- Report: #940696
Complaint Review: Credit Acceptance Corp - Leesburg Internet
Reported By:
canditone -
Pissedville, Florida, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Credit Acceptance Corp
who knows Leesburg, Internet, United States of America
Phone:
Web:
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Business Rating:
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Tell us has your experience with this business or person been good?
Credit Acceptance Corp A**holes Late payments and phone calls Leesburg, Internet
Yes when I am late on a payment these people call right away. That's cool, I understand. However, what I can't stand is that they call 10 times a day everyday...This amount of calls in 1 day should be illegal. Again, yes I understand I owe them and I am late but this is BULLS**T. From a legal standpoint, they are allowed to call between 8am & 9pm everyday. Now, this could also be considered harassment according to the FTC.
"What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm; publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies); use obscene or profane language; or repeatedly use the phone to annoy someone."
Sounds like we would have to prove they were doing it to annoy us...good luck with that one.
I have my cel set up to automatically send ALL their numbers they call me from to voice mail, then I just delete them as soon as I hear them.
I make my payment EVERY month, just gets there a few days late...I'd rather get the calls from them then send my check early and get a possible NSF fee.
"What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm; publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies); use obscene or profane language; or repeatedly use the phone to annoy someone."
Sounds like we would have to prove they were doing it to annoy us...good luck with that one.
I have my cel set up to automatically send ALL their numbers they call me from to voice mail, then I just delete them as soon as I hear them.
I make my payment EVERY month, just gets there a few days late...I'd rather get the calls from them then send my check early and get a possible NSF fee.
1 Updates & Rebuttals
Jim
Orlando,Florida,
USA
Of Course...
#2Consumer Comment
Thu, September 13, 2012
Of course they are going to call you...they want their money, I think you understand that. Can you pay on line one or before the due date? If your payday does not jive with the due date, is it possible you can find the money to pay one month ahead and from that point on, you can have some breathing room. However, there's a much more important factor looming out there. Every time you are late, you risk having extra interest generated which you will need to pay eventually. Check the contract to see for sure. All the points you mention which are covered by the Fair Debt and Collections Act DO NOT apply to them. Only to parties collecting for an original creditor.
