ComplaintsforSaber Acceptance Company, LLC

• Initial Complaint

  01/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased a car from Regal in July 2021. I had automatic payments so my payments were always on time. The transmission went out so for 3 months I didn't even have the car in my possession while they were fixing the issue, but of course I still made on time payments. Getting the car back after the repair was a whole ordeal in itself. When putting the car back together they forgot to actually tighten the bolts that went from my axle to my wheel. I right away noticed that something was wrong so I took the car to be looked at by a mechanic myself and that's when they found the bolts actually just sitting inside my wheel. I have pictures and statements from the other mechanic to prove it. I could've been seriously injured. Fast forward to November. My young niece passed away unexpectedly. The family was not financially prepared so I did what I had to and I paid for the funeral. By doing that I was having a hard time staying afloat but honored every payment I said I was going to make. Christmas was horrible due to finances and I did what I could. My account manager, Jennifer, is rude and hateful. Telling me they're not there to finance my Christmas (what Christmas) when I spoke with her about being 2 weeks late on one biweekly payment. It's hard to communicate with someone who has treated you that way. It is now January and I missed my biweekly 01/08 payment and my biweekly 01/20 payment. My account manager left a message last week but she was so hateful to me last time and I knew I was paying today I didn't respond to her. This late afternoon I tried to pay both payments on line and it said my account was suspended. I figured I'd have to wait and call them in the morning. Well a few hours later I went to go to the store and my car was gone. I am appalled by how this business was done. If I was paying monthly then I've only missed January and January is not even over. I've had the car a year and a half. Not one problem with payments until Nov and only missed this month.

  Business response

  02/28/2023

  Business Response /* (1000, 5, 2023/01/30) */ We are in the process of letting the customer redeem if pays up to date.

• Initial Complaint

  12/15/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In Aug of 2019 I ran into financial problems and my car was repossessed. It has been almost 3 yrs since this happened and I have never received anything from them. It is still being reported as an open account with 33 missed payments with the them being listed as 120 days old. This is not right and I am requesting that this be resolved and removed off my credit report from all three bureau. This has caused a very big hardship and would like this resolved as quickly as it can be. The amount the are reporting is 15,611.

  Business response

  02/28/2023

  Business Response /* (1000, 5, 2022/12/16) */ We have several ******* ******** in our system. Please give me a call at XXX-XXX-XXXX and I can locate your account. Please note all credit files do stay active for 84 months from the date of the last transaction. We also only report to Trans Union and Equifax currently. Thank Scott M**** Consumer Response /* (3000, 7, 2022/12/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is a very Vague answer and I am not clear on the 84 month from date of last transaction because it appears that they said my last transaction in Nov 2022. Does not make since. I haven't had any transactions since 2019. I will make a call but this just not seem reasonable or acceptable Business Response /* (4000, 9, 2022/12/21) */ so if your repossesion date was 2019 it would be 7 years before that data would fall off credit reporting.

• Initial Complaint

  10/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Today is 10-27-2022 and saber repossessed my mother's car. The car is in both of our names and she had made monthly paymrnts on time or no later than a day late. The ladies at the location is very nasty and very rude. Whenever you make a payment she applies the payment to whatever account she wants until you call and correct her. I called back to speak with a supervisor and the supervisor told her that she didn't want to speak with me. My grandmother passed last week and my mother has had an extremely hard time and was literally paying her car note today on lunch break. But 30 minutes before she could they repossessed her car. The whole company at this location is rude and very unprofessional. Now that they have the car back I want to see what I can do to have this sent to collections and never deal with them again.

  Business response

  01/10/2023

  Business Response /* (1000, 5, 2022/10/28) */ The terms of the contract were broken. We will not call again but we do have the right to pursue any deficiency balances. Consumer Response /* (3000, 7, 2022/10/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) We never got a letter before the repossession. But I will have my lawyer contact the company to handle the rest.

• Initial Complaint

  10/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've had my car since February 2022 and I've made all of my payments on time besides the last month and a half recently due to unstable working conditions. I got sick with COVID-19 in August which caused me to miss work, and therefore got laid off due to not being able to come to work, which therefore pushed me behind some more. I spoke with my account manager and we were able to get my account set up for my payments not to resume until August 12th, but instead of biweekly payments it would have to be weekly. I made a few payments which I got from my parents to keep me a float but after a while they couldn't keep paying $156/wk so I missed a couple payments. Before it even got to this point of being behind $800 behind I reached out to my account manager whose name is Fred and I've tried to get my account deferred, or work something out and he constantly tells me there's nothing he can do, all he can do is "note my intentions". I'm not allowed to refinance my loan or anything, this is really unfair when I've made all payments on time besides recently ! Not to mention a friend of mine was at home and told me that as of today which is October 24th a tow truck by the name of Atlas came attempting to repossess the car without any notice from Saber.

  Business response

  01/10/2023

  Business Response /* (1000, 5, 2022/10/25) */ unfortunately, the terms of the contract cannot be altered. Please pay the past due amount immediately. Consumer Response /* (3000, 8, 2022/10/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept the response because there's ways that can be worked out to help their clients. They choose not to do it or pick and choose when they want to do it. I'm not asking for the payments to stop I'm asking to get something set up because life happens and sometimes it's nothing the person can do about it. I'm asking for a deferral due to non controllable life issues. A payment suspension or anything. Consumer Response /* (3000, 9, 2022/10/25) */ ***Document Attached*** I attached documents to show me reaching out to Fred via iCloud email and him stating one amount that HAD to be paid and then another amount that HAD to be paid. When we spoke on the phone he told me they could keep the insurance payment that's incorporated into my weekly payment off of the past due and once I caught up I could pay the insurance due to me already having liability coverage elsewhere. Now he's stating that I have to pay the past due insurance payment plus my past due car payment in order to keep my car. Not only to mention he is trying to make me pay $708 and won't even tell me if I pay it if I'll be able to keep my car. Business Response /* (4000, 12, 2022/10/27) */ please call us. We cannot help unless you communicate with us. Consumer Response /* (4200, 14, 2022/10/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept this response because I've been communicating with them and they never attempt to help me out. The customer service levels are horrible and I refuse to keep getting pulled in different directions because they are insensitive to their clients life issues. Speak with me about a resolution through BBB, that's the only way things get solved. Business Response /* (4000, 16, 2022/10/31) */ The terms of the contract must be kept.

• Initial Complaint

  09/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  My car was repossessed in the middle of the pandemic april 2020 for one month of missed payments car was months away from being paid off. It has been 3 years and they are still reporting on my credit report 3 years of missed payments. I disputed but saber told them it was still valid. I would like it removed or the 3 years of payments taken off.

  Business response

  12/05/2022

  Business Response /* (1000, 5, 2022/09/20) */ Contact Name and Title: Scott ***** Contact Phone: XXXXXXXXXX Contact Email: ******@saberacceptance.com ok to remove from credit reporting due to repossesion happening during the pandemic. Consumer Response /* (2000, 7, 2022/09/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Assuming it will be taken off I accept it.

• Initial Complaint

  09/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In April or May of 2022 I applied for a loan at Regal Car sales and credit (Saber Acceptance) I was informed that I was denied because over 15 years ago they repo'd a car of mine. This was not true the car was refinance thru my bank and Saber was paid in full. I believe they left the repo mark on the account just to be vengeful. I loved all the previous car I purchased from them and that is why I went back. I would still love to purchase a car and a apology from Saber would be nice, and some if on my credit report have it removed.

  Business response

  11/23/2022

  Business Response /* (1000, 5, 2022/09/06) */ THe car was in repossesion before it was paid by the bank. We will remove from the credit reporting agencies it will take 90 days to be in effect Consumer Response /* (3000, 7, 2022/09/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I accept the removal from the credit report but would like to possibly purchase from them in the future

• Initial Complaint

  08/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  So my husband Eliah ****** co signed a car with me in 2019 it was repoed and he filed a complaint here for false reporting and they removed the repossession on his credit but decided to leave it on mine. It's being falsely reported on my credit and I want it removed

  Business response

  11/23/2022

  Business Response /* (1000, 5, 2022/09/01) */ we will make sure it get removed from both bureaus that we report to monthly. It will take a few months to reflect properly because we have no control of the credit reporting agencies. Consumer Response /* (3000, 7, 2022/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Eliah Livelys repo was removed I would like mine removed too as it is wrong to falsely report to the credit Bureau and it makes your business a horrible one Business Response /* (4000, 9, 2022/09/06) */ should me removed on next cycle of reporting. Consumer Response /* (4200, 11, 2022/09/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) It took Eliah Livelys a week after he filed a complaint on yall I don't see why it'll take a few months for me this is outrageous and I can't see how about business who is fraudulent is still in business

• Initial Complaint

  07/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I had a truck financed through Saber Finance on Sept 24th 2016, ( it was my 3rd vehicle financed through them), I ended up having to give to it back voluntarily in Sept of 2018. It's been almost 4 yrs now and they are still reporting it as an open account with missed payments. It needs to be removed off of my credit.

  Business response

  07/19/2022

  Business Response /* (1000, 5, 2022/07/14) */ We have filed a request with Trans Union and Equifax to have this trade line removed from their files. Consumer Response /* (2000, 7, 2022/07/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you. I will update if it gets removed.

• Initial Complaint

  06/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Saber acceptance is falsely reporting to my credit that My account is past due and my car loan was repossessed back in 2019 it is still reporting late payments on my credit and this need fixed as this is fraud

  Business response

  06/29/2022

  Business Response /* (1000, 5, 2022/06/14) */ Per our records we did file an AUD to delete the reporting with the two Credit Agencies we report with, Trans Union and Equifax. We have submitted another request to delete plus moved the status on their account to Do Not Report. Once updated by the Credit Agencies this will remove the account for their reports. Consumer Response /* (3000, 7, 2022/06/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I still have the issue of 2 years of it being reported late which impacted my credit horribly how can we go about fixing that? Business Response /* (4000, 9, 2022/06/20) */ I will say when we do submit manual updates they don't seem as effective to update peoples credit as timely as a consumer dispute filed. I would suggest filing a dispute with TransUnion and Equifax directly on their websites, that seems to be the most effective means for corrections or deletions and they update usually in a few days. Unfortunately we only have access to reply to disputes with that system. Consumer Response /* (4200, 11, 2022/06/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I've disputed it on my credit twice and it comes back saying you guys said it was correct I just disputed it a few days ago if you guys let it get taken off with that dispute then it is resolved but if it comes back saying you guys said it was valid then I'm doing being civil Business Response /* (4000, 13, 2022/06/23) */ We will sumbit an AUD to delete the trade line with Trans Union and Equifax today. Consumer Response /* (2000, 15, 2022/06/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for standing by what you said I just pulled my credit report it is completely off there. I am satisfied with this resolution

• Initial Complaint

  05/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been making payments to a collection agency that Saber Acceptance uses. I have been making monthly payments per agreement with Saber Acceptance and they report to credit agencies that I have not made any payments

  Business response

  06/09/2022

  Business Response /* (1000, 5, 2022/05/17) */ ***************************************************************************************************************************************************************************** also, what collection agency are you paying? name and phone Consumer Response /* (3000, 7, 2022/05/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) They know exactly who the agency is because they signed off on the agreement. For the record the agency is *****************. Phone number is ************. The file number is ********. Business Response /* (4000, 9, 2022/05/20) */ Have your answer. We had a software conversation which delayed some of our credit reporting. Your payments are being reported properly to equifax and transunion credit bureaus. If you are looking at other credit sites ie ************ their information is delayed. As a bonus we will submit an update to consider you current to both agencies. Sorry for the delay.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩