American Credit Acceptance

This company orders repossession of a vehicle after 68 days! Customer service and "management" are NOT helpful! I have an outside source helping me with missed payments and the payment is being mailed. I have proof of the payment, proof of the mailing, this company STILL will NOT take the order to repossess off. The manage called my proof, my intention and disregarded anything I had to say! The company is putting undue stress on me and the payment IS being sent! NEVER EVER USE THIS COMPANY FOR FINANCING A CAR LOAN! They DO NOT care about the customers!

Great app highly Recommend for everyone to check this app out and Share with friends, and family. 5 stars coming from me..........

I check my payoff quote multiple times and everytime I make a payment. So my payoff quote for the vehicle was 1,030 dollars when it was repoed and when I called them they told me I had to pay the late fees and the 400 dollar towing fee which totaled to 1195. So that 795 was the total I owed from payment and fees. The 400 was to pay the towing fees which equaled 1195. I paid 1195 and now they’re saying that my car is paid off but that I still owe 400 dollars for towing fees????? I called them and they’re telling me that all a sudden I owed 1195 on the car and they put that 1195 I paid towards my car balance??? How did I owe 1195 when my payoff quote was 1030!!!?? If anything I would only 236 dollars since I only owed 1030 on the car loan and I paid 1195 so how do I still owed 400 in fees? Where did the extra 160 something dollars that I paid go? When I call and try to get a detailed breakdown of the charges they hang up on me! Even the “supervisor” hung up on me when I asked for her to please tell me the exact amount I owed to pay off the vehicle before I paid 1195. Why would they even let me get the car from the impound if I never paid the 400 dollar towing fees! They will NOT give me an answer and keep hanging up! This company is TRASHHHHHHH!

Still haven’t received paperwork on vehicle yet believe they have wrong address and was supposed to email me as well still waiting

This is by far the most incompetent finance company we have ever worked with as a dealer. They refuse to contact our customers at all, let alone us. Seems like no one over there knows how to complete basic tasks such as answering phones or returning calls. This leaves us being stuck as the middle man, trying to keep customers happy when they can't contact the company they are supposed to be making payments to. They have also been very rude to the few customers they have bothered to contact. We have accounts that had perfect payment histories for over a year that are now going bad thanks to this company's complete incompetence. Here we are a month after the bulk purchase, and we are having to buy back accounts, NOT because the customer quit paying, but because this joke of a company still hasn't contacted the customer. They are by FAR the worst company we have ever had the displeasure of working with, and we have worked with Mid Atlantic, so that's saying something. They also said the initial closing of our bulk purchase with them would take 3 days, and it took 3 weeks. They refuse to contact us by phone at all, the only communication we receive is by very occasional email, which they don't even read or respond to. I will take a Mid Atlantic 50% deal all day before I ever do business with ACA, also known as Spartan financial again.

Actually very helpful I read some negative reviews but my experience has been different they treat you very nice, people saying the tow your car after a miss patient they actually give you the option to post pone it for like 15 day not that I needed to use it

They will not report to the credit bureau if you go bankrupt they say that bankruptcy law I was told that hot true my lawyer say it up to them to report it but they didn’t have t

Company can be accommodating on occasion. But there isn't much wiggle room. They pretty much treat you like dirt if your credit score is trash. Then again, if your score was good, you wouldn't have to loan from them. They are the bottom of the barrel.

There charging me 28.00% instrest rate and I'm pretty much paying double for the truck I brought. And honestly it says I can pay early and more would go to principal but if you pay early the interest starts again from that day

Was rejected initialy but dealership error. Fixed by dealership but now looks I owe more than was told by the dealer. But I have a 4WD SUV now so it's all good.