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November 2024 by T. Hobbs
1. Went to carmax
2. Was financed through ACA with a sky high interest rate
3. Two years later the car was repoed 1 hour after I made the payment (no lie)
4. Got the car back
5. Car was totaled (someone hit me)
6. Was told that my account would still accrue interest and I was told a different amount than the insurance company’s initial payoff amount.
6. The insurance company sent the check
7. The check still has yet to be placed on my account
8. The account is still accruing interest
9. So I will owe more than what I was originally quoted
10. ACA is not a good company if you go to Carmax do not let them finance with this company.
Update I received a letter for the approved payment from the insurance company13k and I still owe this company
#Update 2024 Lord this has been a rollercoaster. I contacted ACA two years ago asking for a settlement. The lady I spoke with said that I would receive an email if I’m approved. I never received that email. Two years later I called again for a settlement agreement spoke with another lady she said I was approved two years ago… but again I never received an email and now in order for me to be done with this company I have to pay more money than the original offer that I asked for. But again I didn’t receive an email or letter stating I was originally approved!! Crazy huh! Craziest part is that fees are still generating on a total loss account that ACA should’ve closed 2 years ago when the insurance company called them and got a payoff quote…that if I the consumer called and had gotten the same quote and sent the payoff amount ACA would’ve closed the account. They are keeping the account open to gain profit from the fees.
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November 2024 by Daniel Young
They worst company ever I wouldn't recommend
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November 2024 by Lance R
This place is the closest you’ll find to a LEGAL Loan Shark. This company is absolutely horrible and they design the loans they give people so that they can’t afford their payment and they get their car repossessed. Which then ACA ends up with a at least a few thousand dollars and the car back, unfortunately this company takes advantage of a lot of lower income individuals. Fortunately for myself I was able to refinance my loan with another company, I personally would rather walk everywhere than ever use their company again. I would give 0/5 stars if it was possible.
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November 2024 by Cathie sawyer
Complete scam basically. Paid off the car in full after a couple months having it. Months later there’s a 4,000 dollar payment on a 7,000 car. Won’t give a solid reason to what happened. Customer service SUCKS!!!
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November 2024 by Rock Salem
I see a lot of people here gaved them 1 star reviews and it seems this company have been pulling out fraud on their clients and stealing their cars
Let's gather up all of us and file a class action against them get compensation for what they did and maybe get the judge to shutdown this company for good I'm in a contact with some investigators who investigating about the background of this company and their CEO
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November 2024 by Tony Bell
Do not ever get your car financed with this company the dealership in Evansville overcharge me three times the book value of my car and then they slap on interest which is way over the top I'm now going to pay $25,000 for a $3,500 vehicle if you go to Credit Acceptance I guarantee you you will be ripped off the legislators need to do something about these companies they are ripping off the American people very bad
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November 2024 by Adam Reed
Leaving 4 stars only because the interest rate is insane;
In July 2024 I needed a truck that fit my needs, I purchased a 2021 Silverado 1500 and THEY WERE the only company that gave me a chance, paid on time every month from July to October without issue, did it kill me to pay the loan with a insane interest rate? 100% but I’m also thankful that a company took a chance on me until I refinanced with my local bank.
Pay your bills on time, cry about it for a little while and then refinance, the company gave me no issues, never called to collect money and left me alone. Truly have to thank the company for giving me a chance.
They didn’t even give me a hard time when I refinanced, simple and fast transaction and I couldn’t be happier!
Thanks again!
-Adam
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October 2024 by Liz Foster
If I could give ZERO stars I would. The WORST customer service I have ever encountered. They bought mine and my husbands car loan from our original company and have been harassing us for months saying we missed a payment that we had documentation of paying to the company they bought. Every time we called no one had answers. One time someone mentioned how we made a payment “13 days ago” but we are “13 days behind” that’s how much they didn’t know their ass from their elbow. Multiple times we submitted receipts and screenshots of proof we had made the payment they were claiming we missed. We were being told for MONTHS we would receive a call back regarding the issue and NOT ONCE did we ever hear back. Now finally after threatening to pursue legal options they’ve set everything straight except 12hrs ago we received yet another message that we are behind but then called in this morning to find out they’ve accepted our proof and updated the account. AWFUL AWFUL AWFUL CUSTOMER SERVICE AND OVERALL FUNCTIONALITY OF A BUSINESS. Be careful with this company.
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October 2024 by Andrew Burbach
I press 1 for English every time and get some person that doesn't speak English and they suck with helping you with trying to make payments over the phone.
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October 2024 by Barry Davis
Thank God for all the reviews I decided NOT to buy anything this company is tied to! CAN YOU SAY"THEY ARE HEARTLESS AND THEREFORE "SCAMMERS:"
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October 2024 by Sa’Mij Chancellor
?The worst company ever? please listen to me and don’t do it‼️‼️ everyone who works at the company have Nasty attitudes u can call for the simplest thing they still have an attitude and tries to rush u off the phone… they issue late fees like parking tickets everything has a fee with them even making a payment this the worst mistake i have made in my entire life letting them finance car for me‼️‼️
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October 2024 by A Griffin
This is by far the worst company to ever get a car from. Car has been totaled for more than 3 months. They claim their email is backed up and can’t receive anything. Finally got that straight. Now the insurance company sent the check and it’s still showing the entire balance while still charging me and adding late fees. They have my phone number where it routes to a voicemail. I literally had to call from another number. I feel as they are trying to get more money by holding out to where they are charging late fees and more monthly payments. Run from this company.
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October 2024 by Melvin Rivera
Horrible place they never answer the phone and always say they are busy they just steal your money
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October 2024 by pulley1972
Thanks I had no issues and paid off my car and got a refund card from the company saying I over paid so thanks seem like a lot issues people are having with the company is from their own doing they write the loans they not the dealership so most of everyone issue will be with the dealership thanks again ACA
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October 2024 by MARGARET WASHINGTON
Recently got my car loan through them & all I can say is I dread speaking to them I really do! Their accents and the way that they talk to you they don’t care about people AT ALL! as soon as I am able to change my car loan to my bank I surly am! How about I made 4 $633.00 payments & she’s says out of ALL of those payments only $83.00 went to the car! Due to the interest! I hate them man I’m calling my bank ASAP to take over my loan! You will NEVER pay your car off dealing with them like NEVER!
