Regional Acceptance
Reviews and Complaints
The Bronx, New York
Making me full amount for a vehicle that I no longer have in my possession
- - The car was not picked up after surrender.
- - It remains at the pickup location.
- - Representative said it was never picked up and I could have the car.
I volunteer the gave my car back to the bank. I gave them the location to where to pick the car up.
Regional Acceptance never picked up the car. Its been almost or over a year and they still trying to make me pay for the full amount of the vehicle Yay, And the car still remains at the location that I gave them to pick up the vehicle I contact regional Acceptance today and asked them if they picked up the car and if it was sold how much is the remaining that I am responsible for the representative that they never picked up the car and they dont want it that I could have the car cause I still owe on the car
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Verified Reviewer |
Tempe, Arizona
Payment plan
- - Vanity listened and treated me as important, offering every avenue of support.
- - We resolved everything and are back on track.
Vanity was the Best. She treated me like I was of the most importance. She made sure to listen to my explanation of my situation and she helped provide every avenue of support she could to help us through our hardship.
We resolved everything and we are back on track.
- Is there compassion and consideration for there customer
- But that is an easy fix
- Interest is a little high
Preferred solution: Regional acceptance provided me with the best customer service and support with out judgement. I'm greatful for there willingness to work with me to get my account back in good standing.
User's recommendation: Very understanding
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Verified ReviewerComplaint
Our account was paid in full as part of a chapter 13 which discharged 8/23/2022. But you are incorrectly showing a past due balance on our credit report that needs to be removed immediately.
I have attempted to reach you using multiple phone #s but have been unsucessful and continue to be referred to other #s.
Preferred solution: History removed from all credit reports and your records corrected to reflect paid in full.
How Bankruptcy Affects Car Loans When you file for bankruptcy, your personal obligation to pay a car loan can be eliminated, meaning the lender cannot sue you or garnish your wages for the debt (11 U.S.C. §§ 727, 1328).
However, because a car loan is a secured debt, the lender holds a lien on the vehicle.
This lien survives the bankruptcy discharge unless you take action to address it. Simply filing for bankruptcy does not automatically remove the lien or guarantee you can keep the car.
Pasco, Washington
Terrible people
They have scammed me out of over 40k to pay for my 2015 Ford explorer. I can't believe they can sleep at night thinking it's ok to do women or anyone like that...and if I don't pay this now they would of got over 60k..
User's recommendation: Never use them
Perhaps YOU should have paid YOUR bills on time so you would qualify for low APR bank financing! Same old story...still another sorry SERIAL deadbeat loser crying and whining about the consequences THEY brought upon themselves!
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Verified ReviewerAdvocate for better explanation of rates to first time loans
I got to understand the way the interest rates were set up. The Regional Acceptance rep that spoke to me was great.
- Great customer service
- Allowing car dealers to set up high risk loans
Preferred solution: Aware to others seeking loans
User's recommendation: Have the loan brokers explain thoroughly APR
Yea they stealing from people
Baltimore, Maryland
Bad customer service
Paid on a loan for 4 years already paid like 23000 dollars tried to trade the car in found out I still owe 25000 dollars on the car just because I got sick and had to set a few payments behind the interest is ridiculous this should not happen to no one especially if they get sick
User's recommendation: Don’t use them
Same here, had my vehicle 7 years and once ask for payment history they said I only paid $7000 towards car and have $18,000 let it don’t add up. For 2 years straight nothing went towards principal. Thinking about just giving it up
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Verified ReviewerPayment
I know my payment was supposed to come out Friday but they messed my check up and I didnt get paid so yall can take payment out again Friday Im so sorry
New York, New York
I hate this company
I would give them nothing if I could. My husband and I got a car we sent it back to many problems.
We have to pay the deficiency. Ok no problem. I call and call and call. No answer I call customer service and got screamed at.
All I asked is if she could look at the account to see if the payment came through since I can't get ahold of anyone. She said that she can't and won't help me cause I won't listen to her. I tried explaining that the charge of department is not answering their phones. They send letters in the mail threatening to sue us.
We made the payment that they said would be good. And since they don't answer I left a note with it. With our numbers and that we can pay so much a month on it.
All I wanted to know was if it the payment came through. I swear if I get sued I'm gonna lose my *** I have documents of everything too us trying to pay and getting ignored.Dont use them they don't care about anyone but themselves.
Right, sure. The lady was SCREAMING at you.
Nothing more than the usual deadbeat and their exaggeration! You have a voluntary repo on your record. You still owe for the loan minus what they sell the car for.
Enjoy the lawsuit, judgement and wage garnishment! You serial deadbeats never learn, do you???
Gap insurance
Cant get to a live person to talk to . Ridiculous. My car was involved in a bad accident was totaled and can not reach a live person about the gap insurance I paid for
- Over 5000
- Zero customer service
Preferred solution: My gap insurance to pay balance for my total loss
User's recommendation: Don’t deal with this company
If you did not have full coverage to pay a large portion of your loan, then you have no GAP coverage. GAP only pays what your full coverage provider does not pay.
Springfield, Missouri
Customer service
I get phone calls from a robocaller asking for me to call the number, when I do call I am not able to speak to a representative because its after hours even though there is a number provided under the speak to a representative tab with hours until 12AM ET.
If you are receiving multiple calls, you must be delinquent frequently. Time to review your due date, amount of your payment, as well as your daily interest rate.
The daily interest rate can do more harm than a late fee. Do not carry over bad payment habits from other loans.
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Verified ReviewerWill not give title
my van was paid off and they would not send me my title, My van needs new reg but will have to do it because they are stii the lien holder even though I OWN IT.I guess i will have to file a report with my state and tell them they refuse to give me my title.This the worst company to work with.Every time i call i get oass around to call after call.No one has a answer.
Preferred solution: Deliver product or service ordered
Region Acceptance fired multiple agents with years of invaluable experience. Therefore, they have many agents without experience or knowledge to treat its clients. Presently it sucks to be a client with RAC.
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Verified ReviewerGreat customer service. Friendly staff and helpful.
My question was answered and well explained. Regional acceptance is reliable and always ready to help.
Preferred solution: No
What was your inquiry and the response given?
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Verified ReviewerHad found out that the finance company did not retrieve my car when it got sent back to the dealership
As of now the big star Honda that took over Ron Carter they don't know where my car is at but I wouldn't been inquired to check on it if it wasn't for me getting tall tickets in Fort Bend County and Harris County with my license plate that was on the Hyundai is running through tolls the last toll ticket I got my license plate was on a brand new Ford truck and that's from the dealership whoever's doing that I went to the license plate tag office Friday to get a printout of my registration showing that the car still owned by me but for some reason another the dealership is trying to get my title is something fishy going on and I want to get my car back
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Verified ReviewerI just found out recently that Regional Acceptance did not pick up my car and now I can find it cuz somebody took it off the Ron Carter parking lot they charged it off 7 months ago and I left messages
I cannot get in touch with nobody if I can get a email stating that I still own the car and regional acceptance is still the lane holder the police will not help issue it as a stolen vehicle so I can't find it until I get paperwork from them and
Preferred solution: Trying to get a letter stating that I am still legal owner of the car and the finance company did not pick it up so I can have the police to issue a APB out for a stolen vehicle
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Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerVery Dissatisfied with customer service!!!!!
I contacted customer 4-7-2022 to let them know the car loan was going to be paid off. Regional Acceptance received payment on 4-13 - ****.
I contacted customer about the overpayment amount on 4-25-2022. I was told a check will be mailed to me for overpayment.
Never received check, no one could help me to understand the reason why, I was just getting the run around.
On 6-1-2022, It took Customer rep G14433, Becky to resolve my issue, researching prior not and consulting with upper management. Hopefully I'll receive my check soon!
I ask if I could be compensated for the delay, the Rep said unfortunately no, but if my account was pass due for payment I would be charge a late fee with interest, but since they owe me I'm not compensated for the delay or lack of customer service not resolving this issue before now.
Attached is a letter from collection showing I discontined the ACH automatic draft payment.
Sincerley,
Valerie L Johnson
- Easy online payment process
Preferred solution: I would like to be credited the amount of interest charged, if my payment was late or delinquent. I feel this would ba resonable compensation for the delay.
User's recommendation: Ask to speak to a manager, so you won't have to write a review like this one.
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Unfortunately for you it doesn’t work that way. The bank CAN repossess but is not obligated to. As long as they have not repossessed the car, it is still legally yours and you still owe the payments.
Not entirely correct. If a voluntary surrender is requested, then the bank must send an agent to recover the vehicle.
However, if the vehicle has been totaled and has no value: consequently, the lender is not required to recover a junk collateral.
The buyer is required to have full insurance coverage. Thus, the buyer will be responsible for repayment of the loan.