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 |
|---|---|---|---|
| Dec 4, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Nov 7, 2025 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 27, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Oct 25, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Sep 26, 2025 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
| Aug 28, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Aug 28, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Aug 22, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Money back |
| Aug 12, 2025 | Auto loans & leases | Getting a loan or leaseDid not receive car title | Explained |
| Jul 20, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Jun 12, 2025 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Jun 4, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| May 31, 2025 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| May 18, 2025 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Mar 22, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Feb 17, 2025 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Jan 27, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jan 21, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Jan 12, 2025 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Jan 6, 2025 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Dec 31, 2024 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Dec 30, 2024 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Nov 10, 2024 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Nov 4, 2024 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 25, 2024 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Sep 23, 2024 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Jun 28, 2024 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Jun 17, 2024 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| May 26, 2024 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Apr 27, 2024 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | 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
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