Horrible customer service. They use third party and third world country call center and nobody speaks clear English. Takes hours on the phone trying to accomplish easy tasks. Horrible website for making payments and getting loan status details. High interest rates. read more

Amazing service and very helpful when times are tough . Highly recommended . I've had bad credit and they took a huge chance on me and helped me get my car . All thanks to them and a chance read more

This is the worst, non helpful finance company to ever use!! Please save your money and finance elsewhere. I had covid and tried to get a deferment since Im unable to work 3 weeks, only thing they would donwas move my payment date! I asked for a 1 or 2 montu deferment until I can get my finances in order from lack of working and thesy said no it wasnt an option but never gave me a reason. They also said they cant see ehat they can do to help until my loan is 3 days away from being due. Please be ware horrible service!! read more

WORST EVER customer service!!! Would give NO stars if it was possible!!! Cannot wait to be done with this totally unprofessional company!!

Flagship Credit promises customer service but their reps are anything other than that. Called in seeing options for billing was told one thing and then another was done and put in place. Pull the call it will tell the story. Avoid this company at all costs. Ready to turn in vehicle it is that bad. read more

Flagship finance company finance companies I've ever dealt with inconsiderate, rude, belligerent and very unprofessional do you have any stamps or care about your professional dealings go to capital one they're much better rate don't fuk with the flagShip.. or should I say FLAGSHIT.. read more

I wish I would have read the reviews about these idiots before I agreed to do business with them. I'll never ever in life recommend these people to anyone. It doesn't matter if you pay ahead on your car note, you'll still end up owing them more than you should. I doubled my note for almost a year and it does not reflect on my balance. When you tell them to apply what you paid extra to the principal, they lie and say that they did when they didn't. Then they'll send some bs spreadsheet showing absolutely nothing. I've already contacted my attorney about this company. Beware and stay away. read more

This is the worst finance company I have ever had they are rude crazy and do not give you a chance to move your due date . They will say call after your payment has posted ,and when you call back nobody knows anything .Terrible costumer service, liars ,DONOT trust them they are crooked. read more

I wasn't sure which star to put. 3 or 4. Initially I was with Santander Bank. I cam across Flagship by accident and with my crappy credit they still significantly lowered my rates as well as made the process pretty easy. Wasn't perfect but pretty decent. Like any other car finance company I kinda understand their stress. If someone doesn't pay, they get in to panic mode. I twice missed my payments for a week or two and they call you non stop but over-all, they have been pretty consistent. I am putting a 4th star on because they actually let me get rid of the collision and comprehensive insurance, which was killing me on insurance side. Yes. I took full responsibility but I am a very safe driver and have a dash cam, so if someone hits me, I have video to prove it and the other carrier will pay for damages. read more

This company is horrible. They marked my account as 30 days late and reported it to Experian, and my credit score went down because of the false information. I was never 30 days late, yes I was late for a week, A WEEK late! Never 30 days. My auto loan is almost over with them, they really think they're slick, just because my loan is almost done, they're demanding me to pay the entire loan amount of $1700! In 11/22 when I made my November payment, I called the automated system to make a payment, it told me my payment amount of $298, but what's weird is when I called to make my December payment the automated system told me my amount due was $2200! I called customer service complaining and they couldn't even give me a straight real answer to why my amount due was $2200. So I told them, I wasn't going to make that payment and that I was going to pay my regular monthly payment of $298. So I paid it, and a few days ago, I get a Experian alert for my credit score, I go check and they marked my account as late! Remember...I made my payment for the month of January 2023! So how am I late????? Horrible company! read more

I was reading the list of reviews and I was wondering if maybe I had the wrong company. I didn't Flagship Credit Acceptance has done more to assist with this difficult Time during the Corona virus by far than any of my other creditors. Save work payment plans and differ payments. The people I've spoken have been extremely friendly and helpful and what met more than anything to me they understood my current situation. I was scared to death when I lost my job I've never went without a job in my life. The compassionate people on the other end of phone reassured me we could work together and they would help. They have taken such a burden off my shoulders. Today I go and look at my credit report knowing that I am behind on my car payment and I see that they reported the payment on time. I just wanted to take a second and say thank you because with all the stress and everything going on today I seen that and it gave me a new Hope. I took a high-risk I realize that when they offered me the one in the first place I'm not sure I would give myself a chance if in their position and then everything going on today. It gives me a sense of hope because the people that work for this company are truly compassionate for others and that's what the world needs. I will finance any cars for this company and I would recommend them. Most of you in this review list I put yourselves in the situation because you refuse to contact them or you assume the worst and show no respect. To everyone that works for flagship acceptance credit I just wanna say thank you. You are the first financial company that I feel an obligation to make sure that I do everything I can to do right by you awesome. It's like that loan that you owe to your family That no matter what they get paid first because they helped you and your time of need. Thank you again read more

After our loan was paid off they drafted our account. I called and was told it would be back in account in two days. After a week my husband and I both called, waited on hold for over 40 minutes and never got through. Next day husband got through and we were told we would get a check back in a month. Horrible service, our credit is good now, too bad we won't use them for another loan. read more

Worst company ever. I was ahead on my payments and even paid 10k on my principal last month. They repossessed my car. I was in accident on Friday flew out to hawaii next day called my insurance company a few days later knowing I might have fees from the city for holding my car. Flagship picked up my car and made me pay over 800 to pick it up. Now they wont even let my insurance company come get it. Rude customer service, and management is even more condescending. Horrible experience stay away! read more

Can't change your own user name? Wtf...dumbest thing I've heard! How I log in is my business. The supervisors there are extremely rude and sound like scam debt collectors! My account is current! I guess I won't be logging in anymore...snail mail here u go read more

I feel that flagship has a heart, since an injury my wife had in November we have been in a financial down turn and are just starting to come out of it and Flagship could have repo'd our car, but they have been GREAT. Helping us to get caught up instead of just treating us like a number. They have had a heart... There people are the best...Thank you all very much read more

They hound you like there is not tomorrow. My payment is due on the 12th of each month and I am already receiving calls the next day.

This is going to be a long and detailed post, in hopes that this will help someone else avoid this situation by going through a different bank. When I got a loan from Flagship I was approved for $325/month with a 14% interest rate, while buying a car through a dealership. It got approved and I got my first payment slip saying that I owed $480/month at 21% interest rate. I immediately called furious and after many phone transfers and days and days of calling, nothing was fixed. I basically said **** it. I was hung up on numerous times and no one spoke English. Making my first payment I had to call in and pay because they would not set up my payment portal. Paying by phone costs $10 extra. Which is ridiculous because they said no imposed fee by Flagship for paying that way. They finally got the portal set up and I set my account up for automatic withdrawal on my payment date, the 23rd of each month. They never would pull it out of my account until after the 28th of each month saying that I was late every month, which affected my credit. Along with that, my car was totaled just 5 months after having it (another drivers fault). I bought the car for $19,000 and at the time of the accident I only owed $15,000. The car was Totaled on Feb 10, 2016. I signed over Power of Attorney that next day to insurance after Flagship saw the damage and sold the car outright to my insurance company. My insurance paid $9700 on March 3, 2016 (remember my payment was due Feb. 23, 2016, but car was sold February 11, 2016). I got hit again with credit saying I had not made a payment. I needed a document from Flagship, my payoff history, so that I could start my gap claim. Flagship closed my account so I had no way to access unless I called in. I called in numerous times and got hung up on. When someone did try to help me out they said they could only mail me the document (not fax or email.) One month later I received the document and it was torn in the middle so I couldn't even use the document to submit to gap claim. (Gap worked with me and let me use my bank account to prove payment history since Flagship was unreliable.) Gap Claims then took over and they were suppose to pay the rest of the payment off. Gap called me and said that they sent the payment to Flagship and that Flagship received it on April 4, 2016. Once again, I got hit on my credit, this time saying my payment was 60 days late. I called furious to Flagship asking why I kept being hit. They said, "Well interest has still been adding up since January 23, 2016 (last payment I made). Gap claims won't cover that, so you owe us $1901.56." WTF???!!! I signed over Power of Attorney and my name has been off the car since February 11, 2016. They are just freaking out that they lost the chance to get all the interest I would have paid. They will not accept my calls now. They keep hitting me with missed payments. When I call in, if I manage to speak to someone I say my name and get hung up on... or they would tell me my vehicle is going to be repossessed if I didn't make a payment today. I told them to go right on ahead. I wish them the best in finding the car. *** Idiots!!! This is the worst financing company I have ever gone through. Do not go through Flagship if you do not have to. Refinance as soon as possible if you can. read more

I've had my car financed with flagship for almost a year. I've never received a statement. I've gone online and made sure paperless was turned on, and all they do when I call is ask if I want paper statements mailed. No, I want your online system to work. It's February 2019, my account is only showing through July 2018. Nothing. With as much money that they make, they can afford to repair their website! And unless you want to mail a check, you'll be paying an extra $5 a payment to go though western union. Stay away! read more

If i could give them less than one star I would. I purchased my vehicle a year ago. I've ever been late on one payment. I call today to ask for my payment due date to be moved to another date. I was told that was not an option. I asked to speak to a supervisor and was told a supervisor was not available and that my information would be given to a supervisor and they would call me back within 24-72 hours. I then asked what was my grace period and was told it could possibly be between 7-10 days and that i needed to look at page 3 on my contract. This was a wasted phone call. I was aware of it being on my contract but with the agent on the phone I thought id ask. There was a huge language barrier so she barely could understand me and likewise. This customer service is awful. I will pay this loan off ASAP and never refer anyone or recommend anyone to use them. read more

Trash. Paid off car and they still took an auto payment out. After receiving a paid in full letter. Refusing to give my money back.

If I could give a negative star I would!!! This company is trash and STEALS from their customers. I sold my car, paid off in full and this company took another full payment and has been giving me the run around for OVER a MONTH on getting a full refund!!! I ask for managers.. get put on hold 20 plus minutes... given bogus names and contact information and promises of a call back.. still nothing. I'm getting my attorney involved now. They leave me no choice. They have stolen and messed with the wrong chick. Do yourself a favor and steer clear of this horrible company. I will also be reporting them to consumer agencies/ BBB. read more

They were okay until I traded my car for new car. The dealer paid them off, got the title, then auctioned the car. Flagship claims they never got paid. The customer service at Flagship is threatening me with court action because of their incompetence. read more

This finance company is extremely bad about calling you multiple times over and over. I had a payment that was "late" (I had autopay set up through them and the payment date was a day later than the "due date"). They called me 4 times in a matter of 5 hours. I explained to the first agent, and they said "oh - no problem". The second one called and told them the same thing. The third agent that called, I suggested they start checking their system before calling and this was the third call for the same issue. The fourth time I asked to speak to a manager and they hung up. I refinanced the car through another finance company. They received the payment, but called me the day after my due date - twice! Both times I provided them with all the information. Very much harassment! read more

I made a payment online on Feb 25 giit confirmation number on 3:4 they called and said payment was returned sio while I had them on the phone I called my bank the bank said they never processed the payment and I didn't have any returns the person at the bank told them they have more then enough money in the account to pay this and proceed to let them know it was never sent in to be processed and there was no returns and also that even if it wasn't in there they would honor it the person I was speaking with was rude kept wanting a payment so he sent me over to supervisor she was also ride and keep on wanting another payment so I said send me proof showing this has been returned and that this has been canceled and I'll redo my payment she did not want to do that she wanted late charges etc I have proof they never processed it now I have to go to bank to stop electronic check on Monday and make another payment this company is horrible but granted I'll send them my proof from the bank they told me I was only hurting myself by not making the payment again really I made the payment yall just never processed it read more

Rude. The employees enjoy talking crap to customers. Management isn't really much help. Was lied to on finance rate when I accepted financing through them for my car. Worst company I've ever dealt with next to Comcast. read more

If I could give them a zero star rating I would. This company is not for hard working, honest Americans. They are money sucking leeches. Unfair interest rates, too high loans and they really need to be closed down. BE CAREFUL. Steer clear away from them if possible. You're better off buying a car from someone else. read more

You people are SICK, how can you tell people your helping out during covid 19 I was laid off work and JUST got back to work, and deny my extension? Excuse me? Hows that help?? Lawyer time read more

Dont do business with them. My Nissan dealership recommended them and they are a nightmare of a company. They are telling me I owe funds that I dont owe. I sent them in proof I dont owe those funds numerous times and I recorded all the phone calls now. I had to get the Attorney General Office and Consumer Affairs involved because they are so shady and lie. read more

This company is full of scam artists. I paid my car in full in April and was supposed to receive a refund on the gap insurance that I paid for under carfinance.com. I called about it and was told that it would be at least 90 days before I saw the refund. 60 days went by and I received a check for $26 when I should have gotten $127 back as confirmed with the Gap insurance company. I was told by a manager that I would receive the rest of my refund in 7-10 days. After 14 days, I called them back and was told that the request had been written incorrectly and that it would be another 90 days before I would see my money. While this is a trivial amount, the fact that they wouldn't right their wrong is upsetting and horrible business practice. I asked to speak with the corporate office and accounting and was told that they don't take calls. Shady...do not use this company! read more

Someone fraudulently used my San Francisco Fire Credit Union ATM/debit card to pay Car Finance, Irvine CA aka Flagship Credit Acceptance in the amount of $504.50 on 9/12/20. Although I received an email from Flagship to call their customer service department, if you don't have an account, you can't reach a customer service agent. read more

Paid off our vehicle but they never released the lien and now that the account is closed can't get through the phone tree. Website email not responding either. Can't get through and can't get a clean title... read more

I have never had so much trouble PAYING a bill. How can these people charge me to pay my bill? How can they make it impossible for me to make additional payments on my own loan? Why is it such an arduous process to pay online? Are these people nuts? Think long and hard about financing through them. Unfortunately, nearly all of us have been financed with these people through dealerships. You assume that dealer financing is relatively upstanding, especially in light of the fact that I was financed at an Audi dealership, a luxury vehicle. read more

Horrible company. They are charging you daily interest on any payment extension due to COVID19 if you are no longer working. They are charging you daily interest over the rest of your contract on the missed payment months. Taking advantage of people's misfortunes and this virus lockdown. Will never ever use them again. read more

They claim to be willing work with customers due to the current pandemic but will only waive a late fee. I should have read the reviews before refinancing my car with this poorly ran and managed lender. Poor customer service reps don't have a clue and simply tell customers what they want to hear to end the call. Trying to cancel a reoccurring payment has been a nightmare and I will NOT do any business with this lender in the future and recommend others do the same. Another corporation taking advantage of everyday working people's hardships. read more

They are very easy to work with. Good customer service. Everyone has to remember that this is a secondary finance company so they are helping you rebuild. read more

These guys honestly have been pretty to me. I been late a few times because I suck, and they didn't even report late payments. And I never called them. I feel for the people struggling (and then get screwed over when you get COVID) and the people who got kinda screwed over because of human/computer error, but some of you are expecting a company to bend over backwards for you when you're late due to whatever reason ( I'm assuming not COVID, I feel like one would mention so, and at least one did)... Pay your bills. And the dude who said something about 30% APR, yeah that sucks, but if you destroyed your credit that badly most banks wouldn't even humor you that let alone less. A lot of banks are probably willing to go that high depending on the specifics of your credit report. And the ones that won't, expect you to have credit that isn't obliterated... 30% APR, I can't imagine how one can damage their credit so badly. But yeah, that's not the bank's fault. read more

This has been a horrible experience in the middle of a pandemic. I asked if there were any assistance due to hours being cut short and they told me I did not qualify for any assistance because I was not on any form of leave. This was in May when things started to get crazy. They asked me if I received my stimulus check which would help me make a payment. This company has not been helpful and I wish I had another financing company as I have seen first hand both family and friends financing companies do so much more to assist. I will NEVER finance with this company again once this car is paid off. Awful company and would not recommend to anyone! read more

Horrible, horrible, horrible company! This company preys on customers, charges ridiculous interest and late fees. They make you wait for extensions well past your due date so they can charge late fees and still deny you. Most of the agents and management are total idiots. And the very few managers who babble on pretending they know what they're talking about are so cocky and rude that you feel demeaned and belittled after the conversation. They ask personal questions about finances and seem to forget that they are working for the customer. For instance, an extension is a benefit for customers to decide if they want it for most companies. This retarded company puts you through a bunch of bs, lies to you and then denies it. It's the customers loan and should be the customers choice. Definitely run..get away from this company! read more

Worst financing, most of their customer service people are really rude and don't have experience or even knowledge of what they are doing. Don't get stuck with these people find a better financing company. read more

Please don't use this company to finance a car.... worst customer service! We paid car off early and the owed us back money and 2 1/2 months still no refund! Wells's Fargo is awesome and they deal with special financing. There are so many bad reviews please make sure you read them. Oh yeah try to get a direct line to dealer services.... NEVER! read more