Complaint Review: Credit Acceptance

When I made my first payment to Credit Acceptance I made an error in writing the check, I inadvertently wrote it for an amount $0.10 less than it should have been. I immediately received a call from a young lady expressing displeasure to the fact that I had not lived up to my agreement and she was demanding that I pay the 10 cents that was in arrears and in addition she demanded that I also pay a late penalty of $15.05. I was appalled, I honestly couldn't believe that any company would stoop that low for just 10 cents. I expressed that to the caller and she then told me that she would put in the paperwork to have them dismiss their claim for the 10 cents and the late penalty.

I didn't hear a thing from them for about 8 months then I began receiving collection calls from India demanding that I pay late charges. I had no idea what they were talking about since I had set up my payments so that Credit Acceptance deducted the payment from my account automatically every month, which they did. I explained this to the callers every time they called, none of them could explain just what the late charges were for. None of them would even listen or try to understand what I was saying. They just kept demanding that I pay the late fees.

Finally I demanded that they have someone from the company call me, someone right here in Michigan. Of course they refused to do that. They hounded me all day long, every day, every holiday, every Sunday and most of the days there were more than 5 calls, on some of the days there would be 10+ calls. Eventually someone from the Southfield office called me and I went over this evolution with her (a gal named Susan). She researched what was going on then told me that I was in arrears $225+ late fees stemming from the 10 cent error that I had made on that first payment 2 years ago. Again, I can't believe what I'm hearing.

Now Credit Acceptance is expecting me to pay them $225+ for a mistake of 10 cents. I instantly told her NFW. My car is completely paid for yet Credit Acceptance refuses to release their lien on the title until I pay them the $225 and to this day I still receive several calls from India every day demanding that I pay those late fees. Those calls start coming in at around 8:30 every morning then continue on all day long. I know of no business or individual that would stoop that low over 10 cents. Credit Acceptance is truly a company that should be put out of business, and put out of business FAST. I am completely dumbfounded that they would even consider doing something like this. If there is any attorney that would consider pursuing charges against Credit Acceptance I would like to hear from them

Lug nut
Portage, Michigan
U.S.A.