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 |
|---|---|---|---|
| May 13, 2015 | Auto loans & leases | Managing the loan or lease | Fixed |
| Apr 2, 2015 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Feb 27, 2015 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Feb 4, 2015 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Feb 3, 2015 | Auto loans & leases | Taking out the loan or lease | Money back |
| Dec 23, 2014 | Auto loans & leases | Managing the loan or lease | Fixed |
| Dec 18, 2014 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Nov 18, 2014 | Auto loans & leases | Managing the loan or lease | Fixed |
| Nov 17, 2014 | Auto loans & leases | Managing the loan or lease | Fixed |
| Nov 16, 2014 | Auto loans & leases | Managing the loan or lease | Fixed |
| Nov 14, 2014 | Auto loans & leases | Problems when you are unable to pay | 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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