Universal Acceptance Corporation

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 8 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 1 year and 2 months of history for my recent car. To 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 2 and a half years. So I am wondering why I have no credit history for that vehicle. I 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 contacted Sam at Universal Acceptance and he is not willing to work anything out. they 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 2005 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.

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 me. further, 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 parties. I cannot express enough, the appreciation I have for the fact that Carhop/UAC did do exactly what they advertise. My experience does show their commitment to Joe Customer. I am not overstating the fact that this is a company that all people can go to for help in these crazy financial times.

Response received via e-mail to Revdex.com: "July 14, 2016RE: Mr. [redacted]File No: [redacted]Thank you for forwarding the complaint from Mr. [redacted].We at UAC take customer service very seriously. We appreciate the details Mr. [redacted]provided regarding any experience where he felt he...

received service that was less thanprofessional. With that data, we can research the example to provide any training opportunitieswhere needed.Andrea spoke with Mr. [redacted] on July 9, 2016 and resolved this manner to Mr. [redacted]’ssatisfaction. I encourage Mr. [redacted] to contact Andrea at ###-###-#### extension number3589 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###-###-####"

Initial Business Response /* (1000, 11, 2016/02/16) */
RE: Mr. [redacted]
File No: [redacted]
Dear Ms. [redacted]:
Thank you for forwarding the complaint from Mr. [redacted]. I spoke with Mr. [redacted] on
February 15, 2016 and confirmed that UAC mailed out his overpayment check on February...

8,
2016 to his home address. Mr. [redacted] will be calling me this week to confirm that he received
his check.
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
[redacted]
Initial Consumer Rebuttal /* (2000, 13, 2016/02/26) */
The consumer indicated that he/she ACCEPTED the business response.

Response received via e-mail to Revdex.com:February 16, 2018VIA E-MAIL ONLY- - [redacted].[redacted]@thefirstRevdex.com.orgRE: Ms. [redacted]File No: [redacted]Thank you for forwarding the complaint from Ms. [redacted]. Ms. [redacted] purchased the vehicle from CarHop on 04/26/14 and Universal Acceptance Corporation (UAC) (MN) held...

the contract. The purchase included both a three day Satisfaction Guarantee and an 18 month / 18,000 mile limited warranty, which covers major internal engine and internal transmission components, as well as the drive train. The vehicle had a clean and clear Experian Auto Check prior to its sale.Our records indicate that Ms. [redacted] agreed to an $800 settlement offer and made her last payment on January 26, 2018. At that time we furnished the credit reporting agencies with Account status code 13 “Paid or closed account / zero balance” and a special comment code of AU, “Account paid in full for less than the full balance”. I have confirmed with all three Credit Reporting Agencies (CRA’s) that our information furnished is accurate. Unfortunately, we are unable to change our furnishings.Please contact me if I may be of further assistance. Thank You.Sincerely,Kate [redacted]Compliance ManagerPhone ###-###-####

I am rejecting this response because:I have filed multiple disputes with the credit bureaus, if you file a dispute your report is updated as soon as the company responds to the complaint which reflects the "New" information the company has reported through the investimation for the dispute. I have spoken to the bureaus on multiple occasions and and have been sent multiple letters stating that the result was "No change". Which says that the company is still reporting inaccurate information and has been disputed multiple times only to repeatedly report wrong info. If there is an open dispute it would make no sense for the disputr to be closed out and then updated in "30-60 days". The bureaus report the info received following a dispute immediately, with the last dispute showing "No change" in what's  been reported to them. Therefore the wrong information is still being reported.

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, 2014 and UAC holds his contract. I consulted with...

CarHop and they informed me that in 2015 CarHop assisted Mr. [redacted] with non-covered repairs as a good will gesture. Mr. [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 paid. We do clearly disclose the price of our vehicles prior to sale in two separate locations. First, in the “Non-Binding Offer to Purchase. Second, 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 assistance. Thank You.Sincerely,Julie [redacted]Customer Relations Specialist###-###-####"

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 03/24/17 and Universal Acceptance Corporation (UAC) (CA) holds hercontract. The purchase included both a seven...

day Satisfaction Guarantee and an 18 month /18,000 mile limited warranty, which covers major internal engine and internal transmissioncomponents, as well as the drive train. The 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 me. I am happy to apply the $175.00 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, 2017 sothat I may assist her before her next payment is due.Please contact me if I may be of further assistance. Thank You.Sincerely,Kate [redacted]Compliance Manager###-###-####[email protected]

Received business response via e-mail to Revdex.com:
"RE: Mr. Neal F[redacted]
File No: 57324332
Thank you for forwarding the complaint from Mr. Neal F[redacted]. Mr. F[redacted] and Mr. Orest
M[redacted] Jr. purchased their vehicle from CarHop on September 24, 2014, and Universal
Acceptance Corporation (UAC) (CO)...

holds their contract. It is important to mention that Mr.
M[redacted] filed a Revdex.com complaint on CarHop in January 2016 for non-covered repairs.
I have left numerous voice messages and e-mails for Mr. F[redacted]. Unfortunately, Mr. F[redacted] has
not returned my messages. We kindly request that Mr. F[redacted] contact us at 1-800-414-2622 to
resolve this matter.
Please contact me if I may be of further assistance. Thank You.
Sincerely,
Julie S[redacted]
Customer Relations Specialist
952-767-4359"

I am rejecting this response because:
The response given by UAC is false. I receive alerts every time something is reported to credit agencies. I received an alert and see that UAC reported that I was in collections/chargeoff, and that I made an arrangement after the fact. This is not true. I made an arrangement in November of 2017, when my account was a little over 30 days past due. UAC continued to report that I was not making payments for the next two months, even though I was making the payments agreed to, on the days requested, which eventually amounted to the sum of 800.00. Therefore, when I made the final payment they claim the account was 84 days past due, when they were aware that the payments I made was never reflected in my account. It was reported that I was in collections, when I was not prior to making the arrangement. I spoke with Jason to confirm that the payments I was making were not being reflected on my account after checking online. My account still showed the balance due before the arrangement was made. Jason told me that the payments would not reflect because it was something he was doing and the agreement is not binding until I made the last payment, after I was one payment from the agreement being completed. These practices put me in collection status even though he knew I was making the payments required. I would not make an arrangement and still get negative reporting while I was paying on the agreement. I was not in collections prior to the arrangement. For them to say this is dishonest and simply not true.  I made the arrangement to stop the negative credit reporting and they use it to report negatively anyway. There are plenty of recorded calls, and emails that can prove this is how they conducted the arrangement between us.  I was told that the reporting would state that it was settled for less than the original amount, which would have been about 1400.00 from an original 10.000.00 account.

Follow-up response received via e-mail to Revdex.com, 5-16-17: RE: Ms. [redacted]File No: [redacted]Thank you for forwarding the complaint from Ms. [redacted]. As mentioned in theprevious complaint, Ms. [redacted] purchased her purchased her vehicle from CarHop on September14, 2015 and Universal Acceptance Corporation (UAC) (CA) holds their contract. The purchaseincluded both a three day Satisfaction Guarantee and an 18 month / 18,000 mile limitedwarranty, which covers major internal engine and internal transmission components, as well asthe drive train. The vehicle had a clean and clear Experian Auto Check prior to its sale.Since our last response on 4/28/17 we have provided Ms. [redacted] with documents showing therepossession and sale of the vehicle, and that UAC once again holds the retail installmentcontract.Ms. [redacted] and I have been in communication regarding a settlement on her account; I’mcurrently waiting for her response as to what days she is paid so I can enter the final settlement inour system. I encourage Ms. [redacted] to contact me at the number below if she should have anyfurther questions or concerns.Please contact me if I may be of further assistance. Thank You.Sincerely,Kate [redacted]###-###-####

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, 2015 and Universal AcceptanceCorporation (UAC) (CA) holds their contract. The...

purchase included both a three daySatisfaction Guarantee and an 18 month / 18,000 mile limited warranty, which covers majorinternal engine and internal transmission components, as well as the drive train. The vehicle hada clean and clear Experian Auto Check prior to its sale.Our records show that in August of 2016 Ms. [redacted] called UAC and authorized a 3rd party,[redacted], to discuss and make changes to the account. Ms. [redacted] hadpossession of the vehicle. Ms. [redacted] then contacted UAC in November of 2016 to ask that thevehicle be repossessed. On December 23, 2016 the vehicle was repossessed. UAC 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 contract. In addition we agreed on a settlement offer on her account. I 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 assistance. Thank You.Sincerely,Kate [redacted]Customer Relations Specialist###-###-####

Response received via e-mail to Revdex.com: January 17, 2017RE: Ms. [redacted]File No: [redacted]Thank you for forwarding the complaint for Ms. [redacted]. Ms. [redacted] and [redacted]purchase the vehicle on February 4, 2014 CarHop. The vehicle was financed with Universal...

AcceptanceCorporation, (UAC) (MN). Ms. [redacted] is listed as the Co-Buyer on this account.Upon investigation Ms. [redacted]’s vehicle was disabled for non-payment on January 9, 2017. At the time ofMs. [redacted]’s calls on the morning on January 9, 2017 UAC had not yet been notified by our vendor that thevehicle was disabled due to a system issue with the company that services our Payment Interruption Devices(PRD’s). We were not notified until later in the day.Cecilia [redacted], a UAC manager has communicated with Ms. [redacted] and reimbursed her for the money paidfor a tow due to receiving misinformation. At this time, Ms. [redacted] is pleased with the outcome.I encourage Ms. [redacted] to contact me at the number below if she should have any further questions.Please contact me if I may be of further assistance. Thank You.Sincerely,Kate [redacted]Compliance ManagerPhone ###-###-####

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, 2014 and Universal Acceptance Corporation (UAC) (CA)holds his contract.We at UAC...

take customer service very seriously. On that note, we appreciate the details Mr.[redacted] has regarding any experience where he felt he received that service that was less thanprofessional. With 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 with. I 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 assistance. Thank You.Sincerely,Julie [redacted]Customer Relations Specialist###-###-####"

Initial Business Response /* (1000, 5, 2016/01/29) */
RE: Mr. [redacted]
File No: XXXXXXXX
Dear Ms. Keate:
Thank you for forwarding the complaint from Mr. [redacted]. Mr. [redacted] spoke with UAC manager, April on January 23, 2016. 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 1891 if he should have any further questions or concerns.
Please contact me if I may be of further assistance. Thank You.
Sincerely,
[redacted]
Customer Relations Specialist
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2016/02/08) */
The customer indicated that he/she ACCEPTED the business response.

Initial Business Response /* (1000, 17, 2015/06/03) */
Dear Ms. [redacted]:
Thank you for forwarding the complaint from Ms. [redacted]. We at UAC take customer
service very seriously. On 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 her. UAC 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 UAC. I encourage Ms.
[redacted] to contact her [redacted], her account manager at [redacted] extension [redacted] with any
further questions or concerns.
Please contact me if I may be of further assistance. Thank You.
Sincerely,
[redacted]

Response received via e-mail to Revdex.com:February 16, 2018VIA E-MAIL ONLY- - [redacted]@thefirstRevdex.com.orgRE: Ms. [redacted]File No: [redacted]Thank you for forwarding the complaint from Ms. [redacted]. Ms. [redacted] purchased the vehicle from CarHop on 04/25/11 and Universal Acceptance Corporation (UAC) (WA)...

held the contract. The purchase included both a three day Satisfaction Guarantee and an 18 month / 18,000 mile limited warranty, which covers major internal engine and internal transmission components, as well as the drive train. The vehicle had a clean and clear Experian Auto Check prior to its sale.Our records indicate that Ms. [redacted] made her last payment 2/20/14, and a lien release was sent to her on 3/10/14. We agree that the retail contract was paid in full. On March 1, 2014 we furnished the credit reporting agencies with Account Status Code 13 “Paid or closed account / zero balance” and Special Comment Code 0, “Current account zero – 29 days past the due date” I have confirmed with all three Credit Reporting Agencies (CRA’s) that our information furnished is correct. Unfortunately, we are unable to change our furnishings.Please contact me if I may be of further assistance. Thank You.Sincerely,Kate [redacted]Compliance ManagerPhone ###-###-####

Initial Business Response /* (1000, 6, 2015/09/14) */
September 11, 2015
[redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
[redacted]
[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, 2014 and UAC (MO) holds his contract.
In April 2015 Mr. [redacted] voluntarily returned his vehicle stating that the vehicle was not having any mechanical issues but he no longer needed nor wanted the vehicle. UAC 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 assistance. Thank You.
Sincerely,
[redacted] Sterbenz
Customer Relations Specialist
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (2000, 8, 2015/09/24) */

Initial Business Response /* (1000, 5, 2016/01/25) */
"Thank you for forwarding the complaint from Ms. [redacted]. Ms. [redacted] purchased her vehicle from CarHop on February 14, 2014 and UAC holds her contract.
To best assist Ms. [redacted] I consulted CarHop. CarHop informed me that an...

inspection test was preformed and passed in September 2013. The inspection is valid for one year. CarHop's limited warranty does not cover continued yearly inspections. It is the responsibility of each
customer to maintain and have yearly inspections as each state requires. Ms. Hennigan would have to have her vehicle re-inspected yearly every September at her cost.
To confirm UAC standard procedure, we do contact customers who fall behind on their payments to help them keep their account in good standing. Currently Ms. Hennigan is delinquent in her contract. On January 15, 2016 during a recorded call, Ms. Hennigan requested that UAC retrieve
her vehicle. The UAC agent attempted to explain the repercussions of a voluntary repossession and that Ms. Hennigan is still responsible for her contract. Unfortunately, Ms. Hennigan ended the call. I encourage Ms. Hennigan to contact Ed at UAC at X-XXX-XXX-XXXX extension number
2957 so that he may finish explaining and help with any questions or concerns.
Please contact me if I may be of further assistance. Thank You.
Sincerely,
Julie [redacted]
Customer Relations Specialist"
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Stop the lies, you all know I broke my right leg November 2 nd of 2014 and knew I could not drive to get the car inspected and was off of work on leave with half of my income. So what it was a few months overdue at the time!!!... I was told it would be 3, ooo dollars to get inspected by your outfit!! The car is not worth it. it's a 2001 with 120 thousand miles! The cars engine light was a few months after I fiancee the old run down vehicle. Timing would not have mattered. The car is garbage. I'm not paying for a car that will not pass INSPECTION. Bottom line. I only had the car two years. I had nothing but problems. Right after I talked to UAC they started calling my references like vultures. I'm tired. I want a trade in or all of my money back that I put down on the car. There are so many people that complain about CarHop and UAC. I am getting treated like a thief andI'm not. LET ME TRADE IT IN FOR I WILL FIGHT FOR MY RIGHTS.