United Auto Credit [UACC]
Reviews and Complaints

I have been harrassed after having a perfect payment status for the past 3 years, I called in the begining of March to let them know that was returning my vehicle and that I wanted for them to make arraigment to pick it up. They have called my phone, and my work harrasing me and treatening me, when I have asked them to pick up the car. Two weeks ago "JEFF" called and my girlfriend answered the phone. It was told to my girlfriend that if we returned the vehicle the Company would take the payments out of the bank and thatwe would pay the vehicle regardless. I wonder if this is LEGAL...Anyway the vehicle has not been paid, does not have a tag nor insurance and is parked at my house awaiting for these people to decide what they want to do with their vehicle.

UACC is the worst...I hate having to deal with them also! I will be so elated when I am done with this loan and I tell everyone I can NOT to get financed through this company. Even if they are the only ones willing to finance you DON'T DO IT! You will really be sorry!

United Auto Credit is worse than dealing with a bill collector. They are unreasonable and extremley RUDE. Aside from calling EVERYONE that
has the same last name as me they will also provide info to people that have
nothing to do with the situation. I hate having to deal with them.

I've called the better business bureau 3 times about this company. I've been yelled at by their associates, hung-up on, called a child (after my payment was only 2 days late)! They never want to work out an agreement with me for late payments and constantly harass me over the phone, at work, and will call my listed refrences over and over again! Its absured. My payment has never been more than a week late, which is before the late fee is incurred, so why are they being allowed to haress me? Bad businsess handlings is what they are all about.

They called me BEFORE my payment was even due and asked when I was going to make it. I may have been a day or 2 late depending on when I got paid during the week but never more than that. They call everyone I know asking whats going on eventhough its only been a day late. My mother recieved a call from them and they were very rude and when she asked how far behind I was and they said a day she flipped out on them. I may not have the best credit in the world but there is no excuse for the way they treat thier customers. Maybe if they didn't call all of thier customers a day late and harrasing them like they do they might be able to cut out some of thier costs and dare I say it give people a slightly lower interest rate. I've already paid my car off and I still have another 2 years of payments because of thier sky high interest rate. This is the worst company I have ever dealt with and I will never ever deal with them again. If I need a car and thier my only option I'll just go but a beater for a while I am never ever going to have anything to do with them ever again!

I totally agree. This company is very rude. I understand that their job is to collect funds but sometimes they go a little too far. I keep communication with them before im late advising them of late payment. But they constantly harass me and call several times a day. My car is falling to pieces but i continue to pay. They dont even take in acct that I had to get a alternator replaced, and now a O2 Sensor along with other sensors within 3 months of ownership. They have no sympathy at all. The only reason I went with them is because I need to rebuild credit. Next time i will go to my bank for loans.

This is totally true. I paid my note on time for 20 months and was late once. The next day I recieved call after call after call. What makes things worse is my payment was due on a sunday. No mail delivery. So, instead of giving it a few more days, they just start calling on monday. The people were rude and very nosey as to why I didn't pay on time. Then, the person on the other end began berating me about mailing the check and not using western union like they wanted me to do. So, as long as payments are on time there is no problem. Avoid this company if you can. I wish I did.

After getting txt msgs from UACC i was so pissed and i wanted to just give the dammm car back.I wasnt even 2days late on my payment...Im glad they're closing down.[censor]ESSSSSSSSSSSSSSSS

I agree! Those ### have reported 11 repossessions on my credit report and refuse to even speak with me when I attempt to contact them. They just keep repeating the same refrain "we are well within our rights Miss" My credit is ruined because of them. I can't buy a home, I can't get a car loan, I can't even get a small personal loan or credit card! I've done everything I can think of to get these errors on my credit report fixed but nothing seems to be working! I only hope that I'm not forced to wait 7 or 10 years before they are removed. I can't continue to live like this!

I got a loan with United Auto Credit a couple of years ago. Since then this company has made my life HELL! They have harassed and embarrassed me on numerous occasions! They have demeaned me and my character. They have lied to me about an extension! They call before payment is due! They call everyone I have ever known and demand that they contact me and then tell them I don't pay my bills! They have demanded that my neighbors, that don't even know me, come knock on my door! They tell them that I am not paying my payments and that they need to come knock on my door! They have sent people to take photos of my car! I called to tell them I was going to be about three days late and they told me to just bring my car back right now and they don't want to do business with me! They have cursed at me! Yelled at me! Threatened me! Been Rude! Unrelenting! Passionateness! Just straight FREAKS!

I heard they are not doing loans any more! YAY But that they are still doing collections on the already open loans. Is this true? These people deserve to be burned. Can some one tell me if there is any way to get out of paying them without a repo? These people have been well compensated for the harassment that they have put me through! Please let me know? Mandy mandybeegle@yahoo.com

Their employees harrass, are rude and call at my employment. Given that my place of employment has cut down on my working hours I have had to make my car payment late and they keep harassing and being sarcastic. Their method of collection is so unprofessional, they lie and don't keep their commitment.

THey are still in business... It comes up Adamson Ford- on the caller ID.. they constantly called for no reason. Payment made early. Lied and said that they were Adamson Ford, and I dont think that the owner of that business would appreciate it. They just aren't kosher.. something isn't right with a company that has no phone number with their name on it.

I never heard of Visa or Bank of America using those kind of tactics... It's funny listening to you UAC idiots...

I had the same problems with them when I had my loan. It doesn't get any better after you pay them off. You won't get your title (or lien release - depending on which state you financed the vehicle in). I suggest checking your credit report. I'm sure any day late or week late payments are reported as more than 30 days past due. Also, check for repo's on your credit. They reported my vehicle as repo'd ever single month for almost a year, then I paid it off and it still showed repo and a balance due. They refuse to fix the problem to this day and its been almost 3 years. My credit and basically my life has been destroyed because of United Auto Credit! Sue the ### I say, it seems it will be the only way I can get any of my problems with them resolved.

I complety agree with everything you stated. I had a similar problem with this company. They went as far as to tell my co-workers that they were bringing a tow truck to my job and will it fit in the parking structures. They called every one of my references, making comments to them such as I needed to be a woman and pay my bills on time. This was after financing a car that was almost paid off, because of being a couple of days late. Even after speaking with an employee of the company they denied everything. This company United Auto Credit is located in So California, if this is the same company please contact me nicoyakeclark@yahoo.com

united auto credit do have some bad apples (Melissa Maddox) who suppose to be a manager for the office in
Cartersville, GA but not all of them who work for them are bad.I have reported them to BBB because of their policy and their customer service.Now i would not recommend any one to deal with this company at all.I have had it with them and i only have 10 months to pay for my car why would i want to lose it.All i can say is spread the word everybody need to know this!

United Auto Credit Corp is the most unprofessional company that I have ever dealt with, I assure you that I will never work with them again once my loan is paid off. We have had a loan with them since 2008, and everything was working out very well with the local office. We only had 1 time that we were late due to medical problems. But the local office worked with us to let that months payment go to the end of our loan. Then, our local office had to close, and that is when all of the problems began. Since it closed last year, every other month... we are given a NEW BILLING ADDRESS to send our payments. At 3rd address we had to send it to, they lost our payment with in their office and found it a MONTH after we sent the payment. IN THE MEANTIME... I had been harrased at home and at work about our account.
We had to short a payment by $20 due to other expenses we've had to endure. We haD been harrassed everyday to get the money to them. They had also told us that with our next payment... we needED to MONEY GRAM them the money. SO... PAY EXTRA TO GET OUR PAYMENT TO ANOTHER LOCATION THAT MAY LOSE IT! NO WAY.
Now we are on a 5th address to send it to, and the calls still come even before a payment is due. NO MORE MISSES NICE GIRL! CANT WAIT TIL THIS IS PAID OFF

I hate United Auto Credit. I was 2 days late on a payment and they called me 3-4 times a day even at work to tell me that they were going to repo my car. I was in the damn hospital the prior week with meningitis. Do you think they gave a damn? No. I will never get another car loan from these ###s.!

I was paying off my loan, last payment and I was soooo happy; then they took payments out of two of my accounts which left and overpayment on my loan account. Now I have to wait 21 until I receive a refund. It doesn't take 21 day for them to take my payment so why does it take 21 days for them to pay me.

united auto credit has some of the stupidest son of a ### ever to work for a company mainly those clowns in greensboro nc namely RHONDA, TJ, DORIAN, MISTY the day will come when those mf's probably will go out of business

I HAVE CONTACTED MY ATTY. AND I AM LOOKING INTO THE POSSIBILITIES OF A HARRASSMENT CASE. THESE DIRT BAGS NEED TO LEARN

THIS COMPANY IS LOADED WITH ### WHO HAVE NOTHING BETTER TO DO THAN CALL AND HARRASS PEOPLE. I TOO HAVE A LOAN AND THEY ARE SO QUICK TO CALL IT SHOULD BE CRIMINAL.

UAC ALL OF A SUDDEN JUST CLOSED SHOP AND SENT A PERSONAL TYPED LETTER 3 WEEKS AFTER THE FACT OF THIS CHANGED. I HAD TO FIND OUT BY GOING TO MAKE A PAYMENT AND JUST HAPPENED TO LOOK UP AND READ A SIGN ON THE DOOR. THANK GOD MY HUSBAND DIDN'T DROP IT OFF BECAUSE HE WOULD HAVE JUST PUT IT IN THE DROP BOX AND LEFT. AND WE KNOW THE REST...SORRY WE NEVER RECEIVED YOUR PAYMENT. FURTHER MORE WHEN I FINALLY GOT WORD OF THE RELOCATION, I WOULD SEND MY PAYMENTS TO THE ADDRESS ON THE RETURN ADDRESS WHICH IS SOMEWHERE OTHER THAN BIRMINGHAM. YES SOMEONE NAME "STELLA" BEGAN CALLING MY EMPLOYMENT, FAMILY AND FRIENDS DAYS BEFORE I WAS AWARE OF THIS CHANGE. I FINALLY GOT HOLD OF HER AT MY JOB, BEING A NURSE, I TOLD HER I HAVE PATIENT'S AND DON'T HAVE TIME TO DISCUSS ANYTHING WITH HER AND HUNG UP. I ASKED IF SHE KNEW THERE WAS A LAW THAT PROHIBITS BILL COLLECTORS TO CALL SOMEONE ON THEIR JOB AND HARASS THEM 20 TIMES A WEEK AND THAT SHE HAD TO MUCH TIME ON HER HANDS, SHE DOES NOT NEED TO CALL ME BEFORE MY PAYMENT IS DUE AND SORRY YOUR PAYMENT IS BEING MAILED D/T YOUR RELOCATION. I AGREE THIS IS TOTAL BULL...!

wow i thought we was the only ones this ### happened to all the rudeness all the calling, all the hanging up. we had only a year left to go we fell on hard times like everybody. we set arrangements with them yet they still repoed our truck. they told us to pay the late stuff and you can have it back we said ok and offered two payments in advance and they said nevermind your not gettining it back. these people are the rudest most horrible mother###ers i have ever dealt with in my life.i hope all thier so called customer services mother###ers lose everything they ever worked for and rot in hell...

I TOO HAVE BEEN HARRASS BY THESE PEOPLE THEY DO NOT UNDERSTAND PEOPLE HAVE PROBLEMS. THEY DONT WORK WITH U AT ALL. JUST CALL N CALL. I WONDER IF THE SHOE WAS ON OTHER FOOT HOW WOULD THEY FEEL. LIKE CRAP ALSO.
I WAS A MONTH BEHIND AND GAVE THEM A DATE TO PAY. BUT THEY WOULD NOT ACCEPT IT.
THEY DO NOT HAVE CUSTOMER SERVICE SKILLS AT ALL. THE COMPANY HAS VERY POOR REPRESENTATION. NO PEOPLE SKILSS. THEY NEED TO BE REPORTED TO THE BBB.
THEY COMPANY SUCKS AS A WHOLE. NEVER AGAIN WILL I GET FINANCED WITH THEM.

After reading these reviews 10 months ago, I was hesitant to go with United Auto Credit, but did because of being able to get financing with bad credit. I must say though that I have had a totally different experience with them. I have never been late on a payment, and most months I call them on the day payment is due to do a check by phone, UACC has never called me or any of my references. I also monitor my credit reports, they post to all 3 bureaus every month. I am very happy with them, besides the high interest, but understand with having bad credit

LaKendra...you need to contact a lawyer or even better sic this guy on them...http://www.budhibbs.com/

Bud Hibbs is here to help the consumers fight against unlawful collection practices. I went through his website to find an attorney to take a case for me involving a collection agency in Atlanta (Fredrick J Hanna & Assoc./LVNV ). I WON...and everything was dropped BECAUSE they had threatened to garnish my wages AND they called my mother-in-law who lives in the same town and discussed my financial issues with her...another direct violation.

If everyone on here would STOP complaining in here and really step up and so something I think we could fight their illegal tactics!

I too am a victim of united auto credit. One of the collectors/representative that work for united auto credit called by job and left 6 different voice mail messages regarding detailed information about my account.

I was a little over a month late on my payment. the representative was very rude and abrasive. On the voice he stated such information as how much i was past due, how long i've been past due and that my wages are going to be garnished and vehicle even repossessed. This is a direct violation of the debt collection act for the state of MI. They are the worst company. They are not willing to make payment arrangements with you and they will harass everyone they know regarding your payment they even contacted my boss and left detailed information about my account. Not to metion the same voice mail messages that were left on my work phone were also left on my parents house phone.

These people are the worst. I admit I have been late with my payment and always payed the late fee plus some . come to find out the extra money I've sent has been put into another account instead of going towards my car payments. money just sitting there not being used. They call 8 times a day even when you talk to someone you make payment arangement they want you to call everyday untill you make the payment who has time for that. and the why they talk to you like your nothing . I'm a single mom trying to make ends met.

Some guy came to my job, I wasnt there but my co-workers say some guy in a white shirt and tie showed up, they said he was very uneducated by the he way he spoke, he just kept saying he was from United Auto Credit, finally security came and grabbed him and he was yelling that he was going to call the Sheriff? What an idiot, we often watch the video of the whole episode and get a pretty good chuckle out of it. A week later some kid left a message on my cell, saying he was the branch manager, he sounded like he was 16, anyway he said that they had missapllied my payment to another account, they have corrected the error, just left it on my message machine.

No apology for sending that idiot to my workplace when my payment was really on time, what a bunch of ###s, absolutely the worst example of professionalism, idiots... but the video of security thowing that idiot out of the building and the look on his face, priceless

terrible company I have thought about returning my car and getting a cash deal.

I always pay my car payment on time and they always lie and tell me I was 2 to 3 days late when I send my payment out 2 weeks in advanced.

Beth I understand exactly what you are going through, I thank GOD that I just made my last and final payment to UACC. They did the same things to me, calls BEFORE payments are due, cussing and name calling, I have been called a B***H, told that they would come and get my vehicle when i was 6 days late. I am not perfect and alot has changed since I first signed with UACC, moved to another state, changed jobs, lost my husband, had two children, things change and yes sometimes i was late on my payments however I was NEVER more than 10 days late. And I repeadily was threatened that I would wake up and my vehicle would be gone if i did not make a payment IMMIDIATELY! And yes when they called it got to a point where I just stopped answering, three years of their crap and its finally over! When I would call them to let them know payment would be a week late, I was yelled at and screamed at, I was told to prioitized my bills and budget better. when the instance was I had moved to another state they said just cause i move doesnt mean my payment wasnt still due----i know that-but if youve ever moved from indiana to texas--things get hectic. and who can forsee loosing a job, having kids, going on maternity leave, i mean come on. this is just a terrible terrible company, I really am not exagorating, they really are this bad, and if I knew I could take them to court and win I would! No one should ever have to be bullied, screamed at, threatened, by a company or anyone else for that matter.

Do you all want to know what my advice is, and I'll post this to all of these listings...if they are seriously engaging in illegal practices, ...do yourselves a huge favor and GET AN ATTORNEY! That will put a stop to it for once and for all!

I have been dealing with UACC, for 4 years. I recently made a phone call to pay my balance in full, not only did I have to jump thru hoops to get a balance(which i had already calculated, i just wanted to confirm the amount) the amount they gave me was a $900 difference! I asked to speak to a manager, who was rude and uneducated(no suprise there).Her explanation for the $900 difference was a 1 time late fee of $5, and a 1 time fee of $60 to have someone knock on my door? Do the math that does not add up to $900. So for the last 48 months I was only late (by 2 days) once, and why they had a door knock fee of $60 SHE STILL COULD NOT EXPLAIN. I would rather have CANCER than to deal with UACC! PLEASE STAY AWAY FROM UACC AND THE PEOPLE THAT REPRESENT UACC.

I am sorry to hear about your bad experience with this company. As a current employee of UACC, the best thing that could have been was for the collector to apologize and work on getting your money back plus reimburse any overdraft fees. I have been guilty of doing this twice and both times I was able to get the issue resolved by reimbursing the over amount plus NSF fee's that the customer incurred. I have heard stories of some offices being way to aggressive with customers. This is not the way to do business. I am fortunate enough to work for a branch that performs very well because our customers, for the most part, call us back. Why you ask? Because we treat all our customers with the respect that is deserved. We are a sub-prime lender. We lend to those that can not get financed by a prime lender like Wachovia, Capital One Auto, Wells Fargo Auto, etc... It is expected that customers are going to be late. Some of these reps just take it way to personal.

But just keep a couple things in mind:
1) These are no grace period loans, that means they are due on or before the due date. It is best that you call on your due date if you know you can not pay on time for any reason. Otherwise, the calls will start at one day past due.

2) Be prepared to give proof as to why you are late. The most common reason I get, especially in this economy, is "my check is short because they cut back some hours". So I ask for a paystub and make arrangements. I also get, "I had to pay $XXX for repairs" and they fax me a paid receipt. 99% of the customers I talk to, do not mind giving proof.

3) Have a solid plan in place as to when you can pay and where the money is coming from. I get tons of poeple that are due Tuesday or Wednesday and said they can pay Friday because that is their pay date. I am always fine with that.

4) Once an arrangement is made, be prepared to call in every morning to call in and confirm your arrangement. About 90% of my customers are ok with this.

This is the best advise I can give to any UACC customer.

I wish you the best :)
JG

We are in the same boat, we filed bankruptcy and kept the car and the loan. After the bankruptcy was final that will not report to the credit companies, they won't even send a statement each month so I know where to send my payment. Yes, they have change addresses three times in the two years I have dealt with them and the only way I find out about the change is when they call and [censor] because the payments late. I wonder if my credit is worth it or if I should just let them have the car so I don't have to deal with the stress anymore.

UNITED AUTO CREDIT IS THE WORSE COMPANY I EVER DEAL WITH IN MY LIFE, THEY WILL CALL EVERYBODY THEY KNOW TO HAVE YOU PAY, THEY EVEN CONTACT MY EX-HUSBAND I HAVEN'T TALK TO IN 7 YEARS BECAUSE HE IS STILL SHOWING ON MY CREDIT REPORT AS MY HUSBAND. THEY CALL AT WORK AND WITH HARRASMENT TACTIC EVERYDAY.
I WILL BE FILING A COMPLAINT WITH THE BUSSINES BUREAU, THEY HAVE TO STOP AT ONE POINT.
AFTER A BIG LAWSUIT THEY LEARN TO RESPECT PEOPLE, WHY INVOLVING MY FRIENDS? AND BOTHER THEM TOO.
THE WORST NIGHTMARE EVER.

Before your credit was ruined through no ones fault but your own, I'll bet you didn't answer those phone calls either.Bet you have a $500 cell phone and a flat panel TV too.If you have never heard of the finance co. before it's because you don't pay your bills

I completely agree with all negative comments that have been posted especially with the gustapo comment. There is a law that has been violated on many occasions with UACC called the Fair Credit and Debt Act. There is an ammendment also. This explicitly states that no person can come to one's work for collection. I have been been reported with good credit and paying on time with my loan for the past 32 months. However, I have had "a branch manager" visit my place of employment and home the day after my payment was due. Not only that, but UACC failed on two occasions to simply check their night drop, and in turn haggled me for the entire day. I have sent ceritfied letters stating that they are not allowed to contact me at work or school and yet they continue. This is in direct violation of Texas state law mind you. Also, the so called "branch manager assured me that if I gave him a different contact or reference that his company would leave me alone at work and school. Did they? No way, in fact they continued and just lumped the new contact in with the harassment. They have left personal information of mine in public places that have been found by neighbors that stated, "this was in the street!" I have always wondered why (like any reputable company) they do not use the mail. I guess that would be asking too much seeing how it is federally regulated. I have had the worst experience with UACC and have even formed a protest group to pick in public forum in front of their office. What happened to INTEGRITY? I guess this company does not have an etics code or even company values because anything goes with UACC. Good luck to all.

UACC it is a GESTAPO, if you don't pay on rigth time, you have to pray, They will call everyone, to find you, they don't care wich way you going to find a money, you have to pay on the due date. They drove my friends crazy, at my work to. That is no talk, even if you explain your financier situacion, like me single mom of 6 months old baby, lost a job, no money for nothing, they care? NO, do I have to rob?, well because of them, I will return my car to the dealer. I just have to say thanks UACC for all your patience on this days of very happy financier situacion all over the country.

I deal with the harrassment from UACC...I made the mistake of allowing them as my finance company...Turns out they finance second chance credit and people with not so good credit..My credit is good! Even had One of their "managers" look at my file and tell me and i quote " You are not one of the typical losers we finance" " Your credit is good, normally we dont finance this big of a loan nor a person with credit such as yours..Usually we are for lower end credit" But that does not stop them from the harrassment...Since day one they have called me the day my payment is due...Now keep in mind i have paid off completely three cars in my time, from ford motor credit twice, and then a bank loan...Never have i dealt with such Unprofessional people. I have recently looked into filing a law suit and i am in the process of signing the papers with a lawyer to sue them over the harrassment of me, my mother and several other "References" that i was "required" to list for my loan ( i did find that odd when i bought my car, due to the fact i had never done that before...though this time i bought from a small dealer, because he had the car i was looking for.) The reason for the suit is as follows: Harrassment, disclosure of personal information up to and including financial information to other people about me. Harrassment of my personal references and family, harrassment to people not involved or listed as a contact, but because of caller id used their number to track me down and harrass them. If any of this has happened to you i HIGHLY ADVISE you to check out your state laws...(obviously this company failed to do so in the state of florida ) BY LAW in the state of florida...there IS a ten day grace period required UNLESS you sign a document waiving the right to a ten day grace...Your contract is the first place to look...Mine states NO mention of a NO GRACE PERIOD. It also states a Late fee which in my favor proves that they allow a grace in the eyes of the letter of the law. I am hoping when done with this i Will have at least made some changes in a company blind to laws and proper etiquette when dealing with the public. And for the person who posted the comment before mine...obviously you are an employee of UACC because that is the typical comment. By the way...UACC im sure is taking a chance on you by hiring you as an employee...i would like to see the background checks on the people they send to our houses at 10 pm at night...to harass us at the door..like they did me...when i was single and living alone...i would like to see the background checks on ALL employees that have access to my personal information.

Funny! See you agreed to the no grace period policy when UACC loaned you the money you requested to purchase your vehicle. Chances are you don't have a very stable credit history right? So yes UACC took a chance by loaning you the money in the 1st place. Secondly UACC will come to your home or your work when you are late but thats only at the very last straw. Perhaps you should try paying your bill on time or calling UACC back when they try to call you if you don't like the visits.

I've fought an uphill battle with my car at the auto shop since it's such a lemon. I can't fix this Chrystler and Car Hop refused to help me from day one. So knowing book value is 2, 000 and I owe 9, 000 I am going to have no choice but to file bankruptcy. Let them tow that piece of ### back to where you bought it from. That's what I'm gonna do. Now who's laughing.

At least you only got UAC to deal with. I was ripped off by a lawyer, doctor and ex right at the same time. Funny thing was in the end UAC was the worse of them all. LMFAO.

My complaint with this company is that I pay my payments on time and every time I a few days late (not a Month) I get this crazy phone calls that there's no grace period.A few months ago I had and accident and discovered this was a Katrina Lemon and ask UAC if they where aware that this vehicle had been submerged in water.There reply was there was nothing they could do.Never mind that I HAVE PAID MORE THAN MY PRINCIPLE ON THIS LEMON. I take some responsibility for this but I HAVE MORE THAN PAID for this boo boo . The said part is I have call every place under the sun and got no response. I've even called my state AG (MISSISSIPPI)office; guess if not big your not big tobacco or insurance giant go away