Universal Acceptance Corporation

Response received via e-mail to Revdex.com: RE: Ms [redacted] -***File No: [redacted] Thank you for forwarding the complaint for Ms [redacted] - [redacted] It’s worth mentioning this is Ms[redacted] - [redacted] third complaint for similar issuesMs [redacted] - [redacted] along with [redacted] purchased thevehicle on February 18, from CarHopThe vehicle was financed with Universal Acceptance Corporation,(UAC) (TX)Ms [redacted] - [redacted] is listed as the Co-Buyer on this account, although at that time her name waslisted as [redacted] .On both previous complaints Ms [redacted] - [redacted] stated that we had reported negatively on her credit report andthat this was a fraudulent accountIt’s worth mentioning that the phone number on all complaints is the same ason the original UAC accountUpon receiving the first complaint, ID [redacted] , we completed an initialinvestigation that revealed no inaccuracies in the information we furnishedIn response to the rebuttal complaintwe requested that Ms [redacted] please provide additional supporting documentation and any other informationthat she may have to substantiate the specific information being disputed, as well as the basis for the dispute.We have received no such information.Ms [redacted] -***’s vehicle was repossessed on 10/9/On 10/10/a Notice of Sale was sent to the addresson fileThe vehicle was sold and on 11/12/UAC charged this debt off for non-paymentA final lettershowing the deficiency balance of $was sent to the ***’s on 11/13/None of the letters werereturned to us by the US Postal ServiceAs far as we know we have accurately furnished all information to theCredit Reporting Agencies.I encourage Ms [redacted] - [redacted] to contact me at the number below if she should have any further questions.Please contact me if I may be of further assistanceThank You.Sincerely,Kate [redacted] Compliance ManagerPhone ###-###-####

Response received via e-mail to Revdex.com: UAC Universal Acceptance Corporation (IL) June 8, RE: Ms [redacted] File No: [redacted] Thank you for forwarding the complaint from Ms [redacted] Ms [redacted] purchased her vehicle on December 30, from CarHop and Universal Acceptance Corporation (UAC) (IL) holds her contract In March UAC worked with Ms [redacted] towards a settlementUnfortunately, her payment came back as non-sufficient funds (NSF).I encourage Ms [redacted] to contact UAC at ###-###-#### if she should have any further questions or concerns Please contact me if I may be of further assistance Thank You Sincerely, Julie [redacted] Customer Relations Specialist###-###-####"

Initial Business Response / [redacted] (1000, 17, 2015/06/03) */ Dear Ms [redacted] : Thank you for forwarding the complaint from Ms [redacted] We at UAC take customer service very seriouslyOn that note, we appreciate the details Ms [redacted] has regarding any experience where she felt she received service that was less than professional With this data, we can research the example to provide any training opportunities where needed Ms [redacted] 's UAC account manager, [redacted] has been working with Ms [redacted] to resolve this manner with herUAC received a check from Ms [redacted] 's insurance company and Ms [redacted] has decided to keep the vehicle and continue to make her payments to UACI encourage Ms [redacted] to contact her ***, her account manager at [redacted] extension [redacted] with any further questions or concerns Please contact me if I may be of further assistanceThank You Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThey were fair , but still gave no answer to why they are doing collection calls to someone who is not in collection?

Response received via e-mail to Revdex.com, 4-28-17:RE: Ms [redacted] ***File No: [redacted] Thank you for forwarding the complaint from Ms [redacted] ***Ms [redacted] purchased herpurchased her vehicle from CarHop on September 14, and Universal AcceptanceCorporation (UAC) (CA) holds their contractThe purchase included both a three daySatisfaction Guarantee and an month / 18,mile limited warranty, which covers majorinternal engine and internal transmission components, as well as the drive trainThe vehicle hada clean and clear Experian Auto Check prior to its sale.Our records show that in August of Ms [redacted] called UAC and authorized a 3rd party, [redacted] - [redacted] , to discuss and make changes to the accountMs [redacted] - [redacted] hadpossession of the vehicleMs [redacted] then contacted UAC in November of to ask that thevehicle be repossessedOn December 23, the vehicle was repossessedUAC attempted toredeem the vehicle to Ms [redacted] who decided she could not keep the vehicle.I had the opportunity to speak to Ms [redacted] and answer her questions on the sale of the vehicleand the contractIn addition we agreed on a settlement offer on her accountI encourage Ms[redacted] to contact me at the number below if she should have any further questions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Kate [redacted] Customer Relations Specialist###-###-####

Response received via e-mail to Revdex.com, 4-15-16: "RE: Mr [redacted] File No: [redacted] Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] purchased hisvehicle from CarHop on October 16, and UAC holds his contractThe vehicle had a cleanand clear Experian Auto Check prior to its sale.UAC is willing to work with Mr [redacted] towards a reasonable resolutionSam, a SeniorManager has left several messages for Mr [redacted] , unfortunately he has not returned his calls.I encourage Mr [redacted] to contact Sam, no later than April 29, at ###-###-####extension number [redacted] to resolve this manner.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####"

Response received via e-mail to Revdex.com: "August 2, 2016RE: Mr [redacted] File No: [redacted] Thank you for forwarding the complaint from Mr [redacted] I had the opportunity tospeak with Mr [redacted] on a few occasionsI emailed him the correct credit agency reportingthat UAC provided to the credit agenciesMr [redacted] stated he was satisfied with this result.I encourage Mr [redacted] to contact me at the number below if he should have any furtherquestions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####"

Received response via e-mail to Revdex.com: ________________________________________________________________________________...⇄ (MN)February 14, [redacted] ***Office of the Minnesota and North Dakota Revdex.comSRiver Ridge CircleBurnsville, MN 55337VIA E-MAIL ONLY- ***.***@thefirstRevdex.com.orgRE: Ms [redacted] File No: [redacted] Dear Mr***:Thank you for forwarding the complaint from Ms [redacted] Ms [redacted] purchased hervehicle on February 13, from CarHop and Universal Acceptance Corporation (UAC) (MN)holds her contract.I had the opportunity to speak with Ms [redacted] in great details on February 14, Ms[redacted] stated that she was satisfied with the result.I encourage Ms [redacted] to contact me at the number below if she should have any furtherquestions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####

Received business response via e-mail to Revdex.com: "RE: MrNeal F [redacted] File No: Thank you for forwarding the complaint from MrNeal F*MrF [redacted] and MrOrest M [redacted] Jrpurchased their vehicle from CarHop on September 24, 2014, and Universal Acceptance Corporation (UAC) (CO) holds their contractIt is important to mention that Mr M [redacted] filed a Revdex.com complaint on CarHop in January for non-covered repairs I have left numerous voice messages and e-mails for MrF*Unfortunately, MrF [redacted] has not returned my messagesWe kindly request that MrF [redacted] contact us at 1-800-414-to resolve this matter Please contact me if I may be of further assistanceThank You Sincerely, Julie S [redacted] Customer Relations Specialist 952-767-4359"

Response received via e-mail to Revdex.com: "October 14, 2016RE: Mr [redacted] File No: [redacted] Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] purchased hisvehicle from CarHop on March 15, and Universal Acceptance Corporation (UAC) (CA)holds his contract.We at UAC take customer service very seriouslyOn that note, we appreciate the details Mr[redacted] has regarding any experience where he felt he received that service that was less thanprofessionalWith that data, we can research the example to provide any training opportunitieswhere needed.I had an opportunity to speak with Mr [redacted] While under no obligation to do so, UAC hasagreed to a final payment plan that Mr [redacted] is satisfied withI encourage Mr [redacted] tocontact be at the number below if he should have any further questions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####"

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to mefurther, I found that UAC did go the extra mile and after talking with Julie we were able to come to an arrangement that works for both partiesI cannot express enough, the appreciation I have for the fact that Carhop/UAC did do exactly what they advertiseMy experience does show their commitment to Joe CustomerI am not overstating the fact that this is a company that all people can go to for help in these crazy financial times

I am rejecting this response because:It should show on my credit that I have credit history and equifax there is no report at all there's only info on the late payment my credit did not go up what so ever from this car I had to replace the motor in the vehicle months after purchase but because the car was supposed to help my credit and show I had credit history I didn't make a huge deal about it now my credit only shows I have year and months of history for my recent carTo creditors the way you guys didn't put paid looks like the account was closed it doesn't look good to them apparently and having no credit history reported doesn't look good either when I paid on that car for and a half yearsSo I am wondering why I have no credit history for that vehicleI can keep this letter and show the creditors but as far as my credit history it looks like I have none even though I should

I am rejecting this response because: I am glad that UAC is showing ownership in wrongfully having my car repossessed but they are blame the towing company Undercover Auto Recovery for not responding to an email to cancel the repossession in a timely mannerThere has been some damage to my car and I'm not sure how significant it is but there are pieces of plastic on my drive way as well as drag marks down my drive wayI gave them the keys after he towed it into the street because they to truck driver didn't believe me and was going to continue to drag my vehicle by forceUac asked me to call undercover auto because it was there mistake but when I call undercover auto is saying the Fault lies with UACI'm scheduled to pick up my vehicle This Friday and am hoping I don't pay for a vehicle that doesn't run in the manner I left itI want diagnostic and service check done on my vehicle before pickup and Someone to show full ownership in there mistake made that unnecessarily stressful

Response received via e-mail to Revdex.com: "August 3, 2016RE: Ms [redacted] File No: [redacted] Thank you for forwarding the complaint from Ms [redacted] Mr [redacted] ***and Ms [redacted] purchased their vehicle from CarHop on December 4, and UAC holdstheir contract.Upon investigation, this was a timing issue involving Ms [redacted] ’s agreement with UAC topay her delinquent amount due by 2:00pm on July 25, Unfortunately, Western Union didnot post her payment until several hours later, after 5:00pmUAC did not disable the vehicle dueto her newly amount due, but disabled the vehicle because the delinquent amount due was notposted by Western Union in a timely manner, nor did Ms [redacted] call UAC with the WesternUnion confirmation number.Ms [redacted] ’s vehicle was enabled on or about July 27, I have left Ms [redacted] several voice messages to ensure that she is satisfied, but I have not heard back from her yet.I encourage Ms [redacted] to contact me at the number below if she should have any furtherquestions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####"

Initial Business Response / [redacted] (1000, 8, 2016/02/26) */ RE: Mr [redacted] File No: [redacted] Dear Ms***: Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] filed several Revdex.com and Attorney General complaints in October, November and December of In our thorough investigation into this manner we pulled the sales contract from and have reason to believe that Mr [redacted] was in fact the person who purchased the Ford Taurus on July 15, At that time, Mr [redacted] provided CarHop with his Minnesota valid drivers' license, social security number, a bank statement from Wells Fargo, an attorney letter from [redacted] , an invoice from AT&T, and another attorney letter from [redacted] as proof of residency Mr [redacted] 's first payment to UAC came back as NSF and when UAC contacted him he stated that UAC had the wrong checking information, and that he would go to the sales location on August 6, to make the past due paymentUAC received Mr [redacted] 's first payment on August 8, via a credit card payment over the phoneIn fact UAC contacted Mr [redacted] on many occasions for his delinquent payments, and even spoke with him at his place of employment in September 2008; then in October his place of employment informed UAC that he was no longer employed thereMr [redacted] never informed UAC in that he didn't purchase this vehicleEventually after failed payment plans on Mr [redacted] 's end, his vehicle was repossessed in December In May UAC turned Mr [redacted] 's account over to a third party collection agency, JCCIt was not until October that Mr [redacted] contacted UAC to say that this is fraud and not his account, which contradicts Mr [redacted] 's statement in his Revdex.com complaint letter that he was unaware of the fraudulent transaction until In June Mr [redacted] went to another CarHop sales location to apply for a vehicle and was denied because of his previous repossessionAt that time, Mr [redacted] provided a Texas drivers license with the identical signature as in on his Minnesota drivers' license; in addition the same social security number was on both credit applicationsNevertheless, we did delete the transaction with the three national credit bureausOn February 16, we re-checked and this transaction is not showing up with the three national credit bureaus Please contact me if I may be of further assistanceThank You Sincerely, Julie [redacted] Customer Relations Specialist [redacted]

Response received via e-mail to Revdex.com: RE: Ms [redacted] File No: [redacted] Thank you for forwarding the complaint from Ms[redacted] Ms [redacted] purchased hervehicle from CarHop on 03/24/and Universal Acceptance Corporation (UAC) (CA) holds hercontractThe purchase included both a seven day Satisfaction Guarantee and an month /18,mile limited warranty, which covers major internal engine and internal transmissioncomponents, as well as the drive trainThe vehicle had a clean and clear Experian Auto Checkprior to its sale.I have left Ms [redacted] s several voice messages and sent her emails; unfortunately, she has notresponded to meI am happy to apply the $for a tow to Ms [redacted] s account and amwaiting for her to respond that she is ok with that solution.I encourage Ms [redacted] to contact me at the number below no later than December 29th, sothat I may assist her before her next payment is due.Please contact me if I may be of further assistanceThank You.Sincerely,Kate [redacted] Compliance Manager###-###-####[email protected]

Initial Business Response / [redacted] (1000, 6, 2015/09/14) */ September 11, [redacted] Mediation Coordinator Revdex.com of Minnesota and North Dakota [redacted] XXXXX RE: Mr [redacted] File No: XXXXXXXX Dear Ms [redacted] Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] purchased his vehicle from CarHop on November 28, and UAC (MO) holds his contract In April Mr [redacted] voluntarily returned his vehicle stating that the vehicle was not having any mechanical issues but he no longer needed nor wanted the vehicleUAC accepted the vehicle in full satisfaction of his debt As to the credit reporting, we have accurately furnished the account status to the credit reporting agencies Please contact me if I may be of further assistanceThank You Sincerely, [redacted] Sterbenz Customer Relations Specialist XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/09/24) */

I am rejecting this response because: I have not received the records on my account that I have asked for for the past years.A "clerical error" went unnoticed for four years, negatively effecting my credit- preventing me from improving my credit, which is precisely what CarHop advertises as providingI would like a copy of the notes that were taken on my account; I paid CarHop over $7,000, and that is information I should have access toIf an insurance company determined the vehicle to be salvaged, would it have cleared any other test- or are there separate measures, done by separate companies, that determine a vehicle to be salvaged or not? Also, when this issue was brought to their attention, the option not provided to me was that of receiving a refundGranted, the vehicle was passed the 3-day warranty, I was not made aware of the salvaged title until passed that 3-day period; had I known, the car would have never been purchased.The "18,mile warranty" did not cover the engine oil leak, which was the second most burdensome problemThey refused to budge on that, and when I found out the vehicle was salvaged, I wanted nothing to do with itI have a friend, Gino Martinez, who recently purchased a vehicle fro CarHop and the breaks were so bad, he could not drive the vehicle after having it for weeksYet, they would not return the vehicle for him, as his issue was not covered under the warranty.CarHop is luring in people with bad/no credit, giving them lemon, unreliable vehicles, and making their credit worseAnd now, after a clerical issue, CarHop is supposed to be excused for their behavior? It is time they engage in good, ethical business practices- and this service should be demanded off them.I would like my records.I would like CarHop to work diligently with the Credit Bureaus in repairing my credit

Response received via e-mail to Revdex.com -- text reads as follows: "RE: Mr [redacted] File No: [redacted] Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] purchased his vehicle from CarHop on October 8, and UAC holds his contractI consulted with CarHop and they informed me that in CarHop assisted Mr [redacted] with non-covered repairs as a good will gestureMr [redacted] has not reported any further mechanical issues.While it is unfortunate that nineteen months after his purchase Mr [redacted] is not satisfied with the price that he paidWe do clearly disclose the price of our vehicles prior to sale in two separate locationsFirst, in the “Non-Binding Offer to PurchaseSecond, we disclose the price in the retail purchase agreement and Mr [redacted] signed both documents.I encourage Mr [redacted] to call Rich, a Senior Manager with UAC at ###-###-#### if he should have any further questions.Please contact me if I may be of further assistanceThank You.Sincerely,Julie [redacted] Customer Relations Specialist###-###-####"

Response received via e-mail to Revdex.com: "June 29, RE: Mr [redacted] File No: [redacted] Thank you for forwarding the complaint from Mr [redacted] ***Mr [redacted] purchased his vehicle on May 27, from CarHop and Universal Acceptance Corporation (UAC) (MN) holds his contract.I have spoken with Mr [redacted] on many occasions, along with detailed voice messagesWe have worked out a reasonable and satisfactory resolution with Mr***Mr***’s vehicle is located at CarHop Sales Location in Blaine, MNHe stated that he will be picking up the vehicle on Wednesday June 29, I encourage Mr [redacted] to contact me at the number below if he should have any further questions or concerns.Please contact me if I may be of further assistance Thank You Sincerely, Julie [redacted] Customer Relations Specialist ###-###-####"