UNIVERSAL ACCEPTANCE CORPORATION (NE)

2018-10-23

Odell, OR

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I have tried communicating this to UAC, and XXXX for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.
Company Response: Closed with explanation

Timely Response

2018-10-21

Deer Park, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Company Response: Closed with explanation

Timely Response

2018-10-19

ID

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Arvada, CO

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-09-13

Mesa, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-28

Aurora, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-08-25

MN

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-24

Penn Hills, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-08-24

Detroit, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-07-22

Spokane, WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: I purchased the XXXX XXXX XXXX from XXXX XXXX in XXXX, Washington in XX/XX/XXXX. The sales person was XXXX and the manager was XXXX. From the very beginning I had nothing but problems with the car. Within the first 2 days my car shut off completely in the middle of an intersection. I got it started after 5 or 10 minutes and then drove again. A week later it stopped completely again at another intersection and I had to have it towed to another town to the only place that XXXX XXXX would allow me to take it, XXXX XXXX XXXX XXXXXXXX. The fixed it under the warranty. A while alter the starter died, I was forced to take it back to the same place. They replaced the starter but the garage would not release the car because they said I needed an EG valve and in order to get that I would need to replace the catalytic converter which were not covered under the warranty since. I could not afford that so the mechanic said he would have to replace the engine, which IS under warranty and therefore replacing the cat. As well. I was without my car for 6 weeks a completely unacceptable time to be without a car. Not long after I had to have the entire brake system replaced and the tires replaced. This, according to XXXX XXXX had forfeited my warranty because I had another mechanic work on it rather than their approved mechanic XXXX XXXXXXXX XXXX XXXXXXXX. However, I was not willing to be without my car for another 6 weeks. I had not had the care for even a year and I had now put in over {$2000.00} worth of work on a car that was only worth about {$500.00} at the time. After getting the car back I experienced several issues with their poor customer service and contacted the CFPB ( the Consumer Financial Protection Bureau ) and put in a complaint for poor business practices. The CFPB then forwarded the issue and its details to the Federal Trade Commission. Within a month I was in contact with a woman named XXXX XXXX at the financing company for XXXX XXXX ( WA ) / Universal Acceptance Corporation ( UAC in Minnesota ). After several emails and calls an agreement was made to cut the remaining balance of what I owed by half and that would make my LAST payment to be on XX/XX/XXXX. We agreed That I would continue my payments of the same amount XXXX every two weeks until that date at that point my car would be paid in full and I would receive the title. I did this with on time payments until XX/XX/XXXX. XXXX was informed by XXXX of this issue as were other employees at the XXXX WA location and all were aware of this In XXXX of XXXX I was forced to leave my apartment and move across the state to XXXX to live with family. I had continued my payments and was only scheduled to pay 5 more until it was paid off AS AGREED on XX/XX/XXXX. The car was such a lemon that I did not feel safe driving it over the mountain pass and into the desert where it would undoubtedly brake down or stop working. I arranged to have the car transported using a company called XXXX XXXX based out of New York. I was to receive my last paycheck from my job by direct deposit on Thursday XX/XX/XXXX therefore I asked for the car to be picked in XXXX on Tuesday XX/XX/XXXX and delivered NO EARLIER than XX/XX/XXXX. I was to pay XXXX ( NY ) {$210.00} and pay cash of {$250.00} to the driver they'd brokered to bring the car. On Tuesday XX/XX/XXXX I received a call from a man with a middle eastern accent and a strange name, He said he had the car in XXXX and was needing payment now to deliver it. I told him that the car was not to be delivered until Thursday XX/XX/XXXX as I would not have the money to pay until then. He refused to deliver my car at all, he said he was going to bring it back to XXXX and That I would have to pay {$500.00} to get it as well as any storage fee. I would like to add here that there is no proof whatsoever that he was EVER in XXXX, as far as I know he NEVER LEFT XXXX with my car. I did not have a job and could not afford that. I called him and told him I was still willing to pay the {$250.00} to get my car. He said He would not deliver it until I could pay {$500.00} but he was willing to pay the storage fee. I told him that he was holding my car for ransom and therefore he had stolen my car. He still refused to deliver it and now he said I had to pay a minimum of {$750.00} If I wanted my car back. Being that the car was stolen I called the police in both XXXX and XXXX, they said they would not allow me to file a stolen car report because this was a civil case and if I wanted help I would need to bring a lawsuit against him. I then called XXXX, they said that it was out of their hands and that I would have to speak to the driver from now on and they hung up on me. I was able to track down my car by GPS and discovered it was in front of the driver 's house in XXXX, WA in a nice neighborhood. I then called XXXX XXXX and proposed a plan that could assist me and them as well. I told I know that you can only repossess a car if the payments had not been made. But since I had only 5 payments left on the car ( according to the agreement settled on earlier ) I would be willing to stop the payments and have them repossess the car into their location at which time I was willing to pay the balance in full to get it out of repo status and get my car back. I had even suggested that they could have it repossessed to their XXXX XXXX location in XXXX if that would be easier. However, this was unacceptable to XXXX, the manager he said I would have to pay the complete balance of nearly {$3000.00} to get the car back and he was not willing to bend at all. I have been without my car for a year now. My sister and I have had to take the bus with homeless drug addicts and derelicts all this time and it was nearly impossible to find work until now. I recently received a notice from a tow company demanding over {$4000.00} to get the car out of in impound. I no longer live in XXXX and can not retrieve the car under any circumstances.. This car should have been repossessed and should be back in the care of XXXX XXXX in XXXX. I AM DISPUTING THE ACCOUNT ON THIS REPORT FOR THE FOLLOWING REASONS. ACCORDING TO THE FEDERAL TRADE COMMISSION, THE CONSUMER FINANCIAL PROTECTION DEPARTMENT, AND UNIVERSAL ACCEPTANCE CORP. I DO NOT OWE THIS AMOUNT. THE AMOUNT I I OWE IS ONLY {$880.00}. Which I am willing to pay to settle the account and have this removed from my credit reports even though the car is only worth {$330.00} or less according to XXXX XXXX XXXX. XXXX XXXX is a disreputable company and has sold me a lemon. Under the lemon law they are required to fix the mechanical issues with the car and they refused. I resent the way I was treated in all of these matters described in this complaint. I resent that they ignored a decision made LEGALLY by a UAC employee to reduce the amount owed. The refused to assist me in getting my car back. They are still in possession of the title of the car and are the only ones responsible to retrieving the car out of impound. The manager XXXX should be charged with Gross misconduct and Poor Business practices in every aspect of my complaint. He was a failure at doing his job and should be dismissed. He offered no customer service no assistance at all in helping a customer with this disastrous situation. In fact he went out of his way to be disrespectful, nasty and unprofessional every time I had to deal with him. XXXX XXXX/ UAC failed to keep their end of the deal put in place regarding the balance and the complaint with the FTC and the CFPB. XXXX has misrepresented themselves and brokered the job to a disreputable and untrustworthy driver. They collected the {$210.00} I paid them then washed their hands of the situation. Obviously, I have become a victim of Scam, swindles and theft and I do not feel that these companies should go unpunished. I am willing to pay {$880.00} to receive my title and get my car back. I would also expect this dispute to show on my credit report and I expect that when I settle this for the {$880.00} I owe and for this to be removed from my a credit report completely. I am making this offer officially, I will pay {$880.00} to XXXX XXXX/UAC to return my call and register it as Paid in Full. I will pay the driver of the truck the {$250.00} agreed to in the signed agreement with XXXX to have my car returned in tact without damage with all property inside returned as well. It is to be returned to my current address in XXXX, WA and no additional costs or fees. Thank You and I am anxiously awaiting a response from each of the companies and/or agencies below.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-07-06

Discovery Bay, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: XX/XX/XXXX date of loan, amount was {$8300.00}, XXXX XXXX, CA location sold a vehicle to me that was rusted underneath, I reported to them multiple problems such as passenger door opening up while car in motion. XXXX repossessed the vehicle from my residence, and when I spoke to XXXX my account manager, he explained there was " nothing more for me to worry about, '' but on my credit report it states, " legally paid in full for less than the full balance ''! This is causing my current credit report to have a " potentially negative '' mark on it. I need them to remove this so I can apply and retain a apartment. I am presently living in my car. I suffered a small XXXX in XX/XX/XXXX and I need to be able to use my name to get the apartment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-05

Discovery Bay, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX. On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail. XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-07-03

Arsenal, PA

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Garland, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-20

Brock, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-04-02

Berthoud, CO

Struggling to pay your loan

Vehicle loan or lease: Lease

Denied request to lower payments
Complaint: I visited UAC/XXXX on XX/XX/XXXX to search for a vehicle. I asked about a XX/XX/XXXXXXXX century and I was informed the vehicle is for sale {$4100.00} and payments are {$170.00} per month. I decided to apply for the vehicle. During the application process I told the car dealer I get paid once per month and the dealer said not a problem because the XXXX is only XXXX per month. After completing the application I was approved for the XX/XX/XXXXXXXX century. I signed the paperwork to purchase the vehicle then the price jumped from {$4100.00} to XXXX. I asked why the price more than doubled? The car dealer said the price includes maintenance, a warranty and interest. I became upset because none of this was disclosed to me before I purchased the car. Further more the car dealer told me that all my documents are located online if I have any questions at XXXX XXXX, however after navigating to the website I noticed no documents on the website. One week later I get a call from XXXX saying they needed payment for the XX/XX/XXXXXXXX. I explained I do not have a payment due yet because I get paid once per month. The XXXX associate told me UAC/XXXX only does biweekly payments and I need to make a paymemt asap. I told the XXXX associate once more that I have a contract in place stating I pay once per month since I am a salary employee. The XXXX associate said if I dont make a payment of XXXX by the end of the day XXXX will remotely disable the starter in the car. I never was informed nor agreed to this remote disable starter business yet carhop XXXX my car remotely without prior knowledge or consent. This continued for 5 months. I was told by XXXX my monthly payment schedule is processing and in the mean time I should take out payday loans in order to make the biweekly payments or else XXXX will continue to disable the starter within the XXXX XXXX. For 5 months I dealt with this having to take out payday loans to pay biweekly payments when I get paid monthly. This put me in extreme debt and in hot water with my boss because I could not get to work due to the starter being XXXX. This behavior caused me to lose my job, become evicted from my apartment and I'm in extreme debt. I called XXXX to make arrangements to come pick up the XX/XX/XXXX XXXX because XXXX put me in debt however XXXX said they will not come get the car because they have to wait 30 days and XXXX threatened to ruin my credit. I am very upset because XXXX promised me monthly payments of {$170.00} for a XXXX XXXX century {$4100.00} however XXXX lied by raising the monthly price to {$380.00} and the payoff price to {$9100.00}. In addition, the XXXX started making a loud grinding sound and did not work properly so I took the car to a mechanic who told me the car was involved in an accident and was auctioned off to XXXX XXXX XXXX XXXX XXXX never told me this car was prior damaged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-05

CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
Company Response: Closed with explanation

Timely Response

2018-02-25

Topeka, KS

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-25

Wattenburg, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. Thank you, XXXX XXXX XXXX
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-02-15

Petaluma, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-14

Arvada, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
Company Response: Closed with explanation

Timely Response

2018-02-13

Clayton, MO

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Adverse account reporting incorrectly on credit report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-01-31

Stkn, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-06

Aurora, CO

Incorrect information on your report

Vehicle loan or lease: Loan

Public record information inaccurate
Company Response: Closed with explanation

Timely Response