DO NOT USE Flagship Credit Acceptance I signed a loan with them for my car 2014.
My rate was “Supposed” to be 3.99% Next thing you know I check my credit and they put me as living in Tom’s River NJ, I’ve never lived in Toms River, they got my account mix up with another person with the same last name.
I’ve paid all payments on time, I come to find out they are charging me 10.6% interest.
When I finally proved what they did they refused to fix the account so I started paying 1,000 a month just to pay it off.
If pay anything over your payment they REFUSE to apply it to interest they kept saying “Oh you’re a month ahead or whatever” I starting paying 1,000 a month just to get rid of them.
It took 4 attempts and me specifically telling them to apply it to the principal (Or they won’t and Yes, FOUR times) they keep saying, oh it didn’t work, Or for some reason it wouldn’t go through They kept doing ANYTHING to stop me from paying more and to charge me as much interest as they could. I’ve never seen anything like this.
I only owe about 3,000 now and have retained counsel as I finally got what they said is my paper work and it DOES NOT match up to my car, my payment or anything.
I will get my money back. I’ve turned them into the FTC. STAY AWAY FROM THESE PEOPLE.