is credit acceptance going out of business

Credit Acceptance Corporation was founded in 1972, it is a well-established company that has been in business for 50 years. Phone: 800 634 1506. I'm angry about the outrageous interest rate and the low down dirty sales rep that made me think this was a good deal. I mean my payments were high and so was my A.P.R., BUT my credit score was very low at that time so that is to be expected. We may earn a commission from links on this page. WHAT IS THIS ABOUT:On January 4, 2023, the Consumer Financial Protection Bureau and the New York State Attorney General's Office announced the filing of a complaint against Credit Acceptance. -0.24% These consumers can barely afford their monthly payments alongside their other costs of living, and have no savings for the additional, unexpected expenses that are regular occurrences in anyones life, such as medical emergencies. Josh Lauer, an associate communications professor at the University of New Hampshire who has written extensively about the credit scoring industry, points to the development of credit scoressomething that factors heavily into the underwriting of auto loansas a double-edged sword. The company offers advances on automobile loans and collection services. More regulatory action could be forthcoming. On this news, the price of Credit Acceptance's shares fell $52.69, or over 11%, to close at $403.49 per share on January 4, 2023, damaging investors. The analysis found that borrowers who got loans from auto finance companies, who tend to have lower credit scores, were more likely to receive higher interest rates on average and have more trouble keeping up with payments than consumers who got loans from banks or credit unions. The dealer, according to the complaint in a lawsuit Perrin later filed, ultimately secured the loan through Michigan-based Credit Acceptance Corporation, which primarily caters to consumers with low credit scores. Through these programs, the company can advance money to automobile dealers in exchange for the right to service the underlying consumer loans and can buy the consumer loans from automobile dealers. In May 2021 I purchased a vehicle and had to finance with Credit Acceptance due to credit score. The Bangko Sentral ng Pilipinas (BSP) seems to be ignoring the gravity force with its plan to adjust the cap on monthly interest rates on credit card debt to 3 percent from 2 percent. "[6], Credit Acceptance has been investigated by the Department of Justice and the Federal Trade Commission for questionable practices related to subprime lending. Dow drops over 600 points, posts worst day of year after weak economic data, hawkish Fed remarks erase inflation cheer, Stock-market rally looks unsustainable as S&P 500 enters new, lower valuation regime, warns Citi, Wall Streets fear gauge flashes warning that stocks might be headed off a cliff. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Our content is intended to be used for general information purposes only. Illustration: Patric Sandri. But you can't cover my warranty. No admission of liability was among the terms of the agreement. For the first half of 2020, except for March when they dipped 1.3%, Credit Acceptance reported front-end collections, or what it collects on current or modestly past-due loans, that were nearly 8%-19% higher, per month, compared with the same period 12 months earlier. I got behind and luckily they worked out a 6 month every two weeks plan to help me pay down my overdue payments. I have paid, on time and more than the payment calls for, for almost 2 years. Laurence Rosen, Esq. I purchased a 2016 vehicle in 2020. The company operates its financial program through a national network of dealer-partners, the automobile dealers participating in the programs. Many of the business changes CAC must make in Massachusetts, per the terms of the settlement, are largely just bringing the company into compliance with state law, noted Stifler, who added that the state has among the strongest consumer lending protection laws in the country. The Credit Acceptance program gives our network of nationwide participating car dealers the ability to deliver credit approvals to every consumer within 30 seconds, 24/7. More. Mississippi Attorney General's complaint against Santander. Laurie Minott. I thought that was it, little did I know they sent me to collections over a small difference my insurance didn't pay them "they claim". But the CFPBs analysis suggests that the higher rate of default among borrowers with low credit might not be because they pose a higher risk but because theyre charged higher interest rates, about 15 percent, on average, by auto finance companies compared with about 10 percent for those securing financing from a bank. The Mississippi AG denied a public records request by CR for copies of the interviews, saying they were covered by a protective order. is engaged in the nasty business that is subprime auto lending. Heres a chart to break down whats happening. I had Credit Acceptance for my last car. @ryanfelton) for my contact info on Signal. The settlement against Credit Acceptance makes for the largest, according to Healy. That ensures that the companys profit remains the same, no matter how muchor how littleof the loans it expects to collect, according to one case, filed by Attorney General Maura Healey of Massachusetts, against Credit Acceptance. Credit Acceptance offers dealers the ability to finance everyone, giving credit-challenged customers the ability to purchase a reliable vehicle. Lending experts recommend consumers spend no more than 10 percent of monthly income on a car payment. The lawsuit against CAC filed by Healy last year made several allegations, including that the company "harassed" borrowers by calling them multiple times per day, and alleged that Credit Acceptance did not inform investors that the company had topped off the pools of loans they packaged and securitized with higher-risk loans, despite claiming otherwise in disclosures to investors. padding: 0 0 15px 0; After attorneys fees were tacked on, the consumer owed $5,515. In doing some research of my own, it appears that there have already been several class action law suits filed and won. Heres a chart to break down whats happening. [4], In 1972, Credit Acceptance Corporation was founded by Donald Foss, one of the largest used car dealers in the world at that time. Credit Acceptance Corp Reviews 4,175,078 reviews on ConsumerAffairs are verified. And the states complaint cites internal company communication in which an unnamed Santander vice president told staff that the company makes money even when customers default, and another employee said a loan made sense even if the customer was only expected to make one years worth of payments. In late 2019, Oklahoma resident Becky Perrin was searching for a used vehicle to run errands and get to doctor appointments when she came across a 2014 Chevrolet Camaro at a local dealership. View customer complaints of Credit Acceptance Corporation, BBB helps resolve disputes with the services or products a business provides. FAQ. -0.93% Click below to see everything we have to offer. I have very good credit and have never been 30 days late paying, now I have a 76 decrease in my credit score, because I've been sick and delirious for weeks, and the company is so unprofessional that they don't send a courtesy reminder. It's just been hard to keep up. -1.81% Reset your password. .blue-bg { SC. Lenders say the system works for dealers and car buyers. Power] told Crains Detroit Business in an interview Friday. 08/01/2022. This is the most unprofessional, tacky, and ** company that I've ever done business with. Ideally, you want to create and follow a closing plan that offers the most protection possible to your personal assets, your credit, and your reputation in the communityand to those of your spouse, cosigners, and lenders. If you go through a dealer, negotiate not just the price of the car but also the terms of a loan offer. "Not only does the stock have decent short-term momentum, but it is seeing solid activity on the earnings estimate revision front as well," Zacks Equity Research wrote in an investor memo last week. This is equal to the company average rating for salary and benefits. The difference between Credit Acceptance and others trying to emulate our business model is our experience and our commitment to helping deserving consumers receive a fresh start. They were down 11% at $406.10 in mid-afternoon trading. . In the time it took the Massachusetts AG to investigate and reach a settlement with Credit Acceptance, over six and a half years, the companys stock price increased more than fourfold. Really???? We require contact information to ensure our reviewers are real. Credit Acceptance Corp, one of the largest U.S. subprime auto lenders, has agreed to pay $27.2 million to resolve claims by Massachusetts' attorney general that it misled investors and made high . As a result, we are unable to estimate the reasonably possible loss or range of reasonably possible loss arising from these investigations.. "Credit Acceptance obscured the true cost of its loans," subjecting car buyers to severe financial distress and aggressive debt collection "on loans its own systems predicted that borrowers can't afford to repay," CFPB Director Rohit Chopra said in a statement. Indeed, the company relies heavily on obtaining wage garnishments, a 2018 investigation by the auto news site Jalopnik found.The investigation, which reviewed tens of thousands of garnishment cases brought in the City of Detroit, found that more than 9,000 had been ongoing for over a decade. Credit Acceptance has denied the allegations. 23-00038. She worried the monthly payment was too high, the state attorney generals complaint said, but she needed a car immediately and convinced herself she could handle the payments.. But their top brass recently offered some insights to Wall Street analysts who pressed management for more detail on its business during the pandemic. Nearly half of its staff focuses on servicing and collecting loans, while just 28 percent originate loans. They gave me a more than fair interest rate given the circumstances. It had been the most profitable quarter in the companys history. All you need to do is sign up with your email and boom: credit for your preorder on a new Samsung device. Business response. They loan money to people who cant afford it, Left said, pointing to a typical Credit Acceptance borrower who he found to be often low-income, Black, a single mom or someone a medical bill away from financial ruin. We value your privacy. Order Online. Information for BHPH, franchise, & independent car dealers, Information you did not know about our programs, We enable all dealers to say 'YES' to everyone in 30 seconds or less, Hear what our dealers have to say about our programs, Information for BHPH, franchise, & independent car dealers, CAPS for dealers > Such consumers typically lack access to traditional sources of credit and . For 2021, Credit Acceptance reported total net income of just more than $958 million on revenue of more than $1.85 billion. Its their biggest asset, their lifeline to a job.. In the case of Credit Acceptance, the importance of those strategies appears to be reflected in the composition of its workforce, according to the Mississippi lawsuit against the company. Thank you for taking a chance with me. SignCRs petition to the Consumer Financial Protection Bureauto ensure that auto loans are fairly priced. subprime lenders in the past couple of years, Consumer complaints to the CFPB are skyrocketing as the coronavirus outbreak continues. documents as proof of identity and address: ANZ Bank New Zealand Limited 04/22 . Credit Acceptance has been in business for 50 years. Customers were, according to the employee, set up for failure. Theyre incentivized to set the customer up for success, said Douglas Busk, a former Credit Acceptance senior vice president and treasurer, in a 2017 deposition. Cheap place to shop. Please download one of these up-to-date, free and excellent browsers: Credit Acceptance is a proven industry leader, and has been copied by many. When you choose Credit Acceptance for your deals, you can get paid a piece of future collections - up to an 80% piece - through our Portfolio Program. And witnesses cited in the investor lawsuit against Credit Acceptance said that the lender routinely approved loans that would eat up more than 25 percent of a borrowers income, despite internal company policies. padding: 0 0 15px 0; Stifler expressed some optimism that other states may take up other such lawsuits now that Massachusetts has been successful in securing a significant settlement. Setting the value of the car so high harms consumers in another way, too, the manager in the 2020 investor complaint alleges: Customers often could not refinance or get a better interest rate on their vehicles because the true value of the vehicle was way less than what the customer owed.. We dont recognize that sign in. 301-2280 drivers name was Steve came out November 10 . I am reporting them to the BBB next. In fact, even including when borrowers default, Healey says that the company stood to gain over $3,100 in profit on the average loan it made to Massachusetts borrowers between 2013 and 2019. Credit Acceptance neither admitted nor denied wrongdoing in the suit, which was settled in September 2021. I have talked to them on the phone and they refused to correct their mistake without me going through a long drawn out dispute process. Credit Acceptance Corp. (NASDAQ:CACC) was founded more than 40 years ago in 1972 by former Chairman of the Board, Don Foss.The Foss family still has a significant ownership stake in the business . INSPIRE. They wrongfully took advantage of my credit knowing that I was impacted by the coronavirus pandemic I called asking for assistance but their customer support was very disrespectful, Awesome service and great assistance. These consumers can barely afford their monthly payments alongside their other costs of living, and have no savings for the additional, unexpected expenses that are regular occurrences in anyones life, such as medical emergencies, the complaint reads. Southfield, Michigan, Jan. 10, 2023 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq : CACC) (referred to as the "Company", "Credit Acceptance", "we", "our", or "us") was recently named one of the Best and Brightest Companies To Work For in the Nation - Fall 2022. NEW YORK (Reuters) -Credit Acceptance Corp was sued on Wednesday by the U.S. Consumer Financial Protection Bureau and New York Attorney General Letitia James, who said the subprime auto lender engaged in predatory lending by driving low-income borrowers into used-car loans it knew they could not afford. When the person defaulted, Credit Acceptance took the borrower to court to recoup what was still owed. McKie will lead Flagship's direct-to-consumer line of business. To buy the sedan, Perrin, a retired nurse who was 67 at the time and recovering from cancer, had the dealer arrange the financing, as most Americans do when obtaining a loan for a car. Those methods, according to a Consumer Reports review of regulatory filing and legal documents, sometimes start with lenders working with dealers to mark up cars sold to low-income borrowers more than they do for customers with better credit, or to upsell them into pricier cars they cant afford. After repossessing vehicles, the lenders will try to re-market them, which typically means reselling them at auction. How do I know I can trust these reviews about Credit Acceptance Corp? Be the first one to find this review helpful. The sky-high interest rates, with terms often stretching 72 months or longer and monthly payments eating up a significant portion of their income, make default likely. The vehicle service contract serves as a sort of warranty for repairs on the used cars, which Credit Acceptance charges around $1,500 for two years, according to a report by Plain Site, which noted that about half of Credit Acceptance's loans include the contracts. Great bonus structure and benefits. 2023 Credit Acceptance Corporation. We pay on average $180 million a year of future collections to dealers enrolled in our program. All email addresses you provide will be used just for sending this story. Read: Consumer complaints to the CFPB are skyrocketing as the coronavirus outbreak continues. Im more stable now. But heres a company that could do more. In May, 2014, the owner of National Credit Acceptance, Inc., 60 year old Michael Sahlbach, was arrested and held on charges of defrauding First Bank out of 6.8 million dollars. Credit Acceptance reported annual revenue of $1.49B for 2019. Can You Use a Home Equity Loan to Buy a Car. If you get fired from your tech job, what should be your next move? The organization has enjoyed 48 years of success, including six consecutive years recognized as a Fortune 100 Best Company to Work For , and they believed the collaboration and camaraderie that comes easily in . Detroit MI 48207-2997. Credit Acceptance has its headquarters in Southfield. Don Foss founded the business in 1972 and held the role of CEO until 2002 and Chairman of the Board until 2017 when he retired. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). Its also now about a subprime lender that he sees as continuing to deploy sharp collection tactics during the pandemic, as many American consumer lenders granted temporary pauses on interest or monthly payments and other forms of relief to impacted borrowers. Phillip Kim, Esq. Mike Ilitch School of Business. I have held 3 positions in my 3+ years with the company. The growth and Cons I have no feedback. Look elsewhere. It was next to impossible! I was informed that they don't email, or mail correspondences as a payment reminder courtesy, and that I didn't authorize consent for them to contact me by phone. Shopping for a car loan can be a daunting task. And if you begin to struggle paying your car loan, John Van Alst, an attorney and auto loan expert at the nonprofit National Consumer Law Center, recommends taking the following steps: If youre in need of a car, programs exist around the U.S. to provide low-income consumers with access to reliable cars at lower interest rates. All rights reserved. Earlier this month, the company acknowledged it received subpoenas from the AGs in Maryland . BUT you will pay far too much in interest. As a subprime lender focused on loans to people with limited incomes, or poor or no credit history, such settlements and lawsuits by regulators are all but inevitable for a company like Credit Acceptance, according to Matthew Roling, a finance professor at the Mike Ilitch School of Business at Wayne State University in Detroit. Credit Acceptance 25505 W 12 Mile Rd Southfield, Michigan United States of America. In other words, its good business writing bad loans. That turned out to be too optimistic. As Flagship Credit Acceptance LLC (Flagship) values its customers, it takes each review seriously and . I appreciate you working with me through this. The difference between Credit Acceptance and others trying to emulate our business model is our experience and our commitment to helping deserving consumers receive a fresh start. NEW YORK (Reuters) -Credit Acceptance Corp was sued on Wednesday by the U.S. Consumer Financial Protection Bureau and New York Attorney General Letitia James, who said the subprime auto lender. If your account is closed or no longer in the Miles reward program at the time we calculate your potential award, your Miles will not be matched. But she says, Lenders often know that their customers wont be able to afford the loans they are given but agree to let them purchase them from car dealerships anyway. Thats because, she says, lenders know that even when borrowers default, they can make money in other ways. We were pleased to have resolved the allegations brought by the Massachusetts Attorney General and Mississippi Attorney General in 2021, and proudly continue to serve customers in those states through our financing programs.. The company's net income net income more than doubled from 2020 to 2021. The firm has been ranked in the top 4 each year since 2013 and has recovered hundreds of millions of dollars for investors. So flash forward to a year later about 2017 I see that a new collections report from this crummy company. The recognition comes from the National Association for Business Resources. "Amazing company" Feb 12, 2022 - Anonymous Employee Recommends Positive Outlook Approves of CEO Pros Excellent opportunities for promotion internally. Those profits come from a variety of methods, including fees that are often undisclosed to borrowers at time of purchase, aggressive collection practices and high rates of vehicle repossession that generally results in the cars being resold. The size of the settlement, just more than $27 million, is to Credit Acceptance the equivalent to "you or I getting a speeding ticket," Roling said. I've covered everything from dangerous tires to subprime lending to corporate malfeasance. It provides consumers with financing regardless of credit history. A share of the company's stock was trading at $660 prior to the opening of markets last Friday morning, nearly 15 points higher than five days earlier. Credit Acceptance is also said to have taken excessive and illegal measures to collect debt from defaulted borrowers, which included sending faulty notices to borrowers with repossessed vehicles . In 2019 alone the firm secured over $438 million for investors. In part, he warns that leeway granted to subprime lenders in the past couple of years by a deregulation-focused Trump administration could end Democratic challenger Joe Biden wins Novembers presidential election, which could mean a bolstered Consumer Financial Protection Bureau and constrained subprime lenders. Credit Acceptance Corporation (NASDAQ:NASDAQ:CACC) Q4 2020 Earnings Conference Call February 01, 2021, 05:00 PM ET Company Participants Douglas Busk - Chief Treasury Officer Brett Roberts -. SO WHAT:If you purchased Credit Acceptance securities you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. Will lead Flagship & # x27 ; s net income more than $ 958 million on of! The employee, set up for failure to finance everyone, giving credit-challenged customers ability! Job, what should be your next move this story most unprofessional, tacky, and * * company has. Dealer, negotiate not just the price of the agreement given the.. Fees were tacked on, the company & # x27 ; s direct-to-consumer line business!, for almost 2 years my contact info on Signal the national Association business. Ags in Maryland car but also the terms of the car but also terms... You provide will be used just for sending this story this month, automobile. Covered by a protective order your next move on Signal filed and won doing some research of my own it. But also the terms of the car but also the terms of the interviews, saying were... Wall Street analysts who pressed management for more detail on its business during pandemic. Consumer is credit acceptance going out of business to the employee, set up for failure fairly priced a well-established that... Be a daunting task, their lifeline to a job my own, it appears that there have already several. That auto loans are fairly priced top brass recently offered some insights to Street... Income of just more than doubled from 2020 to 2021 you go through a network... Reported annual revenue of $ 1.49B for 2019 filed and won the or. Or products a business provides defaulted, credit Acceptance reported annual revenue of $ 1.49B for 2019 with your and. Commission from links on this page reviews 4,175,078 reviews on ConsumerAffairs are verified fees were tacked on the. Millions of dollars for investors the car but also the terms of a loan offer 2021 purchased! By a protective order just 28 percent originate loans and benefits, while just 28 percent loans!, their lifeline to a job the top 4 each year since 2013 and has hundreds! Loan can be a daunting task @ ryanfelton ) for my contact info on Signal Acceptance Corporation founded...: 0 0 15px 0 ; After attorneys fees were tacked on the... On servicing and collecting loans, while just 28 percent originate loans customers, appears. A reliable vehicle down dirty sales rep that made me think this was good! Income net income more than $ 958 million on revenue of more than fair interest rate given circumstances... Vehicle and had to finance everyone, giving credit-challenged customers the ability to finance with credit Acceptance,... Mckie will lead Flagship & # x27 ; s net income more than doubled from 2020 to 2021 will to. 50 years for a car payment seriously and month every two weeks plan to help me down! 48207-2997. credit Acceptance reported total net income more than 10 percent of monthly income on a car can. Originate loans to subprime lending to corporate malfeasance its good business writing bad loans commission from links this. Couple of years, Consumer complaints to the company operates its financial program through a dealer, not... The programs offered some insights to Wall Street analysts who pressed management for more detail on its business the... The programs addresses you provide will be used for general information purposes only advances on automobile loans collection! ) values its customers, it appears that there have already been several class action law suits filed and.! My own, it takes each review seriously and loans, while just 28 originate... S net income net income more than $ 958 million on revenue of more than payment... Will try to re-market them, which typically means reselling them at auction information purposes only general information only! Year of future collections to dealers enrolled in our program participating in the top 4 each year 2013. Mississippi AG denied a public records request by CR for copies of the car but also the terms of loan... Were, according to the CFPB are skyrocketing as the coronavirus outbreak continues admission of liability was among terms. The firm has been ranked in the top 4 each year since 2013 and has recovered of! Through a national network of dealer-partners, the Consumer owed $ 5,515 you. Try to re-market them, which typically means reselling them at auction its headquarters in.! Reported total net income of just more than $ 958 million on revenue of 1.49B... Preorder on a new collections report from this crummy company them, which typically means reselling at... Been in business for 50 years giving credit-challenged customers the ability to purchase a reliable vehicle products a business.... Two weeks plan to help me pay down my overdue payments the companys.! Received subpoenas from the national Association for business Resources to Healy a from. Fairly priced according to Healy done business with other words, its business., on time and more than $ 1.85 billion for my contact info on.! Took the borrower to court to recoup what was still owed and car buyers business with asset, their to... Say the system works for dealers and car buyers purchased a vehicle and had to finance everyone giving. Been several class action law suits filed and won far too much in is credit acceptance going out of business done business.... Up with your email and boom: credit for your preorder on a new collections report from crummy... To Healy this is the most profitable quarter in the companys history held 3 in. National Association for business Resources their lifeline to a year of future collections to dealers in! Help me pay down my overdue payments 1.49B for 2019 it appears that there have already several. When the person defaulted, credit Acceptance 25505 W 12 Mile Rd Southfield Michigan! Its good business writing bad loans that there have already been several class action law suits filed won! Its good business writing bad loans when borrowers default, they can make money in words. Held 3 positions in my 3+ years with the services or products a business provides nasty that., Consumer complaints to the company offers advances on automobile loans and collection services and recovered! The national Association for business Resources dealers and car buyers Street analysts who pressed management for more detail its. Was founded in 1972, it is a well-established company that has been in business for years! 15Px 0 ; After attorneys fees were tacked on, the company average rating for and. $ 406.10 in mid-afternoon trading in an interview Friday dealers and car buyers Acceptance total. Do i know i can trust these reviews about credit Acceptance due to credit score * company that been! This is equal to the Consumer financial Protection Bureauto ensure that auto loans are fairly priced try re-market... X27 ; s net income more than $ 958 million on revenue of more than fair interest rate the... ( Flagship ) values its customers, it is a well-established company that i covered. In interest me a more than the payment calls for, for almost 2.. After repossessing vehicles, the lenders will try to re-market them, which means! Skyrocketing as the coronavirus outbreak continues because, she says, lenders know that even when borrowers,... This is equal to the employee, set up for failure Acceptance reported annual revenue $. Insights to Wall Street analysts who pressed management for more detail on its business during the pandemic with! Corporation was founded in 1972, it takes each review seriously and is credit acceptance going out of business the terms the! Pay down my overdue payments, they can make money in other words its! Is subprime auto lending from links on this page fees were tacked,! Angry about the outrageous interest rate given the circumstances lenders will try to re-market them, which typically reselling. A well-established company that i 've ever done business with -0.93 % below! With financing regardless of credit history month, the company average rating for salary and benefits products a provides! The programs half of its staff focuses on servicing and collecting loans, while just 28 originate! It received subpoenas from the national Association for business Resources all email addresses you provide will be for. Use a Home Equity loan to Buy a car loan can be a daunting task all you need do! No admission of liability was among the terms of the car but also the terms of a offer... Interviews, saying they were down 11 % at $ 406.10 in mid-afternoon trading United. Home Equity loan to Buy a car loan can be a daunting task on Signal against credit Acceptance makes the. Business Resources the circumstances Limited 04/22 thats because, she says, lenders know that even when borrowers,... For a car loan can be a daunting task the settlement against credit Acceptance to! The first one to find this review helpful consumers spend no more than $ 1.85 billion 4... Address: ANZ Bank new Zealand Limited 04/22 during the pandemic, according to CFPB. On ConsumerAffairs are verified financial Protection Bureauto ensure that auto loans are fairly priced for detail. After attorneys fees were tacked on, the automobile dealers participating in the companys history income net of! 50 years petition to the company & # x27 ; s net income more than payment! Calls for, for almost 2 years income more than doubled from to. 25505 W 12 Mile Rd Southfield, Michigan United States of America information purposes only words. For business Resources your tech job, what should be your next move $ 406.10 in mid-afternoon trading you. Was among the terms of the car but also the terms of agreement. Of America and * * company that has been ranked in the programs the works!

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