United Auto Credit [UACC]
Reviews and Complaints

Got a truck loan through united auto credit when bought a truck at drive on time motores in searcy ar. Immediately had issues first with drive on time as the truck was a lemon. When you are missing all the bolds to hold a cab to a frame except 1 on a 1 ton that is an issue. Along with other stuff so had to get united involved and see if they could help. They convinced me to keep the truck so long as everything was fixed, and the truck was working as it should be I said yes ok. Fast forward couple months find out drive on time never sent paperwork to the state of ar. So basically truck still belonged to another owner. At the same time found out my turbos on the truck was bad and in process of getting it to be looked at the turbos went out and sent one of the fans into the motor and causing oil to go everywhere. When I informed united that this was all linked back to the beginning things and what are agreement was told we will take care of it have it looked at. So had it at a mechanics waiting to be looked at. The shop does the work for city and ambulance service. So it is a very good shop. They did not like the wait. Kept them up on what was going on. I also was not making any payments during this time as it did cause me to lose my job. All was discussed with them. Talking with 8 different people. They informed me the day I called up to say he was getting to it the next morning. That we are charging it off. Sents then I have asked for a executive to call me and nothing. I basically get ignored.

This company just called me 5 times in a ROW. My car is 30 days past due but I made a partial payment and explained to them that I have been in the hospital. They threaten to repo me constantly and horrifically. I had a customer service rep tell me I need to leave work and make a payment by 5 pm or he was putting in the repo and they have their records wrong. I made partial payments and they never keep track of it. This is the worst car loan company

Ever. It’s literally harassment at this point.

In October of 2016 I financed a vehicle with Tidalwave Finance. A year later United Auto Credit purchased Tidalwave and the hell begins... I make my payments to United Auto Credit then in 2019 I ran in to some issues that caused me to be late on a couple of payments but quickly got back on track. Then I started looking through my account with them and noticed my balance wasn't going down. I started off with a $10, 000 loan for 3 years and by mid 2019 I still had a balance owed of $7500! How is that possible paying on the car for 3 years with my payments being $342 per month. Do the math. So going back and forth with them got me nowhere. Then towards the end of 2019 I hit another issue and just said screw it my balance was not going down.

I called them and requested a voluntary surrender. They asked for my address and showed up in the middle of the night and repoed it. Why I was ready to hand over the keys. Bad company doing illegal stuff. Stay far away from United Auto Credit.

I called in asking for help with a deferment or anything to help through the holidays. The first woman I spoke with said she didn't know how they could help I needed to speak with a supervisor, she transfered me to Talea who was incredibly rude, stating we don't qualify for a deferment and they already helped us once by moving our due date so they can't help us anymore. I then asked can we just pay a few late? She stated we had one day but she could give us one week, and she stated she was sorry I couldn't comprehend that they had already helped us once by changing the due date and cant again. I explained I was insulted by that statement and I do comprehend, quite well as I do customer service for a living, and her customer service was horrible. Will not be using this company ever again.

I have a vehicle finance with this company for 2 years and it has been total hell. The representatives have poor customer service, they fail to keep their records accurate. They are harassers, by calling your phone 4 to 6 times aday. They call friends and family 3 and 4 times aday. I asked them several times not to call my work number. They only stopped after I let them know I as well work in collections and know the collection laws that they are violating. They were calling my job and home every day of the week. I finally asked for a cease and desist on the account. Unfortunately I received a call at my place of business. I recognized the number in the caller ID. The representative stated she called the wrong number. I immediately called back and of course a different rep answered stated she didn't know who called. She acknowledged the account is marked do not call and that managers are able to call. I advised her that cease and desist means that no one is able to call. I asked her to please notate the account for the record that I am calling regarding the call that was placed out to me.

We have a vehicle finance thru this company currently and we have had it for over a year! ..the first 10 months where great with no issue, well all these changed when I got ill and my spouse lost his job. He got a new job right away but since his first check was coming in 3 days late and wasn't going to be a full check plus I needed surgery and still needed to pay my co payment and doctor so, I asked for a payment arrangement and the lady I spoke to said it was fine and gave it to. Then once I paid my first installment that's when everything changed and got super ugly with this company! They started harassing me and my family, they stated that I broke my arrangement when I didn't pay a larger amount that I never agreed too and then when I was trying to explain the lady named Wendy told me to shut up and let her talk and after that I refused to speak to her so I wanted a supervisor and he was even worse! He accused me of trying to get out of paying my vehicle but yet obviously still I pay my cellphone and accused me of having bill collectors calling me and said it's obvious I can't afford nothing and said he is done doing business with me and wanted the vehicle back asap! .. He knew I needed this vehicle due to my illness and situation! So I had to postpone my surgery and sent in everything he wanted so I can keep it! But what's worse I still was getting harassing calls and they treated me worse then ever! I have never been treated so disrespectful and stereo typed before in my life!..Please STAY AWAY FROM THIS COMPANY! .. They don't deserve to be in business or have your hard working money.. and people still ask why am I still with them and it's simple I have never had a repo and my credit is ok but still not where my personal bank will finance me just yet but this company hasn't reported my payments and so far my payout is way higher then I still owe, so basically I am royal screwed to this company for another 6 months

I had a 2 year loan with them on my 2004 Chevy Avalanche and 15 months into (with no late payments and consistently paying a bit extra) I lost my job and fell behind...I tried to make a payment arrnagement to coincide with my unemployment payments and was treated as though I was the worse ### of the earth. I asked if I could make my regular monthly payment on the due date and then make an online payment each week when I received my check to catch up the 2 months I fell behind. I was informed that they NEVER accept a partial payment under any circumstances and I needed to pay the full amount at once or they would take the vehicle. I should also mention that the reason I fell behind in the first place was because I had to put in a new altenator and brake pads...I told the James (the rep I was speaking with) that I would need to get in touch with my parents to see if they could help out but would need a few days as they were away and also live 1000 miles away from me. He said that would be fine and he would call me back the next day to see where I was at-he never did and I called and left a message for him that I would be able to pay the back amount but needed about a week for the check to clear and asked that I be called back to confirm, which was not done. 2 days later they came and took the truck. I have learned my lesson to ALWAYS do some research on a company prior to signing the papers as this ended up costing me my new job as well because I ended up with no way to get to work 60 miles away. From what some of my peers have told me, they received better service from buy-here pay here lots than wth this company.
All I have to say is "buyer beware" this company is as bad, perhaps even worse, than the predatory mortgage lenders of several years ago,

i totaled this vehicle in sept. 08, the ins. company paid the finance company what the vehicle was worth, the gap ins. paid the finance comp. and i paid the rest of the money that was owed the finance company in 09, today on november 4th, 2011 i recieved a call from ms. wells that works for united auto credit saying i owed them more money. after 2 years why contact me now? i feel this company is a scam! and needs to be checked into!

Years ago (2005)when I was 19 I got a loan through UAC for a little over 10k. Tags and taxes was suppose to be added into the loan and they told me it would be but in the end it wasnt. I was never able to get the truck in my name due to lack of funds. about 6 months after I got the truck i lost my job and moved. Advised them I would do a voluntary surrender of the truck. They faxed me paperwork to sign but after reading it they wanted me to start paying on the amount due every month right away. They wanted me to pay more than my monthly payments at that. If i cant pay my monthly payments why would i give them my truck and pay them more every month. I got an attorny and he called them, talked to them and they called him an ### and hung up on him. They repoed my truck and sold it. Since than I have not received one letter or phone call from them. A few years ago I checked my credit reports and since they sold my truck they have been charging me almost $200 a month for non-payment. I think as of right now my credit reports say i owe almost 17k. Its the only negative thing on my credit report and I have tried calling for the past 2 years and get directed to a voicemail where no one EVER calls me back. They branch I origanially went to closed. Now im calling 800 numbers and getting the run around. Im now in the process of speaking to another attorney to see my options. Does anyone have any suggestions?

United Auto Credit Corporation Messed my Credit up for 9 month's. i was never late on payment's at all thay put it on my credit report as REDEEM REPO. We was wondering why we Could not Trade the Truck off at any dealer ship. Until one dealer told us why .then i took out the check book and showed the sale's person i was never late Ever since i bought the truck. the sale's person gave me the credit report too. United Auto Credit Corporation was checking my Credit report and saw i was trying to Trade that Truck off.thay wanted to Mess up my credit to KEEP me paying that 24% interest . When i Called them about them messing up my credit the guy told me oh how did that get on there and laughed about it. i told him i do not think it's a laughing matter when you guy messed up my credit for 9 month's .I could not trade that Truck off because of that on my Credit report.Ya thay fixed it but it was to late NO ONE WANTED THAT TRUCK NOW FOR A TRADE IN.

YES UAC CALLS AND CALLS THEY DON'T WORK WITH YOU LIKE OTHER PEOPLE THEY JUST WANT THEY MONEY I WANT A REFUND FOR MY CAR NOW! THEY ARE HORRIBLE THEY WILL MAKE YOUR BLOOD PRESSURE GO UP WITH ALL THE CALLS I BEEN PAYING FOR THIS CAR FROM CARHOP ALMOST A YEAR AND IT BREAKS DOWN EVERY 5MINS THERE CARS ARE A PIECE OF ### AND UAC ACT LIKE THEY CANT WAIT ON THERE PAYMENT FROM ME THEY ARE GOING TO GET THEY MONEY BUT WHY PAY FOR A CAR THAT BREAKS DOWN BUT I MAKE MY PAYMENTS AND STILL PAY FOR PARTS FOR THIS PIECE OF ### CAR THAT GETS ME TO POINT A TO POINT B I JUST WANT 3THOUSAND DOLLARS BACK AND THEY CAN KEEP IT AND KISS MY ### PEOPLE PEOPL PEOPLE IF YOU GET A CAR FROM CARHOP OR A LOAN FROM UAC DON'T DO IT CAUSE THEY WILL MESS UP YOU LIVES!1

I am married to someone who used to be married (20 yrs ago) to someone whose debt to United auto credit is now in collections. I don't know how they tracked me down since I have never met my husband's ex-wife who is the person they are looking for and we don't know where she is either. I am being contacted every 1-2 weeks for 6 months now after calling them back repeatedly to ask them to stop calling me because I don't know this woman and have never even met her. I have done some research and for those of you who wish to file a complaint here is some info you may find helpful:
To report an alleged violation of your rights and file a complaint against a debt collector, start by contacting your state’s attorney general. If your state has its own laws (in addition to federal debt collection laws) governing collection procedures, your attorney general’s office will know.
You can also contact the Federal Trade Commission (FTC) and file a complaint. The FTC does not resolve problems; it records complaints, and looks for patterns and trends about a particular business.
To file a complaint with the FTC about a debt collector’s practices, write to:

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

You can also file a complaint online in English, or En Español, or, call the FTC’s toll-free helpline at 1-877-FTC-HELP [protected]); TTY: [protected].
There is no federal license or registration required for collection agencies. However, in some states debt collectors must register or apply for a state license. Licensing requirements vary from state to state. Many states also require collection agencies to be bonded. In some states, such as California, there may have been prior requirements for licensing of collectors, resulting in state regulations being retained on the books of the state even after the regulatory agency has been disbanded. These regulations may provide additional details and support for legal arguments of what is considered proper. To learn more about the licensing and bonding requirements for collection agencies operating in your state, link to your state's collection law through Attachment A, www.privacyrights.org/fs/fs27plus.htm. If your state is not listed, contact your state's attorney general through the National Association of Attorneys General web site, www.naag.org.

You may also contact your state's consumer protection office through the federal government's Consumer Action web site, www.consumeraction.gov/state.shtml.

I discovered last Fri (3-19-'10) that United Auto Credit has me, on the Experian Credit Report, as having my '06 Suzuki repossed & I owed $7, 000+. The car was totally pd-off by my ins. co. & I even received a check for over $1, 000 fr UAC. This has been ruining my credit. This accident occured June of '08 & UAC has greatly blemished my ability to get a loan-for anything.
I ask that UAC contact me & settle this error. I am told also-it's illegal for UAC to have repossessed my car. My payments & ins. were current. I am having diffucility finding UAC's phone # but this is 2nd writing of problem.
Mabe UAC would like 2 buy me a new car? Instead of a lawsuit?
Seems appropiate.

We have had a loan with this company for the past 2 years. They constintly harass us. If our loan falls due on a Sunday I wait till Monday to pay it and before I even get up they are calling. They are very rude, hateful, mean and call multiple times a day till you make ur payment. My contract states there is a 15 day grace period, they even call before the due date. They have been told numerous time not to contact my husband at work, even by his employer, and they are still harassing him at work. They even went as far as contacting a man who lives down our street with a paper to give to us when we got 5 days late on a payment. We sitll have more payments with this company and I sure hope someone can find a way to put a stop to the harassment and the way this company treats people.

Very rude and unethical. a coupe of us want to do a lawsuit, we are in the same boat, how do we jump aboard!

My wife got a 2006 Saturn Vue through United Auto credit. She payed on time every single month for two years. The vehicle was totalled in an accident, and as most know that have had accidents, insurance only pays the actual cash value of the vehicle(acv). Well I had a buyer worked out for the salvage title and I would have been able to pay the vehicle entirely off. United Auto Credit said it would take weeks to get a title. Well I have worked in the car sales industry for years and I have never heard of any dealer being willing to wait a few weeks for their title. I know a loan company will not give you a title until they get their white slip so they ask you to trust them but they don't want to trust you ha. They said they are just going to take the insurances money and do it either as a charge off or as a repo. If they do it as a repo I have every intention of suing United Auto Credit because she has never been 30 days behind on a payment, in fact she has always been on time.

my vehichle i was buying threw the company i lost it in a house fire...i have tryed to contact them but the phone number and business has closed down... they have it on my credit report..i WANT IT OFF MY CREDIT REPORT..I HAVE TRIED TO CONTACT THEM TO SETTLE MY 2 THOUSAND WHAT I OWE ON THE VEHICHLE... NO RESPOND... HOW DO I TAKE THIS OFF MY CREDIT REPORT..

we were informed today that this company is closing there office in my area, We can mail in our payment to there cal office but I have been told from the start never mail in my payment because you can send it in weeks in advance but they always come in late at least in there hands but I can give them access to my bank account so they can take out the payment when they want BAD IDEA, so I can call in my payment or use the Internet and the charge is 15 dollars this fee was never in my contract been with this company three years never late and this is how they screw us I juess just because we have some bad credit all medical bills they can treat us any way they want guess what we can fight back if there is enough of us it is called a class action

I called to pay on my bill. This guy was a representative for United Auto Credit Corporation and he was very rude to me and ask if I could afford this car. I have been paying on this vehicle for the past 5 years. Toward the end of my contract. I got injured and had to leave my job. I have only 3-4 payments left on this vehicle and Im waiting my edd. They have no ideal that I m doing my best to pay off this car. I called and talk to another representative, and she did not give her name. She promised to call me back and never did. They are the most rediculous loan company I have ever had to deal with. If I could I would drag their name into the mud.