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 |
|---|---|---|---|
| Apr 1, 2024 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Mar 12, 2024 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Jan 29, 2024 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Jan 19, 2024 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Jan 7, 2024 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Nov 16, 2023 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 24, 2023 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Fixed |
| Sep 23, 2023 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Aug 23, 2023 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Aug 4, 2023 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Jun 13, 2023 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Jun 3, 2023 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| May 22, 2023 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Apr 18, 2023 | Auto loans & leases | Struggling to pay your loanProblem after you declared or threatened to declare bankruptcy | Explained |
| Apr 18, 2023 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Apr 3, 2023 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Mar 29, 2023 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Dec 14, 2022 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 12, 2022 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Oct 31, 2022 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 10, 2022 | Auto loans & leases | Getting a loan or leaseProblem with a trade-in | Explained |
| Jul 1, 2022 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| May 19, 2022 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| May 16, 2022 | Auto loans & leases | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 7, 2022 | Auto loans & leases | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Dec 29, 2021 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Dec 17, 2021 | Auto loans & leases | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 13, 2021 | Auto loans & leases | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Aug 31, 2021 | Auto loans & leases | Getting a loan or leaseFraudulent loan | Explained |
| Aug 22, 2021 | Auto loans & leases | Struggling to pay your loanProblem after you declared or threatened to declare bankruptcy | 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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