What to do when a Regional Acceptance account holder dies
Contact Regional Acceptance — 7-step process, 3 required documents, and regional acceptance does not publish a fixed timeline for updating a deceased borrower's account. payoff quotes are available 24/7 by phone, app, portal, or statement. after payoff, the lien is released on the title within 2 business days when paid with certified funds, or in approximately 10 business days when paid with non-certified funds.
Regional Acceptance Customer Service
Payments/payoffs (USPS): Regional Acceptance Corporation, PO Box 580075, Charlotte, NC 28258-0075. Payoff express/overnight: Attn: Payoff Dept., 1424 East Fire Tower Road, Greenville, NC 27858. Titles/lien release: Attn: Document Control, 1424 E Fire Tower Rd., Greenville, NC 27858.
Regional Acceptance Customer Service
Payments/payoffs (USPS): Regional Acceptance Corporation, PO Box 580075, Charlotte, NC 28258-0075. Payoff express/overnight: Attn: Payoff Dept., 1424 East Fire Tower Road, Greenville, NC 27858. Titles/lien release: Attn: Document Control, 1424 E Fire Tower Rd., Greenville, NC 27858.
Regional Acceptance Customer Service (Deceased Account Holder)
Regional Acceptance balances do not pass to anyone at death — they are settled. The executor reports the death to the Regional Acceptance Customer Service (Deceased Account Holder) (866-644-7687), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Begin by calling Regional Acceptance at 866-644-7687. You will need the deceased's full name, account numbers, and a certified death certificate to get the process started.
Death claim process
The death claim process at Regional Acceptance works as follows:
Filing a claim
- Pay off the balance from estate funds, life insurance, or sale proceeds; once the lien is released the vehicle can be retitled through the estate
- Refinance the balance in the name of an heir who wants to keep the vehicle
- Sell the vehicle and use the proceeds to pay the loan balance
- Surrender the vehicle to the lienholder if the estate does not keep it
Required Documents
- Death certificate for the deceased borrower
- Letters Testamentary or Letters of Administration, or a small estate affidavit, if Regional Acceptance requires proof of authority to act on the account
- The Regional Acceptance account number
What to know at this institution
An auto loan is a debt, not an asset — it carries no payable-on-death or beneficiary designation. Regional Acceptance publishes no dedicated deceased-borrower process, form, or department; the deceased-account process is modeled from its verified general Customer Service (866-644-7687 / 877-722-7299), payoff, and title channels. Because Regional Acceptance holds a lien on the vehicle title, the lien is released only after the loan balance is paid (within 2 business days for certified funds, approximately 10 for non-certified), after which the vehicle can be retitled to an heir or sold. Regional Acceptance is a separate servicing operation from the Truist retail bank: a Truist bank deposit or Truist-branded loan is handled through Truist's own channels, not these Regional Acceptance addresses.
Prepare your letter of instruction to Regional Acceptance
Regional Acceptance accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Regional Acceptance's verified claims department, with the documents it requires enclosed.
Build your letter of instructionProcessing timelines at Regional Acceptance: Regional Acceptance does not publish a fixed timeline for updating a deceased borrower's account. Payoff quotes are available 24/7 by phone, app, portal, or statement. After payoff, the lien is released on the title within 2 business days when paid with certified funds, or in approximately 10 business days when paid with non-certified funds. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Regional Acceptance requires Death certificate for the deceased borrower, Letters Testamentary or Letters of Administration, or a small estate affidavit, if Regional Acceptance requires proof of authority to act on the account, and The Regional Acceptance account number to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
A Regional Acceptance auto loan is a debt that does not disappear on death; it is resolved by the estate. Have the death certificate ready and call Customer Service at 866-644-7687 (or the main line at 877-722-7299) to report the death. The account is then resolved by paying off the balance, refinancing it into an heir's name, selling the vehicle, or surrendering it. Regional Acceptance holds a lien on the title until the balance is paid.
No. A vehicle loan is a debt, not an asset, so there is no payable-on-death or beneficiary designation. When the borrower dies, the obligation becomes part of the estate. The estate resolves it by paying off the balance, refinancing, selling the vehicle, or surrendering it to the lienholder.
Regional Acceptance asks for a copy of the death certificate for the deceased borrower and the account number. To establish authority over the estate, it may require Letters Testamentary or Letters of Administration (certified court-issued documents showing the executor or administrator) or a small estate affidavit, which is used when the estate's total assets fall under the dollar limit set by state statute. Regional Acceptance does not publish a dedicated deceased-borrower form, so confirm what to send with Customer Service.
Call Regional Acceptance Customer Service at 866-644-7687 (Monday through Friday 8:30 a.m. to 5:30 p.m. ET), or the main line at 877-722-7299, which is automated 24/7 with representatives Monday through Thursday 8 a.m. to 12 a.m. ET, Friday 8 a.m. to 8 p.m. ET, and Saturday 8 a.m. to 1 p.m. ET. Have the death certificate for the deceased borrower ready, and ask where to send estate documents for the account. If the estate is in bankruptcy, contact the Bankruptcy Department at 800-993-1858.
Regional Acceptance's Regional Acceptance Customer Service (Deceased Account Holder) can be reached by phone at 866-644-7687 for questions throughout the claims process.
Sources
Data sourced from Regional Acceptance primary sources (6 pages reviewed). How we research.
Regional Acceptance Customer Service
Payments/payoffs (USPS): Regional Acceptance Corporation, PO Box 580075, Charlotte, NC 28258-0075. Payoff express/overnight: Attn: Payoff Dept., 1424 East Fire Tower Road, Greenville, NC 27858. Titles/lien release: Attn: Document Control, 1424 E Fire Tower Rd., Greenville, NC 27858.
Regional Acceptance Customer Service
Payments/payoffs (USPS): Regional Acceptance Corporation, PO Box 580075, Charlotte, NC 28258-0075. Payoff express/overnight: Attn: Payoff Dept., 1424 East Fire Tower Road, Greenville, NC 27858. Titles/lien release: Attn: Document Control, 1424 E Fire Tower Rd., Greenville, NC 27858.
Regional Acceptance Customer Service (Deceased Account Holder)
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