Credit Acceptance Lies lies and more lies, not to mention harrassment Southfield Michigan

first off, "loisbvance", you are incorrect about the 10-day grace period.  I currently have an auto loan with your company and my paperwork clearly states THERE IS NO GRACE PERIOD.  Here's a tip for you--when calling someone else a liar, be sure not to lie yourself.  You'd be amazed at how well that would work...

Second, your company is the absolute worst I have EVER seen or dealt with.  They will not accept our payments if paid more than one day early, yet when we pay the payment as soon as allowed to, we get a dozen phone calls over the next several days demanding that we tell them why we havent paid yet!  Your company got our latest payment two days ago, and today you called my phone ELEVEN TIMES.  It got so bad by the 6th call that when I demanded that this nonsense stop, the guy on the phone said "I dont know what youre talking about, this is the first time I called you today", and he had the same name, same voice, and same accent EVERY TIME HE CALLED.  I have had a loan with your company for over 3 years and NEVER missed a payment, NOT ONCE...and I am so sick and tired of being treated like some sort of criminal.  Even the dealership that sold us this truck told me not to use you guys ever again...I checked with them about trading it in as our vehicle needs have changed, and the sales manager talked to me about using different banks, since we've never missed a single payment, always paid on time, and he says that CACC is going to rip me off if I go back through them. 

I'm sure that some of your customers dont pay their bills, but you have not had one ounce of trouble from me...and that is still how you see fit to treat a loyal paying customer? 

First of all the statement that you are making in incorrect. Credit Acceptance allows all of our consumers a (10)day grace period. Consumers with GPS devises are actually given more time. If a payment does not post & it comes back NSF the bank does not tell us why because that would be third party disclosure, also, we have numerous military accounts and just because your husband is in the military does not mean the bank will not provide a statement ASAP to prove funds have actually been paid. This seems like a stall tactic because the funds possibly were not available and it is easier to blame the fiance company because it would require you(the consumer to do all of the legwork). It is not the finance(CAC's) responsibility to track your payment, it is yours. And if I made a payment to anyone, you can best believe that I know the amount, date time & transaction code to expedite the investigation by the bank. I don't think that paying late is an excuse for blaming the bank/finance company/CAC.

First of all the statement that you are making in incorrect. Credit Acceptance allows all of our consumers a (10)day grace period. Consumers with GPS devises are actually given more time. If a payment does not post & it comes back NSF the bank does not tell us why because that would be third party disclosure, also, we have numerous military accounts and just because your husband is in the military does not mean the bank will not provide a statement ASAP to prove funds have actually been paid. This seems like a stall tactic because the funds possibly were not available and it is easier to blame the fiance company because it would require you(the consumer to do all of the legwork). It is not the finance(CAC's) responsibility to track your payment, it is yours. And if I made a payment to anyone, you can best believe that I know the amount, date time & transaction code to expedite the investigation by the bank. I don't think that paying late is an excuse for blaming the bank/finance company/CAC.

First of all the statement that you are making in incorrect. Credit Acceptance allows all of our consumers a (10)day grace period. Consumers with GPS devises are actually given more time. If a payment does not post & it comes back NSF the bank does not tell us why because that would be third party disclosure, also, we have numerous military accounts and just because your husband is in the military does not mean the bank will not provide a statement ASAP to prove funds have actually been paid. This seems like a stall tactic because the funds possibly were not available and it is easier to blame the fiance company because it would require you(the consumer to do all of the legwork). It is not the finance(CAC's) responsibility to track your payment, it is yours. And if I made a payment to anyone, you can best believe that I know the amount, date time & transaction code to expedite the investigation by the bank. I don't think that paying late is an excuse for blaming the bank/finance company/CAC.

First of all the statement that you are making in incorrect. Credit Acceptance allows all of our consumers a (10)day grace period. Consumers with GPS devises are actually given more time. If a payment does not post & it comes back NSF the bank does not tell us why because that would be third party disclosure, also, we have numerous military accounts and just because your husband is in the military does not mean the bank will not provide a statement ASAP to prove funds have actually been paid. This seems like a stall tactic because the funds possibly were not available and it is easier to blame the fiance company because it would require you(the consumer to do all of the legwork). It is not the finance(CAC's) responsibility to track your payment, it is yours. And if I made a payment to anyone, you can best believe that I know the amount, date time & transaction code to expedite the investigation by the bank. I don't think that paying late is an excuse for blaming the bank/finance company/CAC.