $400.00 a …
I recently signed a car loan with American Credit Acceptance. I just want to say thanks to them for taking me on as a client. I don’t have the best credit due to life turbulence after being medically retired from the US Army. I couldn’t get …
Absolutely a poor company to deal with. Reps are very unprofessional and will do NOTHING to help you. Spoke to the dealership about the way I have been treated and was told it was par for the course with them. I will no longer be paying the …
I wish I could give this company no stars. I financed a car from this company and was just recently in a hit and run accident. My car was totalled by my insurance company and upon contacting them to give them an update and other information …
Don’t know where to start except avoid them. My grievances are just like the rest. Unprofessional no knowledgeable customer service team, payment scam with extremely high interest rate. After 20 months of appropriately $400 payment balance …
If I could I would give 0 stars.. THE WORSE CAR COMPANY. I always paid my car on time and had not problems with this company besides one thing.. I refinanced my car with another company in the begging of the year because I was able to get a …
If I could give zero stars I would. This company is terrible. My son and I have been trying to get a copy of our loan agreement and a payoff for 6 months now. They keep saying they will email it and never do. It was a 3 year loan originally …
This place is horrible. Do not get a loan through them otherwise you will end up purchasing the car 3 times the normal cost. They have people working there that doesn’t have any knowledge about simple interest loans. One girl tells me my …
The worst.. the worst.. The absolute worse. If your car note $346 you only paying about $200… the rest goes to interest. Please don’t be late you really messed up they taking over half of your payment and it putting it towards your …
I truly wish I could give this place zero stars. This has been the worst experience of my life. I wish I stayed with Capital One. They took my car while I was in it! Literally hooked my car up to the tow truck. I called about any missed …
If I could give 0 stars, I would. This company is selfish, and please make sure to NEVER do any business with them. My family has been recently affected by hurricane Ian and was late on making a payment. They didn’t have the courtesy to …
One star because I have been dealing with them CORRECTING a payment since NOVEMBER 3, 2022. My dealership apparently sold my contract to them and wouldn’t fix an incorrect payment on their end, so I had to submit my bank statement and …
The biggest joke of a financing company I have ever worked with. There is no grace period. They will charge you excessive “late” charge fees. I had 13 late charges of 21.13 each ALL ON ONE DAY. Took them over two weeks to resolve this from …
I financed a car through them 6 years ago and I had a great experience. The interest rate was through the roof but that was my fault for having poor credit. I paid my payment two weeks before its due date every month and had no issues with …
I am a car dealership, THE WAY AUTO EXPORT, who sells BHPH portfolios to this company and It is the most professional and honest company I have ever done business with, with the exception of some of the agents in how they deal with the clients, that’s something they need to work with but besides that 100% I recommend them.
I can’t login to my account online to make a payment.
There’s no Tech Support for login problems associated with making an online payment. They charge you close to $7 to make a payment online, over the phone, etc. Their call center is contracted in the Caribbean.
I have called twice now since taking out an automotive loan with this company. I have to say that both of my experiences with customer service reps have been at best no help at all. Just obsticals to make your payments. When you call to …
The ABSOLUTE WORST financial experience I have EVER had in my life. I am telling you, you will be better off walking or taking public transportation than to deal with a company such as this to finance your vehicle. I too will be contacting …
I dont believe the dealers are being vetted. Once you sign at a dealership you on the hook for the money so they just need people to get in the car.
Promise you extensions and never give you one then they come and take your car! Most unprofessional place ever DO NOT GET A LOAN FROM THEM !
If I could give this place -500 stars I absolutely would. This is hands down THE WORST experience I have had with anything “adulting” related yet. The employees are not knowledgeable, every time you call about something each one says …
I don’t recommend this company ALOT of hidden fees. They don’t tell you that they Charge you everyday interest and even if you pay your car note months and months ahead of time and you’re not due to pay again until month’s later on and you …
Update 7/31/21 I sent an email to ACA explaining my financial situation and they approved the deferred payment. Thank you whoever was listening. I am going to give 3 stars because of the customer service experience. In my review below I …
I have one star because 0 isn’t an option. If you have any other options at all TAKE IT. I don’t understand how this company is in business. It’s an absolute joke. 🙂 …
Called multiple times spoke with multiple people about receiving something as simple as a 10 day pay off letter. I was told a few different answers about how long it would take to receive this email. One person said it would be 30 minutes …
I honestly wish I read the reviews on this company before financing through them! I attempted to call and request a deferment due to my fiancé being laid off and myself being home with our newborn and 2 year old and I was told I couldn’t …
Absolutely terrible. Do not do business with them, I wish I hadn’t. I got behind with CoVid and have repeatedly tried to make arrangements to catch up. They refused to help me in any way at all. No deferments, no payment arrangements, no …
Boy if I could turn back time and save myself I would. I hope these horrible people never see the gates of heaven by the way they treat others. What goes around comes around.
To be honest, I’m probably the most negligent person with paying my car note in time, but they are always so polite when I speak with them on the phone, also, they gave me a chance when I had no other offers for a loan. I have never asked …
Just save your time and money, find another company to do your business with. I’d walk before I finance anything through ACA!!! Carmax should be ashamed for suggesting this company. Due to the pandemic I lowered my insurance to liability …
This company basically robbed me of so much money. I ended paying $17,000 for a car that was worth $2,000. After, years like 5 years of paying $363/month it still was repossessed. The interest rate is illegal and I was mislead. The loan was …
I paid off my loan weeks ago and still have not received a lien release. i have contacted them 10 times and no such thing was received. they are terrible at getting your documents to you. very unsatisfied with their service.
NO STARS DESERVED!!!
Refinancing as we speak. The customer service is garbage. I called to push my payment back 3 days, that I have never been late on in the 7 months I’ve had the …
Beware. If you are getting an auto loan, and especially if you have little/bad credit, go through a credit union. …
These people are so stupid they couldn’t find shoes in a shoebox! I have an 806 credit score and they denied me a car loan! Steer clear of them!!!
worst people i have dealt with ever. i would not recommend to my worst enemies. Every time we talk to them we get a run around about how many payments are owed and when our pay off date is. we are trying to refinance our car for obvious …
This car financing company is the worst ever. I have never seen so many incompetent people in my entire life. They don’t work with you their customer service agents are not professional, treat you horribly, if you’re behind and they harass …
I became seriously I’ll while attempting to deal with these people. I explained my circumstances and was told as long as my payment was made before the end of the month, it would not charge off. I made the huge payment they required, called …
I would not recommend this company to anyone. My loan interest is 18.69% – INSANE. I have read that the average APR is 24% with this company. Most banks refinance you at 3-8%. I took the loan because I thought I was desperate enough. Turns …
I just want to know what loan company asks for payment via Money Gram? Money Gram themselves say not to send payments like that because it’s a possible scam and you can’t get your money back if something goes wrong. …
Got a car during the pandemic lost the pink slip from dealership – been over a year I’ve been fighting for a duplicate or copy of a title to get out of my temp tags – no one is helpful!!! They keep saying they will send and email and never …
This month will be a year with this company, other than high interest rates and not helping you out with making a payments there ok I guess.
This company still owe me a check from a year ago and can never tell me why it’s taking so long to send me my money. They are very unprofessional.They should not be in business.
When you call automated system it says they take credit and debit master card but they do not. I asked agent to file a complaint and they hung up on me.
The worst company ever! They sold my car months ago ! And it still says the old balance and not the new balance on my credit … DON’T GO with this company it’s the worst !
Almost a year trying to get my car title! Every single time I call, I “owe” something. I paid that “something” 2 times already, different amounts and no confirmation number, no letter, no confirmation email, nothing. They said I will …
I got my mini Cooper Countryman from them.I cant wait to pay them off. They are not best at all.!!
I had bad credit but they gave me a chance and I got a car I love so I’m grateful for that. I’ve had to speak with customer service multiple times after losing my job and they have been able to work with me while always being pleasant and easy to speak with.
Like someone else stated, if you have to use ACA for financing there is a reason. I never had an issue with them. This is not one of the financial companies where you can keep deferring your payments so keep that in mind. I was able to pay …
Don’t not I repeat do not sign anything for this company. Covid hit and I lost my job and had no help! No extension or anything! Bad for business! Majority of your payments are paid to interest not you actual vehicle!! Just horrible! Would never do it again!!!
DONT USE THEM. YOU WILL NEVER OWN YOUR CAR!!! Been trying for a year to get my car title. Every time I call, I “Owe” $ x amount. I asked for an statement, they keep promise to send but never received anything on mail or email. And if you …
We paid off our car on October 28th 2021 through bill pay at our bank. As of October 30th 2021 our phone number and account information is not recognized when calling American Credit Acceptance. Also one of the credit bureaus has advised …
If you have to go through this company there’s a reason. I had my auto loan through them before. Paid it off! Never had any trouble they always worked with me through it all. Now I’m in the position where credit is in a much better position. My advice pay, and pay on time every time!
Have not had a good experience, first I couldn’t understand the first agent, between her accent and the static on her line I did not know what she was saying and she had the nerves to have attitude with me fore asking could I speak with …
**WARNING! DO NOT DO BUSINESS WITH THIS COMPANY! Many people struggle with bad credit and may be desperate to get that newer-looking used car…DO NOT if American Credit Acceptance is the Lender! The interest rate is so high that you end up …
I’ve had my car for 3 years now!!!! I was just told I’ve only made 2 payments on
The account remind you my note is $566. I called to make my payment and my …
The last person to post is correct! I’m still awaiting my payoff amount letter in which I plan to use per my lawyer to verify payoff amount and send a certified check. The reps I’ve spoken to have lied about the letter and I can’t open the …
If you are a military service member, never go through this company. They do not care and will tell you that they do not care. Every time I call, someone has an attitude. They say they put notes on your account and that is a lie. They do …
These people that they call customer service reps are so terrible. They’re horrible people with no respect. They need to quit this terrible job they have and get an education. This company is horrible and I would not recommend using them …
Place is a joke experian shows I still owe 6,369 dollars, I owe 1240 left total, haven’t updated to the credit bureau in over a year
Just paid off my vehicle. From beginning to end I have not one negative thing to say about this company. Yes your interest rate may be higher than a traditional bank, but that comes with the not so good credit choices we may have made. The …
0 star, don’t finance your car with this thieves, my bank sent them a check on march 21st the check was received and cashed out and they still saying that the haven’t received the check. My bank have proof of the they received, they also …
Yes, they’ll take you if you have low credit, but it may hurt you in the long run. My $12,560 loan will cost me $32,000 ($20,000 in interest and almost 3 times the amount) even if I make every payment on time for the next 6 years. …
Wow, I wish had read these comments before even stepping into a loan with this place. Ive been good with payments as well. I hit a wall of hardship 3 children, covid, one income and I call to make arrangements and they put a repo on my car. …
Took 4 months to get my copy of my title sent to the DMV to plate my car when I moved to a new state. Had to fax the paperwork several times. Customer payment portal is the opposite of convenient. So happy I was able to refinance with …
Got behind in payments for two months car got repoed can’t get in touch with anyone to set up payment to get my car back very upset !!! Being that I have to pay extra fees everyday it sits you think someone would
Answer my call I’ve been calling since 8 am this morning
One of these worst companies to deal with also repo company tore up my yard for the car that was in the driveway now they telling me I can’t get my stuff out the car after telling me I can when it’s my property I’m going to report to Better business bureau and attorney general if you finance a car don’t use them
Wow ok now seeing a lot of reviews most of them are bad even on bbb.org ok my advice to the people that have paid their car loan off this is a bad credit lender so what you do when you get a bad car loan or any bad loan you take it if …
So I financed a car through these guys and not even a few months in it broke down. I’ve been paying for 2 years on this POS and have paid over the value of the car 7,000 car is worth 3,000. Been trying to get a hold of their settlements …
Terrible service. They were charging me interest on a car that was deemed a total loss, and I told them my GAP insurance was going to take care of all of it but it would take a while. My car was totalled in November and I’m just now getting …
If i could give no stars…it would be no stars. We got behind on 1 payment by 28 days. They sent us a letter stating we had til July 9 to pay it before repossession….we tried to pay on July 7 online and it states that they are no longer …
ACA has been by far one of the best companies I’ve had to deal with for financing. They are always willing to help. Last week, my car was repoed and I’d been dealing with personal issues. The agent worked with me to reduce my payment and …
If i could rate it a ZERO I would. I’ve had my car for 3 years always paid ahead for the past year it’s been going to all interest. Covid was really hard for me lost my job tried talking to them seeing if they would work with me no matter …
Horrible company, very sleazy, garbage customer support, horrible APR, horrible rates, horrible everything… DO NOT KEEP THEM IN BUSINESS, STAY AWAY FROM THIS COMPANY !!!
I didn’t have good credit when I got my car loan & unfortunately it still isn’t great. I ended up having an upside-down loan. I have never had any issues with them. I realize the interest rate is high & the car payment is high, but I …
I had bad credit when applying with this company and I thought I was in for something good. But they really need to be closed down. No assistance with anything. COVID hit and they won’t allow you to make arrangements. Not to mention you …
0 STARS! HORRIBLE!! AVOID AT ALL COST!!! I REFINANCED MY CAR LOAN ELSEWHERE AND THEY LOST THE CHECK I OVERNIGHTED! EVEN AFTER I PROVIDED THE TRACKING NUMBER, CHECK NUMBER, WHERE IT WAS DELIVERED AND THE PERSON WHO SIGNED THE CHECK. SAVE YOURSELF THE HEADACHE! THEY SCAM PPL, STEAL YOUR MONEY AND PLAY GAMES!
The absolute worth car company to handle
Business with, they never answer! I requested transaction history and they never sent it, I called to request again and they said they couldn’t see where we had been making payments! I highly suggest looking into another car loan company this place is a joke
Let me explain why I gave this company 4 Stars, and for anybody who got approved for this loan, or is thinking about it. Let me explain my situation, and read this. I read all the horror stories and MANY reviews for American Credit …
This place is the worse lender they tell you they will work with you but they don’t. You miss two payments they coming for it high expectations out of you for a low grade company smh..
They made me get gap insurance and an extended warranty on my car before they financed my car. Then on top of that, the company they used to repo my car damaged my car by damaging something underneath where the engine is and made it fall to …
It’s got to the point that I just want to turn my car in, they never try to work with you no matter the situation but always want to threaten you with repossession, they are just beyond money hungry and if you don’t have the funds or are struggling at the moment they could care less.
The worst lender ever I suggest riding public transportation if you can until your credit is approved by a reliable lender they literally repo my car then had no way to get in touch with the company to pay recording says service is down n …
I’ve had a heart attack a month ago so I just got employed literally they are saying they can’t work with me even though I have the money the next week so they are talking about repossession
One of the rudest customer service representatives I have ever dealt with. No matter when I call or whom I speak with, every representative is rude and very snappy with me. I dread calling this company for any reason. Not sure who is in …
I just want to say that this is my first time buying a car and aca has really made it as least stressful and intimidating as possible. The responsibility of paying and taking care of a car note alone is very intimidating to say the least. My interest is super high, but they took a chance on me when no one else would.
Yes, interest is high. Pay on time and their shouldn’t be any issues. I haven’t had any. I’ve also tried making 2-3 payments a month to help keep interst down. The interest is charged daily. Once I figured that out, it helps you decide when amd how to make payments
I promise you any review over one star is fake. Do whatever you can to avoid this company at all cost. They don’t care about you. They don’t care about your situation. They don’t want you to have a car. They want your money, all of it. …
This is the worst company to deal with. Anyone looking to finance a vehicle please save yourself the trouble and go elsewhere! Vehicle has been paid off for months now. Have been waiting for the title for months, each time I call a new excuse.
Honestly wish that I had read the reviews on these people!! The absolute WORST company EVER!! THey give you a loan alright. One that you can NEVER PAY OFF!! MY $8500 dollar car cost more than 25,000 with interest. MOST OF THEIR LOANS HAVE AN INSANE INTEREST RATE AND ACCRUE INTEREST DIALY!! EVEN IF YOU TOTAL YOUR CAR!!!
I have never missed a payment. I was married at the time I took out a loan with them. Divorced several months back and tried to get into online account to change my address since I had moved. Couldn’t get into account. Called them and was …
Horrible customer service. I’m having financial hardship right now, waiting on my check to clear and they put a repossession note on my account. Remind you I’ve been paying $300 extra every month since I got my truck. So now due to hardship …
This company has me stressed completely out.. they took money with my authorization, put me negative and seems they have no urgency. I can’t pay for basic necessities like gas, groceries, etc. I literally drove to work on E yesterday , and …
Went from eecu to this horrible company. I will say that I wasn’t in the best financial position and needed a car desperately. So I will give them their thanks for accepting me when no one else would. My $9000 car is almost $ 17,000 which I …
Definitely not a good experience with ACA, and reading through everyone else’s responses it’s crazy a company is still operating with such a horrible reputation, however like a lot of other people you never really know until it’s to late, …
If I could give 0 stars I would. I had a vehicle financed with them for 3 year and was never late on my payment. On January 26th 2022 I had a car run a red light and totaled my vehicle. My insurance paid out for the crash and sent them a …
I have my car loan through them. I have never been late on a payment in 2 years. They took my payment out twice on the 17th of December. I called them crying because their error made my account negative right before Christmas! I have …
Worst company ever!!! Paid my car on time every time for a year straight. With additional payments made throughout this time. Come around to the holidays and I catch Covid so had to miss work. I call them to explain my situation and see …
This is by fair the worst place to get credit for a car loan… had a death in the family and they couldn’t even work with you … the worst people ever nasty people working also they charge you a extra 6.00 for making online payments or on the phone as well .. they s*** bad
The worst company ever! I paid my car loan off in December 2021. I went to go purchase a new car this week only to find out that on my credit report ACA is reporting that I have an outstanding balance. I contacted ACA and the representative …
I have had my car for a year with on time payments. The one time I need help they can’t help me keep my account in good status with one deferred payment. No help at all.
Wish I could give 0 stars. I usually don’t take much time typing up a review but I will for this. Stay far away from this company. You may feel like its your only option because your credit may be challenged at the moment however please …
This loan company is the worse!! Not only did they charge my account for 2 payments (it was suppose to only be for one) but when I called to get a refund the customer service associate lied and told me processed it when whole time he …
I have an account with these people, and I have nothing good to say about them, if u can go to a bank to finance you a car. My account got switched over from another finance company! If u go through a dealership and they say American Credit Acceptance is the loaner your best bet is to decline the offer! They cheat people
Worst loan company in my opinion, do not go through them just save yourself the trouble. I’ve had financial hardship and gotten sick then right back to back got injured at work and unable to work. They are not understanding at all, no …
Don’t get these people they will not help you in any way or form. They do not care for you at all or your will. Werther your sick or dying they don’t care what so ever. This company has to be the worst of the worst. The crazy part is my …
I reached out to American Credit Acceptance on 3/31/2022 to discuss settlement options regarding the vehicle loan I have with my ex-husband for a 2015 Nissan Armada. I was advised that if I went to a dealership to have the vehicle appraised …
If I could give them negative stars, I would. If you can go anywhere else, GO. I’ve reported them to BBB and also reported Carmax for using them as a vendor. Also know others who have reported them. They repossess vehicles and can’t even …
Do NOT finance a car through this company!!!
I tried to do an early payoff and they are STILL trying to charge me ALL of the …
Worst company ever! I was in a bankruptcy and I surrendered the car back. They haven’t pick the car up yet almost a year.
Updated contact information multiple times, was told it was updated. Then, surprise surprise after months of trying to get a hold of them to return the car and getting no responses, they repo the car. When we try to find out where to get …
If i could give customer service a 0 I would. I paid my car online like i normally do monthly. First off let me say I called to update my phone number, email address,etc. I paid the 23rd of this month. I got the email that it had been …
Trying to login to access your account online NEVER works. Even after you speak with someone in tech support. No matter who I speak with agents especially are clueless and don’t know what to do. Sad part about it this has been going on for …
Financed my Lexus thru them and the rate was better then most and a better interest rate then other banks. They have been fair and communicated well. payments on time and even if I forgot to make a payment and was a day or two late they still reported on time. I would definitely do business with them on another car in the future.
Worst Company ever wasn’t notified of any repossession even spoke to them day before they decided to repossess my car. Woke 8Am Wednesday February 2022 and saw my car was taken. That right there tells me they aren’t interested in doing …
The ONLY good thing about this company is they will finance almost everyone. However, they have terrible customer service and they clearly do not care about you. They won’t work with you if you need to skip a payment. They tack on …
If I could rate this company zero stars, they definitely deserve it. 99% of their employees in both the customer service and reinstatement department are extremely rude and disrespectful. They do NOT care about their customers as they false …
It’s my first time getting an automobile and I was so desperate to get someone who would approve me. I gave them a try and worst experience ever. My first payment and I’m already having complications. Paid 3 days before my due date, but It …
If I could give this thing less than zero stars like a negative 5 that would be appropriate! Number one they will not let you refinance your vehicle with them they don’t do that even if your credit score rises. Number two they will never …
I got the financing but I’m being grossly taken advantage of with 29% interest.this company should only be considered as a very last resort .29 % interest should be illegal!!
THIS is the worst financing company that can exist in the United States, please try not to accept any contract from them so that you do not go through the worst of your experiences. THIS company is not only going to raise your interest, …
THIS IS THE ABSOLUTE WORSE COMPANY I HAVE EVER IN MY LIFE DEALT WITH!!!!! If I could give them a NEGATIVE ZERO I would!! They have zero knowledge of what’s going on, the calls are suppose to be recorded and monitored but that doesn’t help …
If I could give a 0 I would. i paid the amount that was asked to get my truck back. I missed one payment and when I made payments to catch up it wasn’t put toward October payment but it was put toward the current month that we are in, …
I can’t say anything bad about ACA because my credit score was low at the time and they was the only company that would except me but I wish I would’ve work on my credit score before I got a loan from them stop being thirsty and wait or …
I got sick with the Rona they said they would help me repoed my car after being in the hospital for 58 days I had to pay car up front to get it back not to mention they charging an atrocious amount of money for a toyota
I paid of my Motorcycle loan. My experience with the staff has always been friendly, helpful , kind and professional. …
I applied for auto loan through these people they did a credit check and said that it would not affect me then turn around they put on my credit report that they gave me $19,000 to get a vehicle when they never did and now it’s messed my …
Would not recommend this company to anyone, for any reason. All of their Customer Service Reps are outside of the country and the service is sub- par.
I’ve called multiple times to have our lein release be sent to us…1st we were told 24hrs, then 48hrs, then we should get it in a few hours and still nothing.
You have a 1 star because you don’t work with your customers if they go behind on payments. Your payment schedule is beyond what most people can afford. Interest rates are too high as well.
This is the worst bank ever to be with for a car me and my wife just moved and then we get repoed and we just started working to they dont give anybody time to get money exspecilly during this hard time everyone is in they are all lazy people collecting are hard earned money they dont work they just sit on a computer all day
I would not even give them one star but had to to write a review. If you plan to do business with this company, DON’T because it’s a horrible business. Customer service is rude and called me a liar 🤥. Do not do any business with this company. …
I finance a car with them and they told me they don’t refinance I’m struggling and they are no help I brought car 30,000 miles it’s 80,000 now it’s acting up warrenty on it it cost more to fix it than buy it and I can’t give it back cause it will mess .y credit up
This is the worst place to get credit. If I could rate them 0, I would. I wish I had looked at the reviews before I took the loan!! Be careful people! Do do it. You would rather be without if you had to sign with this company!
absolutely the worst company to deal with got into a car accident in my other car was in hospital company never sent anything in mail of intent to repo …just came in took the car….its all good you lost out on interest in contract with 2016 ford fusion lol……negative 5 stars
This place is shady at best. Husband has them for a year and we use same account every month,
They refuse to take payment out and say it’s insufficient funds to make 25$ on you! Nobody is here to help!
I’m up to date on my car payment and the repo my car they keep moving it and don’t know where it is now I have to find it and pay whatever they want when I call they give me different answers
Never had an issue with this company I’ve been a customer since April/May 2021. If I’m ever late on a payment they are understanding and will work with you.
This company needs to be shut down with thier preditory loan practices not only them I believe CarMax to be in bed with them on scamming people who have bad credit telling them online one thing as I was told that the deal was done I needed …
this company is beyond horrible i literally been with them for 2yrs i paid my car note and the customer service lady put my note on another person account and they towed my car . so then my new month car payment was due and in order for me …
My problem is with the website. It is a complete nightmare. If you change your debit card good luck getting the website to add it so you can actually use it to make your payment. PLEASE American Credit spend the extra money and hire good professionals to do your website so it will actually work.
They are ridiculous !They send text constantly and when you call you constantly get a foreigner that you can barely understand and instead of trying to help you they hangup on you.The charge of 6.95 is ridiculous when paying over the phone …
Thank you for proving credit to me when no-one else did, I had a couple of hiccups with the website but it works fine now. They have been great and patient with me and has helped me a lot. So thank you American acceptance.
You’re better off walking. I had a car for TWO DAYS. Yes, TWO DAYS. I took it back to Car Max. But no, ACA sends me repossession letters and hits my credit for a car I had TWO DAYS. It just shows me I made the right decision not dealing with them.
I would rather ride in an Uber driven by John Wayne Gacy than to ever deal with this company again. If you find yourself in a desperate need of a car loan please reconsider. American Credit Acceptance is nothing but a predatory loan company.
I was put on hold for 2 hours trying to get a hold of customer service and when they did answer I didn’t understand a word they were saying. Larry H Miller made it sound like they were a good bank to financed my car loan but they haven’t …
American Acceptance is the WORST company I have experience I will NEVER in my life go there AGAIN. This company make you want to get your credit right. They took payments out twice without my knowledge . Im in the process of suing them now. The WORST.
I swear since I got the car with them it has been problem after problem. We literally got the car the month before covid and then in this recession they refused to work with me. Horrible. Change immediately if you can bc these people are a headache
Didn’t think I would be able to get a vehicle, 3 years later my credit is at a 680 (from a 430) …. the low reviews are from people who don’t understand how bills work. I’ve never had a problem with the company and I’m grateful for the chance they gave me.
My experience with customer service was extremely poor. The customer service reps give conflicting information. I called several times about an ongoing incident and received different info depending on which rep I got. Many of your reps are …
I really hate this finance company, I try making payments and they cut your car off but want you to pay them, how do they expect you to get to work? I’m a full time student and I work part time, I honestly wish I would have chose another …
They took my car the same day i had it refinance they was rude i was without a car a for a wk i will never recommend them
I would have given them zero stars but they won’t allow me to the worst company I’ve ever financed a car through do not do it ridiculous interest rates I should have never took the loan but I had four days to find a car after somebody else …
If I could give no stars, I would. This is THE WORST financial institution to finance / bank with. They do not answer their phones. When you finally get someone through on their chat line, they say make the payment and call us. …
The worst!! I will never use them again interest rate is extremely high and they make it almost impossible to pay anything off. My loan jumped up 8000 dollars in less than a year making it impossible for me to refinance. They do not care …
If I could give this company a 0 I would. They reposed my car and I gave them half of the money so that my car wouldn’t be sold but somehow my car was at an auction getting ready to be sold and I came and got my car. When I got my car it …
I bought a car in 2019 using them, I was just establishing my credit, I recently got my bank to give me a very good loan for the car. I need certain documents from ACA, so my bank has proof of the loan from them. I have waited over a week, …
If it was zero star option, I would put that. The customer service is extremely rude, no one can explain to me why I have “2” accounts with them, why they marked late payments more than 6 months after the loan was completed, and I’ve been …
I wish there was a 0 star button. Do not finance anything through this company! It makes me laugh that the company has posted to contact them on every bad review! Why? Obviously we all have contacted you and you didn’t help us at all. Why …
This is the absolute worst experience I have ever had with a purchase. I bought a car from CarMax and my loan was done through American Credit Acceptance. I went to the website and set up the auto-pay option before my first payment was even …
Tried to make a payment 3 weeks early. Their system was down, but somehow still processed 2 payments through my account, leaving me with 7 dollars in my acct. on payday. Now of course the system is too broken to simply stop the extra …
Now this only based on a few months of working with them…. ill start with the good. I fell behind on payments and they are working with me and were actually pretty easy to get in contact with over the online chat. They seemed pretty …
This company, I can’t speak highly enough of! My first car, a 2019 Sentra is pictured! My dad who has a poor credit score helped me co-sign, and me with no credit, got approved only by this company. If it wasn’t for this company, I’d still …
Absolute joke of a business. They are not committed to work with you like they say. The customer service is clearly a call center going by scripts and failed to answer any of my questions. The website never allows me to login and my auto …
This company is a rip off. Kept my gap insurance although the car was paid off. SCAMMERS, ANYTHING TO KEEP CUSTOMERS MONEY!!!
This is the worse company to finance through. Out of three I was approved for all same apr they went with this one and by God as my witness this company should not be standing. Made payments on line they said it was returned for …
After knowing I had hardship they still repo my car with all my stuff in it while I was paying to get it up to date. Even lost hours at work because of it. All my laundry, money, etc. in the car. As in my work clothes and underwear in …
This is the ABSOLUTE worst finance company out there! they offered no help or options during the pandemic! When you could get through to an agent not a single one of them could give you the same answer even if you were asking the same …
Do not get an auto loan through this company. I got in to a bad loan with them and they are making it extremely difficult to pay off. They also will add fees on as soon as they can. Everytime I call and ask for assistance they tell me …
THE WORST!!!! I Regret financing my car with them. They take advantage of people who do not have the greatest credit. Outrageous Interest rate! One of the worst Company ever. No consideration for people who has lost a job. They are quick to hit your credit. Biggest regret.
Paid my last payment on my car loan 12/10/2021. They congratulate me and sent me a letter in the mail saying I should receive my title in 4-6weeks. It’s almost May & still not received it. Called this afternoon to see what the hold up was. …
They are absolutely horrible. They give no assistance with financial troubles. High interest rates, and to top it all off they don’t even check into your insurance that you have on you vehicle to not only protect you. They allow you to …
If i could rate 0 stars i definitely would. The customer service sucks! They hung up on me in the middle of my sentence. Then different employees said different stories about my “account”. When i say i am completely over this company i …
I got a car loan through this company when no one else would give me one. Paying it though was a different story. I’ve rarely been able to log in to their website. When I finally was able to and set up auto payments so I wouldn’t have to …
Interest rates through carmax is a scam
Carmax even charges for an engine you dont even have. Too many lawsuits
I didn’t have any issues with this company for the most part.
I desperately needed a car when I financed with them. My interest rate was …
If i could give them no stars i would !! American Credit Acceptance is a joke ! Every representative you speak with it’s something different or they are providing you inaccurate information it’s sad honestly ! Even down to the supervisors …
I’m done with these people they don’t help you at all with anything I was behind a payment and then I get we will repo your car I thought you supposed to be multiple payments behind like other dealerships but no they stay calling always …
Customers service reps were very nice and understanding when I got into contact with them.I would recommend this financing company to anyone.
No one else will approve me for a car but them , They don’t care what is your situation they will try to take your car I don’t matter with them people, if you go into problems they don’t want to hear it but all they want to hear is when …
I never had any concerns or issues that came about. ACA was awesome to work with and I was able to adjust payments as needed during times of need.
We didn’t get a loan from them bought our vehicle from musa auto and gave half down and received letters in the mail WITH THE SAME BALANCE OVER AND OVER. Went to log in and it is triple what is in the letters. Called and was on hold for …
Worst finance company to ever do business with.. Don’t waste your time even if you have s***** credit.. They will charge your card for payment without consent even if you don’t have automatic payment set up
I tryied to get them to pick up my motorcycle because of the way they make u pay all the intress first b4 anything much comes off the principle after 5 months they didn’t pick it up so I called an said what if I catch all the payments up an …
I’ve had my car financed with them for 2 years now. I have not had any problems and they are always nice when I call.
This place is a scam, unfortunately they bought my contract through the dealership I was using (not sure how this is legal) but ever since this has been the worst experience and i just want it to be over. …
I really hate this company. I asked for a deferment for my car note and was told I could not get one. I have been paying my car note a month in advance. The one time I get behind not even a entire month I can’t get any help. Customer Service is the worst.
A Member Of The Escalations Department Of ACA Management Renee V Was The Most Helpful Out Of Everyone I Have Dealt With. She Dealt With My Anger And Still Figured Out A Solution For My Situation. She Has Shown Me That There Are Still GREAT People In This World. I Am TRUELY Greatful.❤️
This company is the worst , for the pandemic this company was the only company that didn’t reach out for help (like most of the companies I know )you have to be approved for help. I was outta work for 3 months I’ve been with them for 3years …
27% interest
35 late fees
7$ charge to accept payments …
I was fortunate that ACA gave me a loan for a much needed vehicle. Well I’ve been making the Payments but all my payments are going to the interest rate and not the loan. I will be paying on this for the rest of my life. This is a lesson learned and hopefully I will be able to refinance so I can get this from up under me
I just got approved by this company but few week later having the car, they just told me they need the car back. How do you approve someone later after a week and tell them the loan fell off? It was a nightmare. And checking on youtube i found out they been doing this to all the people.
Stay clear of the crooks, they wanted $8k down as a down payment on a used car through Enterprise, I went else where, and put $2k down on a used car. I found a better loan company vs these crooks.
I really love this company! They have been by my side through thick and thin since March of 2021. Very understanding staff. They will work with you. Thank you so much for your help. S.Forbes
This place blows massive egg plant. The workers sounded winded after every sentence from the lack of exercise. An extremely obese company. After my experience here I plan on burning a tire everyday to end to fast forward global warming. …
Not happy with the way this company does business they refused to give me a copy of my loan docs and would not communicate any details about my account with me. They are hard to deal with. I was unhappy with the services provided.
I have called over a thousand times for the title of the car I have paid off. Only for them to keep emailing me a copy. I need the original one since I’ve moved to a new state and can’t get registration without the title. This company is a scam!!!!
🗑 company. Employees don’t have basic/simple match concepts and will read off your dashboard as if they are showing you anything different. They don’t report on time and send you threatening emails WHEN you pay ON time. On top of borderline illegal interest rates, do not use any lending services from them. …
I legit HATE this company . All the reviews are correct so please anyone looking through these before dealing with them TAKE WARNING !!! YOU HAVE BEEN WARNED! …
Horrible experience was waiting in my title for my truck they said it was sent thru ups with “no tracking number” are you kidding me? and as of now I haven’t received my title they will not solve my issue and said for me to go to dmv …
They have owed me back pay on my car for months and can’t even get a hold of any body horrible company by far do not recommend. They don’t even deserve a one star rating they will scam you. I have tried for months now to contact them still nothing.
Well since I am stuck in this loan I am going to log all of the fraud they have done. …
I loved having American Credit Acceptance. I am sorry that I refinanced with another company. ACA was easy to navigate and customer support was a 10! I would recommend them to everyone. Thank you for being an awesome!
I would give it 0 stars. I have had the most difficult time trying to “settle” my debt so it’ll be wiped from my credit. Every time i call and talk to someone they act dumb. this is ridiculous and i’m very disappointed and will never …
I spoke to rep and she stated everytime there is a late fee on the acct I would have to call in and make a payment and tell you all that I want the late payment amount to go towards that. That when paying online the system will not apply …
While out of town at my Chemo treatment, they called in our car to be repo , then when I called them lady on the phone said nothing! They were not understanding caring or anything and to do it the day before Christmas Eve. We are stranded …
Save yourself, and your sanity and DO NOT go with financing with this company. They refuse to work with you and can’t even update an address that was provided for 3 years straight. They don’t know how to give the right letter for a car to …
1. Went to carmax
2. Was financed through ACA with a sky high interest rate
3. Two years later the car was repoed 1 hour after I made the payment (no lie) …
The WORST SCAMMING COMPANY I’ve ever ran across. If I could give them a negative zero I would . I don’t understand how they are still open! They take your money and repo your car out of nowhere, with no warning, no letter or NOTHING. It …
There’s no justification for this company they give you literally barely anytime to get the money together before it goes into auction less than 7 days after repo worst company for finance don’t try sending me a number to contact or get me …
This company will report your car when you are current in payments. Will harrass you saying you owe when you are current on payments. And does not update their website where you can view your past payments….all while insisting you owe …
❌❌❌ DON’T USE THIS COMPANY❌❌❌ They thrive off of consumers pockets! Your payments WILL go towards THE INTEREST FIRST and then principle. So whatever amount of interest on your vehicle purchase your first 2 YEARS will go towards it then …
I had a account with them and when I paid off the loan about week or two after I got a notice that my credit took a hit. When I looked it up it was a negative hit from them saying I was 30 days late. When I paid my loan off. Yeah they help …
I just recently paid my car off from them.
Never had any problems. Paid my payments on time .. I only paid 315 a month ..Took me 3 years to pay it . Only had 1 issue and it was solved quickly .. 🤷♀️ …
Just don’t bother with them at all unless you like predatory loan schemes & exorbitant fees. Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently process automatic payment …
Zero at best, agents are no help and can not figure out the simple process. I wonder how they make it out bed, the company is nothing but a crook! The interest is crazy they say one thing and do totally different and no one has ever been …
Avoid doing business with them at all costs. It’s been four months since I paid my car off and I am still waiting for the title. Customer service is a joke no one knows what they’re doing. High interest rates flat out thieves. If I could give them -10 stars I would. This company is trash.
Never do business with this company again. They report my account to credit burau as delinquent. I never late payments and account paid in full two years ago just got notification from Experian and TransUnion regarding Delinquent. I called …
I’ve had my car over a year pay all my payments on time actually my payments are usually a couple months ahead. I called to pay off my car I offered 5500 loan is still at 8000 ive already paid around 4500 it’s a 2015 Mitsubishi Maroge it’s definitely not worth it. 🙁
The biggest group of idiots work the call center. No one knows what correct info to give out. Never responds to emails, every time I called to find out how to get a deceased co owner off title. Got wrong info 4 times. AVOID AT ALL COSTS. …
This company gave me the chance to get into a newer vehical when no one else would since I have had my truck and making payments have not had any issues. When I had a hard time and got a little behind they have offered to put the one …
I hate ACA! When it comes to making a payment that’s not on time, they hassle you and ask intrusive questions about why you can’t make it. As if someone wants to tell them the many ways they are struggling and as if it’s going to help! I …
Glorified scam company running as a business. The only thing they are worried about is getting that next payment, and their customer service is all non-English speakers who do not understand what you are saying so they can’t actually help …
Their communication is horrible, they told me a bunch of different things to get my car back. First it was just pay online with my debit card or if I paid with ACH they would just need to see proof that I have a positive balance and the …
This company is extremely unprofessional and they do not support their customers. I asked to speak with a supervisor and a representative named Trina L. acted as if she was a supervisor until the end off the call. She is nothing more than a …
Customer service is very rude. I was ill and out of work for awhile and fell behind in payments. I was told if I made a payment on a certain date I was assured my vehicle was safe from repo. I made the payment and today I received a message …
Worst finance company ever! Imagine being sick and out of work with a 559.00 car payment. I received help from my county in various ways of extensions and etc but ACA doesn’t seem to offer nothing to help us as customers! Taking advice …
Absolutely do not use this company if you do not need to. I originally informed them I was in an auto accident where I was hit by a tow truck (they literally turned right into my car). One rep stated they would put off the payment while …
We had bought our car and financed threw them and less then a month later the car got totaled out in an accident. My insurance sent them a check with the full pay off which was $19,000+. They cashed the check and never put it in our …
If I could them zero stars I would. This place is a complete scam. They’re saying that my account was 61 days past due and that I was going to be in repossession status. Remind you I have made the payments and they’re saying it wasn’t …
If there is a positive review of this company they paid someone for it. Not being able to refinance is crazy, paying over 12000 into a vehicle that I have had for a little over two years and them only applying 1300 to the vehicle itself. …
I am currently in the market to finance another car and I applied through a dealership. This company was one of the options and the car was for 10,500. As my credit is fair. This company wanted me to make a $5,200 down payment and APR at 28.00%!!. They are literally trying to rob me without a gun. They are absolutely LOAN SHARKS!
I started out with ACA in February 2018 for a 2015 Chevy Cruze I financed. In December 2021 I traded in that vehicle for a 2017 Ford Escape using American Credit Acceptance again. The previous loan still had a balance that was rolled into …
This is the worse company ever my xar got towed not knowing what to do listing to people. I called them to help me get it out they told they will help me get it but didn’t tell me about extra fees which was fine cuz I wanted my car. So I …
If I could give it 0 stars I would. This is one of the worst loan companies I have ever had. The manger was rude and not knowledgeable about the policy. She didn’t even make sense of the issue I was having. She didn’t even understand her …
Definitely the worst. When COVID first hit we (my husband and I) were both in the hospital on oxygen couldn’t talk or call them had never been late before. I explained that we almost died and couldn’t call. They didn’t care they raised my …
Every month it never fails. I pay my car ahead of time and then j see the payment never gets taken away. It turns out. The payment has been canceled. They then get charged a late fee cause the Mickey Mouse doesn’t work properly. Oh btw. In the course of 72 mo of finance you’ll pay an extra $432 in payment processing fees.
Gave ACA five stars because every experience I’ve had with their customer service has been positive and helpful. So far they’ve extended my payment date twice, and even pushed back my payment date to make it more convenient for me. As long …
GOD AWFUL COMPANY NEVER DO BUSINESS WITH THESE PEOPLE THEY WILL STEAL YOUR MONEY, TAKE YOUR CAR, AND MAKE YOU PAY FOR ALL OF IT. …
This company takes advantage of people that are faced with the challenges of getting financed for a vehicle. The moment that you are late with a payment, they reposses your vehicle and tack on towing, storage and other fees to where you …
I love how easy it was to get accepted, I got a beautiful car and was shocked at how simple the process was. I was a few days late paying last month and didn’t get a fee and they also let me change the day of when Im required to pay each …
Absolutely poor business practice…I received a message explaining about a fee that I see being taken from my car payment, only to say I owed more. I have been on time with payments, and how they let you know instead of waiting until you get …
ABSOLUTELY TERRIBLE! Do NOT finance with them. They reported me 30 days late during Covid! I was short $100 out of a $1200 monthly payment and they said they wouldn’t report it as late because of Covid and because I was only 8% short. They …
I went through enterprise car sales, and to say the least; I’m already not happy with the service, and I literally had no choice but to go with them. WIth a 25 percent interest rate, it’s simply not worth it going with this company. Their …
This is a horrible finance company. I’ve had my car for 8 months and tried to use my extended warranty but was told that ACA had canceled it after 4 months. I talked to a rude woman at ACA and she said it was due to repossession. She said I …
Had a loan through them after purchasing my car from Carmax. Was one of the few companies that would finance me. High interest rate but i was aware of that when signing the contract. As long as you pay on time and in full you won’t have a …
Quite literally the worst loan company. I had financial hardship and requested surrendering of the vehicle, which was denied. Wasn’t notified of denial so I kept calling back and when I finally spoke with someone they said “we didn’t let …
If I could give a 0 rating I would. Customer service is atrocious. Communication is atrocious. They are not willing to work with you if you have financial hardship and while lie, lie, lie. The moment I can get my account away from them I …
Like others I’ve experienced terrible customer service, lack of proper documentation. They never know where I live even though we told them the correct information at every call (you have to validate your address for any call). Their online …
If I could give them no stars I would ! They are always rude and never help with any issues I have . I’ve had them for 2 years so far and it was the worst decision of my life. I only went with this company because they offered me the …
Unfortunately, I did not choose this company they brought me out my contract with someone else and it’s been a headache ever since. My price went up from what I owned my balance has NOT WENT DOWN only $200.00 from August and I pay $400.00 a …
I recently signed a car loan with American Credit Acceptance. I just want to say thanks to them for taking me on as a client. I don’t have the best credit due to life turbulence after being medically retired from the US Army. I couldn’t get …
Absolutely a poor company to deal with. Reps are very unprofessional and will do NOTHING to help you. Spoke to the dealership about the way I have been treated and was told it was par for the course with them. I will no longer be paying the …
I wish I could give this company no stars. I financed a car from this company and was just recently in a hit and run accident. My car was totalled by my insurance company and upon contacting them to give them an update and other information …
Don’t know where to start except avoid them. My grievances are just like the rest. Unprofessional no knowledgeable customer service team, payment scam with extremely high interest rate. After 20 months of appropriately $400 payment balance …
If I could I would give 0 stars.. THE WORSE CAR COMPANY. I always paid my car on time and had not problems with this company besides one thing.. I refinanced my car with another company in the begging of the year because I was able to get a …
If I could give zero stars I would. This company is terrible. My son and I have been trying to get a copy of our loan agreement and a payoff for 6 months now. They keep saying they will email it and never do. It was a 3 year loan originally …
This place is horrible. Do not get a loan through them otherwise you will end up purchasing the car 3 times the normal cost. They have people working there that doesn’t have any knowledge about simple interest loans. One girl tells me my …
The worst.. the worst.. The absolute worse. If your car note $346 you only paying about $200… the rest goes to interest. Please don’t be late you really messed up they taking over half of your payment and it putting it towards your …
I truly wish I could give this place zero stars. This has been the worst experience of my life. I wish I stayed with Capital One. They took my car while I was in it! Literally hooked my car up to the tow truck. I called about any missed …
If I could give 0 stars, I would. This company is selfish, and please make sure to NEVER do any business with them. My family has been recently affected by hurricane Ian and was late on making a payment. They didn’t have the courtesy to …
One star because I have been dealing with them CORRECTING a payment since NOVEMBER 3, 2022. My dealership apparently sold my contract to them and wouldn’t fix an incorrect payment on their end, so I had to submit my bank statement and …
The biggest joke of a financing company I have ever worked with. There is no grace period. They will charge you excessive “late” charge fees. I had 13 late charges of 21.13 each ALL ON ONE DAY. Took them over two weeks to resolve this from …
I financed a car through them 6 years ago and I had a great experience. The interest rate was through the roof but that was my fault for having poor credit. I paid my payment two weeks before its due date every month and had no issues with …
I am a car dealership, THE WAY AUTO EXPORT, who sells BHPH portfolios to this company and It is the most professional and honest company I have ever done business with, with the exception of some of the agents in how they deal with the clients, that’s something they need to work with but besides that 100% I recommend them.