ComplaintsforUnited Auto Acceptance
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Complaint Details
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Initial Complaint
10/13/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
i am not liable for this debt with UNITED AUTO ACCEPTANCE I do not have a contract with UNITED AUTO ACCEPTANCE, they did not provide me with the original contract as I requested.Business response
10/15/2024
Ms. ****** went to our dealership PARS CARS in ********* and purchased the 2009 *** 3series on July 13th 2020. She paid $3000 at the dealership as a down payment and had $1500 in pickup payments. She was making her payments per contract but on August 21th 2021, Ms. ****** called in and stated she is not paying for this car anymore and we can come get it. United Auto Acceptance asked why she is wanting to volley the vehicle and she said Pars is refusing to fix it and she doesn't want to pay anymore so we can come get it. I asked for the location of the vehicle and she said I can GPS it, she doesn't need to tell me. I explained we are asking because she will need to put the keys under the mat and she said "that's not my problem" and hung up. Ms. ****** left her vehicle at repair shop and United Auto Acceptance picked up the vehicle from the repair shop on August 25th 2021. United Auto Acceptance will report Ms. ******** credit as a volley repossession, Ms. ****** is still liable for her deficiency balance with United Auto Acceptance.
We have uploaded the following documents - Signed Contract - Signed Application - ELT for *** - copy of ******** ** - and the 10 day letter as of August 25th 2021.
Customer response
10/15/2024
Complaint: 22418654
I am rejecting this response because:
I am writing in response to your notice regarding the repossession of my vehicle (2009 *** 3 Series). I would like to request an accounting of the amounts listed in your letter, specifically regarding the unpaid loan balance and the fees incurred.
Additionally, I would like to exercise my right to redeem the vehicle. Please confirm the exact process and any further actions I need to take.
Thank you for your assistance.
Sincerely,
******* ******Business response
10/16/2024
The first complaint Ms. ****** sent in stated she wasn't liable for the debt with United Auto Acceptance, which she is. We provided documents showing proof that she purchased the *** from PARS CARS in 2020. And now with her second complaint, she's exercising her right to redeem her vehicle, and Ms. ****** had the opportunity to redeem her vehicle before 9-4-2021. United Auto Acceptance sends out a 10 day letter to our customers explaining that they have 10 day to redeem the vehicle. Ms. ******** 10 day letter was sent out 8-25-21 and she had until 9-4-21 to redeem the vehicle. This vehicle was sold at auction 10-6-2021 in the amount of $2510.00. We can offer Ms. ****** a settlement if she would like and then we can update her credit once she completes the settlement, and unfortunately her credit will show as a volley repossession as of 8-25-2021, this will come off your credit within 7yrs. The last payment we received from Ms. ****** was on 7-19-2021. Please see documents about unpaid loan balance.
We have uploaded the following documents pertaining to the unpaid loan balance. - 10 Day Letter 8-25-21 - Deficiency Balance Letter - Proof vehicle sold at auction (receipt) - Charge Off Balance image from acct - transaction history -
Customer response
10/16/2024
Complaint: 22418654
Dear United Auto Acceptance,
I am rejecting this response because:
I am writing in response to your recent message regarding my account and the status of my vehicle.
While I acknowledge the documents you provided, I still contest my liability for the debt related to the *** purchased from PARS CARS. I would appreciate further clarification on this matter, as I believe there are aspects that may not have been fully considered.
Additionally, I understand the timeline regarding the redemption letter sent on August 25, 2021. However, I would like to discuss the possibility of a settlement to resolve this issue, as I would prefer to avoid the negative impact on my credit.
Please let me know the next steps we can take to reach a resolution.
Thank you for your attention to this matter.
Sincerely,
******* ******Initial Complaint
07/08/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this **** with charter communications, I do not have contract with UNITED AUTO ACCEPTANCE, they did not provide me with the original contract as i requested.Business response
07/25/2024
**************** purchased this vehicle 12-10-2021 from Pars Cars. We verified her phone number and address on file - everything matches. No ID Fraud for **********************. **************** was never 30 days late on this account, but we did received notification on 6-12-2023 about the vehicle being at ******* Towing in ***** ** due to the vehicle being abandoned and due to the fact of how long the vehicle was at the tow yard and fee's, United Auto Acceptance decided not to recover the vehicle. **************** called into the office back in February 2024 to set up a settlement agreement for 9K , making $150 payments a month until Paid In Full. United Auto Acceptance has been receiving settlement agreement payments from ****************, last payment received from customer was on July 3, 2024
Initial Complaint
05/16/2024
- Complaint Type:
- Order Issues
- Status:
- Unanswered
I am not liable for this debt with united auto acceptance , I do not have a contract with united auto acceptance, they did not provide me with the original contract as i requestedInitial Complaint
02/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
I received an alert from credit karma that my account has been marked 30 days late? How? I do not even have an account with you all anymore. Furthermore my account had been paid off - in full. In fact, you all owe me $60 or so and I am waiting on that check to be sent to my home. ****** South paid off my account at least a month ago. I am not even sure why you all are touching my old account in the first place!Initial Complaint
02/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I purchased a Vehicle that was finance, by United, auto acceptance. Doing the purchase of the vehicle, there was fraudulent information use from my Social Security number. They changed the registration out of my fathers name which is deceased to someone elses name. Mainly, this is a fraudulent transaction. They used me and my Social Security number to access, all of my fathers info and yes I have proof and yes I did file a police report. They then turned around. , all of my fathers info and yes, I have proof and yes I did file a police report. Company than changed everythingBusiness response
02/23/2024
United Auto Acceptance financed the purchase of a 2007 Honda CR-V on Sept 8, 2023. This vehicle was purchased on Sept 8, 2023 by the complainant at a local dealership, ******************* ******* (primary) and her brother ********************************** (co-signer)
All the proper forms of identification were provided during this purchase, including State Driver's Licenses, proof of address, and income verification specific to both parties. Additionally and in closing ********************************** (who appears to be very much alive) acknowledged the legitimacy of the debt and call into the office on Feb 22, 2024 to make a payment arrangement to resolve it.
No where in our records indicate any involvement of the complainant's deceased father.
It is our position that the co-buyer ********************************** shares the same name with the complainant's father and seems to be the source of her confusion.
Initial Complaint
02/02/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with United Auto Acceptance.I do not have a contract with United Auto Acceptance,they did not provide me with the original contract as I requested.Business response
02/05/2024
********************** purchased this vehicle from Pars on 5-17-2021 and paid on the account per the contract terms. Until Aug of 2022, the last payment made by ********************** on his account was on *********. We reached out to ********************** to remind him of his past due amount, he never returned our call so his account was put out for repo on 11-22-2022 for past due payments. We repo this vehicle for non-payment on 12-02-2022. We sold the vehicle through an auction back in Feb. 28th of 2023 and ********************** is liable for the deficiency balance. ********************** can call United Auto Acceptance to set up a settlement with the Collection *******************************; to make arrangements on the account, and once the settlement is completed we will update credit. but until then ************************** credit will show as a repo.
Initial Complaint
01/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
They called my job saying that they are looking for the car they also called a friend of mines giving him information about my car .Business response
01/22/2024
The employee that is involved in this situation, is in a 4th day of employment probationary New Hire.
This employee was interviewed, counseled and disciplined verbally and In writing.
Additionally the entire staff was counseled and instructed and required to provide a written acknowledgement of this instruction.
Lastly, If this situation did indeed take place consistent with the complaint allegations.( We are not acknowledging as such).
We offer our sincere apologies with regard to this misunderstanding.
With regard to the customer's desire to surrender the vehicle, United Auto Acceptance will regretfully respect the consumers wishes.
But will not however agree to remove or adjust in any way the contractual nature of credit reporting and/or debt collection.We will be happy to discuss the issue, should the consumer wish to do so.
Initial Complaint
11/09/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
IDENTITY THEFT. THEY CLAIM I HAVE A RPOSESSION AND I NEVER DID ANY BUSINESS WITH THIS COMPANY. I NEVER OWNED THE VEHICLE REPORTED. I HAVENT HAD AN AUTO LOAN IN OVER 7 YEARS. I OWN MY OWN VEHICLE I PURCHASED IN CASH.Business response
11/09/2023
**************,
We understand the frustration about ID Fraud. We will need certain documents from you so we can start an investigation. We will need a police report with us on it, & a copy of your drivers licenses to compare signatures, and we can also pull camera footage from the dealership to help with this situation. The sooner the better. Thank You, ***
Initial Complaint
07/07/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Let me start off by saying the entire staff is unprofessional i was promised that i could make a payment on july 15,2023 so why am i getting a call stating that if i dont pay today then i wont have a car they dont know what ive been through as soon ad i got this over priced piece of s*** and for ms ***** my new account manager or whatever her name is to be so disrespectful is uncalled for and unprofessional she stated that its not her fault that im behind so be ready for me to come get the car etcBusiness response
07/17/2023
After reviewing the notes it appears the customer never stayed on the phone long enough to "solidify" her payment arrangements.
Her conversation of the 7-8-23 did not result in a "confirmed agreement to pay" as she discontinued the call before confirming.
This action resulted in a second call confirming her commitment to pay.
With regard to the "request for no further contact " we request that the customer refer to ********************** "Terms and Conditions" that she agreed to at purchase, which gives ****** the right to contact the customer if payments are "late" and no "agreed" upon arrangement has been made.
As far any additional concerns specific to interaction with United Auto Acceptance,
I encourage the consumer **************** to contact United Auto AcceptanceCustomer response
07/19/2023
Complaint: 20289541
I am rejecting this response because: the company is fraudulent for one it clearly states on their website that there is no fee for debit card payments yet they charge me 10 dollars everytime i make A payment and that adds up also its false advertising as well so they either need to fix that and make all those 10 dollar payments show on a past due bill
Sincerely,
Yosaniki ******Business response
07/19/2023
After reviewing our website, **************** is correct about the website debit fee which is an error. We do charge $10 convenience fees and we will fix our website pertaining to the fee's and because of the website error, we will take those $10 convenience fee and apply those to her account.Customer response
07/19/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
05/02/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I was in need of a vehicle extremely bad for my family and I purchased a used car from pars cars with **** down they gave me a ok used car that needed lots of work. After I calculated the repairs I agreed to purchase but Im now in a load with united Auto acceptance and this is a predatory loan with a 28% interest rate the car is only worth about **** and Im paying *****! After repairs they agreed to move my payments back but now they are charging me late fees with interest! They (United Auto ) do not practice fair loan practices and this is a nightmare!Business response
05/04/2023
UNITED AUTO ACCEPTANCE IS THE FINANCE COMPANY FOR PARS CARS. *********** PURCHASED HIS VEHICLE BACK IN AUG OF 2022, CUSTOMER HAD A PICKUP PYMT DUE ****** FOR $750 AND THAT WAS PAID IN PARTIAL PYMTS WHICH MADE THE ACCOUNT GET BEHIND. *********** MENTIONED HE HAD TO REPAIR THE VEHICLE BACK IN NOV OF 2022, I DO NOT SEE ANY NOTES ABOUT A DEFERMENT FOR ONE OF HIS PAYMENTS. PLEASE ADVISE THAT *************** INTEREST RATE IS NOT 28%, THE CONTRACT SHOWS HIS INTEREST AT 23% AND THE LATE FEE'S WILL HIT THE ACCOUNT IF PAYMENTS GO OVER 10 DAYS PAST DUE.
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Customer Complaints Summary
18 total complaints in the last 3 years.
7 complaints closed in the last 12 months.