Universal Acceptance Corporation

I am rejecting this response because: I contacted Sam at Universal Acceptance and he is not willing to work anything outthey absoultely refuse to pick up this car.they will not do anything with the title but yet have closed the account for the loan.I will now try to junk the car without the title.they think the lemon law doesn't apply to them because the car is a but it does because I checked it out I will have to sue them and Car Hop for selling a bad lemon car,,, this is what they have forced me to try now.this can all be avoided if they agree to pick up the car

Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ RE: Mr [redacted] File No: XXXXXXXX Dear MsKeate: Thank you for forwarding the complaint from Mr [redacted] Mr [redacted] spoke with UAC manager, April on January 23, April was able to change Mr [redacted] ' payment due dates to assist Mr [redacted] Mr [redacted] stated that he was satisfied with this result I encourage Mr [redacted] to contact April at X-XXX-XXX-XXXX extension number if he should have any further questions or concerns Please contact me if I may be of further assistanceThank You Sincerely, [redacted] Customer Relations Specialist XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/08) */ The customer indicated that he/she ACCEPTED the business response

Initial Business Response / [redacted] (1000, 5, 2015/08/26) */ Universal Acceptance Corporation (NE) August 25, [redacted] Mediation Coordinator Revdex.com of Minnesota and North Dakota SRiver Ridge Cir Burnsville, MN RE: Mr [redacted] File No: XXXXXXXX Dear Ms Keate: Thank you for forwarding the complaint from Mr [redacted] ***I spoke with Mr [redacted] on August 24, Mr [redacted] paid off his contract with UAC (NE) on November 17, and UAC mailed his lien release to him on December 2, However, Mr [redacted] stated that he never received it On August 24, UAC faxed the lien release to the Nebraska DMV officeI also e-mailed a copy to Mr***Mr [redacted] said he was satisfied with this resultI 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 assistanceThank You Sincerely, Julie [redacted] Customer Relations Specialist XXX-XXX-XXXX

I am rejecting this response because: I sent them an email stating I was satisfied with the outcome that day but in no way was I satisfied with their overall companyCharging someone who knows little about cars $14,for a $3,car is in no way acceptableI dont think they need to swindle anymore peopleI also sent a follow up email and they never responded to eitherThis company is corrupt, their vehicles break down, they never issued any kind of apology and now I am more mad than when I began because they sent me an email asking me to remove my complaintAbsolutly not! People need to know what they are getting into when dealing with Carhop/UAC

Response received via e-mail to Revdex.com: RE: Ms*** ***File No: ***Thank you for forwarding the complaint from Ms*** ***Ms*** purchased hervehicle from CarHop on 06/25/and Universal Acceptance Corporation (UAC) (CA) held hercontract.I had an opportunity to work
directly with Ms***CarHop has verified the vehicle is nolonger in her name, and has not been for several yearsCarHop paid the citation and I emailedMs*** the receipt for her recordsMs*** stated she was satisfied with this result.I encourage Ms*** 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 ***Customer Relations Specialist###-###-####

Response received via e-mail to Revdex.com: ________________________________________________________________________________...⇄ (CA)November 3, 2016*** ***Auto Industry LiaisonRevdex.com of Minnesota and North DakotaSRiver Ridge CirBurnsville, MN
55337VIA E-MAIL ONLY- ***.***@thefirstRevdex.com.orgRE: Mr*** ***File No: ***Dear Mr***:Thank you for forwarding the complaint from Mr*** ***Mr*** purchased hisvehicle on May 14, from CarHop and Universal Acceptance Corporation (UAC) (CA)holds his contract.UAC worked with Mr*** on a reasonable payment plan, unfortunately he failed to keep thearrangementUAC again tried to work towards another payment plan and Mr*** refused,stating that he no longer wanted the vehicleMr***’s vehicle was repossessed with anoutstanding balance due, UAC is not able to refund any money to him.Please contact me if I may be of further assistanceThank You.Sincerely,Julie ***Customer Relations Specialist###-###-####

Response received via e-mail to Revdex.com, 6-21-16: "RE: Ms*** ***File No: ***Thank you for forwarding the additional complaint from Ms*** ***On June 21,2016, I received a voice message from Ms*** confirming that she received her title.I encourage Ms*** 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 ***Customer Relations Specialist###-###-####"

Received business follresponse via e-mail to Revdex.com: January 22, 2017RE: Ms*** ***-***File No: ***Thank you for forwarding the rebuttal complaint for Ms*** ***-***Ms***-*** along with *** *** purchased the vehicle on February 18, from CarHopThe vehicle was financed with Universal Acceptance Corporation, (UAC) (TX)Ms***- *** is listed as the Co-Buyer on this account, although at that time her name was listed as *** ***.As mentioned in previous complaints, Ms***-***’s vehicle was repossessed on 10/9/In November the vehicle was sold and the remaining balance of $was charged off for non-paymentAll appropriate collection letters were delivered including a final letter showing the deficiency balanceIf Ms***-*** would like to discuss paying this charged off debt I’d be happy to assist.On previous complaints Ms***-*** stated that this was a fraudulent accountIt’s worth mentioning that the phone number on all complaints is the same as on the original UAC accountAnd at time of sale a Texas state ID was presented and checkedIt’s also worth mentioning that we have received no formal disputes.Unless Ms***-*** is submitting a dispute to us, we are under no obligation to provide Ms*** *** with documentation validating the information that we may furnish to the credit bureausBased on her most recent letter, Ms*** *** still has not provided sufficient information to allow us to investigate any disputed informationIn order for us to conduct an investigation into her dispute, she must provide us with sufficient information to understand the information being disputed or a clear description about the nature of the disputeShe may also provide us with any other information as appropriate to her particular situationFor example a police report, a fraud or identity theft affidavit, a court order or similar actionWe have received no such informationIf we do not receive the requested information within days of the date of this letter, we will consider this matter closed.If Ms***-*** would like copies of her retail installment contract, the payments made on the account or any other information I encourage her to contact me directly at the below phone numberI’ll be happy to provide any information regarding this debt.Please contact me if I may be of further assistanceThank You.Sincerely,Kate ***Compliance [email protected] ###-###-####

I am rejecting this response because:I have spoken to an attorney about this, and they tell me that UAC can adjust the acct to verify the accuracyAnd also to verify that the acct has been settled when and if it can be reached at that pointWhen we spoke you told me that even if we come to a settlement and we pay it offThat UAC will not remove it from the bureau's or notify the bureau's of any changesTo date your office has not even attempted to get the vehicle, when we were making payments, we never got receipts are anything elseYour office doesn't treat disabled right in any mannerAnd as far as the settlement, I am social security *** hasn't been able to maintain steady employmentPer federal law I am judgement proofIf I ever agreed to another settlement it will be under terms that it will be taken of our credit reports once it is settledI have alot of medical issues going on right now, so I ask everyone to please not contact me by phone only email.6/6/2016 If your office truly wants this acct settled than it needs to be in terms all parties can agree too. 1:52am*** *** and *** ***

Initial Business Response /* (1000, 5, 2015/04/08) */
Thank you for forwarding the complaint from Mr*** ***Mr***
purchased his vehicle from CarHop on July 26, and UAC holds his financial contract
To best address Mr***'s mechanical issue, I consulted
with CarHop and they informed
me that they have honored their warranty in repairs, and, in addition, as a good will gesture
CarHop has paid for a few non-covered repairs as well
In February 2015, to accommodate Mr***'s request, UAC voluntarily agreed to change
his payment due datesUAC is unable to lower his payments at this timeUnfortunately; Mr
*** did not qualify for UAC's Rewards Program to skip a paymentHowever, solely as a
good will gesture, UAC is willing to allow Mr*** to skip his next payment that is due
I spoke with Mr*** on April 3, and he stated that he is satisfied with this resultI
encourage Mr*** 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 assistanceThank You

Initial Business Response /* (1000, 5, 2015/05/18) */
Thank you for forwarding the second complaint from Mr*** ***To confirm UAC
standard procedure, we do contact customers who fall behind on their payments to help them
keep their account in good standing
We at UAC take customer
service very seriouslyOn that note, we listened to the many call
recordings with Mr*** and UACWe did not find any calls where UAC threatened,
disrespected or mistreated Mr***Nor did any UAC representative tell Mr*** to
never call UAC again, as he claims in his complaint
I spoke with Mr*** on several occasionsI explained that UAC did work with him to get
his account current after he missed his first two paymentsHis third payment was $short
Mr*** is required by his contract to make his payments on timeMr*** stated to
me several times on May 13, that he would like us to do him a personal favor and allow
him to pay his past due amount on May 22, 2015, along with his full payment that will be due
May, 22, I informed Mr*** that while we understand his unforeseen financial
situation at this time that this is a business contract, and not personalI advised Mr***
that he would need to make his delinquent payment of $to UAC by May 13, Mr
*** did so and is now current
UAC is compliant with all collection regulations, policies and state lawsMr*** entered
a legal binding contract with UAC and UAC will continue to contact him when and if his
account is delinquentI encourage Mr*** to contact his UAC account manager at *** extension number *** if he should have any further questionsThank you

I am rejecting this response because: this is and I'm tired of their inaccuraciesI have proof that my payment was recieved and I reviewed letters and title for my vehicleWhere do I upload these documents? When I provide this proof I demand that whom ever is responding to update their records as they should have been corrected the last time I contacted the Revdex.com and they sent me my information and found the mistake on their end as it relates to Car Hop

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

Response received via e-mail to Revdex.com: RE: Ms*** ***File No: ***Thank you for forwarding the complaint from Ms*** ***Mr*** *** and Ms.*** *** purchased a vehicle from CarHop on February 18, Ms*** is the cosigner.Universal Acceptance Corporation
(UAC) (TX) holds their contractThe purchaseincluded both a three day Satisfaction Guarantee and an month / 18,mile limited warranty,which covers major internal engine and internal transmission components, as well as the drivetrainThe vehicle had a clean and clear Experian Auto Check prior to its sale.I have left Ms*** several voice messages in order to review her contract with her.Unfortunately, I have not heard back from Ms***.I encourage Ms*** 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 ***Customer Relations Specialist###-###-####

Business response received via e-mail to Revdex.com: ________________________________________________________________________________...⇄ (MO)July 7, 2016RE: Mr*** ***File No: ***Thank you for forwarding the complaint from Mr*** ***We apologize for
the frustration this has caused Mr***.UAC has worked with Mr*** towards a satisfactory resolutionI encourage Mr*** to contact Ryan at ###-###-#### extension number *** if he should have any furtherquestions or concerns.Please contact me if I may be of further assistanceThank You.Sincerely,Julie ***Customer Relations Specialist###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is NOT satisfactoryI have attached screenshots that indicate that the balance had decreased due to the making of on time payments to an account that is listed as being closed in NovThe account being listed as "closed-derogatory" greatly effects my credit lifeThe payment history isn't bring reflected with a "closed-derogatory" accountI've disputed yet again, and the only thing that has changed is the balanceThe balance decreasing on what is seemingly a closed account, in no way betters my credit with the wrong info being reportedSomeone help pleaseThank you, *** ***

Initial Business Response /* (1000, 10, 2015/07/01) */
Thank you for forwarding the complaint from Ms*** ***
Ms*** brought her delinquent account current and UAC notified the repossession company
to stop the pick upUnfortunately, they did not get the electronic email in time and
continued
with the pick up of the vehicleJeff spoke with Ms*** on June 25, 2015, first to apologize
for the error, and second to waive any and all repossession feesIn addition, Ms*** is now
on a payment plan that she is satisfied with
I encourage Ms .*** to contact Jeff at *** extension number *** with any
further questions or concerns
Please contact me if I may be of further assistanceThank You
Sincerely,
Julie ***

Response received via e-mail to Revdex.com: "RE: Ms*** ***File No: ***Thank you for forwarding the complaint from Ms*** ***Ms*** and Mr*** *** purchased their vehicle on July 21, from CarHop and UAC holds their contract.I have worked with Ms*** with her
two previous complaints with the Revdex.comThe first was in February then a rebuttal complaint in March In March UAC agreed to accept a settlement agreement with Ms***, unfortunately she failed that agreementUAC is unable to change the accurate information we furnished to the credit reporting agenciesHowever, UAC is willing to work with Ms*** on another settlement agreement.I briefly spoke with Ms*** on May 31, where she stated she was busy and requested that I call her backI left Ms*** a voice message, but have not received a return call as of the time of this letterI encourage Ms*** to call me directly so that we may discuss another settlement agreement no later than June 15, 2016.Please contact me if I may be of further assistanceThank You.Sincerely,*** ***Customer Relations Specialist###-###-####"

Initial Business Response /* (1000, 11, 2015/09/04) */
Universal
Acceptance
Corporation (WA)
September 4,
***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
SRiver Ridge Cir
Burnsville, MN
RE: Ms***
File No:
Dear Ms***:
Thank you for forwarding the complaint from Ms***UAC sent Ms***'s
refund check on August 24, 2015; in addition UAC stopped her automatic payment withdrawal
Unfortunately, the number we have on file for Ms*** is no longer validJerry, a Senior
UAC manager sent Ms*** an email informing her of this information, but has not yet
received a replyI encourage Ms*** to contact Jerry at *** extension # *** if she should have any further questions or concerns
Please contact me if I may be of further assistanceThank You
Sincerely,
***
Customer Relations Specialist
***

I am rejecting this response because:I started calling UAC at the end of July into the beginning August 2016, to have the vehicle repossessed due to non-payment and continuous late payments and expired registration.I continued to call throughout the months leading up until December 22nd when I received the letter from *** *** *** *** *** *** stating that the vehicle was in their possession The vehicle was picked up by the Tow company with the date of possession as 12/11/16.I received this notice on 12/22/i spoke with the tow company after the holidays the vehicle was still in their possession and they had not spoken to anyone from UAC I Called the UAC the day I received the notice to let them know the vehicle had been picked up by the TOW Company.I received a letter from UAC dated 12/27/stating the vehicle was in their possession at this timeNext letter I received was dated for 2/22/17,I called to schedule payment arrangements for the $I was given a settlement payment of $to pay in months with my first payment of $due on April 10th 2017.I was told that on March 17th my account was sold to Autovest for the full amount of 6010.00.On 4/20/2017,Kate advised me that she was going to buy back my account,to give her a couple dayson Tuesday 4/25/17.on Thursday April 27th for Kate asking for the information showing that they were in possession of my account.I received a message on Thursday April 27th at 8:am stating that she would email me all of the details and then we could speak in regards to the settlement arrangement.I have yet to receive that email and have emailed asking for the information.While I was trying to have UAC repossess the vehicle a payment from an unknown individual for the vehicle with no information of the person making the payment was accepted. I have all documentation to confirm all information givenI have made several attempts to resolve this matter