Regional Acceptance - Class action lawsuit against rac

Mar 09, 2012
review #303401

i for one am getting tired of the threatening phone calls from Regional acceptance

how can a company call you at 1030 at night and talk smack to you over the phone and extorting money its time to fight back and hurt them most where it counts there pockets and free cars

These people are unethical,brutal and just lousy

what finance company is allowed to finance people but can't refinance when the economy is bad to help customers out so payments can be made on time?

I don't believe for one minute they can't they don't care to

and I am sure some *** will comment with pay your bill on time and to that person I have this to say in the state the economy is now makes things hard or something happens where one can get side track a forget about payments example = moving,new born child hospitalization a death in the family.

I think a class action lawsuit will get the point across to regional acceptance that we will not stand for this anymore

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chris56303

Mar 25

I'd join a class action lawsuit against rac

0 0 Reply
Megan

Dec 11, 2012

Actually, in Rita's defense, RAC is also an abbreviation for Rac Acceptance which is a finance company for furniture. And they too make harassing calls late at night, they are also unethical,brutal and just lousy. I found this forum by searching the furniture RAC. So why be so rude to Rita & accuse her of lying about the accounts she has, because simply you haven't a clue?! Sounds like you are no better then these RAC companies!

0 0 Reply
Me

Mar 28, 2013

Because she is stirring the pot in a forum that is advocating suing a company that she knows nothing about. And for you to say that she is talking about a "different company, but this one is probably just as bad" shows you dont have a clue what you are talking about. :roll

0 0 Reply
Me

Sep 28, 2012

@Rita. They finance cars NOT furniture. You are in here putting down a company and you have no idea what they even do so there is no way you have an "account" with them. Troll...

1 0 Reply
jualee

Aug 30, 2012

is there a class action lawsuit against credit acceptance right now ?

0 0 Reply
rita

Aug 22, 2012

can someone share with me how to contact a lawyer or lawyers that will sue RAC AS A CLASS SUIT. ALL OF YOU WHO NEED TO SUE, LET'S GET ON THIS TOGETHER. ENOUGH IS ENOUGH!!! MY EMAIL IS glo5637@yahoo.com

0 0 Reply
rita

Aug 22, 2012

RAC HARRASED ME , WHEN I WAS ONLY ONE DAY LATE. THREATHENED TO PICK UP FURNITURE, CALLED EERYDAY. I EVEN MADE PAYMENT ARRANGEMENTS TO PAY IN THE SAME MONTH. NEVER WAS I MORE THAN 5 DAYS LATE. THEY HARRASSED ME SO MUCH AND CALLED 10 TIMES A DAY UNTIL I RELOCATED, TOOK THE FURNITYURE AND MADE PAYMENTS BY MAIL.. THEY ARE LOSERS AND NEED TO BE SUED, SHUT DOWN. THEY ARE ARROGANT, IGNORANT, AND BROKE. AT LEAST THATS HOW THEY DO BUSINESS. LIKE BROKE DOWN DOGS...

0 0 Reply
Me

Mar 28, 2013

Yeah, Regional is an auto finance company. They dont finance furniture so you might want to take your lies elsewhere.

1 0 Reply
Someone

Jul 26, 2012

I have a loan with them, and as long as you keep in contact with them, if your having trouble making a payment, they will work with you. They are NOT allowed to tell anyone (employer or references) anything in regards to your account. It is illegal. Send them a certified letter, telling them they are not allowed to contact your references or employer, and they will stop. But in all honesty they have been very fair with me and were willing to work out payment arrangements.

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I do field calls for them

Jul 22, 2012

when people finance through RAC and can't make their payments, I get more work to do. SO please, keep up the smack talking I get work out of it!!! When you sign financial paperwork, read the fine print. The company pretty much owns you and you job once you sign. We will come to your job, we will come to your home or your mother's home, and photograph EVERYTHING. I was in the bad economy, but these people are feeding my kids and taking care of me. I support them and what they do 100% see you all in court! losers.

0 1 Reply
Krysta

Jan 18, 2013 Dallas, Texas

LOL LOL LOL LOL LOL LOL LOL LOL LOL Losers?? WOW ! How mature are we?? Calling names! I just wanted to that you for that laugh!! Karma is a B! Funny thing is its my middle name! This company does have a lot of law suits against them, so the next time you want to stick up for a company figure out the 411! No company owns anyone sweet heart. No matter what paperwork you sign. You must be really ***! This goes back to a persons rights! Do your research before bashing customers! and FYI rule is customer is always right! Regional is notorious for threats and employees are very unprofessional. You just proved that! Keep up the good work!!

0 0 Reply
TM

Jun 08, 2012

I am sure with all the comments that were made here are from people who do not have to deal with the harassment of Regional or do not have a account with them, or probably don't have a job at all and want to make fun of the real hard working Americans. they just want to talk smack because they think they are better then you. But hey it is a free country and freedom of speach.
But that does not give them the right to call a Employer and tell them that they did not pay for their vehicle's monthly payment and make them look small. It also does not give them the right call someone under the age of 18 and make all kinds of threats, then afterwards wants to know if the daughter is single and would like to meet her. Most of all they do not have to call you 40 times a day or for people who can't relate ever hour on the hour. I say fuckem, they want the car here it is, I told them repeatly that the vehicle can be picked up, I offered to take it to a dealership of their choice and still nothing. So I am going to drive the *** out of this car until someone get's off their lazy *** and get the car picked up. I had to file a chapter 7 so it is not a big deal to me, because they are already listed in with filing and in about 2 more months I will be free and clear. So call me what you want I really do nto give a ***. The heartless bastards that make *** comments should look at themselves before they put someone down. besides I could care *** less because you do not know me or my
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0 0 Reply
Life Happens

Apr 25, 2012

By law collectors CANNOT call you after 9pm in the time zone which you reside. They are also limited to one contact per day. i.e. leaving a message with a household member, leaving a voicemail or speaking with the customer. This company will call you 5 times within a 5 minute time period. They will even change their agreed payment arrangements. They are bullies!

1 0 Reply
realone

Apr 24, 2012

My brother have a loan through RAC he was paying his loan faithfully for 3 or 4 years then he ran into some trouble his girlfriend died he lost his job and he could'nt pay his car note for about 5 months but he stayed in contact with them letting them know what was going on then he got a job he was excited to get back to paying his car note but when he did they want him to pay so much that he can't pay the note I think that's unfair.

1 0 Reply
John

Apr 18, 2012

I agree. The economy has nothing to do with you making your car payment. When signing a 5-6 year car loan, you know that a lot can happen over just a year, much less 6.

1 0 Reply
Sharky Huntsville AL

Apr 18, 2012

Regional Finance Acceptance is what I call a "low class lender." And by low class, I am talking strictly about Regional.
"Pay your bill on time and they won't bother you." Reminds me of a funny quote about Gov't wiretapping.."if you're not doing anything wrong, why are you concerned?" It's just not that simple folks. Dumbing down this gentleman's issue doesnt solve any of the problems that many people face as a result of small finance companies breaking the law. They SHOULD NOT call you past 8pm. They SHOULD NOT visit your home or workplace. (Send them a fax, delivery confirmation USPS letter, as hand deliver a letter saying that they may not do these things. Folks, we aren't borrowing money from the mafia here. Just because you owe them money, doesn't mean that they can just do whatever they want to you. Can you folks really imagine a world where no Fair Debt Collection act exists???
And to the "just pay your bill on time" folks: If you in fact, paid your bills on time, you wouldn't have a loan with Regional Acceptance Finance Corp.- so don't throw stones If you live in a glass house...
People in general face hard times.. That's life. A company such as regional who knows that they are dealing with a high risk credit group are lending money to people wIth current or past money problems. Creditors know that they are " competing " against each other to collect. I have heard about and have actually had personal experience with these low class
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0 0 Reply
Sharky / Huntsville AL

Apr 18, 2012

Regional Finance Acceptance is what I call a "low class lender." And by low class, I am talking strictly about Regional.
"Pay your bill on time and they won't bother you." Reminds me of a funny quote about Gov't wiretapping.."if you're not doing anything wrong, why are you concerned?" It's just not that simple folks. Dumbing down this gentleman's issue doesnt solve any of the problems that many people face as a result of small finance companies breaking the law. They SHOULD NOT call you past 8pm. They SHOULD NOT visit your home or workplace. (Send them a fax, delivery confirmation USPS letter, as hand deliver a letter saying that they may not do these things. Folks, we aren't borrowing money from the mafia here. Just because you owe them money, doesn't mean that they can just do whatever they want to you. Can you folks really imagine a world where no Fair Debt Collection act exists???
And to the "just pay your bill on time" folks: If you in fact, paid your bills on time, you wouldn't have a loan with Regional Acceptance Finance Corp.- so don't throw stones If you live in a glass house...
People in general face hard times.. That's life. A company such as regional who knows that they are dealing with a high risk credit group are lending money to people wIth current or past money problems. Creditors know that they are " competing " against each other to collect. I have heard about and have actually had personal experience with these low class
... Show more

0 0 Reply
current customer

Apr 14, 2012

Honestly I don't think you have any case whatsoever. Maybe it's just the branch where you live, because I've never had any major problems with them. They work with me when they can and tell me straight up when they can't. Get over it and make your payments.

0 0 Reply
Someone

Mar 24, 2012

RAC does not refinance loans because the APR (interest rate) is based on the term, year and mileage on the vehicle you are financing. The newer the vehicle the lower the rate. But you can alway go refinance with another lender.

0 0 Reply

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