Complaint Review: Credit Acceptance Corporation - Southfield Michigan

In June 2009, Credit Acceptance repo'd my SUV.  I knew I was behind in payments, but I never received written demand of what they wanted in the way of payment to work out the problem.  Instead, I woke up one Sunday morning to find the vehicle no longer in the driveway.  When I was finally contacted by someone from the Redemption Dept., I was told the car had been towed some 50 miles away and I had to make an appointment to retrieve my property.  I was given a dollar amount to be sent by Western Union to redeem the vehicle, which I did.  Once I sent them the money, it took them two more days to confirm receipt so I could make an appointment to go retrieve the SUV.  At that point in time it was an "Oh, by the way, you owe an additional $690.00 that you will need to pay inorder to be current."  Needless to say, I thought the redemption cost included the back payments and was more than a little shocked and demanded a payment history. 

One week later the calls started coming and I explained to the woman that I had entered into a payment arrangement to catch up the back amount and she 'made a note' on my record, and then informed me that I was in default of the loan because they only have two phone numbers for me, and only two references -- I need to give them 3. I told her I don't have 3 to give. 

When I brought up the payment history request, I was told they sent one.  TO THE WRONG ADDRESS!!  These people were notified in November 08 when I moved, in July 09 they knew where to pick up the vehicle, but in September they only have my old address?  It took 2 requests and one very nasty demand to finally receive the report.

The next day a phone call and no record of my conversation the day before other than a repeat that I am in default under the loan for lack of phone contacts.  Finally, a week later some female called me and wanted the whole sordid story about why the car was repossessed and I told her to read the file.  She then became rude and told me I had to retell it to her.  I refused saying I had the right to some dignity (apparently not).  I asked for her name and she gave me a first name but refused to leave her last name saying she didn't have to. 

I finally lost it the next night when someone called me, yet again, and without letting him get started, I demanded a supervisor stating I was tired of their harassing, abusive behavior.  He tried moving me to voicemail and was told I don't talk to voice mail.  When a supervisor finally came on the line, he told me that they take the accusation of harassment and abuse very serious -- it doesn't happen on his watch -- I told him he needed to be out on the floor more often or have the decency to not lie to me.  I told him the arrangement I had with the Redemption Department and he told me there was no such arrangement and that I was still $277.00 behind and needed to pay it immediately -- he would even take the payment on the phone.  I refused.  The calls stopped for two weeks, but  when I began writing "per agreement w/Redemption Dept. in the memo section of my checks they started again.  I am averaging 4 calls per day with 2 voicemails on my cell phone -- which they were told is my home number!  They have even sent text messages!  I continue to send them additional money each month and they continue to call.

The best part is when I did finally get the payment history (8 weeks later), I find that they show the loan is $5,000 more than I financed!  After 2 years, I still owe what I financed with these jerks!!  I have written them to inquire about this and have yet to receive an answer.  If there is any way of avoiding these people in the future, do so, I know I will.