Auto loans & leases
Universal Acceptance auto loans & leases complaints
Consumers have filed 191 complaints about Universal Acceptance's auto loans & leases, 31 in the last 12 months (+48%). Universal Acceptance answered 100% on time and closed 3% with relief. See the whole Universal Acceptance record.
Universal Acceptance against other auto lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Santander Holdings USA | 2,463 | 100% | 36% |
| 2 | Ally Financial | 1,987 | 100% | 4% |
| 3 | Westlake Financial | 1,921 | 100% | 0% |
| 4 | Credit Acceptance | 1,277 | 99.7% | 4% |
| 5 | Capital One | 1,225 | 100% | 2% |
| 6 | Bridgecrest | 1,019 | 99.5% | 0% |
| 7 | Hyundai Capital America | 996 | 100% | 0% |
| 8 | Toyota Financial Services | 938 | 99.9% | 6% |
| 9 | Exeter Finance | 830 | 99.9% | 0% |
| 10 | Wells Fargo | 686 | 100% | 19% |
| 11 | American Honda Finance | 556 | 99.6% | 0% |
| 12 | American Credit Acceptance | 554 | 100% | 0% |
| 13 | Universal Acceptance | 31 | 100% | 3% |
Latest Universal Acceptance auto loans & leases complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Oct 23, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Oct 16, 2026 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Fixed |
| Sep 26, 2026 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Sep 21, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Aug 25, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Aug 25, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Aug 17, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 16, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Aug 14, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jul 27, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jul 13, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jun 28, 2026 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 3, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| May 29, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| May 28, 2026 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
| May 4, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Apr 9, 2026 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Mar 26, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Mar 4, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Feb 25, 2026 | Auto loans & leases | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Feb 4, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Feb 1, 2026 | Auto loans & leases | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Jan 31, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Jan 8, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 30, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Dec 27, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Dec 18, 2025 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Dec 14, 2025 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 11, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
Your rights with auto lenders
Repossession rules come from your contract and your state's law: in many states a lender can repossess without warning once you default, but it cannot breach the peace, and it must tell you how to get the car back and how it will be sold. You are usually entitled to a refund of unused add-ons such as GAP or service contracts when the loan ends early.
Scam warning: Watch for add-ons slipped into the contract, and get every promise in writing before you sign. A dealer cannot make you buy extras to get the loan.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Universal Acceptance
No comments yet. Start the conversation - questions are welcome too.