United Acceptance Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/23/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 63033	Web
I was contacted today from an agency that threatened to press criminal charges against me for an auto loan that was included in a bankruptcy that I filed in XX/XX/XXXX. The call came from XXXX, and when I called them back, the automatic answering system announced the company as XXXX XXXX XXXX. I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They found me financing through United Acceptance. In XX/XX/XXXX, I allowed the car to get repossessed because it had too many problems for my to fix. XXXX XXXX had my current address at the time, and one of the neighbors told me that they saw a tow truck marked " not for hire '' tow it from my driveway. In XX/XX/XXXX, I filed a chapter XXXX bankruptcy, with XXXX. XXXX as the law firm. This debt was included in the bankruptcy and, while speaking with this law firm today, they assured me that this loan is included in that chapter XXXX. They recommended that I file a complaint with the appropriate government agency, which is this one. However, the company that called me today was insistent that this debt had dropped off the bankruptcy, and was now eligible for criminal proceedings. The man I talked to said that they were going to charge me with " intent to defraud a financial institution '' and one other charge that I couldn't quite get the gist of. He also mentioned felony theft. I called back a second time, after speaking with the chapter XXXX attorney, to speak with them again, and asked what specifically the charges were going to be, and they said that I would set that in the summons. This also sounded odd because, as I understand it, a summons won't be issued for a " felony theft '' crime. A warrant will be issued, and an officer will come to my house or work to take me to jail.
02/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30350	Web	Servicemember
I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.
09/04/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this alleged debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78109	Web	Servicemember
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company United Acceptance will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XXXX so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
08/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 284XX	Web
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78213	Web
United acceptance is saying that my Charge off account was in XXXX of XXXX. And it was ok current I XXXX and XXXX XXXX. This is not true or correct. XXXX and XXXX has deleted this from my credit report in XXXX. Per XXXX that I am disputing this on my credit report. My car was repoed In XX/XX/XXXX and charge off XXXX and was suppose to be deleted per XXXX report as of everyone elses credit report XX/XX/XXXX. United will not send me an suppose payment that I didnt not make in XXXX no proof of payment I made. I didnt make a payment this is fraud and not correct and I want this deleted from my credit report. As my attachments you will see my complaint and bad ethics with this company. I will reach out also to my district office as well I want this resolved.
07/09/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 631XX	Web
A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.
06/25/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
I've wrote two letters to UNITED ACCEPTANCE for proof of a debt that have no recollection of that reporting on my credit report and never received any proof and is still reporting on my credit report. Required under the Fair Credit Reporting Act to have copy of the original documentation on file to verify the debt is mine. United Acceptance have not provided me any original documentation as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). They sent me two letters back saying that they verified that the debt is mine but no documentation. They proceeded by sending the debt to XXXX XXXX XXXX and now they are reporting the same debt on my credit report and also contacting me about the same debt.
05/26/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	SC 29303	Web	Servicemember
United acceptance XXXX loan I paid my portion in payments I contacted this back not sure on credit report I believe it was the beginning ofXXXX I informed them that I had been paying XXXX XXXX XXXX in XXXX SC they said ok then I called XXXX XXXX XXXX and discussed the call with XXXX the owner he said he didn't sell my loan to keep paying him and I did now lateXXXX I totaled the XXXX XXXX insurance paid off car the co sent the check to XXXX XXXX and the account was paid in full the co. Called about the I informed of the information I was given then I see a negative report now I talked with several representative of this company and explained the situation and they said they would contact XXXX XXXX
08/12/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 76018	Web
I had a car loan with United Acceptance beginning in XXXX. During the government shutdown in XXXX, it resulted in me falling behind and I was not able to recover from that. Eventually around this same time, or no later than XXXX, the car was eventually repossessed. They eventually sold the car at auction and my account was XXXX out. They are no indicating that I made a payment in XXXX, which I do not believe was the case. It has continued to report on my credit reports. I have contacted them in an effort to get this resolved but they appear to be unwilling to resolve this matter. At this time this debt appears to be obsolete and with a XXXX balance showing what more would they required from me?
04/30/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33919	Web
purchased a XXXX XXXX XXXX paid it off 2 weeks early they told me United Acceptance Inc that my title would be here in 10 business days it has been 5 weeks no title am starting to get worried they ripped me off .Because I first bought the car from a car dealer and financed The Loan in house From a car dealer who sold my loan to these people after he ripped me off to hide it now they wont give me my title .so I want to open an investigation on both Companies from the start of the contract .The First Company is XXXX XXXX XXXX XXXX At XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX And the Second Company is United Acceptance Inc At XXXX XXXX XXXX XXXX XXXX Ga XXXX Thank You.
08/01/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	LA 710XX	Web
XX/XX/19- I have had 2 calls back to back within 2 minutes from the same company about finishing paying for my car. The first call got ignored and second I answered. I also got a voicemail from the first call about collecting the rest of the note. I answered the 2nd call and told them I just got a call from them and listened to the voicemail and also told them they were harassing me. I get calls every week which I'm ok with but same day and within a matter of minutes was not ok. I told them I am paying it soon. I have talked to the manager before letting them know of my situation and she said she noted it several times. The company is United acceptance.
08/03/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	GA 30680	Web
The debt collector repeatedly reopens my account and claims I have excessive missed payments. The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. I think this company is using unfair practices.
05/02/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28739	Web
United Acceptance is reporting this vehicle, which was a voluntary repossession, wrong. They are showing a Balance of {$9200.00} and a Past Due of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it. If we owed {$9200.00} then the past due MUST be less than {$9200.00}. This makes no sense. Please have it report correctly
01/14/2020	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	FL 32209	Web
i have been fighting with XXXX XXXX/united acceptance for years and i am not getting anywhere. These cars were paid off and yet the score is incorrect. I also years ago was part of the civil lawsuit where information was being reported incorrect. They have it on here double and this is wrong i have reached out so many times and i need this to be removed
01/05/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
06/14/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 283XX	Web
United Acceptance is claiming that I owe them for a vehicle loan, when the Contract clearly states that I did not enter the contract with United Acceptance.
04/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33705	Web
Auto loan closed and payoff ans dhow open with XXXX and XXXX, balance is XXXX and need to be removed immediately from my reports.
11/12/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PA 19111	Web
this account do n't belong to me please remove off my name
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35810	Web

08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28086	Web

05/02/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	FL 33177	Web

12/06/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	SC 29560	Web

01/07/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 45150	Web

07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32835	Fax

06/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34746	Web	Servicemember

05/10/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 79932	Web

04/12/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77085	Web

03/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30066	Web

03/01/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30417	Web

02/24/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30417	Web

01/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44703	Referral

01/16/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63130	Web

01/12/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32835	Fax

11/29/2017	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30417	Web

11/17/2017	No	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MS 38637	Web

10/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40211	Web

10/03/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39501	Web

09/28/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30305	Web

09/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30305	Web

04/14/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	GA 30204	Web

02/26/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60804	Web

01/06/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33607	Referral

12/11/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SC 29662	Web

12/11/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29662	Web

11/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29662	Web

09/25/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 64117	Web

09/20/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KY 40299	Web

09/16/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29611	Web

04/06/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30349	Web

01/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 62249	Web	Older American, Servicemember