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San Diego, Orange and Imperial Counties

BBB Accredited Business since


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This company offers finance and loan services. 

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Home Acceptance Corporation meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Home Acceptance Corporation include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 8 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Customer Complaints Summary Read complaint details

8 complaints closed with BBB in last 3 years | 5 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 4
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 4
Total Closed Complaints 8

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Home Acceptance Corporation
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: Business started: 01/09/1992 in CA Business incorporated: 01/09/1992 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Department of Business Oversight (DBO)
7575 Metropolitan Dr #108, San Diego CA 92108
Phone Number: (866) 275-2677
Fax Number: (619) 682-7217
The license number is 6030746.

Type of Entity


Business Management
Ms. Lorena Garcia, former employee Ms. Erica Suazo, Operations Manager
Contact Information
Principal: Ms. Lorena Garcia, former employee
Customer Contact: Ms. Erica Suazo, Operations Manager
Number of Employees


Business Category

Loans - Small Business Consumer Finance & Loan Companies Financial Services

Alternate Business Names
Home Servicing Company Inc
Industry Tips
Debt Relief Strategies Financial Industry

Additional Locations

  • 1061 N Kraemer Pl #G

    Anaheim, CA 92806 (714) 630-6441 (800) 413-4422

  • PO Box 1479

    Placentia, CA 92871

  • PO Box 729

    Placentia, CA 92871


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Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


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What government actions does BBB report on?

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Additional Phone Numbers

  • (714) 630-6441(Phone)
  • (714) 630-2993 (Fax)
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Complaint Detail(s)

1/27/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I have paid off the auto loan i have had with them two years ago. I am trying to sell the vehicle now and see that they still have a lien on my vehicle. i call to have them remove themselves from the car that i own. i paid a 25 dollar fee to have this done. its been two months and still no title release. each time i call they say that the person in charge isn't there, i get put on hold and hung up on, or told that the release has been mailed. this last time i contacted them they said that they were hard at work to resolve my issue and that it was not mailed off and that actually the release wasnt even notarized or drafted.

Desired Settlement: i want them off my vehicle title so i can sell the vehicle I OWN.

Business Response:

Response to:  **** ******** ********  BBB complaint #*******

Nearly 3 years ago, on February 11, 2011, we mailed Mr. ******** the title to his vehicle via certified mail.  The title showed that  Home Acceptance released its lienhold interest in the vehicle.  The title was mailed to the address we had on file for Mr. ******** at that time and was delivered certified mail to the address.   Apparently Mr ******** lost the title.  On December 23, 2013 after being contacted by Mr. ******** we mailed a Legal Owner Release of Ownership and/or Interest (DMV form Reg. 227) to his new address on *********** ********************** ************** ******** *******  Apparently he lost that as well.  Today we are sending out a second lien satisfied form via certified mail to him at *********** ********************** ************** ******** ******.  Of course, as we had informed him, he could have come to our office and pick up the form if he had chosen to do so.  

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/23/2014 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: This "company" keeps withdrawing money from my bank account without authorization. When i call to ask them to stop the rep was very rude and said they could not not help me because i was not authorized on the account but yet they can withdraw from my bank WITHOUT authorization then she hung up on me. I called back and ask her for her name and kept saying how can i help you how can i help you finally she gave me a name "mitchell" im sure she made it up and was again very rude trying to be a smart ass. Luckly i advised her i was recording and have this record.

Desired Settlement: I would like them to stop withdrawing money from my account.

Business Response: As a regulated financial institution, Home Acceptance Corporation is both committed to
maintaining and required by law to safeguard the privacy of confidential information we maintain on 
customers with whom we do business.  We are not allowed to give out any
information about a Home Acceptance Corporation account to anyone who is not specifically 
authorized to receive it.  We are not allowed to discuss with someone who is not authorized to 
receive information regarding the status of the account or the holder or any details concerning the 
account.  We must have written authorization from the account holder before discussing any 
information about the account with a third party.  That is required even if the third party makes 
payments on the account or even if the third party is closely related to the account holder.  It 
may appear rude to the person requesting the information when we refuse to give out information 
about the account.  When that third party is closely related to the account holder it can be 
especially frustrating for them and appear that we are being unreasonable.  But we must safeguard 
the privacy of the account holder;  And before discussing anything about the account we must insist 
that we receive written authorization to discuss the account with that person from the account 
holder.  As inconvenient as it might sometimes be for third parties, we must be rigid about our 
policy.  We hope that consumers will understand our need to do so.

With  respect to  the  account  in  question,  we followed the  instructions  given by  the account 
holder.  We do not have the ability to withdraw funds from an account unless we are given the 
account information to do so.   If a third party chooses to withdraw the permission they gave to 
the account holder to use an account under their control to make electronic or automatic payments, 
they may do so even without contacting us.   They simply need to contact their banking institution. 
 If it is a bank account over which they are an additional signer along with the account holder, 
unless we hear from the account holder, we can not take instructions from the third party with 
respect to the account holder's account.   The matter is easily resolved by having the account 
holder give us specific written instructions as to their wishes.  Once we have those instructions 
we are happy to accommodate them.


****** *****
Operations Manager

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/4/2013 Problems with Product/Service
11/18/2013 Problems with Product/Service
10/16/2013 Problems with Product/Service
7/18/2013 Billing/Collection Issues
6/3/2013 Billing/Collection Issues
5/13/2013 Billing/Collection Issues