I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up. 
