Regional Acceptance Reviews
Regional Acceptance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.7 star rating from 105 reviews; consumers mostly dissatisfied. 50% would likely recommend Regional Acceptance.
Key Takeaways for Future Customers
Regional Acceptance reviews highlight common customer complaints about service and billing, though some representatives help with payment arrangements and the online payment process is easy. Expect high price level and to seek resolution for payoff or refund issues.
Negative Feedback / Risk Areas
- Poor customer service and long hold times, frequent automated system complaints.
- Refund and duplicate payment processing problems and unclear payoff amounts.
- Communication gaps between employees, title and repossession handling concerns.
Positive Feedback
Several reviewers praise individual reps who provided clear answers, helped with payment plans, and made payments easy via the online system.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.7 star rating from 105 reviews; consumers mostly dissatisfied. 50% would likely recommend Regional Acceptance.
Key Takeaways for Future Customers
Regional Acceptance reviews highlight common customer complaints about service and billing, though some representatives help with payment arrangements and the online payment process is easy. Expect high price level and to seek resolution for payoff or refund issues.
Negative Feedback / Risk Areas
- Poor customer service and long hold times, frequent automated system complaints.
- Refund and duplicate payment processing problems and unclear payoff amounts.
- Communication gaps between employees, title and repossession handling concerns.
Positive Feedback
Several reviewers praise individual reps who provided clear answers, helped with payment plans, and made payments easy via the online system.
Media from reviews
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 Reviewer |
San Jose, California
To talk about my account
The reviewer tried to contact the company before posting this review.
They guy was very understanding thank God last time they told me theirs nothing they can do for me but this man was great thanks very much and God bless..
- Approved me right away
- Need a hardship program
Preferred solution: Just understanding and maybe hardship program..
User's recommendation: Just have to find the right person to relate to I guess so if your not getting anywhere call me back later or ask to speak to their superior thanks very much bless..
Alliance, Ohio
Pay off
The reviewer tried to contact the company before posting this review.
I'm really just venting as they have said they don't refinance to lower your payment. We are so upended we can't do anything. Shame on them for targeting old people.
- We did get a car
- Refuse to help lower the payment
- Now that our credit is better
- Interest was way to high
Preferred solution: Price reduction
User's recommendation: Stay away from these folks
Duluth, Georgia
Payment arrangements
The customer service representative whenever all of my options and did an amazing job on answering my questions.
User's recommendation: Yes
Atlanta, Georgia
I want to know can I make my Car payments directly through my bank account without a debit card?
The reviewer tried to contact the company before posting this review.
I wanted to know, could I make my car payments directly from my checking account without using a credit card or debit card? It was answered promptly. Thank you very much.
- Great paying system
- Payments n interest r so high
Preferred solution: I’ve gotten it taken care of now.
User's recommendation: None
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 ReviewerTo see if you guys can help me whit a car finance
The reviewer tried to contact the company before posting this review.
There is no communication between their employees. One told me one thing, and another one told a totally different thing, so they never help me with my car finance, even though we just finished paying off our last vehicle and never got a late payment. Bad company.
Preferred solution: Apology
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 ReviewerThe worst financial institution got approved for a truck four days later they email dealership declining right during holidays very inconsiderate
- - I bought a vehicle at a Ford dealership and was approved.
- - Four days later they declined approval by email; I wouldn't recommend this institution.
I bought a vehicle at the Ford dealership was approved. Four days later they declined the approval by sending an email to the dealership just before the holidays. Very sad how people treat people I wouldnt recommend this institution to nobody.
User's recommendation: This institution is nothing but liars. I would highly recommend not dealing with them for financing a vehicle.
Nampa, Idaho
Was overcharged
The reviewer tried to contact the company before posting this review.
Need to talk with a human being. Your automated system is terrible.
Will never recommend to anyone. This company is TERRIBLE!
User's recommendation: Don’t do business with this company.
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 ReviewerPregunta relacionada a la unidad
The reviewer tried to contact the company before posting this review.
Es muy dificil comunicarme con la oficina, quiero información pero no me contestan, sale todo el tiempo la grabadora
Predatory lending
- - Paid over $14k on a $28,790 loan; balance flat.
- - Most payments cover interest/fees; late fees.
- - CFPB complaint filed May 7, 2025; acknowledged.
Despite paying over $14,000 on a $28,790 loan, my balance remains virtually unchanged. The loan is
structured so that most payments go toward interest and fees.
Ive been charged dozens of late fees and
unexplained charges while making regular payments.
This feels predatory and unfair under federal and
Texas law.
I've also experienced unexplained reversals and extensions that increase the cost and duration of my loan.
This may violate fair lending or disclosure laws.
I have filed a formal complaint with the CFPB (submitted May 7, 2025), and Regional Acceptance has
acknowledged it but has not yet resolved the issue. I am seeking legal advice before engaging furtheR
User's recommendation: Steer clear
HILARIOUS! Another serial deadbeat who doesn't know what they are talking about!
In ALL loans of this type, interest is paid first. Any time YOU are late, YOU cause more interest to be generated along with late fees.
Why not become a stand up comedian. You are HILARIOUS!
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 ReviewerCan not get refund check deposited
- - Vehicle bought with husband as co-applicant; divorced; he filed bankruptcy.
- - Refund in both names; banks need both signatures; distance prevents deposit.
Crickets, nothing… but that seems to be the norm with this company. They don’t respond to emails, or voicemails, rarely will you actually speak to a live person when calling customer service.
Tried to contact for refinance and get him off the loan, but they only offered to refinance for the full price at the time of purchase, which negates all previous payments and starts the loan all over again, making me pay that money all over again. I opted not to refinance and instead just keep paying the loan. Now, I've paid the vehicle off, and they issued a refund, but in both our names, which makes it useless. The bank won't deposit the check because he's not on my bank account, and I live in Texas while he lives in Missouri, so we can't just meet at the bank and deposit.
Both my bank and his want us both at the branch to deposit the check, which is not feasible, again rendering the refund useless.
The finance company is aware of this and will not offer any additional assistance other than this dead check. This needs to be resolved immediately.
- Can never talk to anyone that have offered solutions
Preferred solution: Full refund
User's recommendation: Do not use this company.. RUNNNN
Refund checks will always be issued to the names on the account responsible for payment. You don’t have a loss.
You have a situation with a solution you can’t/won’t do. You can be unhappy about it, but that’s not a loss.
Awful Loan Tatics and Never able to reach to NOT RESOLVE
- - Deferment not applied; loan past due since 2017.
- - Recovery won’t provide payoff amount; calls ignored; may contact attorney general.
I call them EVERYDAY! Has this loan over since 2017 payment never goes down.I am suppose to have a deferment for 3 months after making a payment and then to find out later they did not do the deferement.
Now my account is past due to the point of recovery because of the months being further past due. Talk to someone in recovery to provide me with the amount I need to get it out and bring it to current and they were suppose to call me back (the supervisor) It has been over days again and still have not received a call. It is already bad that they have been robbing me all these years but to try me with paying the whole amount of the loan they have lost their mind!!! There is no way.
If they do not resolve my issue I will be getting an attorney. They ignore your calls on purpose to act like they do not get an answer. Enough is enough and they are NOT going to destroy me the way I see that are doing others. I will be reaching out to the attorney general ASAP !!!
How do these people get a way with this!!! DO NOT GO TO THEM THEY ARE APART OF BBT AND TRUIST WHICH I SHOULD HAVE KNOWN BETTER BECAUSE BB&T HAD A LAWSUIT YEARS AGO WITH PEOPLE MONEY!!!
- High interest payment dont go down call and dont say nothing
Preferred solution: I will like my account out of recovery. My deferement approved as promise so that I can get my account back on track. It was not my fault that I was promise this.
User's recommendation: DO NOT GO TO THEM THEY ARE APART OF BBT AND TRUIST WHICH I SHOULD HAVE KNOWN BETTER BECAUSE BB&T HAD A LAWSUIT YEARS AGO WITH PEOPLE MONEY!!!!
Easy solution....don't generate more interest and late fees by paying late but in very typical serial deadbeat fashion, its always somebody else's fault.
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 ReviewerCustomer service
- - Customer says service was great for 3 years, but today the agent was rude and hung up, did not share her name, and says she should be fired.
Usually the customer service is great! Been a customer for 3 years and never had a problem but today the lady was on her high horse being very rude and then said oh he'll no, and HUNG UP ON ME!
SHE NEEDS TO BE FIRED. of course she did not give Me her name
Speak to rep
The reviewer tried to contact the company before posting this review.
- - I requested a payoff letter.
- - On April 11 I was told my April payment extension wasn't approved.
- - On April 7 I was told the extension was approved.
I requested a pay- off letter. Also was told today, April 11th, that my payment extension for April,wasnt approved But when I called on the 7th of April the agent told me it was approved. Disappointing.
- Great customer service
Mcdonough, Georgia
Car payment
They have been nothing but helpful to me throughout this whole process. From car payment to oil changes good service! Im happy!
User's recommendation: Nallely Chevrolet is an excellent Car Dealership.
Columbia, South Carolina
Car payment
Just wanted to make sure everything was updated and correct. The service was pleasing and I would recommend you to others.Thanks.
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 ReviewerCompliant tire repair for a car and having to have it fixed all the time welcome take this *** and get *** waiting
The reviewer tried to contact the company before posting this review.
- - Car bought for $5,000 with $2,000 down; $3,000 balance, $194/mo for 3 years (~$10k); car in yard with plates and insurance off, awaiting pickup.
welcome take this *** and get *** waiting for mestay away
I purchased the car for $5,000 I put $2,000 down that left for balance of $3,000 when I received my payment book it stated I had three years at 194 a month that comes out to $10,000 some dollars your car shooting out in my yard I've taken the license plates off and turn those in I've taken the insurance off his sitting out in the yard waiting for you to come pick it up account number in 1054*-***
- Quit over charging people for these cars
User's recommendation: Stay away
Funny, Funny, Funny. Guess what Einstein, interest is added to every loan and if you don't like your APR, then you shouldn't have screwed over your previous creditors and DESTROYING YOUR CREDIT.
Here you go again.
It's another VOLUNTARY REPO. You sorry SERIAL deadbeats just don't have the brain power, do you???
About
Regional Acceptance Corporation was started in Greenville, North Carolina, in 1978 by two local businessmen. With its headquarters in Greenville, NC, Regional Acceptance Corporation continues to function as an independent BB&T subsidiary. The company continues to grow. There are branches in more than 20 US states.At that time, the company financed the purchase of used automobiles for consumers who could not afford other types of consumer credits. The company did business with many outstanding automobile dealerships. It also provided direct loans to its clients. In September, 1996, BB&T Corporation acquired RAC.
Regional Acceptance is ranked 670 out of 5887 in Financial Services category
USA
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Did you READ the documentation BEFORE you agreed to the terms? Did you READ where it says the purchase is upon approval by the lender?
Did you READ where you may have been deceived into paying FAKE FEES?
I'll bet the answer to all these questions was a great big "NO"! Very, very impressive!