I know they are following company policy but this is plain harassment. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. See reviews below to learn more or submit your own review. I looked over my statement after I went to a local dealer to trade my car in for another. Thank God, had a friend call and pay it for me while I was at work and gave him the cash later, so this ** ANTHONY wouldn't have my car repossessed as he kept threatening to do. This was a few weeks after the accident, after I had located a decent law firm to represent me. Well discuss the reasons (both legitimate and fraudulent) that Regional Acceptance Corporation might be on your credit report in more detail in the next section. I purchased a new car on 30 Aug of this year. Phone Number: (877) 722-7299 This is the worst company to get a loan. Now 5 years later I have paid $21,000 into the car and have been told that I still owe $13,000 on my vehicle due to late payments. gray pdf yourself nigel michalak joanna complete polish Does anyone have any ideas on how to get our title? They are horrible! And they took my car after I tried paying for it. I would do business with them again. THREATENING, HARASSMENT, BULLYING, ETC. They will not send me anything or help me. I like the deferment. raphael 2025 2bn obu I cannot get ahead because they are always putting extra fees on my payments and then they call me and harass me all day and all night and threaten to repo my car. I hope that lawyers are reviewing these complaints. A representative was so rude to me, I had never experienced anything like this in my life. I just think this loan company is the worst company you can get a car loan from. Mistakes in your personal information (e.g., an incorrect address), as well as credit accounts that you don't recognize, should usually be disputed with the bureaus.

They will do everything, and say everything to you, and make you feel worthless at the end of the call. I took a car loan out back in 2010. I have called Regional Acceptance several times and tried to speak with a claims person, but all I can get is Customer Service. I would never recommend this damn company at all. Regional Acceptance Corporation can appear on your credit report for a number of reasons, some negative and some harmless.

What they're charging me 5 years later is the price of a new car just because of a few payments late. 3. Our pages feature links to our partners websites. Is there anyone out there that can help my case? While out on disability my company went out of business. If you've had a good payment history they will defer payments or let you make an interest payment. I pray for all of you guys who have hit on hard times and have to still deal with these people. Well start sending you the news you need delivered straight to you. All Rights Reserved. ". If you are late by 1 day give it up, they will call your work number if they have it, and will call you AT LEAST 5 times a day or more until you pay. After paying over 10 grand on this car so far I'd hate to lose it. This type of check can appear as a hard inquiry or as a soft inquiry. So in 6 years I have only paid $10,000 into the principal??? Copyright 2021 Consumers Unified LLC. However when they received the first check they did not apply anything to the payment I am due for July. I could not make a living doing customer service for this company cause a requirement must be, mean, rude, insensitive, hateful and most of all being a bully. The supervisor who's name I don't remember was rude and condescending and even yelled at both me and my wife in numerous conversations. Ripoff company. The percentage was 23% interest. We lost $20,000, our savings and our future. I haven't missed a payment, I have not heard from them at all. If you want to remove Regional Acceptance Corporation from your credit report, write to their address: Address: 1424 East Fire Tower Road Regional Acceptance Corporation can show up on your credit report if you cosigned an auto loan for someone else, like a spouse, child, or friend. Regional Acceptance loves targeting people with low credit scores so that they can charge them these ridiculous high interest rates. Greenville, NC 27858 This has got to be the worst company to do business with in the whole world. Initially they sent a refund for overpayment which was a good thing. Run very fast! They tell me I have a balance of $10,000 that they say I still owe them. What Do I Do If I Think I Have Been a Victim of Identity Theft? Send it to the credit bureaus if you believe they made the mistake (e.g., they confused you with someone with a similar name or Social Security number). Even if I low ball my calculations we have paid $36,000 to Regional Acceptance and out of that only $10,000 was paid into principle and $26,000 into fees and interest! Since my purchase, I was diagnosed with Cancer. My original loan amount was for around $16,000 and 4 year term. I am very unhappy with my experience with Regional Acceptance and usually don't write reviews but I am hoping that this will help someone. I have been with Regional Acceptance Corp for 2 yrs. However, a single inquiry isnt something to worry aboutyour credit score ranges from 300 to 850, which means 5 points in either direction isnt significant. Our truck was totaled since June 17, 2016. nayak prasad This place will not stop calling you, sometimes up to 4 times a day and late and very early. How to remove Regional Acceptance Corporation from my credit report, Hard inquiries will usually lower your credit score by a few points, Score a Better Future Increases FICO Score Understanding. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Send your letter to Regional Acceptance Corporation if you believe the error originated with them (e.g., they reported a late payment that you actually paid on time). If anyone wants to finance your purchase through Regional Acceptance, run! I got so far behind because they refused my money! One of his coworkers was even heard saying we were right and he yelled at her as well. I co-signed for my daughter to get a car through them, but first thing was I was suppose to be the co-signer and I ended up being the borrower. Sign up to receive our free weekly newsletter. Soft Credit Checks: What Are They and Do They Hurt Your Credit Score? I have a rough pay history due to family health issues, my own included. I will never pay this car off. I have filed a complaint with the FTC and Consumer Financial Protection. Regional Acceptance Corporation can appear on your credit report as a hard or soft inquiry or as an auto loan, either belonging to you or someone you cosigned a loan for. Since we have been harassed by Regional Acceptance saying we owe them $536 and to this day we have not received the title to our vehicle. I'm borrowing the money and going to pay it off and say goodbye Regional, never again will I do business with you and I'll warn everyone I can not to do business with BB&T/Regional Acceptance. So we are stuck with this car in hopes that it will still be reliable over the next few years. This profile has not been claimed by the company. I had to return to work even though My health was not stable. I was in need of a family car in 2012. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. I immediately contacted Regional Acceptance Corp, and explained to them exactly what had happened. Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. DO NOT AND I REPEAT DO NOT GET A LOAN WITH THIS COMPANY. 3 months after my company went out of business, my disability stopped. I would suggest looking over the statements you get. Regional Acceptance is by far the worst finance company that I have tried to work with. Regional Acceptance is looking real bad now and I called and told them so and they asked for a payment that was all. Yes they call - that's to be expected. POOR Customer service. 21st regional dymocks I found out the hard way. Which they call more than 8 times a day. Dont want to wait? The interest rates are insane. A review would mean a lot to us and takes less than 20 seconds. I'm behind and they are working with me. And I asked for a refinance and they said they can't do that. I have owned my vehicle for 7 months and have never missed a payment until today when I called in to make what thought was my March payment that turned out to be the 2nd half of February's payment. Get a real job and education ANTHONY instead of trying to make everyone else's life miserable! None whatsoever. We dont accept compensation in exchange for reviews or articles, and we dont directly sell any products or services ourselves.

In May of 2009 a cashier's check was sent to Regional Acceptance Corp. If you recognize a credit account but it's listed with the wrong balance or incorrect status (e.g., if you settled the debt and it's still listed as unpaid), the error may have originated with your data furnisher. My insurance company had waited over a month to get the payoff amount from them. We challenge inaccurate negative items with the bureaus and your creditors. This is a complete rip-off. They call me daily even though I have asked them to STOP calling me daily. Since this accident, they are trying to say that my account is 45 days past due. I have never spoken with anyone in the customer service field as rude as these people at Regional Acceptance the last 3 times I have called in to make a simple payment. Treated me like a piece of crap and refused my money and had no sympathy that my son had a terminal illness. I am so happy that Wells Fargo picked up my new car loan. The links to our partners are always clearly marked. Interest rates crazy, totaled care two months ago. I am a first time buyer, student, and considered "self-employed". State Farm paid off most of the balance of the car, in March. Word Words straight out of her hateful mouth. I'm sorry other people have had problems but it just hasn't been the case with me. They got my car as a trade in so now we have nothing and borderline homeless. No, seeing Regional Acceptance Corporation on your credit report doesnt mean youve been scammedRegional Acceptance Corporation is a legitimate company. Carefully monitor your credit reports over the next few months for further signs of fraudulent activity. It is now 2016 and I still owe 15,500 on the car ad my 09 car is only 4500 bluebook! I can leave a message for a claims person to call me back, but when you try to leave a message when you press a number to get an extension it does not work. Customer service center are the most unprofessional people I have ever spoke to. I wouldn't say they have harassed us or been nasty. It just had not showed in their system yet. I hope I never have a problem with this company as of this date. IN 2014, I put a $200 down payment on a 2013 vehicle that was priced at $12000 (2500 below book). I would like to trade in our vehicle but we can't because we are way upside down. They said we still owed $20,000. I was shocked and angry. For more information about reviews on ConsumerAffairs.com please visit our

I would walk to work on nails before financing another car with this immoral company! If you want to delete Regional Acceptance Corporation from your credit report, then try one of the following approaches. Is Regional Acceptance Corporation a scam? If you see Regional Acceptance Corporation on your credit report but youre sure you didnt apply for an auto loan issued by Regional Acceptance Corporation, it could be a sign of identity theft. The purchase price was $18,000. State Farm has paid the majority of the claim off only leaving a balance of $1700. If you have an auto loan from Regional Acceptance Corporation on your credit report, then its contributing to your credit score by influencing the following factors: To learn how your auto loan will affect your credit score, familiarize yourself with the factors that make up your FICO score and VantageScore. However, be wary of scammers. Would I recommend Regional Acceptance to anyone!!!

Regional Acceptance Corporation is an auto loan financing company, and they may appear on your credit report as a collection account. I have been trying to contact the local office, still cannot talk with a human. I will admit that we got behind a time or two, but always worked those out. Report the identity theft to the Federal Trade Commission (FTC). It feels like I am being robbed. I have been a couple days late on a Payment and NO ONE called to harass me. Every time I call Regional Acceptance they say they need paperwork from State Farm. I purchased my 2007 Honda Accord from Crown Honda in October of 2011 with a 5 year term auto loan. Call (888) 859-0871 now. If you think that Regional Acceptance Corporation is on your credit report because your identity has been stolen, file a report with the Federal Trade Commission. I warn any reading this, stay away from Regional Acceptance. Why is it that State Farm says they have faxed over the paperwork on two different occasions, yet Regional Acceptance still does not have it.

I have both State Farm and Regional Acceptance on the phone at the same time and the person from Regional Acceptance keeps saying "I am sorry, but we have not received anything from State Farm." I did not have the best credit rating at the time but after 5 years making payments and yes I did fall behind but noticed after about 4 years the balance was never changing. Either way, its usually a good idea to send copies of the letter to both parties (the bureaus and Regional Acceptance Corporation). If you see Regional Acceptance Corporation on your credit report, you may have unpaid debteither from a loan youve taken out from RAC or a loan theyve purchased thats been sent to collections. But the way they treat a person is disgusting! Well never try to trick you into clicking anything youre not genuinely interested in. Go to, Contact any of the three main credit bureaus (. PDF On the other hand, missed payments might cause a drop in your credit score. The interest rate is kind of high (17.95%) but that was to be expected with poor credit. So I just wanted to let people know to check with this site before they go car loan shopping. I have asked several times to see my loan paperwork after being told that I was being financed for 72 months instead of 48 months but have refused to give it to me to date. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. You can get Regional Acceptance Corporation off your credit report by sending a dispute letter to the credit bureaus and/or Regional Acceptance Corporation, or by working with a credit repair company. They're dedicated to guiding you toward the right path on your financial journey. Must be nice working somewhere you can just tell people off because of a misunderstanding instead of trying to be helpful. ALSO, they took a car payment from my account when the car was totaled and the payoff letter from my insurance company was already acknowledged and I had already signed over the title and the car was completely paid off! Every time I call State Farm they have sent what they need, yet they still don't have it. Needed a reliable vehicle. I am in the same boat as everyone else, not having the best of credit and looking to get a new vehicle. Thanks! I have had a manager named HOWARD & SHANIQUA yell at me as if I owe them money personally. How Long Do Closed Accounts Stay on My Credit Report?. 11 If they ask for payment upfront, hire a different company. I still owe $10,000.00 on this car paying over $350/per month. I've been as much as 2 months behind and was never threatened to have my car taken. Nobody can speak English, I paid on my car for 1.5 years and I owed more than my original loan. 6 7. Consider working with a professional. I was off work, on leave without pay, due to the health issues I explained earlier in this review. It was the other driver's fault, especially on the traffic collision report. I am going to tell every dealership, and anyone that I know to never use Regional. This is ridiculous. It took many hours until they found a car loan place that would help me. I have even given 4 extra payments of 700 each. Ever since they call me 3-5 times a day to set up a payment with them even though I have no income at the present time. If you suspect that someones trying to fraudulently open accounts in your name, take these steps: You may also want to freeze your credit (or get a credit lock, which is very similar). Once youve filed your dispute, the credit bureau will be required to investigate and correct any inaccurate information on your report, usually within 3045 days. If youre certain that theres activity on your credit report under Regional Acceptance Corporation that shouldnt be there, its possible youve been the victim of identity theft. If so I would like to join!?! They are by far the worst company to finance with ever! Thankfully, soft inquiries wont affect your credit score. Learn more about how we make money. 4 If the primary borrower responsibly manages their payments, then being their cosigner can improve your credit score by helping you establish a positive payment history.

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Often they're the result of the bureau confusing you for someone else. Is anyone still proceeding with a lawsuit toward Regional Acceptance. How Much Does Applying for Credit Really Hurt Your Credit Score? Call us now. ANTHONY is his name, says "nope you have to pay right now or don't be surprised if you walk out of work and don't have a car." Hard inquiries will usually lower your credit score by a few points, but the effect wont last more than a year, and the inquiry will fall off your credit report entirely after two years. Poor service, but worse, poor treatment of fellow human beings. They will give anyone a car loan when you are in a bind and charge you high fees and interest and tell you, "Well you agreed to the terms." When you cosign a loan, youre taking responsibility for paying off the loan if the primary borrower stops making payments. 10. I am will to drive 3 hours to the company here in North Carolina just to get this issue resolved this week.

I know they are following company policy but this is plain harassment. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. See reviews below to learn more or submit your own review. I looked over my statement after I went to a local dealer to trade my car in for another. Thank God, had a friend call and pay it for me while I was at work and gave him the cash later, so this ** ANTHONY wouldn't have my car repossessed as he kept threatening to do. This was a few weeks after the accident, after I had located a decent law firm to represent me. Well discuss the reasons (both legitimate and fraudulent) that Regional Acceptance Corporation might be on your credit report in more detail in the next section. I purchased a new car on 30 Aug of this year. Phone Number: (877) 722-7299 This is the worst company to get a loan. Now 5 years later I have paid $21,000 into the car and have been told that I still owe $13,000 on my vehicle due to late payments. gray pdf yourself nigel michalak joanna complete polish Does anyone have any ideas on how to get our title? They are horrible! And they took my car after I tried paying for it. I would do business with them again. THREATENING, HARASSMENT, BULLYING, ETC. They will not send me anything or help me. I like the deferment. raphael 2025 2bn obu I cannot get ahead because they are always putting extra fees on my payments and then they call me and harass me all day and all night and threaten to repo my car. I hope that lawyers are reviewing these complaints. A representative was so rude to me, I had never experienced anything like this in my life. I just think this loan company is the worst company you can get a car loan from. Mistakes in your personal information (e.g., an incorrect address), as well as credit accounts that you don't recognize, should usually be disputed with the bureaus.

They will do everything, and say everything to you, and make you feel worthless at the end of the call. I took a car loan out back in 2010. I have called Regional Acceptance several times and tried to speak with a claims person, but all I can get is Customer Service. I would never recommend this damn company at all. Regional Acceptance Corporation can appear on your credit report for a number of reasons, some negative and some harmless.

What they're charging me 5 years later is the price of a new car just because of a few payments late. 3. Our pages feature links to our partners websites. Is there anyone out there that can help my case? While out on disability my company went out of business. If you've had a good payment history they will defer payments or let you make an interest payment. I pray for all of you guys who have hit on hard times and have to still deal with these people. Well start sending you the news you need delivered straight to you. All Rights Reserved. ". If you are late by 1 day give it up, they will call your work number if they have it, and will call you AT LEAST 5 times a day or more until you pay. After paying over 10 grand on this car so far I'd hate to lose it. This type of check can appear as a hard inquiry or as a soft inquiry. So in 6 years I have only paid $10,000 into the principal??? Copyright 2021 Consumers Unified LLC. However when they received the first check they did not apply anything to the payment I am due for July. I could not make a living doing customer service for this company cause a requirement must be, mean, rude, insensitive, hateful and most of all being a bully. The supervisor who's name I don't remember was rude and condescending and even yelled at both me and my wife in numerous conversations. Ripoff company. The percentage was 23% interest. We lost $20,000, our savings and our future. I haven't missed a payment, I have not heard from them at all. If you want to remove Regional Acceptance Corporation from your credit report, write to their address: Address: 1424 East Fire Tower Road Regional Acceptance Corporation can show up on your credit report if you cosigned an auto loan for someone else, like a spouse, child, or friend. Regional Acceptance loves targeting people with low credit scores so that they can charge them these ridiculous high interest rates. Greenville, NC 27858 This has got to be the worst company to do business with in the whole world. Initially they sent a refund for overpayment which was a good thing. Run very fast! They tell me I have a balance of $10,000 that they say I still owe them. What Do I Do If I Think I Have Been a Victim of Identity Theft? Send it to the credit bureaus if you believe they made the mistake (e.g., they confused you with someone with a similar name or Social Security number). Even if I low ball my calculations we have paid $36,000 to Regional Acceptance and out of that only $10,000 was paid into principle and $26,000 into fees and interest! Since my purchase, I was diagnosed with Cancer. My original loan amount was for around $16,000 and 4 year term. I am very unhappy with my experience with Regional Acceptance and usually don't write reviews but I am hoping that this will help someone. I have been with Regional Acceptance Corp for 2 yrs. However, a single inquiry isnt something to worry aboutyour credit score ranges from 300 to 850, which means 5 points in either direction isnt significant. Our truck was totaled since June 17, 2016. nayak prasad This place will not stop calling you, sometimes up to 4 times a day and late and very early. How to remove Regional Acceptance Corporation from my credit report, Hard inquiries will usually lower your credit score by a few points, Score a Better Future Increases FICO Score Understanding. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Send your letter to Regional Acceptance Corporation if you believe the error originated with them (e.g., they reported a late payment that you actually paid on time). If anyone wants to finance your purchase through Regional Acceptance, run! I got so far behind because they refused my money! One of his coworkers was even heard saying we were right and he yelled at her as well. I co-signed for my daughter to get a car through them, but first thing was I was suppose to be the co-signer and I ended up being the borrower. Sign up to receive our free weekly newsletter. Soft Credit Checks: What Are They and Do They Hurt Your Credit Score? I have a rough pay history due to family health issues, my own included. I will never pay this car off. I have filed a complaint with the FTC and Consumer Financial Protection. Regional Acceptance Corporation can appear on your credit report as a hard or soft inquiry or as an auto loan, either belonging to you or someone you cosigned a loan for. Since we have been harassed by Regional Acceptance saying we owe them $536 and to this day we have not received the title to our vehicle. I'm borrowing the money and going to pay it off and say goodbye Regional, never again will I do business with you and I'll warn everyone I can not to do business with BB&T/Regional Acceptance. So we are stuck with this car in hopes that it will still be reliable over the next few years. This profile has not been claimed by the company. I had to return to work even though My health was not stable. I was in need of a family car in 2012. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. I immediately contacted Regional Acceptance Corp, and explained to them exactly what had happened. Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. DO NOT AND I REPEAT DO NOT GET A LOAN WITH THIS COMPANY. 3 months after my company went out of business, my disability stopped. I would suggest looking over the statements you get. Regional Acceptance is by far the worst finance company that I have tried to work with. Regional Acceptance is looking real bad now and I called and told them so and they asked for a payment that was all. Yes they call - that's to be expected. POOR Customer service. 21st regional dymocks I found out the hard way. Which they call more than 8 times a day. Dont want to wait? The interest rates are insane. A review would mean a lot to us and takes less than 20 seconds. I'm behind and they are working with me. And I asked for a refinance and they said they can't do that. I have owned my vehicle for 7 months and have never missed a payment until today when I called in to make what thought was my March payment that turned out to be the 2nd half of February's payment. Get a real job and education ANTHONY instead of trying to make everyone else's life miserable! None whatsoever. We dont accept compensation in exchange for reviews or articles, and we dont directly sell any products or services ourselves.

In May of 2009 a cashier's check was sent to Regional Acceptance Corp. If you recognize a credit account but it's listed with the wrong balance or incorrect status (e.g., if you settled the debt and it's still listed as unpaid), the error may have originated with your data furnisher. My insurance company had waited over a month to get the payoff amount from them. We challenge inaccurate negative items with the bureaus and your creditors. This is a complete rip-off. They call me daily even though I have asked them to STOP calling me daily. Since this accident, they are trying to say that my account is 45 days past due. I have never spoken with anyone in the customer service field as rude as these people at Regional Acceptance the last 3 times I have called in to make a simple payment. Treated me like a piece of crap and refused my money and had no sympathy that my son had a terminal illness. I am so happy that Wells Fargo picked up my new car loan. The links to our partners are always clearly marked. Interest rates crazy, totaled care two months ago. I am a first time buyer, student, and considered "self-employed". State Farm paid off most of the balance of the car, in March. Word Words straight out of her hateful mouth. I'm sorry other people have had problems but it just hasn't been the case with me. They got my car as a trade in so now we have nothing and borderline homeless. No, seeing Regional Acceptance Corporation on your credit report doesnt mean youve been scammedRegional Acceptance Corporation is a legitimate company. Carefully monitor your credit reports over the next few months for further signs of fraudulent activity. It is now 2016 and I still owe 15,500 on the car ad my 09 car is only 4500 bluebook! I can leave a message for a claims person to call me back, but when you try to leave a message when you press a number to get an extension it does not work. Customer service center are the most unprofessional people I have ever spoke to. I wouldn't say they have harassed us or been nasty. It just had not showed in their system yet. I hope I never have a problem with this company as of this date. IN 2014, I put a $200 down payment on a 2013 vehicle that was priced at $12000 (2500 below book). I would like to trade in our vehicle but we can't because we are way upside down. They said we still owed $20,000. I was shocked and angry. For more information about reviews on ConsumerAffairs.com please visit our

I would walk to work on nails before financing another car with this immoral company! If you want to delete Regional Acceptance Corporation from your credit report, then try one of the following approaches. Is Regional Acceptance Corporation a scam? If you see Regional Acceptance Corporation on your credit report but youre sure you didnt apply for an auto loan issued by Regional Acceptance Corporation, it could be a sign of identity theft. The purchase price was $18,000. State Farm has paid the majority of the claim off only leaving a balance of $1700. If you have an auto loan from Regional Acceptance Corporation on your credit report, then its contributing to your credit score by influencing the following factors: To learn how your auto loan will affect your credit score, familiarize yourself with the factors that make up your FICO score and VantageScore. However, be wary of scammers. Would I recommend Regional Acceptance to anyone!!!

Regional Acceptance Corporation is an auto loan financing company, and they may appear on your credit report as a collection account. I have been trying to contact the local office, still cannot talk with a human. I will admit that we got behind a time or two, but always worked those out. Report the identity theft to the Federal Trade Commission (FTC). It feels like I am being robbed. I have been a couple days late on a Payment and NO ONE called to harass me. Every time I call Regional Acceptance they say they need paperwork from State Farm. I purchased my 2007 Honda Accord from Crown Honda in October of 2011 with a 5 year term auto loan. Call (888) 859-0871 now. If you think that Regional Acceptance Corporation is on your credit report because your identity has been stolen, file a report with the Federal Trade Commission. I warn any reading this, stay away from Regional Acceptance. Why is it that State Farm says they have faxed over the paperwork on two different occasions, yet Regional Acceptance still does not have it.

I have both State Farm and Regional Acceptance on the phone at the same time and the person from Regional Acceptance keeps saying "I am sorry, but we have not received anything from State Farm." I did not have the best credit rating at the time but after 5 years making payments and yes I did fall behind but noticed after about 4 years the balance was never changing. Either way, its usually a good idea to send copies of the letter to both parties (the bureaus and Regional Acceptance Corporation). If you see Regional Acceptance Corporation on your credit report, you may have unpaid debteither from a loan youve taken out from RAC or a loan theyve purchased thats been sent to collections. But the way they treat a person is disgusting! Well never try to trick you into clicking anything youre not genuinely interested in. Go to, Contact any of the three main credit bureaus (. PDF On the other hand, missed payments might cause a drop in your credit score. The interest rate is kind of high (17.95%) but that was to be expected with poor credit. So I just wanted to let people know to check with this site before they go car loan shopping. I have asked several times to see my loan paperwork after being told that I was being financed for 72 months instead of 48 months but have refused to give it to me to date. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. You can get Regional Acceptance Corporation off your credit report by sending a dispute letter to the credit bureaus and/or Regional Acceptance Corporation, or by working with a credit repair company. They're dedicated to guiding you toward the right path on your financial journey. Must be nice working somewhere you can just tell people off because of a misunderstanding instead of trying to be helpful. ALSO, they took a car payment from my account when the car was totaled and the payoff letter from my insurance company was already acknowledged and I had already signed over the title and the car was completely paid off! Every time I call State Farm they have sent what they need, yet they still don't have it. Needed a reliable vehicle. I am in the same boat as everyone else, not having the best of credit and looking to get a new vehicle. Thanks! I have had a manager named HOWARD & SHANIQUA yell at me as if I owe them money personally. How Long Do Closed Accounts Stay on My Credit Report?. 11 If they ask for payment upfront, hire a different company. I still owe $10,000.00 on this car paying over $350/per month. I've been as much as 2 months behind and was never threatened to have my car taken. Nobody can speak English, I paid on my car for 1.5 years and I owed more than my original loan. 6 7. Consider working with a professional. I was off work, on leave without pay, due to the health issues I explained earlier in this review. It was the other driver's fault, especially on the traffic collision report. I am going to tell every dealership, and anyone that I know to never use Regional. This is ridiculous. It took many hours until they found a car loan place that would help me. I have even given 4 extra payments of 700 each. Ever since they call me 3-5 times a day to set up a payment with them even though I have no income at the present time. If you suspect that someones trying to fraudulently open accounts in your name, take these steps: You may also want to freeze your credit (or get a credit lock, which is very similar). Once youve filed your dispute, the credit bureau will be required to investigate and correct any inaccurate information on your report, usually within 3045 days. If youre certain that theres activity on your credit report under Regional Acceptance Corporation that shouldnt be there, its possible youve been the victim of identity theft. If so I would like to join!?! They are by far the worst company to finance with ever! Thankfully, soft inquiries wont affect your credit score. Learn more about how we make money. 4 If the primary borrower responsibly manages their payments, then being their cosigner can improve your credit score by helping you establish a positive payment history.