Complaint Review: NCA Financial (National Credit Acceptance Financial) - Sacramento California

This company is BACK. Now, they are "Sacor Financial, Inc."

They picked up where they left off.

How this is possible (as I read the bankruptcy case) is beyond me. Maybe some judges were for sale or there is blackmail involved. Who knows?

IN any case, they are back trying to levy my bank account. They are just sending writs of execution to local banks, hoping one will be mine. Sadly for them, I don't bank in town.

I thought I'd warn others who think the nightmare is over that it isn't. They are back in the scamming saddle.

I have PTSD from this company. I wondered why they stopped harassing me.

What will happen now? Is my debt gone or does someone purchase it?

it looks like they are still in litigation (thanks SO much for the court info!).

It's hard for me to accept they are finally gone. But if they are - I couldn't be happier.

Thanks so much to all of you hear at Ripoff Report and those ex-employees kind enough to help us!!

I love you!!

Sacramento County Superior Court Case #2009-00044895; you can read the documents and know that you will never hear from this company or the owner again.(who tried to transfer his assets and file for Bankruptcy but got caught). The pleadings are wonderful to read and can be viewed in PDF format. Just go to: https://services.saccourt.com/publicdms2/ put in the case number 34-2009-00044895 and enjoy!

NCA's phones are still working. A recording says "all the agents are busy", but you can leave a message. How can they be out of business if their phones are still working? -David

NCA's phones are still working. A recording says "all the agents are busy", but you can leave a message. How can they be out of business if their phones are still working? -David

NCA's phones are still working. A recording says "all the agents are busy", but you can leave a message. How can they be out of business if their phones are still working? -David

National Credit Acceptance closed as in Out of Business in June of 2009.

For several years I have been paying off a debt to NCA Financial and it is just about paid off. My May payment was not debited from my checking account and so I attempted to contact the company. All their phone lines go to the recording "All representatives are busy." For weeks I have left messages and still no response. I did contact the attorney's office for NCA, but I was told by the attorney's assistant, that he does not know where NCA went and he can't access my files. Also, their website NCAfinancialinc.com is no longer accessible. Does anyone know how to reach this company?

www.budhibbs.com They want to hear from employees of Collection Agencies. You have the greatest insight into the violations of Federal Laws..

I have been working with NCA trying to resolve a small debt, which is no longer so small, by the way. I have had an uneasy feeling from the beginning. When you mentioned the alias thing, it was like a light bulb went off. Some of the names, like Max Powers, Dru Pierson and Richard Rodregez all seem and sound like the same person. Do you have any advice on settling this? I just want it to be over. I sent them a check for the latest amount they gave me, even though I didn't feel good about it. It's not worth it to me to pay legal fees to fight it. I had terrible experience over the phone so I just put the check in the mail to the address on the letter I received. Do you think they will accept it or will they continue to try to get more? Thanks so much for taking a stand. I will pray that God honors your decision and provides you with good employment.

I am saddened but yet elated that many have taken a step towards action and receiving justice. I have been with credit acceptance since February of 2008. I have found the company not to have good customer service although their claim seem to be to help those who struggle with re-establishing their credit a brighter future for credit building. I have found them to act more like debt collecters. I made my payment through true pay who credit acceptance uses to collect payment. As you know Credit Acceptance tell you that you have 10 days to make your payment. Well the company who they use to collect money during this 10 day period takes a very lengthy time processing your payment which puts it after 10days now guess what you have a late charge what about a late charge upon a late charge, crazy enough? Not Yet, I reported thaty payment had been made within 10 days wanted charge credited Cred. Acc rep says no it is not our fault if it takes that long to process payment and even though you made the payment within the 10 days and it came afterwards you keep the late charge and it remained. They tried to repo my truck well over 1 month ago police was involved, repo made false statements to police saying I hit tow truck driver with my vehicle not true my neighbor saw everything and will testify to it. My friend whom I called to help me was currently a chaplain with the police dept who responded was accused of hitting repo lady neighbor can also attest that this isn't true. The police locked him because furious repo people made accusations. What about Breach of Peace. 2nd occassion happened on August 7,2008. I had previously made payment on July 30th through what I thought was true pay. Payments are due on 24th of the month. I made through my savings account as I previously had did. The rep later I discovered after Cred Acc/ was blowing up my mothers phone payment did not go through. We found out that the rep put in checking and not savings and Cred Acc had froze account on their end. This was only after they accused me of having insuffienct funds and saying my account was frozen from my end which I explained to them wasn't true. I had just left the bank doing transactions. This all happened on Tuesday Aug 5th 2008. I was talking with rep at ext.2***. Who said well we switched from Tru Pay to Western Union and your bank don't allow us to take money out. She asked if I had a checking account and if I could take money out of savings and put it into checking. I agreed. I missed several appts that day Aug 5 taking care of something that was supposed to have already been taken care of. I told her I would do it on Wednesday. On Wednesday I called at least 3 times on hold all of the times music playing no live rep ever came to phone. I was going to call on Thursday August 7 all but to get a wake up Bam at my door from repo guy who is in my drive way wiht my truck hooked up. Police came long story made short police made me exit my vehicle get my items out and repo man took truck. I had Cred Acc on phone before he pulled off trying to get this resolved once they discovered repo guy was here they said if he is there we can't do anything he must take truck. I had to pay late charges, repo fee 0ver $300.00. in this fee key charge included they did not make a key they towed and I still had to pay it. Once I called my western union # in rep said you are still negative $48.00 I said why he said in your state they won't allow us to take all the fees out at one time.What!!!!!!!!! I redeemed the vehicle the same day. They sent certified letter 2days ago talking about disposition of vehicle, re-instatement of contract.What can we all do to get some help?

I am saddened but yet elated that many have taken a step towards action and receiving justice. I have been with credit acceptance since February of 2008. I have found the company not to have good customer service although their claim seem to be to help those who struggle with re-establishing their credit a brighter future for credit building. I have found them to act more like debt collecters. I made my payment through true pay who credit acceptance uses to collect payment. As you know Credit Acceptance tell you that you have 10 days to make your payment. Well the company who they use to collect money during this 10 day period takes a very lengthy time processing your payment which puts it after 10days now guess what you have a late charge what about a late charge upon a late charge, crazy enough? Not Yet, I reported thaty payment had been made within 10 days wanted charge credited Cred. Acc rep says no it is not our fault if it takes that long to process payment and even though you made the payment within the 10 days and it came afterwards you keep the late charge and it remained. They tried to repo my truck well over 1 month ago police was involved, repo made false statements to police saying I hit tow truck driver with my vehicle not true my neighbor saw everything and will testify to it. My friend whom I called to help me was currently a chaplain with the police dept who responded was accused of hitting repo lady neighbor can also attest that this isn't true. The police locked him because furious repo people made accusations. What about Breach of Peace. 2nd occassion happened on August 7,2008. I had previously made payment on July 30th through what I thought was true pay. Payments are due on 24th of the month. I made through my savings account as I previously had did. The rep later I discovered after Cred Acc/ was blowing up my mothers phone payment did not go through. We found out that the rep put in checking and not savings and Cred Acc had froze account on their end. This was only after they accused me of having insuffienct funds and saying my account was frozen from my end which I explained to them wasn't true. I had just left the bank doing transactions. This all happened on Tuesday Aug 5th 2008. I was talking with rep at ext.2***. Who said well we switched from Tru Pay to Western Union and your bank don't allow us to take money out. She asked if I had a checking account and if I could take money out of savings and put it into checking. I agreed. I missed several appts that day Aug 5 taking care of something that was supposed to have already been taken care of. I told her I would do it on Wednesday. On Wednesday I called at least 3 times on hold all of the times music playing no live rep ever came to phone. I was going to call on Thursday August 7 all but to get a wake up Bam at my door from repo guy who is in my drive way wiht my truck hooked up. Police came long story made short police made me exit my vehicle get my items out and repo man took truck. I had Cred Acc on phone before he pulled off trying to get this resolved once they discovered repo guy was here they said if he is there we can't do anything he must take truck. I had to pay late charges, repo fee 0ver $300.00. in this fee key charge included they did not make a key they towed and I still had to pay it. Once I called my western union # in rep said you are still negative $48.00 I said why he said in your state they won't allow us to take all the fees out at one time.What!!!!!!!!! I redeemed the vehicle the same day. They sent certified letter 2days ago talking about disposition of vehicle, re-instatement of contract.What can we all do to get some help?

I am saddened but yet elated that many have taken a step towards action and receiving justice. I have been with credit acceptance since February of 2008. I have found the company not to have good customer service although their claim seem to be to help those who struggle with re-establishing their credit a brighter future for credit building. I have found them to act more like debt collecters. I made my payment through true pay who credit acceptance uses to collect payment. As you know Credit Acceptance tell you that you have 10 days to make your payment. Well the company who they use to collect money during this 10 day period takes a very lengthy time processing your payment which puts it after 10days now guess what you have a late charge what about a late charge upon a late charge, crazy enough? Not Yet, I reported thaty payment had been made within 10 days wanted charge credited Cred. Acc rep says no it is not our fault if it takes that long to process payment and even though you made the payment within the 10 days and it came afterwards you keep the late charge and it remained. They tried to repo my truck well over 1 month ago police was involved, repo made false statements to police saying I hit tow truck driver with my vehicle not true my neighbor saw everything and will testify to it. My friend whom I called to help me was currently a chaplain with the police dept who responded was accused of hitting repo lady neighbor can also attest that this isn't true. The police locked him because furious repo people made accusations. What about Breach of Peace. 2nd occassion happened on August 7,2008. I had previously made payment on July 30th through what I thought was true pay. Payments are due on 24th of the month. I made through my savings account as I previously had did. The rep later I discovered after Cred Acc/ was blowing up my mothers phone payment did not go through. We found out that the rep put in checking and not savings and Cred Acc had froze account on their end. This was only after they accused me of having insuffienct funds and saying my account was frozen from my end which I explained to them wasn't true. I had just left the bank doing transactions. This all happened on Tuesday Aug 5th 2008. I was talking with rep at ext.2***. Who said well we switched from Tru Pay to Western Union and your bank don't allow us to take money out. She asked if I had a checking account and if I could take money out of savings and put it into checking. I agreed. I missed several appts that day Aug 5 taking care of something that was supposed to have already been taken care of. I told her I would do it on Wednesday. On Wednesday I called at least 3 times on hold all of the times music playing no live rep ever came to phone. I was going to call on Thursday August 7 all but to get a wake up Bam at my door from repo guy who is in my drive way wiht my truck hooked up. Police came long story made short police made me exit my vehicle get my items out and repo man took truck. I had Cred Acc on phone before he pulled off trying to get this resolved once they discovered repo guy was here they said if he is there we can't do anything he must take truck. I had to pay late charges, repo fee 0ver $300.00. in this fee key charge included they did not make a key they towed and I still had to pay it. Once I called my western union # in rep said you are still negative $48.00 I said why he said in your state they won't allow us to take all the fees out at one time.What!!!!!!!!! I redeemed the vehicle the same day. They sent certified letter 2days ago talking about disposition of vehicle, re-instatement of contract.What can we all do to get some help?

I am saddened but yet elated that many have taken a step towards action and receiving justice. I have been with credit acceptance since February of 2008. I have found the company not to have good customer service although their claim seem to be to help those who struggle with re-establishing their credit a brighter future for credit building. I have found them to act more like debt collecters. I made my payment through true pay who credit acceptance uses to collect payment. As you know Credit Acceptance tell you that you have 10 days to make your payment. Well the company who they use to collect money during this 10 day period takes a very lengthy time processing your payment which puts it after 10days now guess what you have a late charge what about a late charge upon a late charge, crazy enough? Not Yet, I reported thaty payment had been made within 10 days wanted charge credited Cred. Acc rep says no it is not our fault if it takes that long to process payment and even though you made the payment within the 10 days and it came afterwards you keep the late charge and it remained. They tried to repo my truck well over 1 month ago police was involved, repo made false statements to police saying I hit tow truck driver with my vehicle not true my neighbor saw everything and will testify to it. My friend whom I called to help me was currently a chaplain with the police dept who responded was accused of hitting repo lady neighbor can also attest that this isn't true. The police locked him because furious repo people made accusations. What about Breach of Peace. 2nd occassion happened on August 7,2008. I had previously made payment on July 30th through what I thought was true pay. Payments are due on 24th of the month. I made through my savings account as I previously had did. The rep later I discovered after Cred Acc/ was blowing up my mothers phone payment did not go through. We found out that the rep put in checking and not savings and Cred Acc had froze account on their end. This was only after they accused me of having insuffienct funds and saying my account was frozen from my end which I explained to them wasn't true. I had just left the bank doing transactions. This all happened on Tuesday Aug 5th 2008. I was talking with rep at ext.2***. Who said well we switched from Tru Pay to Western Union and your bank don't allow us to take money out. She asked if I had a checking account and if I could take money out of savings and put it into checking. I agreed. I missed several appts that day Aug 5 taking care of something that was supposed to have already been taken care of. I told her I would do it on Wednesday. On Wednesday I called at least 3 times on hold all of the times music playing no live rep ever came to phone. I was going to call on Thursday August 7 all but to get a wake up Bam at my door from repo guy who is in my drive way wiht my truck hooked up. Police came long story made short police made me exit my vehicle get my items out and repo man took truck. I had Cred Acc on phone before he pulled off trying to get this resolved once they discovered repo guy was here they said if he is there we can't do anything he must take truck. I had to pay late charges, repo fee 0ver $300.00. in this fee key charge included they did not make a key they towed and I still had to pay it. Once I called my western union # in rep said you are still negative $48.00 I said why he said in your state they won't allow us to take all the fees out at one time.What!!!!!!!!! I redeemed the vehicle the same day. They sent certified letter 2days ago talking about disposition of vehicle, re-instatement of contract.What can we all do to get some help?

nca is a 3ed party collection agancy that purchases charged off accounts. once an account has been charged off the intrest rate is changed to a lower rate. this may be the information that you are looking for.

you need to know that for the most part you are battling against something that can not be won. sure they do have questionable business practices. but for the most they just see it as a person that owes something not paying for it. i did work for nca for about 19 months. and i can tell you, you are attacking from the wrong end. i was dismissed for no reason. my unemployment was not denied and to this day no one will tell me why i was discharged. that does not bother me. and their business practices never bothered me either other than the one thing that i pointed out afew days before i was terminated. i am from nc so this may differ from state to state. if a charged off account has to have a reduced rate in nc which is 8% . if a company sells a charged off account, what is the intrest rate that the purchasing company may use to charge the debtor. is it the orignal 26% or is it the 8% that they boutght the account at. nca uses 26% all states very in the amount a charge off account can be charged but no state allows the collection of full intrest rates on charged off accounts all accounts at nca have been charged off by the orignal owners so if you are looking for a way to bring down nca that is the answer i can not say that i disliked my employment and or the employees. however i did disagree with the following not giving a person the chance to pay at a rate that they could pay it is my firm beleif that no one does not want to pay. it is something that has happened in their life that has made them unable to pay. if things start getting better for that person how does a pay or die attude work on them. i can assure you that it is not good. other than that i can not say that i had a proble with the collection practices. as for company turnover rate it can be explaned quite easly mike has everyone on salary + com. if you do the pay or die collection method that he insists on then there are no futures. he can not see past what he is to pay out over time. so if you collect 20k a month and have no futures he does not mind paying your com. . but if you start to develop a milk rout for thouse that want to pay but can not pay in full and collect 20k a month. he looks at you as a libality. your accounts will start to turn up missing to the out right stealing of payments by suppervisors so that your milk rout is not working for you. the accounts are then trans to one person that does not get a com. so that they can collect thouse. you are terminated and the overhead goes down. the only problem is that it only works out for mike. but if money is all that you think about then once again there is no problem that mike can see. i was accused of being a supper hero. they called me aqua man. in the since that the money was rolling in and that i was not bringing it in that i woud have others do my work for me. i had jennifer that was my supervisor give some of my debtors the once over. sure they came back to me and paid, paid what they could or the ballance in full. either way it was win win. if you put a distastful tast in someones mouth they will not come back. but if you leave them with the good guy bad guy skit then they are more than likely going to pay what they can. i guess that i signed that contract with nca also. but what does it matter. they discharged me gave me no reason for doing so. i do deserve that. so mike if this is distastful to you please think about karma. such as the show earl on tv. if you do something bad it is going to come back to you. even though you try to blame it on other people and discharge them to cover for you. in the end the truth will come out. for if it did not there would be no end. i have no problem with nca or mike other than differances on office bs i would recomend it as a company to work for, just do as you are told do not try to develope your own oppinions. that is not what they are paying you for. sincerely, dan

Bryan, Thank you for your candid overview describing the unethical tactics leveraged by NCA. I fully inted to take action against them and would love to hear more of your experience to insure that I am able to reach out to as many people as possible who have been subjected to their criminal behavior. Please email me at (((ROR REDACTED))) with your contact details so we can speak ASAP. Kind regards, CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.