Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Bad
44 reviews
Flagship Credit AcceptanceSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Flagship is a national automobile finance company which specializes in automobile financing.
Flagship Credit Acceptance (flagshipcredit.com) has 44 customer reviews on The Fair Hearing, with an average rating of 1.2 out of 5.
44 approved reviews, newest moderated first
They are refusing to OPT me OUT per California Consumers Privacy Law (CCPA)
By mountain B.
Response from Flagship Credit Acceptance· Aug 26, 2025
Hi there! What you have shared would be highly unusual. Please reach out to our Customer Advocacy Team at your earliest convenience so that we can look into this issue. They can be reached directly via [email protected]. Thank you.
Could not give 0 stars. This lender ruined my life, The parking authority took my car due to unpaid tickets on a Monday 2024. (tickets were from when I was like 19, 20 not from this car) . I worked out a deal with the parking authority, they told me they would set me up with a payment plan and I could get the car on Friday. I called Flagship to make them aware of the situation. Friday comes around and I head to the parking authority to pick up the car , I'm told my car is not on the lot and I have no tickets. Supposedly flagship picked up the car and paid every ticket I've ever had in my life totaling to over $6500 . Called flagship and they said they didn't know if i was " really" going to pick up the car and also said they didn't have to call me. Why would you do that if i called to let you know I was going to pick the car up? Flagship wanted their money back from paying the tickets in order to get the car back. I had to drop out of nursing school and also lost my job due to this situation. I now have my BSN and I'm going to sue to hell out of them. Very cruel and unethical company .
By Tianesha P.
Response from Flagship Credit Acceptance· Jul 24, 2025
Hi, Tianesha. While we can’t discuss your situation publicly due to privacy concerns, we disagree with many of your contentions and invite you to reach out to our Customer Advocacy team so that we may discuss these issues further. They can be reached at [email protected].
I Pablo Melendez-Ortiz try to work out a deal with flagship and then they throw me under the bus with trasmunion credit report I plan to bring them to Virginia for court
By Pablo
Response from Flagship Credit Acceptance· Jul 1, 2025
Hi, Pablo. We would like to take a closer look at your account and what issues you may have experienced so that we can provide a more detailed response. Please contact our Customer Advocacy team at [email protected] at your earliest convenience. Thank you!
This company may play nice with car dealerships, but my experience was terrible with regard to release of lien after I paid off my loan in April. I am still waiting. They refused to tell me whether they would overnight the clear title using my Fedex account. Just yesterday, a bill of sale between $15,000 to $20,000 was cancelled by the buyer because of the delays in the lien release. Customer service can't even talk to the Title Release department, they can only send emails. I sent an overnight Fedex to the CEO Robert Hurzler complaining about the delays and basically begging him to get the Title release. By Colorado statute, lenders have to release Titles within 20 days after payoff. I'm still waiting as of May 9. What is wrong with these people? What purpose does it serve their business to slow-walk Title Releases? Why do they consider it acceptable to never respond to emails? Updated - finally I was able to get the Title and sell the car via a notarized agent as it didn't arrive in time to sell the car before I moved. I see Flagship now suggests I contact a different email address, it is too late for that. The last thing I want to do is to ever speak with this organization again.
By ski_tele
Response from Flagship Credit Acceptance· May 12, 2025
Hi there. We take your concerns seriously and would like to look into your account to see what may have occurred and if there were any miscommunications. We ask that you please reach out to our Customer Advocacy team at [email protected].
This company is fraudulent!!!! They operate immorally and if people don't speak up, they will continue to do so. The customer service department never email back. Take your case to the BBB because they need to know how this company is operating by taking loan payments and applying it all to interest and none to the principal. It is a scam and they have been getting away with it for so long. Taking advantage of people with low credit scores and go figure if the credit score is low the person is already struggling and can't afford to pay this company + the cost of the vehicle. I paid for 2 other vehicles through reputable finance companies and I had a lower score then. I paid both vehicles off in 3 years and had them both for 5 years each until the wheels fell off. Not to mention, they will repo the car so they can secure that people will pay them their inflated swindle amount and still ruin your credit and put your misfortune on their budgetary financial gain. if anyone else is on this site, I recommend going to the BBB to expose this company or go to your local state office and file a complaint ONCE AND FOR ALL! If you go to there FB page, you will not see any customer reviews because there aren't any good ones!
By Reen B.
Response from Flagship Credit Acceptance· Mar 20, 2025
Hi there. While we are sorry to hear of your negative experience, we must state that we disagree with many of your comments. We note that Flagship’s rates are consistent with the market and all terms are clearly disclosed at the outset of the loan. We can also say that like with most auto finance companies, our customers have simple interest loans that accrue interest on a daily basis, and the key to paying down this type of loan is by making the full installment payment on or before the due date each month. As the outstanding principal balance reduces, the portions of the payments that are applied to interest will decrease, leaving more to be applied to principal. Additionally, when our customers experience financial difficulties, our representatives are professionally trained and available to offer solutions. We’d like to connect with you as it is important to us that our customers feel supported and heard. As we are not able to identify you from your post, we ask that you get in touch either by phone at 800-900-5150, or email at [email protected]. Thank you.
Very poor service always calling from 1-800 numbers I’m not sure whom runs there processing department but it seems my bill never goes down an I have proof they cash my checks Company is ran by crooks and this company needs to be shut down
By Matt B.
Response from Flagship Credit Acceptance· Feb 20, 2025
Hi, Matt. Customers can review their accounts and payment history on our customer portal via my.flagshipcredit.com. Please note that like with most auto finance companies, our customers have simple interest loans that accrue interest on a daily basis, and the key to paying down this type of loan is by making the full installment payment on or before the due date each month. As the outstanding principal balance reduces, the portions of the payments applied to interest will decrease, leaving more to be applied to the principal. We’d be happy to answer any questions you may have. Please contact our Customer Advocacy team at [email protected] with your contact details. Thanks!
Phone harassment, opened a fake account with my name to lower my credit score… you little f***kers. I will reopen lawsuit on you!! I have screen shots of what you did to my credit.
By Marvin
Response from Flagship Credit Acceptance· Jan 15, 2025
Hi, Marvin. As noted in past review responses, we take your concern seriously that an account may have been opened without your knowledge, and we again invite you to submit further information so that we may investigate. Please note Flagship would not under any circumstance open an account in the way you described. We believe it is possible you may have applied to refinance with a third party that resulted in Flagship being listed as a hard inquiry on your credit report. Please reach out to us if you believe this is in error, and we would be happy to discuss. Our Customer Advocacy team can be reached at [email protected]. Thank you.
Great customer service
By nora C.
Response from Flagship Credit Acceptance· Jan 15, 2025
Thank you for your review, Nora!
