Regional Acceptance
Regional Acceptance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Regional Acceptance has a 1.6 star rating from 102 reviews with about 50% saying they'd likely recommend; overall sentiment is mostly dissatisfied and many cite high price levels.
Key Takeaways for Future Customers
- Read Regional Acceptance reviews closely and expect difficulty reaching a live representative.
- Be prepared for disputes over payoffs, billing, and refunds and document payments carefully.
Negative Feedback / Risk Areas
- Widespread customer service complaints about automated systems, long hold times, and unreturned calls.
- Allegations of predatory loan structures, unexplained charges, payoff and title delays.
- Problems with refunds, duplicate payments, and ACH/auto-draft processing.
Positive Feedback
Some customers report helpful, friendly agents and an easy online payment process when issues are resolved.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Regional Acceptance has a 1.6 star rating from 102 reviews with about 50% saying they'd likely recommend; overall sentiment is mostly dissatisfied and many cite high price levels.
Key Takeaways for Future Customers
- Read Regional Acceptance reviews closely and expect difficulty reaching a live representative.
- Be prepared for disputes over payoffs, billing, and refunds and document payments carefully.
Negative Feedback / Risk Areas
- Widespread customer service complaints about automated systems, long hold times, and unreturned calls.
- Allegations of predatory loan structures, unexplained charges, payoff and title delays.
- Problems with refunds, duplicate payments, and ACH/auto-draft processing.
Positive Feedback
Some customers report helpful, friendly agents and an easy online payment process when issues are resolved.
Media from reviews
Nampa, Idaho
Was overcharged
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 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.
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
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
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
- - 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
- - 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???
Deland, Florida
They don't know how to properly process a refund from a duplicate payment
- - December had a duplicate payment; I asked for a refund.
- - They say I owe for Dec or Jan; I want a real person to call.
In December I made a duplicate payment and requested a refund of one payment. They refunded one payment and now say I owe December payment or January one, I don't really know because I also made a January payment.
Not sure how I owe when I paid December and January both. I called them a couple weeks ago and they were supposed to get it corrected. In stead the deducted another payment and then refunded it back to back. I called again today and they still say I owe a month's payment.
I was sent to a supervisor and got disconnected. I called back and got disconnected AGAIN trying to speak to whomever it is that thinks I owe them a past payment.
I am over this crap! If they want to get my account cleared up someone will have to CALL ME, not an automated message asking me to call them, but A PERSON NEEDS TO CALL ME!!!
User's recommendation: Don't make duplicate payments on purpose or accident.
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 ReviewerDuplicate Payment-Refund process
- - Accidental duplicate payment was made via the app on 12/15.
- - On 12/16 a rep said an email would cancel one payment, but nothing was done.
I'm VERY irritated with the process of trying to cancel a duplicate payment. I made a accidental duplicate payment via your app on Friday 12/15.
I called a customer rep on 12/16 who said she sent an email to her lead to cancel one of the two payments and come to find out when I called moments ago, NOTHING HAD BEEN DONE WITH MY CALL!!! How can I trust that it is actually going to be refunded?
I have a sneaky feeling that if I don't call every day that nothing will get refunded. In fact, i think i'll dispute it with my bank as well to be sure I get my money back, you bunch of thieves!!
User's recommendation: Don't use their app to make a payment.. it can be confusing
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 |
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
- Interest is a little high
- But that is an easy fix
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
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
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.
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 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.
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 684 out of 5729 in Financial Services category
USA
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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!
You did what every grifter does. Sign up for a 36% loan with a long term then complain afterwards.
You figured you’d take the money and complain later. So here’s the thing Mr. MBA, go get that low interest loan that exists AND you qualify for and pay the initial one off.
Face it. You cared not one bit as long as you got that money.
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Money withdrawal