Regional Acceptance Corporation

Creditors like Regional Acceptance Corp cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Regional Acceptance Corp violated the law, you may be entitled to money damages and Regional Acceptance Corp will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Regional Acceptance Corp?

Regional Acceptance Corp is an auto finance company and original creditor headquartered in Greenville, North Carolina. Founded in 1978, this agency is not accredited by the Better Business Bureau (BBB).

Regional Acceptance Corp is an affiliate of “BB&T,” one of the nation’s biggest financial services holding companies, and maintains four customer service centers and over 30 regional business centers in 41 states.

Regional Acceptance Corp’s Address, Phone Number, and Contact Information

Regional Acceptance Corp is located at 1424 E. Fire Tower Rd., Greenville, NC 27858. The customer service telephone number is 866-644-7687 and the main website is www.regionalacceptance.com/

Phone Numbers Used by Regional Acceptance Corp

Like many creditors, Regional Acceptance Corp may use many different phone numbers to contact debtors. Here are additional numbers Regional Acceptance Corp may be calling you from:

Regional Acceptance Corp Lawsuits

If you want to know just how unhappy consumers are with Regional Acceptance Corp, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Regional Acceptance Corp Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Regional Acceptance Corp violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Regional Acceptance Corp took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Regional Acceptance Corp, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Regional Acceptance Corp continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Regional Acceptance Corp is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Regional Acceptance Corp’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Regional Acceptance Corp violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Regional Acceptance Corp is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 

THE GOOD NEWS IS…

If Regional Acceptance Corp is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Cases We’ve Handled Against Regional Acceptance Corp

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are two cases we’ve handled against Regional Acceptance Corp:

  1. Cedric B. v. Regional Acceptance Corp, LLC – In July 2019, Cedric of Ellis County, Texas, filed a claim against Regional Acceptance Corp for violations of the Fair Debt Collection Practices Act (FDCPA), Texas Debt Collection Act (TDCA), and Telephone Consumer Protection Act (TCPA). Complaints consisted of harassing phone calls, including robocalls, for a debt that the plaintiff did not actually owe.
  2. Theresa P. v. Regional Acceptance Corp, LLC – In June 2017, Theresa of Franklin County, North Carolina, filed a claim against Regional Acceptance Corp for violations of the Telephone Consumer Protection Act (TCPA) and North Carolina Debt Collection Practices Act (NCDCPA). Complaints consisted of harassing phone calls which continued after the plaintiff requested that the calls stop and informed the agency that she was not the debtor they were searching for.

What Our Clients Say About Us

Agruss Law Firm, LLC, has over 910 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Regional Acceptance Corp Sue Me?

Yes, Regional Acceptance Corp can sue you. Regional Acceptance Corp can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Regional Acceptance Corp, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Regional Acceptance Corp has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Regional Acceptance Corp Garnish My Wages?

Yes, if Regional Acceptance Corp has a judgment entered against you. If Regional Acceptance Corp is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Regional Acceptance Corp Settlement

If you want to settle a debt with Regional Acceptance Corp, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Regional Acceptance Corp remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Regional Acceptance Corp confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Regional Acceptance Corp, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt.  Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often to do to violate the law. 

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means, either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, often times Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
  3. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.
  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks are not bound by the FDCPA.
  6. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
  7. What do I do if I have a mistake on my credit report?  If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Regional Acceptance Corp Below

We encourage you to post your complaints about Regional Acceptance Corp. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Regional Acceptance Corp over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

See all of the phone numbers that Regional Acceptance Corporation may be calling from.

How It Works


You have rights

Robo-callers and debt collectors may be violating the law


We stop the calls

We make sure this number never harasses you again


You get money

Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls


You don't pay a dime

The other side pays our fees and costs.

We serve our customers nationwide

Hear from our clients

We are listening.

Submitted Complaints

I am not a full payment behind on my car payment I have been paying more than I should to make this payment up but Reginal exceptance is calling all day. Ince they called my cell I didnt answer is then house phone. It was them I answered, they hung up and before i hung my home phone up my cell phone was ringing and it was reginal. I paid all my payments on time and we had a emergency my husband needed medical attention and thats why I didnt make that one payment. Other than the dealership we bought the car said if we make all our payments on time for the first year that reginal would refinance a lower interest and they said that wasnt an option. I put two thousand down on the ca rand they said reginal required a warrenty program to cover the loan and that took my down payment and I never used it it ran out after a year!

I have a loan with them since 5/15. I have slow time at my job around the holiday season and fall behind with my payment . However i call to make arrangements with regional acceptance and they continue to call me at least 7 times per day.

I am being called over and over by Regional Acceptance, multiple times a day. I have told them three times that they have the wrong number and to please stop calling. They call back hours later. They are asking to speak to somebody else. What can I do? I just keep telling them they have the wrong number, but I am getting irritated because they interrupt my day multiple times a day!

R.A.C. was sued by Consumer Protection Firm for TCPA calls and a settlement was reached to waive the deficiency balance. On 10/03/17 the case settled. HOWEVER on 12/01/2017 R.A.C. sent a deficiency notice and a demand letter (attempt to collect a debt) for a balance of 11,351.64. I would like to see if you can take the case and sue for FDCPA!

I purchased a 2003 Ford Expedition from Car Hop who got me financed through Regional Acceptance Corp. From the beginning I was skeptical being that the dealer had cars for sale, but either didn't have the title or had some other odd reason to not sell the car i was interested. It was basically you can get into this car or nothing. Being pretty desperate for a vehicle I signed the deal. Regional Acceptance constantly harassed me if a payment was 1 day late, they repossessed the car with no notice and only 1 month of non payment. They employed a lawyer to try and settle the balance, which is still what the initial loan was dispute paying for over a year. They wanted way more than I could afford for a monthly payment and refused to compromise on any lesser payment. I could not afford the payment and have now received an Interrogatories to Judgement debtor. This company traps people who have no where else to turn and then makes there situation worse. Not sure of there is any thing that can be done but though I would try!

Hi Shauntiquea', I am sorry to hear about this harassment. Both the inaccurate reporting of credit information and threatening phone calls may be violations of law and we can look into the situation further. Thanks, Mike.

I am a victim of the Regional Acceptance Corporation Harassment the threaten calls and reporting inaccurate information on my credit report