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 11, 2018 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Sep 25, 2018 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 22, 2018 | 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 |
| Jul 6, 2018 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Jul 3, 2018 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Apr 2, 2018 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Feb 25, 2018 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Feb 15, 2018 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Dec 6, 2017 | Auto loans & leases | Incorrect information on your reportPublic record information inaccurate | Explained |
| Nov 29, 2017 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Fixed |
| Nov 10, 2017 | Auto loans & leases | Managing the loan or leaseBilling problem | Fixed |
| Oct 9, 2017 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Fixed |
| Aug 26, 2017 | Auto loans & leases | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Fixed |
| Aug 4, 2017 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Fixed |
| Jun 11, 2017 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Fixed |
| Jun 10, 2017 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Fixed |
| Jun 1, 2017 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| May 24, 2017 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Fixed |
| Mar 16, 2017 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Mar 16, 2017 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Mar 7, 2017 | Auto loans & leases | Managing the loan or lease | Fixed |
| Mar 4, 2017 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Feb 6, 2017 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Feb 3, 2017 | Auto loans & leases | Managing the loan or lease | Fixed |
| Dec 30, 2016 | Auto loans & leases | Taking out the loan or lease | Fixed |
| Dec 18, 2016 | Auto loans & leases | Problems when you are unable to pay | Closed |
| Dec 8, 2016 | Auto loans & leases | Taking out the loan or lease | Fixed |
| Dec 2, 2016 | Auto loans & leases | Taking out the loan or lease | Fixed |
| Nov 11, 2016 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Sep 9, 2016 | Auto loans & leases | Managing the loan or lease | Fixed |
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.
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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