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 |
|---|---|---|---|
| Jul 7, 2021 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 29, 2020 | Auto loans & leases | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Oct 14, 2020 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Oct 4, 2020 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Sep 12, 2020 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 18, 2020 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 7, 2020 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Jun 11, 2020 | 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 |
| Apr 24, 2020 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Feb 20, 2020 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Jan 30, 2020 | Auto loans & leases | Improper use of your reportReporting company used your report improperly | Fixed |
| Jan 22, 2020 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Dec 9, 2019 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Nov 21, 2019 | Auto loans & leases | Getting a loan or leaseFraudulent loan | Explained |
| Nov 13, 2019 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Nov 9, 2019 | Auto loans & leases | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Oct 17, 2019 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Sep 18, 2019 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Sep 18, 2019 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Sep 16, 2019 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Aug 20, 2019 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 13, 2019 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Jul 19, 2019 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 9, 2019 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| May 31, 2019 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| May 26, 2019 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Feb 11, 2019 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Feb 5, 2019 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Dec 22, 2018 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Oct 19, 2018 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | 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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