UNIVERSAL ACCEPTANCE CORPORATION (NE) CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/11/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95661	Web
XX/XX/XXXX SECTION 4- COMPLAINT Carhop Addition space On XX/XX/XXXX, I purchase a XXXX XXXX from Car Hop at XXXX XXXX XXXX. XXXX, Ca. XXXX, and I paid on that car twice a month on the XX/XX/XXXX and XX/XX/XXXX each month a sum of {$240.00} until XX/XX/XXXX when it was traded for XXXX XXXX XXXX. On XX/XX/XXXX I received a call from Sales Consultant XXXX XXXX from Carhop, he said that he was calling to update my account, when he notice that my car was due to be paid off. I said yes it is in ( 3 ) more car payments, so XXXX asked me if I wanted to upgrade in a newer used car and I could use my truck for a down payment or trade-in, so I said ok and drove there to the XXXX, Ca. office. I told XXXX that I was in a big SUV and I would have to have that because I am a XXXX XXXX XXXX for XXXX, and I XXXX XXXX two people one age XXXX with XXXX in XXXX, and XXXX yr. old male with XXXX in XXXX he then said to me that he had something for me, just come down so once I got to the office I met with XXXX . Once I got there XXXX met me outside and he gave me keys in hand saying go test drive it, take it home, and see if this what you can use, and he also said not to worry about my car payments that he would work it out that when you get back. I test drove the XXXX straight to my family member car repair shop, the mechanic went to open the hood and asked me to release the latch, but I told him that it wasnt any latch just wires and they were hanging he said take this car back to Carhop and let them know this. I drove the car back to Carhop, and I met up with XXXX and told him what the mechanic told me, he said no problem just take it to our ( Carhop ) mechanic which he wrote the name on a piece of paper and gave it to me and he said that they will send the repairs over and we will get it fixed. I told XXXX to put the repairs in writing on my contract so he did, so I can use my warranty, since it still under Carhops warranty you get when you buy the car, and I only had 1 day thus far so it reads as follow : Warranty covers period of 18 months from date of contract or 18,000 miles beyond the mileage provided on page one of contract, whichever occurs first. Cover Parts include Engine all internally, see warranty page. Carhop dont honor their own contract We Owe : We acknowledge that as a condition of sale of the Vehicle, we will perform the following services within 20 days of the date of purchase. Wheel noise, shaking or vibrating and the interior filthy. See sale contract I have been fighting with Carhop since XX/XX/XXXX to fix my car, I will show you proof that Carhop have been SCAMMING me and the public ever since they open in XX/XX/XXXX. I will show proof that Carhop is still lying to me and the consumer about helping them improve their credit, and I am including the law sue against Carhop for doing this, and they are targeting vulnerable low-income customer for high-cost/high profit sales and loan, but to top everything off The Cars Dont Run. I have proof that Carhop is doing illegal business practices by selling me and the consumers a XXXX cars, and disclosing all damages are well as recalls from the buyers and selling salvage cars and putting the consumers lives in danger. My name is XXXX XXXX and I have been a loyal and patience customer of Carhop since XX/XX/XXXX and they have taken advantage of my kindness, and I want to be made whole, because I have been paying my car payment on time faithfully up until they set me up by telling me to Stop paying. I have been paying on this XXXX up until XX/XX/XXXX when I thought I was working with the branch managers at the XXXX office where I brought the car from, because they were speaking as if they were really going to help or fix my car. I have documented everything that had to do with Carhop because, after Carhop telling me to take my car to varies shops and dont fix any work on my car but would lie and put it in writing that they did, but I have proof the car not fixed. Carhop had XXXX XXXX XXXX lie about fixing my car, they said that they did {$1300.00} work on my car and {$75.00} for the warranty fee but when I had it towed to XXXX XXXX which was not part of Carhop shops and he did the diagnostic which revealed that the Engine light was still on and nothing was done. Have this also in writing. Carhop owners XXXX XXXX and partners dont care that the cars sometimes cause injuries to people by them having an accident due to car not being safe for the road and that dont still fix the cars. Carhop opt out fixing the cars before you even buy them, but it too late because they have already got you to sign on the dotted line, Carhop say that they inspected the cars before you buy them but that is not a true statement base on the testimony from an employee. Carhop are selling cars and putting Defective, Unsafe, Recalled, vehicles on the public highways, roadways and school roads and theses cars are Not Safe. It needs to be know that Carhop Dont let you pick out the car they do and all this is done After you sign on the dotted line and thats the only way they will let you see the car, IS THIS LEGAL, I have enclose other in other cities and state that Carhop does this too. I am going to enclose proof that Carhop, discriminate against customers with credit score over 500, because they cant mess up their credit, but prey on customers that are struggling with their credit, but need assistance. Carhop changes my information on the contract after I sign it by taking out moving figures around like they offer you a car for {$8000.00} and you sign it to be final but when they bring back the amount is changes and they say oh its a type o and it will get fix. Carhop sold me a car that needed an Engine and Tranny at the time of purchase and Never told me and more so when I find out thats I told Carhop and thought they was going to fix but No, I get the run around by telling me to take my car to this and that shop and know they not going to fix. I want Carhop to be held accountable for selling me a car that I have not drove since XX/XX/XXXX, Carhop have been playing games and Now it XX/XX/XXXX I get a letter from Carhop saying that they intent to sale my car. Now I talk to XXXX yesterday and she told me to bring my car over the office so they can see what work needed to be done. Now I am confused because I am here at the XXXX XXXX XXXX XXXX XXXX who just told me that XXXX decline to fix me car, if you read my story of what I have been going through and what I want from Carhop. So on XX/XX/XXXX I traded in my XXXX and filled out the papers for the XXXX and I told XXXX that I took it to get checked out by a mechanic and it needed repairs, he responded back that he would take care just take to their mechanic and they will fix it. Little did I know at the time I would be still at the same situation with the car now here XX/XX/XXXX, I have not driven my car this year but I have been paying all my car payment up until one of the XXXX, Ca. XXXX Branch manager XXXX told me in my face with XXXX and XXXX aboard, on XX/XX/XXXX while visiting the car lot not to make any more payment because they were going to get me out of the car, but never happen Now the car is tow back to Carhop, after a month sitting at XXXX XXXX XXXX XXXX telling me if I left it there after today XX/XX/XXXX he would charge me {$48.00} dollar storage, I told him I thought that Carhop pick up or paid for the car to be fixed he said the Carhop Decline to pay any labor but would pay the diagnostic fee of {$68.00} which is what Carhop did. I have receive varies calls from Carhop during this time for car payment even after I was told not to pay, but no calls about my car repairs. Now I spoke with my branch manager back in XX/XX/XXXX, I walked into the office and spoke with XXXX XX/XX/XXXX, XX/XX/XXXX, and both times in person and each time she indicates she is working on getting me out of the XXXX, and into another car. XX/XX/XXXX I return back to Carhop office and spoke with XXXX and she is short with her words and saying that she is still working on my case, and she points to some papers on her desk. I asked her how much long is it going to be and she said that the person that makes those decisions is in a all-day meeting and it out of state, I said ok and left to wait for her Call. On XX/XX/XXXX Call Carhop the XXXX office number which is XXXX That never happen because here XX/XX/XXXX, stating that she is confused about putting me into another car, and I am 45 days late on my car payment. I am in shock because its like a set-up, XXXX and XXXX tells me not to make any more car payments because they are going to get me out of the car since its not fix able. XX/XX/XXXX on this day I kept calling Carhop and they either put me on hold until their phone hung up or they would say that they were going to transfer me and hang up, this went on for at least a week or so. XX/XX/XXXX I went up to Carhop office and was told that there were no supervisor on site and to come back tomorrow, I thought that was weird, but I left after waiting for an hour. XX/XX/XXXX Called the XXXX number and spoke with XXXX XXXX I made here spell her name out to me, but she said I was 36 days late on my payment, I tried to explain that the Branch managers at the XXXX Ca. office XXXX and XXXX told me to stop paying until they put me into a running car. She said that she had no knowledge of that and would have to I check the notes and if I would hold, I did and when she came back she informed me that I needed to pay up before they fix my car. I was shock at that statement, since they told me not to pay, so it was a set up to put me into REPO. XX/XX/XXXX received call from XXXX she was going on about how confused she is and that she didnt remember everything that was said, she kept denying that was said I told her that I needed to go that she was sending my already XXXX XXXX XXXX XXXX and I wouldnt talk to her. I told her that she was upsetting me with her lying and saying now I am late on my car payments, so I said by and hung up. XX/XX/XXXX tried calling all the numbers Carhop has and had to repeat myself at least 3 times to three different and they still hung up on me and it took 20 minutes. XX/XX/XXXX I called all day but only get far as my info then wait then hang up, I see why now after I told Carhop that I had No intention on paying one dime on fixing my car because that is what I been trying to get you to do since I brought the car on XX/XX/XXXX, now all the hang ups call with no messages and when I answer they hang up. Then on XX/XX/XXXX XXXX t I start getting harassing calls from Carhop .consumers cars that are salvages or flood damage and they just clear all code. Now the car is tow back to Carhop, after a month sitting at XXXX XXXX XXXX XXXX telling me if I left it there after today XX/XX/XXXX he would charge me {$48.00} dollar storage, I told him I thought that Carhop is supposed to pick up the car and he said No that I am to get my car. He also said that said the Carhop Decline to pay any labor but would pay only the diagnostic fee of {$68.00} which is what Carhop did, I owner of XXXX XXXX XXXX explained to me that my car is costing him money and he want it out of his shop, I repeated that Carhop is supposed to pick it up. Long story short I bargain with the owner and told him if he helped me I would help him and have my car towed back to Carhop, now I didnt tell the owner that I just had spoken with XXXX at Carhop and she told me to send my car back and she would see that I got another car. While I was still in XXXX XXXX XXXX XXXX XXXX, I called my insurance and explained that I wanted my car towed back to the dealer across the street, XXXX XXXX called me back with the ETA time I gave it to the owner and left the shop XX/XX/XXXX the mailman came up to me with a certified letter from Carhop, it was a Notice of intention to dispose of motor vehicle. I went to the XXXX, XXXX office to speak with a Manager that is over XXXX at Carhop and asked what was going on about this letter I just receive in mail. The only manager in the officer per XXXX was her and I would have to wait a minute and she would be right with me, I was fine with that since XXXX was the first manager I had to deal before XXXX. So I explained it all over again to XXXX what I had spoken with XXXX and said that she told me just two days ago to have my car tow here to be fixed, and they were putting me in another car. She said to give her a minute to go see what notes was put in the system since XXXX is off today, then she comes back seconds later to tell me I was 49 days late and that why my car is in Repo stage. Carhop preplan this and I am going to show proof that this is what Carhop do to All customer who buy a car from them, It common practice that they do this in all Carhop business and I have and enclosed proof. I take a deep breath and once again try and explain that I was told my management to stop paying due to them putting me in another car, but I say to XXXX that I have been waiting on Carhop to fix my car and I have been paying my car payments on time up until the Branch manager told me different. XXXX continual to tell me that I was 49 days late and not even allowing me to get a word in, so I tell her that I know that this document that they mailed to me is not a release of me and the car, but it is a Voluntary Repo, and I wont sign the papers and I left the office. XX/XX/XXXX been getting threating calls from Carhop regarding my car, and as I told them I will not sign the papers and they can not make me, so they just keep calling me from different numbers. Carhop like if they keep calling and saying that I breach my contract, and say that its my fault that I got a car that dont run, I told the people that now were not giving me their names or number. Carhop called again and said that she was recording the conversation for training purposes I told her good, because I was recording it too, then she said that she now couldnt speak with me until I call on a unsecure line, I told her not to count on it, she replied back with then I cant talk and hang up. XX/XX/XXXX I am trying to get this document in the mail and off my laptop, but Carhop, keeps calling and hanging up and when I try to call back it say the number you call is not in service, this is there way of intimidation and retaliation, that why Carhop has to be Stop Selling junk cars for thousands of dollars to unsuspected person, stop Carhop from disclosing important information about the cars they Sells. I know Carhop wants to hurry up and get rid of my car but I went over to Carhop in XXXX, Ca XXXX office and took pictures of my car on Carhop property and it dated so if they sell it before I get help. Every document that I am submitting will proof that Carhop is Shady, Unethical, and in poor community is a poverty profiteering long shark and only after the poor to make the owner XXXX XXXX richer. I have enclosed documents to help get me out of this contract and get my money back from these crooks. I enclose all the people that have something to do with Carhop so it will be easy for the investor to find who is liable. If you read the repair fixing the problem diagnostic report Carhop tells them to clear the codes several time as their way of I have had time to research this company since I had so much time to figure out what to do, so I look on line and found out, that Carhop makes money on selling I have waited long enough for Carhop to do the right thing by me so I am now taking action into my own hands and I am contacting : The Attorney General Office, BBB, Local Media and BAR well as CFPB, to see if that will stop Carhop from lying to make a buck off the poor people and damage their credit too. This is what I XXXX XXXX want from Carhop and I want it in ten ( 10 ) days of receiving this notice or a call from Attorney General Office, BBB or Call XXXX XXXX, CFPB, CARS and Dept. of Consumers Affairs Bureau of Automotive Repair ( BAR ), I will also take time out and Picket his business with other customers that was done wrong. Carhop should be SHUT DOWN and Put Out Of Business and pay back all the people that they have Scammed over the years and that a lot of people across the State. Due to all of the complaints the consumers have put in that have went unanswered. This is what I want from Carhop within 10 days from the time they receive the Information. This is how Carhop got me to buy this junk : XXXX said to bring the car in tomorrow ( XX/XX/XXXX ), for their mechanic can do a full check out the car and fix the engine light and the ASB light stayed faulty on hood as well as the things on the list they put in the contract to be fixed. On XX/XX/XXXX picked up the car it ran fine no noises nor was the engine light on so I thought everything was fixed. On XX/XX/XXXX was driving my client to XXXX when she smelled fuses and started coughing, I had to borrow my daughters car to pick up my client that day and I told Carhop and once again told me to take it to XXXX XXXX. On XX/XX/XXXX, I drove the car to XXXX, Ca Airport on the way back it started making noises and you can smell gas fuses I called Car Hop again and they told me to take it back to that same mechanic XXXX XXXX and tell him what happen. I called the XXXX XXXX to get appointment and to see how long it would take and if they had a loaner car he said no and he would need to keep the car a few days to check it out. It took me a few days to take the car in due to I am a XXXX XXXX XXXX and I needed to find someone to give me a ride back and watch my client until I get back. This shop is not certified nor do it have the equipment to test my car and I ask him for paper of what he did, he said get it from Car Hop. I went and took the car in on XX/XX/XXXX against my better judgement, and told him what I smelled fuses and engine light was on again and it what happen after a long drive, he said that he would need to keep the car for a few days and will call when car is ready. I also told him that when I picked up the car I want a paper telling me what was done to my car, he told me that I need to get it from Car Hop, I said why he cant give it to me he said that is how Car Hop wanted to do it I left not happy because Carhop acted like they didnt know what I was talking about. I drove the car home and within two day the engine light came on and the mechanic at XXXX XXXX said my car might need an oil change, and that it was my responsibly, I asked him why you didnt do it when he had my car in his shop he said its not under warranty. On XX/XX/XXXX I took it to XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX and they did an oil change and filter which cost me {$68.00} and they told me that my oil cap was glued on and they had to glue it back on but it will affect my oil pressure so go back to mechanic. I needed to take it back to Car Hop mechanic. I took it back to the mechanic on XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, who had original work on the car when I first got it fixed. He told me make appointment and he will check it out. He looks at it and tells me that he can not fix it and I need to order one or go to junk yard and get one because he dont have one and cant order one. I was shock with my mouth open wide so I left not knowing what to do but call Carhop. Now the car is still under warranty and Car Hop still giving me the run around so I call Car Hop XXXX number to speak with someone higher up to find out that there are none I had my son-in-law look at the car since the engine light was still on and it brought up sensor codes : XXXX, XXXX, XXXX, XXXX, he informed he that these codes are serious and I need to make Carhop fix it since I am under warranty. On XX/XX/XXXX, XX/XX/XXXX, every day from that point trying to get Carhop to honor the contract but all I would get was the run around or lied to or hung up on. On XX/XX/XXXX I started looking up Carhop complaints online about carhop and was shock to find out what I am going through is the standard practice. On XX/XX/XXXX called Carhop told them everything that was told to me by the mechanic and XXXX shop and asked the way they going to do, the Rep said let her put information in the system and someone will get back with you, but no one did. On XX/XX/XXXX I was driving and the engine light came on and it start smoking so I take it to side tree mechanic and he put it on the machine and sensor codes came up so I was told that those codes can be serious and I needed to take it back to Carhop and make them fix it. I called Car Hop and explained to them that I am still having problems with this car and it is still under warranty and I want it fixed and I dont want to go back to the same Mechanic XXXX and we went round over them not wanting to fix the car even those its under warranty. XXXX, gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ca. XXXX XXXX, I called them to make appointment, and they told me that they were not taking any more of Car Hop clients. I begged XXXX XXXX XXXX to take me and I told them all the problems I have been having to get it fixed. The female Rep agree to fix my car, I told her it would be towed here, she said she needed to speak with boss and Car Hop and would get back with me and that took weeks for Carhop to even listen let alone authorize it to be fixed. On XX/XX/XXXX I took the family out XXXX shopping at the mall and we were in there two or more hours, when we got out to the car and started it up it start making a lawn more sound and the engine light was on I drove the car to my apartment and that was the last time that car was drove. On XX/XX/XXXX called Carhop asked them what do you plan on doing about the car one again on hold and the hung up now if my car payment was not paid they would have spoken to me only about when I plan on paying. I continual to call Carhop but they were rude or had no information for you even those they say they are your Rep. All through XX/XX/XXXX I would call Carhop continual 3-4 times a day even if they hung up or kept me on hold for a period of time, I did not give up then they agreed to fix the engine. On XX/XX/XXXX rented a car from XXXX and have been until XX/XX/XXXX at my expense because I am a XXXX XXXX XXXX and I transport clients to and from appointments and XXXX and Carhop knew this but was not concern. On XX/XX/XXXX my insurance XXXX XXXX towed my car from my home to XXXX XXXX XXXX to sit their shop for weeks before Carhop responded. On XX/XX/XXXX Carhop authorize the repair for XXXX XXXX XXXX to figure out what is wrong with the car my XXXX, so I had my insurance XXXX XXXX tow the car to the shop. On XX/XX/XXXX walk it XXXX XXXX XXXX as him if he could perform a pre-purchase inspection on my car and I will have it towed here, he said when ready just call or just drop off when you are ready. On XX/XX/XXXX received a call from XXXX rep telling me that the problem with my car is it needs a new engine, and Car Hop will supply it I never received a call from Carhop at any time even now regarding my car. Car Hop is to send over the engine on XX/XX/XXXX to XXXX XXXX XXXX and once they get it they will install it. I said to the Rep what if it dont work the female rep said if when I check it and find out it not worth fixing, I will TOTAL IT OUT. On XX/XX/XXXX Carhop send over a used engine to Cooks auto repair according to the Rep, I ask her why used not new she said the Carhop gets the used engine from the junk yard if the can find them, and in my research in the carhop I found the to be true about where the get their parts for cars at. I paid for a car fax on XX/XX/XXXX on the VIN # # XXXX, for {$99.00} to find out as much about this car. On XX/XX/XXXX I received a call from XXXX XXXX XXXX, saying that my car is fixed and I need to pick it up, and pay a warranty fee of {$75.00} I asked was my car fixed they reply back with we put the engine in. I asked if it was test driven they said they just do what Carhop says and that was to put the engine in. I told the Rep that is why I am taking it to be checked out to see if it is fixed, that when the male said well the engine light is still on. I said then its not fix, they reply we did what was told to do By Carhop, I had it tow to a XXXX XXXX XXXX. On XX/XX/XXXX my insurance company picked up the car from XXXX and towed it to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX XXXX on XX/XX/XXXX. XXXX did a pre-purchased inspection for {$110.00} he found codes appearing so he needed to labor check end up costing {$260.00} plus and found other problems that would require more money to check I told him no I just needed to that information but put it on the contract so Carhop can see what all wrong with the car. On XX/XX/XXXX I spoke with XXXX and he told me that the car wasnt worth fixing if I just brought it that if it under warranty take it back, so had insurance tow it home with the engine light still on, call Car Hop see what they are going to do with this new information once again hung up put on hold. Called Carhop onXX/XX/XXXX to spoke with my manger XXXX about my car engine light still on and that XXXX XXXX XXXX said my car was fix, when it wasnt and that they only did what Carhop told them to do and at that point XXXX is when she became rude and put me on hold which end up hanging up on me. I called back and XXXX transfer me to another manager name XXXX but this one is at the site I brought my car at. Once again waited no XXXX and phone hung up so nothing done on that day, so waited for them to call me which didnt happen. On XX/XX/XXXX went into the XXXX office and spoke with XXXX told her what I have been going through to get my car fixed and that it is still under warranty, he then XXXX came and she was no help either and they are both in Management they said go home and someone will contact you on what they going to do. On XX/XX/XXXX I received a warning. UAC intends to disable the starter on my car, I reply go ahead it hasnt ran since before XX/XX/XXXX, I told that the car not fixed and I have been paying car payments but no car. On XX/XX/XXXX called Carhop and spoke to a manger name XXXX, I told her what happen when I went into the XXXX office so she called from her office and she was transfer then the call end up with a hang up, she said that they are busy that why the call ended that way. I left and went home and called Carhop and spoke with XXXX but he had no information to help and I just said thank you and hung up, no one ever called me back eitherXX/XX/XXXX On XX/XX/XXXX received a text message from Carhop saying I can skip a payment for the car not working. On XX/XX/XXXX spoke with Car Hop on what to do about my car XXXX said that she is going to have to put car in shop to see what is wrong and I can choose from their list, told her dont want XXXX XXXX XXXX, she gave me a list of 9 Authorized Service shops to pick and I picked XXXX XXXX XXXX XXXX to check my car out. On XX/XX/XXXX XXXX the Branch manager also told me to stop my car payments until they find out what they going to do about the car. On XX/XX/XXXX I received text saying We may be able to help with repairs issues call UAC/Carhop Finance and I did went to the local office here in XXXX, Ca on XXXX XXXX. spoke with several ladies from XXXX, to XXXX, XXXX and no real help said that she was going to get me out of the XXXX and into another one but first have to get approve from Finance Company. On XX/XX/XXXX I had my insurance tow my car to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Ca XXXX XXXX, I didnt give this company the information I got from XXXX, because I wanted to see what if any he found out. On XX/XX/XXXX @ XXXX XXXX I received a voice message from XXXX XXXX XXXX am saying this is XXXX at XXXX XXXX XXXX auto calling about your car um the battery was dead when it was tow to our shop. We charge the battery and drove it 10 miles before it ran out of gas. He then went on to ask me what I wanted to do at this point. I said so you ran all the gas out and dont know what wrong with the car just saying it run fine even with engine light on. He asked me if I wanted him to put gas in the car and if he did it would cost me, but that the only way to see what wrong with the car, I told he to hold on and I need to call Carhop. He end up driving my car a total of 70 miles and didnt know what was wrong until I gave him the repair paper I got from XXXX XXXX XXXX and he was shock. On XX/XX/XXXX Went to XXXX Office and spoke with XXXX the Branch Manager and XXXX XXXX Branch Manager and they told me that they were going to get me out of the car since I showed her the paper from XXXX saying that is not worth fixing but she have to get with finance and ask me to wait. On XX/XX/XXXX at XXXX XXXX XXXX went into the XXXX office and spoke with Branch manage XXXX XXXX he said that she is waiting for a call from finance but they are in another state in an all-day meeting, she pointed down to some papers on her desk and said see your fourth in line. On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX saying that he XXXX from Carhop came over and put gas in the car and they drove it another 20 miles and it runs fine he then said ok even with engine light on, No one cares that the engine light is on they just keep wiping it out and it will last another 70 or so miles before it comes back on. Then he say that he got the ok from Carhop to fix the car and it will be {$2800.00} and I stopped him and said No they are supposed to get me out of this car. He then said ok even with engine light on, No one cares that the engine light is on they just keep wiping it out and it will last another 50 or so miles before it comes back on. I went back to the XXXX office XX/XX/XXXX, to see if XXXX had made any progress and find out no she says she is still waiting that is when I decided to call state Attorney General Office and put in a complaint. I have been very patient with Carhop but I feel I am being used, I brought a car inXX/XX/XXXX and only got little use and been paying on it since. I have been in a rental for 6 months so far and its costing me, and I pay car not twice a month XX/XX/XXXX and XX/XX/XXXX {$240.00} and car insurance {$100.00} registration due {$240.00}, car rental {$230.00} weekly but changes every 4 weeks and I have been renting since XX/XX/XXXX until Now, I needed a big car for two XXXX. Carhop has a Reputation for scamming people by selling cars from salvage yards, and XXXX defective cars, their inventory of cars they advertise on television are not the cars they have you see. The cars are junk, and they put unsuspected consumer into exorbitant price cars even if it dont have a motor or engine or run worth. Carhop is selling loans not cars because once you sign they want you to pay even if
07/22/2018	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	WA 99224	Web
I purchased the XXXX XXXX XXXX from XXXX XXXX in XXXX, Washington in XX/XX/XXXX. The sales person was XXXX and the manager was XXXX. From the very beginning I had nothing but problems with the car. Within the first 2 days my car shut off completely in the middle of an intersection. I got it started after 5 or 10 minutes and then drove again. A week later it stopped completely again at another intersection and I had to have it towed to another town to the only place that XXXX XXXX would allow me to take it, XXXX XXXX XXXX XXXXXXXX. The fixed it under the warranty. A while alter the starter died, I was forced to take it back to the same place. They replaced the starter but the garage would not release the car because they said I needed an EG valve and in order to get that I would need to replace the catalytic converter which were not covered under the warranty since. I could not afford that so the mechanic said he would have to replace the engine, which IS under warranty and therefore replacing the cat. As well. I was without my car for 6 weeks a completely unacceptable time to be without a car. Not long after I had to have the entire brake system replaced and the tires replaced. This, according to XXXX XXXX had forfeited my warranty because I had another mechanic work on it rather than their approved mechanic XXXX XXXXXXXX XXXX XXXXXXXX. However, I was not willing to be without my car for another 6 weeks. I had not had the care for even a year and I had now put in over {$2000.00} worth of work on a car that was only worth about {$500.00} at the time. After getting the car back I experienced several issues with their poor customer service and contacted the CFPB ( the Consumer Financial Protection Bureau ) and put in a complaint for poor business practices. The CFPB then forwarded the issue and its details to the Federal Trade Commission. Within a month I was in contact with a woman named XXXX XXXX at the financing company for XXXX XXXX ( WA ) / Universal Acceptance Corporation ( UAC in Minnesota ). After several emails and calls an agreement was made to cut the remaining balance of what I owed by half and that would make my LAST payment to be on XX/XX/XXXX. We agreed That I would continue my payments of the same amount XXXX every two weeks until that date at that point my car would be paid in full and I would receive the title. I did this with on time payments until XX/XX/XXXX. XXXX was informed by XXXX of this issue as were other employees at the XXXX WA location and all were aware of this In XXXX of XXXX I was forced to leave my apartment and move across the state to XXXX to live with family. I had continued my payments and was only scheduled to pay 5 more until it was paid off AS AGREED on XX/XX/XXXX. The car was such a lemon that I did not feel safe driving it over the mountain pass and into the desert where it would undoubtedly brake down or stop working. I arranged to have the car transported using a company called XXXX XXXX based out of New York. I was to receive my last paycheck from my job by direct deposit on Thursday XX/XX/XXXX therefore I asked for the car to be picked in XXXX on Tuesday XX/XX/XXXX and delivered NO EARLIER than XX/XX/XXXX. I was to pay XXXX ( NY ) {$210.00} and pay cash of {$250.00} to the driver they'd brokered to bring the car. On Tuesday XX/XX/XXXX I received a call from a man with a middle eastern accent and a strange name, He said he had the car in XXXX and was needing payment now to deliver it. I told him that the car was not to be delivered until Thursday XX/XX/XXXX as I would not have the money to pay until then. He refused to deliver my car at all, he said he was going to bring it back to XXXX and That I would have to pay {$500.00} to get it as well as any storage fee. I would like to add here that there is no proof whatsoever that he was EVER in XXXX, as far as I know he NEVER LEFT XXXX with my car. I did not have a job and could not afford that. I called him and told him I was still willing to pay the {$250.00} to get my car. He said He would not deliver it until I could pay {$500.00} but he was willing to pay the storage fee. I told him that he was holding my car for ransom and therefore he had stolen my car. He still refused to deliver it and now he said I had to pay a minimum of {$750.00} If I wanted my car back. Being that the car was stolen I called the police in both XXXX and XXXX, they said they would not allow me to file a stolen car report because this was a civil case and if I wanted help I would need to bring a lawsuit against him. I then called XXXX, they said that it was out of their hands and that I would have to speak to the driver from now on and they hung up on me. I was able to track down my car by GPS and discovered it was in front of the driver 's house in XXXX, WA in a nice neighborhood. I then called XXXX XXXX and proposed a plan that could assist me and them as well. I told I know that you can only repossess a car if the payments had not been made. But since I had only 5 payments left on the car ( according to the agreement settled on earlier ) I would be willing to stop the payments and have them repossess the car into their location at which time I was willing to pay the balance in full to get it out of repo status and get my car back. I had even suggested that they could have it repossessed to their XXXX XXXX location in XXXX if that would be easier. However, this was unacceptable to XXXX, the manager he said I would have to pay the complete balance of nearly {$3000.00} to get the car back and he was not willing to bend at all. I have been without my car for a year now. My sister and I have had to take the bus with homeless drug addicts and derelicts all this time and it was nearly impossible to find work until now. I recently received a notice from a tow company demanding over {$4000.00} to get the car out of in impound. I no longer live in XXXX and can not retrieve the car under any circumstances.. This car should have been repossessed and should be back in the care of XXXX XXXX in XXXX. I AM DISPUTING THE ACCOUNT ON THIS REPORT FOR THE FOLLOWING REASONS. ACCORDING TO THE FEDERAL TRADE COMMISSION, THE CONSUMER FINANCIAL PROTECTION DEPARTMENT, AND UNIVERSAL ACCEPTANCE CORP. I DO NOT OWE THIS AMOUNT. THE AMOUNT I I OWE IS ONLY {$880.00}. Which I am willing to pay to settle the account and have this removed from my credit reports even though the car is only worth {$330.00} or less according to XXXX XXXX XXXX. XXXX XXXX is a disreputable company and has sold me a lemon. Under the lemon law they are required to fix the mechanical issues with the car and they refused. I resent the way I was treated in all of these matters described in this complaint. I resent that they ignored a decision made LEGALLY by a UAC employee to reduce the amount owed. The refused to assist me in getting my car back. They are still in possession of the title of the car and are the only ones responsible to retrieving the car out of impound. The manager XXXX should be charged with Gross misconduct and Poor Business practices in every aspect of my complaint. He was a failure at doing his job and should be dismissed. He offered no customer service no assistance at all in helping a customer with this disastrous situation. In fact he went out of his way to be disrespectful, nasty and unprofessional every time I had to deal with him. XXXX XXXX/ UAC failed to keep their end of the deal put in place regarding the balance and the complaint with the FTC and the CFPB. XXXX has misrepresented themselves and brokered the job to a disreputable and untrustworthy driver. They collected the {$210.00} I paid them then washed their hands of the situation. Obviously, I have become a victim of Scam, swindles and theft and I do not feel that these companies should go unpunished. I am willing to pay {$880.00} to receive my title and get my car back. I would also expect this dispute to show on my credit report and I expect that when I settle this for the {$880.00} I owe and for this to be removed from my a credit report completely. I am making this offer officially, I will pay {$880.00} to XXXX XXXX/UAC to return my call and register it as Paid in Full. I will pay the driver of the truck the {$250.00} agreed to in the signed agreement with XXXX to have my car returned in tact without damage with all property inside returned as well. It is to be returned to my current address in XXXX, WA and no additional costs or fees. Thank You and I am anxiously awaiting a response from each of the companies and/or agencies below.
05/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94806	Web
Hello, Im writing in regards about a Car Company CarHop in XXXX California. Im purchasing and I'm financing a car with them. I have not had a chance to drive my car long due to the fact it has been in the shop twice now. I do understand that all Cars are used, the car that CarHop sold to me was dangerous and should have never been sold to anyone. The car was dangerous just being on the highway, the car could have not passed a safety inspection. CarHop Financed and sold me a car with bad back brakes pads, broken engine mounts, both front wheel hub and bearing broken, front axle was broken, transmission mount broken, alternator went out on the Sixth day I had the car, along with bad bald tires. I received the car XX/XX/XXXX. The car went into the shop XX/XX/XXXX to be repaired. In the beginning they were refusing to fix the problems. I also asked the Sales Manager at CaHop in XXXX if there was a better car I could have, he said No, the only other car was a XXXX XXXX. I also asked the Finance Manager could the Price and the Payments be lowered, I was told No. The mufflers were hanging off the car and were replaced the next day XX/XX/XXXX after I insisted they needed to be replaced! I had to take it to one of their Authorized shops on their list, the Men at the Muffler shop seen that the Mufflers needed to be replaced. The Mufflers has holes in them, they were all bent up cracked and opened. Prior, CarHop told me that the Mufflers were fine and they just needed to be mounted, they also told me that the car had been inspected and it was safe to drive. That was not true, the car had broken Axle and wheel bearing, thats very dangerous to even have a car on the Highway. The first time the Car went to the shop, it was there 12 days. I drove the car for two days because it was having problems again, I took the car in on a Monday, XX/XX/XXXX again, I was told the Alternator was bad by the Mechanic, CarHop Service department ordered a used bad Alternator the 1st time, the 2nd time they ordered a new Alternator. I did receive a call stating that my car will be ready on Tuesday XX/XX/XXXX, I had to wait because it had to be ordered. None of this is right at all, Im just seeing Im not the only person that has been giving a Dangerous car to Finance. I have been reading many horror stories about other People experiences with CarHop mor and more everyday. The car broke down in 7 days, I had to ask them if they could repair what needed to be fix, at first they denied it. I had to send a email to the CEO of the company. Prior to asking about the repairs, I asked if there was a better working car? The answer was no. The second time the car broke down because CarHop purchased a used alternator. I have asked CarHop in person and over the phone twice could they lower the purchase of the car and the payments, they refused too. I then sent a email asking the CEO about the price and payments of the car, I received a response from his team and I was denied the request. CarHop was very deceitful by telling me the Car was inspected, I even had one of the Staff Drive the car while I was in the car and I asked about a noise coming from the engine, the Manager even told me the car was good. I was told the sound was normal. The car could have Not been inspected from the beginning. Anything could of happened on the Highway in the car, the Axile was broken, both frontwheel-bearing broken. Im sad, I cant believe all this, they would put a person through, I have been very Patient and at the same time hurt over this. Its unbelievable! I Purchased the car on XX/XX/XXXX Drove the car a few days then in the shop 12 days drove the car 2 days then took back to the shop. I have been spending money, I really dont have on XXXX. I should not be catching XXXX at all. Yes, they have fixed the problems on the car, but whos to say whats next with the car, the Tires are bad and they refuse to replace the tires, the price $ XXXX the price should be {$1500.00} for this the car. Not to mention the car was given to me filthy dirty, in the inside. Not clean, yes I know its a used car. I also apologize if I have repeated myself. I also had a 1987 XXXX XXXX XXXX something miles. I traded in, CarHop gave me {$50.00}. Even-though I emailed the CEO, I was told he does not talk to customers at all, I wanted to ask him about the price on the Lemon that was Financed and sold to me. To lower the price and payments and also for a different type of car. Thank you
02/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98499	Web
So, I am a young XXXX male consumer of carhop in XXXX, wa. Unfortunately i have encountered some of their unfair practices. My car is a XXXX XXXX XXXX XXXX. Things were ok when I first purchased this vehicle and some their disorganization and trustworthiness started to diminish as I ran into issues. I have missed a couple of these payments in XXXX and I made two payments in prior months and became current on my payments on XX/XX/XXXX. Prior to these dates my car was inoperable. My check engine light was on and I was already reassured by carhop that they most likely would not recover it. I paid my bill late but surely was not aware of any disabling device prior to buying the car or at this point. My bill was current and my car was inoperable as of XX/XX/XXXX so I had no clue to what was the issue with car was. My friend as a kindness decided to fix my vehicle but even he had trouble with the vehicle and even figuring out what was the actual issue with it. Having no prior knowledge of an interlock device installed on my vehicle, I presumed it was a mechanical issue. My car was stuck at my job for several days and I had to rely on my friends knowledge of cars and kindness on vehicles. During this time I was not contacted once by carhop and was convinced it was a mechanical issue. I had to troubleshoot my own car during work hours and after work. He checked the starter, the battery, the alternator, all of the fuses, and all of the other parts as well. He spent 4 days of this while I spent the money troubleshooting for a car that had all of these problems. It wasn't until my friend told me that there was an interlock on the car that I realized the issue on the vehicle. He unconnected unknowingly trying to figure out what was wrong with it after several days of troubleshooting and me purchasing parts! He disconnected it and it started up every single time. I don't have that much knowledge of cars so my friend put it back on. So, at this point after them not fixing a mechanical issue with the car, installing a device on the car without my knowledge, and disabling the car I had little faith in this company overall and their abusive practices. I am a legal driver in the state of Washington and installing a device on a vehicle without my knowledge is illegal. Later on next month I had two fraudulent charges, charged to my bank account. This offset me but I paid two car payments on the XXXX and thought that this put me ahead. My bank reset my account and I thought I was in the clear. My automatic payments were disconnected from my bank account but I had no inclination to this until a couple of days ago. Carhop and their reposession service took my car 2 days ago with no messages or no letters on my behalf stating that there was late payments.These practices seem unfair and abusive to me, and from reading their reviews they tend to prey on younger victims trying to fix their credit. Also during this time I have a XXXX XXXX and have been sent home from work because of it, and not having a car is making my life more difficult. I was already supposed to pick up my XXXX yesterday and I couldnt because I did not have a vehicle. I feel very attacked and harassed by this company, even though prior to XXXX all of my payments were on time. I arrived to the lot in a XXXX, and I spoke to customer service even though they were very dismissive. They promptly put me on the phone with customer service and told me I owed a total of 4 missed payments of {$190.00} and a {$380.00} fee for the repossession for a total of XXXX. But if you look at the dates between XX/XX/XXXX and XX/XX/XXXX for a total of XXXX, which is less than a biweekly period my account should have been current. They also informed me that I would have to check if the device was tampered with and call my employer as well. Their customer service members agent was very rude and told me I was lucky to get it back.
03/16/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98012	Web
Due to the great recession, my credit has been low since XXXX. I somewhat re-established my credit through Carhop after 2 attempts to payoff a vehicle finally happened in XXXX. A year later, it began to die. I was approved through XXXX for a new XXXX XXXX. Loss of job the next week put me behind. I caught up & almost instantly was forced to move due to a toxic relationship. The finance manager informed me I needed to surrender the car, I could n't afford it, & regardless how much towards the balance I paid it would be repossessed. It was a week later taken & I was stranded. I got a Lyft to Carhop & worked with XXXX, the lot manager at the XXXX branch. He was wonderful. Despite UAC 's 5-hour response time & refusal to finance anything but a XXXX XXXX XXXX ( which decreased my income by a big chunk as I was an XXXX & the XXXX failed to pass the XXXX & gt ; 10 years old requirement ), XXXX deserves high praise & a much better company for which to work. The XXXX I took for a rapid test drive as I was trying to make it to a work shift ( already 2 hours late by this time ). I noted the brakes seemed to have difficulty gripping & the hood latch was gone. XXXX promised to get the issues resolved. After signing, I noticed almost immediately the car 's brakes were completely shot as were the struts & especially rear shocks & thermostat. This car was dangerous to drive. I informed XXXX instantly the following morning & we got the car confirmed through XXXX XXXX of the issues I had cited. 4 days later, UAC denied the repairs as they did not fall under warranty responsibilities. However, the 7-day customer satisfaction guarantee helped XXXX get all but the front struts repaired. The process : over 2 weeks. During that time, I had to replace 3 bulbs & 4 fuses. The check engine light I had checked which alerted a " vapor leak '' aka it needed a new gas cap. I replaced the cap and weeks later, the light remains on. The real issue was payment & my finance manager. I had gotten a sizeable advance in order to pay on my XXXX, but it was taken the next morning. I therefore used that money to put down on the XXXX XXXX {$470.00} XXXX. This cut into my rent nearly 80 %. I spent the next several weeks trying to catch up. The XXXX payment for the XXXX was 2 weeks after purchase. A car wash where I had used my debit card had charged me 3 times ( $ XXXX ) which caused my UAC payment to bounce back. I was unaware of this as the 3 transactions nearly-equaled my bi-weekly payment for the XXXX. I was n't aware until I got the text from UAC stating my XXXX 's starter had been disabled. I had no clue this was part of the agreement I 'd signed. I knew there was a GPS chip, but I had no idea if I was a little late that Carhop would shut my car off. A large enough portion of my income relies on my vehicle & getting to my 2 other jobs requires I have a vehicle. On XX/XX/XXXX, the UAC payment was due to automatically take out my Ion payment. On Monday, I knew my XXXX payment was due to come out as well. Yet somehow, the XXXX payment processed a day early & UAC did not process their payment until afterwards. I called Carhop & XXXX informed me my finance manager was out on a family emergency. I spoke to UAC, offered the {$130.00} I had of the {$190.00} due, they would not accept a partial payment, I expressed my concerns about the car being shut off, they said it had " not gotten to that point yet '', the next morning I missed a call from I assume my finance manager, and instantly afterwards, I got the " cut off '' text. I had to cancel delivering the rest of the afternoon to ensure my car made it home. I had kept up on my end of " keeping communication open '' & still got shut off. It had been ONE BUSINESS DAY & I was shut out of driving my vehicle. This feels wrong, immoral, and is a ridiculous practice. 1 business day is n't enough.
08/07/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 99337	Web	Servicemember
XX/XX/XXXX I sign a contract with carhop for a car XXXX down on a used car kind weird cause XXXX down would be newer car not a junk card that is over price of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX its worth XXXX toXXXX the car price at the car hop dealership it was {$7600.00} that way to munch for that car price at the dealership it should been lower so yeah I was about not to sign it the deal cause it has problem but they were try to pressure me into buying it and they said all car are reliable they gave a XXXX XXXX XXXX next thing their going to have lots of problems before hand transmission power steering and etc so when I signed and before I signed the contract I told them about the when I get payed XXXX between the XXXX for my SSI and other check XXXX between XXXX we agreed on the XXXX before I signed the contract said XXXX. I told XXXX at Carhop before I signed I ask him are you sure its the first not XXXX for payment date and I signed and next week after I got the car I called double sure the payment say the XXXX cause online it said the XXXX see when you sign a contract its suppose to be all perfect no mistake nothing no redo on updating my contract well the week when payment was due online it said the XXXX I miss 7 day late payment. On XX/XX/XXXX I got sketched out cause of the dates being the XXXX they were trying take Monday the XX/XX/XXXX I called XXXX I asked is it the first she said my payment is due on the XXXX of XXXX she had to call that is the person who said it was the XXXX then they turn around and lie to me saying it was due on the XXXX and then XXXX lied to my mom and me saying that what you told on the first day to put the XXXX down he cant remember that is its very good sales person if he cant remember his customer on what happen on that days anythe XXXX the finance carhop said I have the your autopay with drawl schedule to be on the XXXX okay and the next XXXX told me you need have me and my mom come in to sign a new contract and to update payment dates I said why most car dealership can update their payment on their computer over phone my isnt feeling well and XXXX once again lie me said we can make a new fresh contract and put in the correct payment dates starting XX/XX/XXXX but XXXX said XXXX we can offer you that but with the stress for me my mom is not so good mom isnt feeling well and now XXXX said I have a day to think about it I need make a payment or give the car back today on XX/XX/XXXX I asked her me and mom wants to start making that payment on XXXX was trying tell that our off skip XXXX start Fresh Payment Date in XX/XX/XXXX I take XXXX doesnt like it and she change her attitude towards me really when I was about to say Tge RCW in WA state has at least 30day cause I can tell she doesnt like what I had to say cause Im right she said no you need make payment or take car back Carhop violate consumer right on payment and this contract me and my mom could of did better but she does didnt wan na listen and she knows Im right gps starter disable you can start the car right away if on or off and then she said if dont want to pay take car back I said to myself hold up this is not cool i told her I have rights she didnt really care what I had to say or offer then repossession XXXX i have few day to make the payment to redeem it back I said what if you repossessed you dont have 3 days you have. Two weeks and most other dealrships gives you at least 30 up to 90day also send you a letter out of the situation and I believed carhop did the same thing what they did to consumer back in XXXX with carhop class action lawsuit. Carhop in XXXX WA XXXX XXXX XXXX
06/21/2022	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	WA 99224	Web
This is the second complaint I have filed for this same issue. CFPB claim # is XXXX. The day after I bought the car a XXXX XXXX, it stopped dead in the road twice and I had to have it towed to a mechanic, I could only use the mechanics that they told me to or I would be voiding my warranty. I took it there and also found out that my catalytic converter was about to go, I was unable to use my car for a month. Because I had to pay to have it fixed and made limited money at the time I was late on a payment. Apparently, it is Car Hops policy to install a special device before I buy it that enables them to remotely disable my car. They would disable my car the day after I was late on my car without notice. This among other things was why I reported them to the CFPB for poor business practices and harassments. Please see the attached email that I sent to UAC when they did not follow through with their promises to cut my balance in half. Hello, I am a bit confused. When last we spoke and I agreed to an arrangement that was recommended by the complaint I filed with the CFPB and we agreed my balance was to be brought down to {$2100.00}., and that my payments were going to be around XXXX. However the UAC website still showed the same balance and that my payment on XX/XX/XXXX will still be XXXX. I received a letter today that states the same thing. I also reported them to the FTC. Under the impression that I only had only this amount to pay to pay off the loan I continued to pay My monthly payment of {$170.00} on time. In XXXX of XXXX I was forced to move to XXXX. Because the car was so unreliable I decided to have it transported. At this point I thought I only owed a remainder of {$750.00}. The car transport company refused to deliver my car ( it was supposed to be delivered on a Friday ... when I would be receiving my last pay check ) but they 'claimed ' they tried to deliver it on a Tuesday and demanded payment. *this was all by phone '' they never brought the car to my home in XXXX XXXX I investigated with XXXX earth and discovered my car parked outside of some ones house in XXXX in a VERY nice neighborhood. It hadn't even been impounded. I called Car Hop and told them about the theft and told them if they could go to the location and get my car I will pay the balance I owe as well as any fees. The manager, a man named XXXX said " NO WE DON'T DO THAT '', I tried to negotiate something to pay this off and get my car back but they refused. I ended up taking the bus in my new home for XXXX and a XXXX years, It wasn't until XXXX that I pulled my credit report and noticed that the negotiated amount was never reported and it is still showing that I owe {$2900.00} which is NOT true. If I owe anything it is only {$750.00} which they refused. It has been over 5 years since I last submitted a claim for this company and they are still harrassing me by keeping this erroneous information on my credit report. I am needing this matter resolved immediately and it removed from my credit reports.
06/21/2022	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	WA 99224	Web
This is the second complaint I have filed for this same issue. CFPB claim # is XXXX. The day after I bought the car a XXXX XXXX, it stopped dead in the road twice and I had to have it towed to a mechanic, I could only use the mechanics that they told me to or I would be voiding my warranty. I took it there and also found out that my catalytic converter was about to go, I was unable to use my car for a month. Because I had to pay to have it fixed and made limited money at the time I was late on a payment. Apparently, it is Car Hops policy to install a special device before I buy it that enables them to remotely disable my car. They would disable my car the day after I was late on my car without notice. This among other things was why I reported them to the CFPB for poor business practices and harassments. Please see the attached email that I sent to UAC when they did not follow through with their promises to cut my balance in half. Hello, I am a bit confused. When last we spoke and I agreed to an arrangement that was recommended by the complaint I filed with the CFPB and we agreed my balance was to be brought down to {$2100.00}., and that my payments were going to be around XXXX. However the UAC website still showed the same balance and that my payment on XX/XX/XXXX will still be XXXX. I received a letter today that states the same thing. I also reported them to the FTC. Under the impression that I only had only this amount to pay to pay off the loan I continued to pay My monthly payment of {$170.00} on time. In XXXX of XXXX I was forced to move to XXXX. Because the car was so unreliable I decided to have it transported. At this point I thought I only owed a remainder of {$750.00}. The car transport company refused to deliver my car ( it was supposed to be delivered on a Friday ... when I would be receiving my last pay check ) but they 'claimed ' they tried to deliver it on a Tuesday and demanded payment. *this was all by phone '' they never brought the car to my home in XXXX . I investigated with XXXXXXXX XXXX and discovered my car parked outside of some ones house in XXXX in a VERY nice neighborhood. It hadn't even been impounded. I called Car Hop and told them about the theft and told them if they could go to the location and get my car I will pay the balance I owe as well as any fees. The manager, a man named XXXX said " NO WE DON'T DO THAT '', I tried to negotiate something to pay this off and get my car back but they refused. I ended up taking the bus in my new home for 1 and a half years, It wasn't until XXXX that I pulled my credit report and noticed that the negotiated amount was never reported and it is still showing that I owe {$2900.00} which is NOT true. If I owe anything it is only {$750.00} which they refused. It has been over 5 years since I last submitted a claim for this company and they are still harrassing me by keeping this erroneous information on my credit report. I am needing this matter resolved immediately and it removed from my credit reports.
05/31/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 80922	Web
I called Carhop at XXXX on XX/XX/2019, XXXX a senior manager at Carhop answered the phone. I proceeded to tell her I was frustrated because I called over two weeks ago and set a payment arrangement up with an agent because I was unable to pay on time and that agent from two weeks prior never cancelled my auto pay causing my bank account to overdraft twice since then and I was frustrated that I was getting calls and emails saying I needed to set a new arrangement along with over drafting my bank account multiple times since then. I let XXXX know I needed to set a new payment arrangement now and that I was able to pay everything current on XX/XX/2019. She advised me because they sent another auto pay through today I couldn't set a new arrangement and I needed to callback on Tuesday maybe Wednesday after the payment comes back NSF and that I would need to make a payment to set a new payment arrangement again, I became extremely frustrated that I was having to continue to call back and set new arrangements up along with them over drafting my account again, as I was explaining to XXXX how frustrated I was that they didn't cancel my auto pay when I called to set an arrangement previously and advised I couldn't pay, she proceeded to tell me I needed to be quite and listen to her so then maybe I would understand. She proceeded to tell me if I didn't pay something when I call back on Tuesday or Wednesday of next week that my vehicle could be disabled. She continued to cut me off while I was speaking becoming very abusive to me and continuing to tell me to be quite while I was venting why I was so frustrated, XXXX then proceeded to tell me I was being rude and she was going to hang up on me, she hung up the phone on me. I called carhop back at XXXX XX/XX/2019 after being on hold for 6 minutes and 22 seconds, someone picked up didn't say anything and hung up on me I, for a third time, called Carhop again XXXX on XX/XX/2019 when someone finally picked up I asked to speak with a manager, the woman got another senior manager on the phone named XXXX got on the line at XXXX on XX/XX/2019. When I explained what had happened with XXXX to XXXX she proceeded to tell me it was my fault that I didn't ask to cancel the auto pay and it's not their fault they over drafted my bank account. I explained if someone is calling saying they are unable to make their payments on time and is setting up a payment arrangement why would they not cancel the recurring payments they are set up on, XXXX stated it didn't matter and it was my fault for not asking to cancel them when I set the payment arrangement. I became extremely frustrated again and XXXX told me she was going to hang up on me and I could callback again and speak to someone else. I advised her I want to file a complaint with them for the way XXXX and now XXXX have handled the call, XXXX continued to talk over me and said she was hanging up and disconnected to call on me.
10/29/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	MN 55418	Web
My open auto loan account with Universal Acceptance Corporation was removed from my XX/XX/XXXXreport all together. I have an XXXX XXXX XX/XX/XXXX I finance through them. I was alerted to a change to my account by XX/XX/XXXX on XXXX XXXX that an account was removed from my report. When I logged in I found that it was my carhop finance account. I asked through email why my account was removed and was told they were made aware and were working with the credit bureau to correct this matter. I have since had no contact from them in regards to this matter. Yesterday XXXX XXXX XXXX I called XX/XX/XXXXdirectly and asked why my account was removed. I was told that XX/XX/XXXX has no access to remove accounts, that has to be done by the creditor directly. I have had many many mechanical issues with this vehicle since I bought it from them on XX/XX/XXXX, which has total more then {$4500.00} in maintenance, fees for backup transportation and tows. Although they have helped with repair costs along the way. When paying over {$10000.00} for a car that is valued at roughly {$3800.00} at time of sale, I expect it to be thoroughly inspected. When issues arise I expect to be referred to competent mechanics if I have to go through those of your choice as stated to me many times. In total my car has been un drivable for at least 5 months and they have had to replace the drive shaft twice due to faulty labor. Its now having issues yet again. I still owe a total of about {$1300.00} and not sure if that is all interest accrued through the payment arrangements set to help pay for mechanics and not be threatened with repossession. Other then being strained for finances due to mechanical issues and an income issue due to covid I have stayed reasonably current on my loan and tried to stay in contact as best I can but even after explaining issues and when to expect payment they have called me every day at times looking for payment ( these issues happened specifically at the time of covid impacting my ability to pay ) and continued to threaten repossession even after chatting online with a representative that stated they had stopped repossession for the time being. The last time my car broke down was from approximately XX/XX/XXXX and wasnt able to be repaired until XX/XX/XXXX. At which time they suggested a couple times I trade my vehicle in, I refused. When my car was fixed I went to another auto dealer and had my credit run at which time I was denied because my score was impacted about 80-90 points I found out due to my loan delinquency during the start of the pandemic. It was about a month after this that my account was as removed from XX/XX/XXXX. Every time I have spoken to them in regards to my vehicle or loan after that they have pushed me to trade in my vehicle. I wasnt sure what area I should file this complaint under but feel this company has engaged in some very serious predatory lending practices.
04/02/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	CO 80504	Web
I visited UAC/XXXX on XX/XX/XXXX to search for a vehicle. I asked about a XX/XX/XXXXXXXX century and I was informed the vehicle is for sale {$4100.00} and payments are {$170.00} per month. I decided to apply for the vehicle. During the application process I told the car dealer I get paid once per month and the dealer said not a problem because the XXXX is only XXXX per month. After completing the application I was approved for the XX/XX/XXXXXXXX century. I signed the paperwork to purchase the vehicle then the price jumped from {$4100.00} to XXXX. I asked why the price more than doubled? The car dealer said the price includes maintenance, a warranty and interest. I became upset because none of this was disclosed to me before I purchased the car. Further more the car dealer told me that all my documents are located online if I have any questions at XXXX XXXX, however after navigating to the website I noticed no documents on the website. One week later I get a call from XXXX saying they needed payment for the XX/XX/XXXXXXXX. I explained I do not have a payment due yet because I get paid once per month. The XXXX associate told me UAC/XXXX only does biweekly payments and I need to make a paymemt asap. I told the XXXX associate once more that I have a contract in place stating I pay once per month since I am a salary employee. The XXXX associate said if I dont make a payment of XXXX by the end of the day XXXX will remotely disable the starter in the car. I never was informed nor agreed to this remote disable starter business yet carhop XXXX my car remotely without prior knowledge or consent. This continued for 5 months. I was told by XXXX my monthly payment schedule is processing and in the mean time I should take out payday loans in order to make the biweekly payments or else XXXX will continue to disable the starter within the XXXX XXXX. For 5 months I dealt with this having to take out payday loans to pay biweekly payments when I get paid monthly. This put me in extreme debt and in hot water with my boss because I could not get to work due to the starter being XXXX. This behavior caused me to lose my job, become evicted from my apartment and I'm in extreme debt. I called XXXX to make arrangements to come pick up the XX/XX/XXXX XXXX because XXXX put me in debt however XXXX said they will not come get the car because they have to wait 30 days and XXXX threatened to ruin my credit. I am very upset because XXXX promised me monthly payments of {$170.00} for a XXXX XXXX century {$4100.00} however XXXX lied by raising the monthly price to {$380.00} and the payoff price to {$9100.00}. In addition, the XXXX started making a loud grinding sound and did not work properly so I took the car to a mechanic who told me the car was involved in an accident and was auctioned off to XXXX XXXX XXXX XXXX XXXX never told me this car was prior damaged.
11/10/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 990XX	Web
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, doing busines as " XXXX XXXX '' ( XXXX XXXX ), and its financing company, Universal Acceptance Corporation, ( UAC ). I did not have to put any money down, the payments were {$190.00} every two weeks. I automatically set up direct deposit payments from my checking account to begin XX/XX/XXXX. They pulled the first payment plus a {$3.00} fee through XXXX XXXX XXXX payment. A few days later, I received a text and email stating to call about my payment. My car was disabled until I called in and made another payment. This has happened 3x as they said the payment came back NSF ( Credit card and checking account ). I called the corporate office in XXXX, MN and spoke with a Customer Service Representative who did n't know anything and said that I needed to speak with my finance manager " XXXX '' in XXXX, WA. I was transferred back and forth and made another payment until I received my bank statement. I emailed my statement over to " XXXX '' at the XXXX, WA location and she said that she would give information to her " Finance Manger ''. Needless to say, my vehicle was disabled again when I had to take a client to XXXX, I called XXXX XXXX again and XXXX enabled the vehicle so I could get client to hospital but she XXXX before we could get her there. I am so done with this SCAM Company. I received a call today ; ( XX/XX/XXXX at XXXX XXXX from " XXXX '', the Finance Manager and he asked me if I could pay the {$390.00} that is owing on truck, I said " no '' and I 've already paid you people and sent over documentation. He went on to say that they have not received a single payment and if I could bring truck back to them if he enabled it. File No ; XXXX Consent Order, this company needs to be shut down. He ( XXXX ) told me that I would need to sign a " release of the loan '' when I bought the vehicle back. Carhop has made deceptive representations to consumers and will do anything to get money from the customers repetitively. They are very unprofessional, rude, uncaring and all that matters is the almighty dollar. One would think that they would have learned their lessons from the Consent order but they continue to practice this way. The vehicle was my only means of transportation and cost me my job and all they care about is $ $ $ $ $ $ and not their customers. I have proof that these payments were taken out of my account and I even emailed everything over to " XXXX ''. XXXX XXXX also provides false information to the three credit bureaus and hinders customers from obtaining credit for home loans, car loans, any type of loan and they have been ordered to pay over XXXX XXXX on XX/XX/XXXX. Why are they still in business and allowed to continue to do this to consumers/customers? Many lives have been affected by their " GREED '' and unlawful practices, it needs to stop now.
08/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	WA 98292	Web	Servicemember
I showed up to carhop In XXXX WA, they could see I was desperate for a car after they pulled a beaten switch on me with a couple different vehicles? They finally got to the one and only vehicle they would offer me which was a XXXX XXXX XXXX with obvious rust damage throughout the whole car massive amounts of dog hair all throughout the seats, filthy dirty, never was detailed not even cleaned., we all have a choice however I was in a XXXX XXXX need for a vehicle. They told me I couldnt get a nicer vehicle that actually cost the same or less as this one they charged me over {$13000.00} with terrible interest rate out the door for this Lemmon, that had mechanical problems from day one I called him, informed them as they tell me to do they give me a number and name to a mechanic that use for customers problems only for me to call never to be able to get through to somebody, and when I finally was able to, they were not only days or weeks out of an appointment they were months out! Mechanical problems became worse with this car. The rust was getting bad. There was black mold throughout the car and to make matters worse when I was doing the financing I said, what about insurance? They told me. We do not care if you get insurance one way or another so I naturally put that off, however? I did say. I 100 percent t need GAP insurance! That they refused and they said they dont do that I have to pay for that elsewhere? Since then the car was stolen and I got a phone call from the towing company where I went to retrieve my belongings out of the car that were still left that were not stolen for me and the car was completely wrecked and its still in the XXXXXXXX XXXX XXXX in XXXX Washington wrecking up Payments owed the car was stolen from me. I called the XXXX police gave them a report. Nothing came of it and said Im not gon na pay for this car. They keep calling me to make payments on the first three months I was late on my payments, but made the payments after that I made 3 to 4 more payments on time every time as soon as it was due now Im going on two months late I think 37 days to be exact? I need out of this lemon they charged me over {$13000.00} for this car thats not even worth {$1500.00}. I need to get a new vehicle but I cant do anything with this on my credit. They want to help me pay it lower amount to charge it off paid off? But Im not gon na do that they have gotten more than what its worth through my payments. Theyre not getting another dime for this car no matter what. They used bait and switch tactics they used a price change tactic where they had a sticker price and then they told me the real price? The sticker price was {$2500.00} and then they told me it was a mistake it was really {$13000.00} give me a break? Total scam artist beware please help me out of this.
05/13/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95864	Web
On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing
01/22/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MN 551XX	Web
I am a returning customer to Carhop UAC XXXX, MN. I leased a XXXX XXXX XXXX from them in XX/XX/XXXX. The car was having electrical problems all the time. I was always getting fuses. In XX/XX/XXXX, I started hearing cranking and dragging noises. After talking to XXXX, ex-mgr of the Carhop, I took my vehicle to a Carhop approved contracted auto repair shop. All of the brakes, brake lines, axle, wheel bearings, control arms, electrical/fuses problems, etc. was wrong with the car. I paid {$600.00} and XXXX paid the rest of the {$1300.00} repair bill. The car continued to breakdown. Once I was left on one of Minnesotas 's busiest highways, close to the twin cities, during a snowstorm, with children in the car. If it weren't for MNDot, pushing my car off the road, I probably would've caused a terrible accident. The mechanics contracted through Carhop said that I should've never leased this car. In XX/XX/XXXX, the same noises again. I believe the repairs were only partially done to kill the noises but we're not done completely. I was told by the owner of the repair shop, that after I paid another additional {$1300.00}, that I would be reimbursed by the repair shop or Carhop. After talking to the new manager of Carhop, XXXX, I was told they would look into it. I have children I need my car. Plus the mechanics agreed with me, that this was duplicate repairs that were not done in XX/XX/XXXX. Carhop and the mechanic shop played the blame game against each other for months while I just waited making my car payments and constantly breaking down. In XX/XX/XXXX, same noises again. This time I realized that the driver side back brake line was sealed off. That brake line was clogged. And the inner brake pad was not there. The mechanics did not put a brake pad on the inner back driver side tire. The same mechanic wanted to charge me again, for duplicate repairs. I was never reimbursed my money from either companies and in XX/XX/XXXX, my vehicle was repossessed for non-payment of my car. From the time I received that car until it was repossessed, I have been spending money to keep that car together. Electrical issues were within the first month and I was told by Carhop 's mechanics that they were just fuses. Well if it was just fuses, XXXX and XXXX knows me pretty well. Now, all I get are rude, arrogant, unprofessional calls from Carhop UAC finance asking for the remaining balance on a car they illegally repossessed and threats of damage to my credit reports. I just received a call today, from XXXX. The district manager of Carhops in Minnesota. She was the worst. I can't wait til the hand that rocks the cradle hits this company, especially after everything that was done to XXXX XXXX.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93637	Web
Subject : Request for Correction of Inaccurate Reporting and Revocation of Consent to Share Information To Whom It May Concern, I am writing to address critical concerns regarding the reporting practices and contractual obligations between myself and Carhop Finance, specifically in relation to the sharing of confidential information and the acknowledgement of the termination of a security interest. On XX/XX/2023, I formally notified Carhop Finance, pursuant to 15 USC 6801-6805 and 16 CFR 313, revoking all consent for the disclosure of any transaction history between myself and Carhop to XXXX, XXXX, XXXX, acknowledging my rights to privacy in this financial relationship as supported by the Federal Trade Commission XXXX I am aware that the information shared by Carhop Finance violates these regulations, as they are reporting prohibited details, notably a " charge off, '' which, according to IRS publication 4681, pertains to income and is not to be included in credit history. This misreporting has the potential to significantly impact my financial standing and credibility unfairly. Moreover, Carhop 's privacy policies only mention affiliations with " financial companies such as auto dealers with a CarHop name '' and " companies with a Universal Acceptance Corporation or CarHop Finance name '' as authorized third parties for information sharing. However, the reported disclosure extends beyond these stated affiliations, violating the outlined policies. Additionally, my notice of revocation also included the termination of all granted security interests on pages 1 and 3 of 8 of the " retail installment contract. '' To date, I have not received any acknowledgement of this termination of security interest, nor have I been reimbursed for funds paid out of pocket, despite the note having already been paid to the order of Carhop. This inaccurate reporting and lack of acknowledgment regarding the termination of security interest not only compromises the accuracy of my financial records but also has the potential to cause irreversible harm to my status as a surety or beneficial title holder in private. I am requesting an immediate correction of the reported inaccuracies and a prompt acknowledgment of the termination of the security interest, along with reimbursement for any payments made toward the note. This will rectify the erroneous information and prevent any further potential damage to my financial profile. I appreciate your urgent attention to this matter and expect a prompt resolution in accordance with the established regulations and contractual obligations.
09/12/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	RI 02910	Web
In XX/XX/XXXX I financed a vehicle with Carhop, I was XXXX young and XXXX I needed a car fast, so I went to carhop. I put a XXXX dollar down payment on a vehicle. I financed the vehicle for XXXX with XXXX miles and XXXX a week also is XXXX a month the vehicle was a XXXX XXXX XXXX but strongly looks like a XXXX model. I was not able to choose the vehicle I wanted, they had to choose for me .Not to mention they had me test drive two vehicles and one of them was a XXXX XXXX and the check engine light was on. so I went with the " XXXX '' XXXX XXXX ( not like I had a choice ) Let me start off by saying when I purchased this car it wasnt even the original car key it was a copy key that they gave me! So the first week I had this issue my car did not start. Now when I purchased the car I was told that I had a warrenty and I have proof of that documentation as well and they were telling me I had to solve that issue on my own, so I called the XXXX and sure enough they were on it. Then a week after that they told me the car was all set but then broke down a few days later, they had a fellow in XXXX take a look at it and said it was the " fuel pump '' fast foward to a couple weeks after that issue was resolved. My prom night, I was left stranded because my car did not start YET AGAIN. THEN, when I threatened them with the XXXX and a lawyer they magically found a resolution to start my car. Because it was a ghetto copy key and not the original key I had to turn the key in second position and wait 15 minutes before starting my car again because they KNEW it was a security issue from not having the original key, and the original key contains the chip. I had to do this everytime I started my car. They stated that the security system is causing my car to not start. I got sick of putting money into this junk and let them reposes it. When they reposessed it, the vehicle was not running. Turns out they sold the car for like XXXX dollars, XXXXXXXX XXXX XXXX value wasnt even worth the amount they were trying to sell it to me for. A few months after purcahsing the car that carhop in Rhode Island was shut down because of the lemons they were selling to consumers, and they were being sued. They sold me a lemon and up until now I felt so powerless I had no Idea who to go to, who to speak to about this. They lied about reporting my payments to the credit bureau and left me with a XXXX lemon debt on my credit report. After reading hundreds and hundreds of consumer reports online, I cant even think to believe how this corrupt company is still in buissness.
05/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78223	Web
I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.
12/30/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	MO 631XX	Web
Last year around XXXX i went to Car Hop. A Buy here Pay here car lot. they told me i could put any amount of money down and drive off with any of the selected cars i was approved for. They did not tell me the price until i signed the papers. at the time i was in desperate need because i had to get back and forth to work and school. i did n't have any help but never wanted to put myself in a fix. And at the time i was only XXXX. But i ended up picking an SUV i found interest in. I asked the price but they ignored the question. so i just followed through because i was just excited that i got approved. After i signed the papers i asked the price again and they ended up telling me it was {$8000.00} almost {$9000.00}.! but at that point i could n't bag out because i already signed paper work. If they would have to me the price when i first asked i would n't have ever purchased a 2003 XXXX for that price. so that 's the first way Car Hop had gotten over on me. Second i 've had complications with this SUV since i first got it. the altinator always go out, the tires always blowing up and i put my life in jeopardy driving on the highway because of this. I 've put more money into this car than anything! Last, now since they 're closed down ( and the car is down now as i speak ), im trying to get another car but i ca n't. Everything car lot tell me that Car Hop put me in a bad position because first they put A LOT of interest on the car plus they over charged me, plus they messed up my credit. Im only XXXX and cant get nothing because of the broken SUV that 's on my name. Every car lot tells i would have to get a second loan or they will have to add the rest of the SUV onto my new car ( making my new car note $ XXXX {$500.00} ) and i feel its just unfair. i need to get this car off my name. I need money or for Car Hop to get this car off my name. I 've been patient for so long but its got to a point where it 's ruining my life!! im only a college student with a full time job. I cant get anything or get approved for anything in my name because of an over charged car with high interest from Car Hop!
11/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CO 80525	Web
My fiance and I are paying off a loan on our vehicle. Our vehicle came with an 18 month, XXXX mile warranty. Our engine blew up and needed to be replaced. Please keep in mind this damage is covered under warranty. I believe this business A ) planned for the engine to fail just outside of the mileage warranty, but because we do so much high way driving, the engine gave in before then. I think Car Hop B ) is GROSSLY mistreating and taking advantage of their customers to save a few bucks. We were first told it would be about a week and a half for our vehicle to be repaired, it has now been 3 weeks. After going to the dealership we were stalled for over an hour and the ONLY thing done was we were told our car would be done by this Wednesday. Please know it is outrageous that this is happening when we have not even had this vehicle for 1 year and are below the mileage warranty as well. The damage is covered under warranty but we are stuck paying out of pocket for the tow, we are required to pay a deductible ( Which was at first and on our contract is XXXX then after going to the dealership for help turned into XXXX ), we are paying almost {$300.00} a week for a car rental, and also still paying almost {$300.00} every 2 weeks for our car payment ... .all for a car that this company knowingly sold us broken and were hoping broke after the warranty once we were stuck in our contract and broken car. Unfortunately, they will be paying for a new engine themselves, as they should for a defective vehicle. But what kind of dealership leaves their customer to pay thousands of dollars? Not to mention, there's 16 HOURS of PTO I was forced to use to ensure I did not get fired, lose my home, insurance, and car. We then were told we will need to go through this whole process AGAIN paying out of pocket for being car-less ( again while the vehicle is being repaired under warranty ) to have the transmission ( also under warranty ) repaired at a DIFFERENT shop. On top of all of this we are stalled at the dealership and rushed out rudely and couldn't get the sales associate to print our contract.
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80207	Web
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/ and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/29/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	WA XXXXX	Web
Was looking for an inexpensive car and had to get one quickly to be able to leave for the other side of Washington asap. Well, because I only had {$500.00} to put down on one they said I would be limited in my options. Asked carhop about a specific one, arranged to come see it, hoping I could just get it and drive it off the lot if it was decent enough. When I got there they sprung it on me that, oh no that one I wanted was gone, this other one over here is the only one I could still do with my XXXX. I was in desperate need of a car, so I agreed. I put XXXX down and payments ended up being like XXXX every 2 weeks ( so roughly XXXX a month ). I kept paying until I lost my job and then i couldnt afford the payments anymore. I went to tade it in ( at a diffferent place because we had moved at this point ) for something that is smaller and that is more gas efficient, but every person i talked to said i was being ripped off by carhop. The car was worth around XXXX ( they said probably even less ) and based on our loan they were charging us over XXXX the price of the car. We still owe over XXXX on it! Most of them said to just let it get repossessed, one even said he would help us file complaints because he thought the loan was " predatory, disgusting, and repugnant '' One of the people from CarHop has been talking to us and saying she will help us and offering to do a payment plan, which we were still in the midst of talking about. Suddenly we hear the tow truck outside. So basically seems like she was just buying herself time to get the repossession approval or something. If not that, then WHY have it picked up in the MIDST of negotiations? At this point I just want the loan taken off my account or marked as closed and paid up. Because this is absolutely ridiculous and a scam.
09/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web
In XXXX, I purchased a car with CAR HOP ( Universal Acceptance CORP ) that I voluntarily returned. Carhop ended up selling the account to XXXX XXXX XXXX which resulted in me having to go through XXXX to pay the debt off. XXXX and I settled on the debt, and I paid the FULL amount of the collections account on XXXX ( LETTER OF PROOF ATTACHED ). I contacted XXXX XXXX XXXX to remove the collections account on my credit report and they happily did so, since the debt was paid off. ( COPIES OF GOODWILL LETTER, XXXX PROOF OF PAYMENT LETTER, AND COPY OF CAR HOPS REFUSAL LETTER ATTACHED ) On XX/XX/XXXX, I wrote a letter to Car Hop, because they were still reporting a delinquency to the credit bureaus, and had the audacity to update the account which will now will result in having this account stuck on my credit report for another SEVEN YEARS. I sent them a goodwill letter asking them to remove the account that they were reporting, and also provided them with proof that I had paid the debt off. They wrote back saying that they are refusing to do so. I shouldn't have to suffer from something I did when I was a teenager. I paid the debt off, sent a goodwill letter, and yet they still refused to delete the account, only updating the account to report inaccurate information. Now i understand why they were penalized by CFPB in XXXX because they're consistently known for jeopardizing consumers credit reports. This account was originally added to my credit report in XXXX. Its now XXXX, SEVEN years from now, which means this account would have naturally fallen off this year. But they decided to update it, even though they sold the debt. A deletion would be a fair solution.
08/26/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web
This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or
02/03/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	AZ 85303	Web
Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
10/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55379	Web	Older American
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled. I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80634	Web
On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. Thank you, XXXX XXXX XXXX
09/16/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55418	Web
CARHOP /UNIVERSITY XXXX CORP did not provide me the proper legal registration at the time of leasing a vehicle to me ; And as a result the car got impounded and even though! had the money and valid drivers license, insurance etc. The auto pound would not release the vehicle to me because I didn't have valid registration and they also required that i have the title or they wouldn't release it and said that carhop would have to provide me with those documents or come pick up the vehicle themselves. I called and explained this to carhop multiple times and they did not care and made absolutely no effort to retrieve the vehicle from the pound! The y were extremely rude and only blamed me for the cops pulling me over and continued to demand payment for me and to make matters worse is that carhop actually signed a legal document with the " XXXX XXXX XXXX pound '' disclaiming their leased vehicle and permitting XXXX XXXX XXXX XXXX to auction the car off as abandoned property : And they never disclosed this to me at any time, they just continued to pressure and harass me for late payments for a car that i no longer had rights to at all! They reported this bogus account to all the credit bureaus as me being delinquent and in default of late payments and intentionally ruined my credit! THEY ALSO NEVER PROVIDED ME WITH ANY LEGAL DISCLOSURE forms of any kind at any time.. after trying to bully me into paying them anyway they finally had some lien title sent to my address after the vehicle was impossible for me to obtain about a month later.. its been a nightmare doing business with this company!
11/29/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NE 68123	Web	Servicemember
I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title. The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title. XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ). They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle. I have given them all information regarding the status of the vehicle yet they are still harassing me. I have also told them that I am in the process of working on a case with an attorney. I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.
12/18/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98012	Web
This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.
10/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80909	Web
I filed an application for credit with Car Hop and from the start have had horrible service from the sales rep named XXXX. He failed to follow up with me until I had to reach out to him. XXXX began asking for information from a previous application I submitted which was not the one with my current information on it. When I reached out to XXXX he failed to follow up with my primary form of communication as well. I called Car Hop on XX/XX/2019 to speak with a manager regarding the situation and spoke with XXXX. XXXX is not personable at all at the slightest sign of frustration he began to threaten to hang up on me and not do business with me. I was not verbally abusive not was I screaming, shouting or yelling at him. He stated that because I was making a complaint against him and his employees I was being abusive and he eventually hung up the call. This business failed to communicate with me about my approval or denial of my application on more than 5 occasions both by call and email. They refuse to tell me what the application status is and at this point feel that they have violated my rights as a consumer. I have not received any mail regarding my credit which was run by this business and want any record of them pulling my credit removed from my credit report as they have blatantly failed to provide the service they advertise. They are not conducting fair and reasonable business.
10/19/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	ID 838XX	Web
Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.
04/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	UT 841XX	Web
I bought my car 7 months ago from carhop. I've been caught up and timely in all my payments. I've had the engine replaced at XXXX miles which I feel is rather soon. Thinking the car was good after the replacement I went on a trip to the coast with my girlfriend dog. We had more problems its costs us nearly 3 grand, we took the car to XXXX XXXX XXXX XXXX XXXX and we found out our cv joints were stripped by the previous mechanic and our axel was cracked. we have photos and statements from XXXX XXXX. We fixed the cv and axel and headed home in the Nevada desert where we lost power we got towed to a town more out of pocket costs and we called carhop the mechanic we find says the alternator had given out car hop replaced the alternator then the car turns on but gas does not work now we are stranded in a small town in Nevada its day 3 the financial costs of all this has run us dry and we are looking at a XXXX dollar mother board part to the car and unsure how we will get home we feel carhop hires cheap mechanics. Give faulty cars to people, and charges far too much for them. We found out our car is only worth like XXXX tops we've paid XXXX for it and still XXXX to go. We don't want this car we want our money back we've paid monthly and timely we don't want bad credit we saw this is happening to so many other people and believe that car hop is a scandalous company.
06/10/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 150XX	Web
My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome
03/05/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	UT 84121	Web
I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94518	Web
I did not give my consent to run my credit for the following companies. 1. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 2. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 5. CARHOP XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 6. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 7. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
04/22/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CA 91932	Web
I decided to do business with CarHop located in XXXX, IL. They financed a XXXX Chevrolet XXXX on XXXX XXXX, XXXX through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the XXXX Cavalier to CarHop on XXXX XXXX, XXXX and they took the car back and put me into a XXXX Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am XXXX XXXX, XXXX and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for {$52.00}. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of {$52.00} remaining on the XXXX Chevrolet XXXX. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.
08/13/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MN 55420	Web
I lost my job due to a severe illness preventing me to work. I have a loan with CarHop finance aka Universal Acceptance Corp. And we worked out payment plans and I have emails specifically stating from one person that the payment plans will bring me current and the remaining balance will be pushed back to the end of my loan. I then started to be harassed by another person who says I still owe that balance. She completely ignored the fact that someone else stated I would be current. I went back and forth with her in emails because I do not have a phone to call from at this time. So all of this is documented and she is falsely saying I agreed to make payment plans on the remaining balance when I did not. Before this she said I must pay XXXX dollars so they could push the remaining balance to the end. Although I did not want to, since I was told something different prior, I still did it so they would stop harassing me. They took the XXXX and now won't push it back to the end which of course will later involve a repossession which is wrong because I followed all the instructions given to me since this has happened to me. Please tell me what to do because they are notorious for being criminal.
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53704	Web
In XXXX I had purchased a used vehicle from a place called XXXX in XXXX, wi. I called the loan company for XXXX, which is universal acceptance car. I kept with contact with the loan company, I was going through financial issues and so I called the loan advisor and had asked what I could do, The guy stated that if i voluntarily returned the vehical that it would not be put on my record and that my loan would disappear as paid. I took the car back in XXXX and gave it back, the lady working that day put it in as a voluntary return. A few weeks later XXXX had called me and told me that I would not be responsible for any more payments since they sold the vehicle. A month later the company went bankrupt and all accounts got closed. After they claimed bankruptcy I was then followed with a Claim of in which the XXXX was sold for. It was not my responsibility to pay for a vehicle for a price that it was sold for. Last year I had contacted XXXX XXXX to help me with this situation because it was all in accurate information put on my credit report, they then sold my account to a creditor in hope to claim money that I did not own for a vehicle they sold to someone else.
03/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75042	Web
XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly.
02/06/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MN 553XX	Web
I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?
03/07/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 550XX	Web
I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes
09/02/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 63123	Web
I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.
10/14/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MN 55423	Web
I was in a accident XX/XX/XXXX, I was hit going to my daughter apartment. XXXX XXXX totaled the XXXX XXXX XXXX XXXX. I got this vehicle XX/XX/XXXX, from Carhop. I should have never got a vehicle because I had a XXXX XXXX first and when I took it too get a oil change they told us that we didn't have a drive shaft because the XXXX can't be a AWD without the driveshaft. Carhop let me exchange the vehicle and I picked the XXXX XXXX. My payments were {$420.00} a month I made XXXX payments and on the XX/XX/XXXX XXXX XXXX sent Carhop {$5500.00} and they still asking for more money, I been reaching out to them since the accident asking them what can they do for us. All I got was a email for a late payment and I don't know why they would keep having me pay on a vehicle we don't have. I was spending my whole government benefits to pay for that vehicle. Now I don't have a vehicle and now they are going to mess me and my daughters credit up.
07/19/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WA 99207	Web
Currently I have a owed on my credit report from XXXX 2012 from Carhop that I just found out about. It is for a total of {$9800.00}. I currently should not owe anything to these guys. As I had the vehicle for 3 days the Check engine light was on the whole time. So I Took it into one of their shops. They said it needed a new engine all together. That they would rebuild one for me and put it in. Almost a month went by as it sat in their shop no new engine no nothing done to it. So went back to the XXXX Carhop to talk to them about all this. They said they were very sorry and gave me my down payment back and everything else I paid up front. Said everything will be cleared. Now I come across this that has been on here since 2012 and had no idea!!!!!! This is not right at all this Carhop company is and was and always will be a very very shady place!!!! I want this removed from my credit Immediately!!!
11/21/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CO 80123	Web
My name is XXXX XXXX I bought a car from carhop XXXX XXXX XXXX the XXXX XXXX XXXX value is XXXX but they charging me XXXX I've had problems with the car the first week of purchase the throttle body that was supposed to be repaired but never was the car drove the same now the car is completely broke down I had it towed to their mechanic once again I don't have money to pay for buses, lyfts, tows and still pay a car note I've put XXXX into this car for car payments I explained this to car hop they're threatening to garnish my wages and income taxes I use my car to make money I can't pay them if I'm not making money they sold me an overpriced car it should at least be running correctly they have put me in a jam/ burden as it is now their trying to distroy my life because their selling overpriced lemons please help I'm struggling because my car being down I don't need garnishments on top of that
12/10/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MN 55448	Web	Servicemember
I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 990XX	Web
I got a car threw XXXX XXXX my car payments were XXXX dallors a week the 3 week having a car the motor blew up and I repeatedly tried to get it fixed by them and I got no help with it I lived 45 miles away from the city get to work no buses come were I lived so I lost my job because they said they come fix my car but no results out of them after they came and got the car they are a horribly bad company that takes advantage of people I was a single dad with XXXX kids trying servive as they had me sink they wouldn't return my calls after they got the car so I stopped making payments they took advantage of me and made me feel small I attempted to do everything keep a XXXX smaller car that they were charging me XXXX for but there bad people taking advantage of struggling people I lost my job due to there promises fix the car and never did and never returned my calls
05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74137	Web
CarHop XXXX reporting missed payments and in correct balance on credit report, preventing me ( pigeonholding ) from obtaining a safe vehicle to drive. The vehicle is not safe to drive and Ive made several attempts to repair the vehicle and/or settle account with CarHop XXXX to no avail. I currently only have {$5000.00} worth of debt and CarHop is claiming {$4000.00} of it which has lowered my credit score into the 400s preventing me from a loan of any sort. I lost employment due to the non-functionality of the vehicle and was told by the manager of CarHop that she always drives with the check engine light on, when I called within my warranty to have vehicle repaired. When I went to get tags and registration for vehicle, I was told that there was a lien on the vehicle due to the previous owner running toll booths. CarHop still refused to take the vehicle back.
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02910	Web
On XX/XX/XXXX I called carhop to settle my Loan on a closed account, I settled and paid the company XXXX dollars. I was told this would take time to show on my credit report and Id receive a release lean in 4 weeks, I originally called carhop XXXX to report there was incorrect information reported on my credit report which stated I still owed XXXX and that my last payment was XX/XX/XXXX and was still in repossession I spoke to a XXXX who said Id have to send documentation a copy of my license etc to corporate to show proof this was incorrectly reported also stated it was the credit companys fault when that is FALSE. I settled with this company so I didnt have to deal with them but its becoming hard for anyone to help me with this when nobody can give me a straight answer. I settled with the company I dont know why I have to go through this.
03/11/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NV 89142	Web	Servicemember
UNIVERSAL ACCEPTANCE CORPORATION/ CARHOP YOUR COMPLAINT This account Is Passed the California Statute of limitations for debt collections. This auto loan is owned by Universal Acceptance Corporation. This account went into collections from XXXX XXXX XXXX The last update was XX/XX/XXXX. I disputed this account with XXXX for this exact reason and it was originally removed from my report. This has been put back onto my report illegally. I have never had any form of contact from Universal acceptance corp/carhop since XX/XX/XXXX. As of today, XX/XX/XXXX, this account is 2 years passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California, this account is at 6 years ). This is an FCRA violation and needs to be removed from all credit reports.
10/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	UT 841XX	Web
I have been under CarHop Finance for my car XXXX XXXX XXXX and the car computer has broken and left me and my wife stranded for three days in the city at a gas station with no money no ways to fix it the computer broke on the car and then they would not fix the car I was left no other option but jump on a bus and take my family home I have not seen my car or anything or heard anything about it they're charging me for this car but I do not have this car they are unwilling to fix the problem of the they car sold they sold me the car I would like to be forgive him for this loan and I want to sue for the problems and issues of CarHop CarHop not help me fix my life but made it worse my family is struggling everyday to keep finances straight with the world and covid-19 taking in the fact I have not been able to recover.
04/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98499	Web
On or about XX/XX/XXXX, I XXXX XXXX notified Car Hop of Tacoma by phone regarding a job and playdate change.That my payment on XX/XX/XXXX was ok to take but after that my pay dates needed to change to the XXXX and XXXX. I was told by Car Hop I would need to pay XXXX by ACH on XX/XX/XXXX and that I would have to agree to void ACH authority for payments after this for a period of two payments and agree to pay a XXXX fee for payment by phone for two payments or XXXX. I agreed, and paid XXXX in XXXXwo payments of XXXX and XXXX on XX/XX/XXXX as agreed by phone. Then on XX/XX/XXXX my old payment date Car Hop stole XXXX from my XXXX XXXX account that was not authorized. This is the 2nd time Car Hop has taken an unauthorized payment in less than 1 yr and last time refused to return my money and only offered a credit.
03/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 794XX	Web
During the loan period on a vehicle I purchased from XXXX of XXXX XXXX, XXXX ; I was making scheduled payments on time with auto-pay through a debit card recommended by Social Security Administration. At one point in the payment period of the loan the finance company ( Universal Acceptance Corporation of XXXX XXXX ) attempted to withdraw two payments for the same month without success. They called about every other day demanding I pay the extra payment. When I refused to do that they repossessed the vehicle and charged me X amount of dollars in penalties and unpaid loan amount after the vehicle was sold by them and when that was not paid, reported the account to the credit bureaus with erroneous/incorrect payment history information which had an even more negative influence on my credit rating.
06/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CO 80241	Web
XX/XX/2023 my car was repossessed I have not hear from my car company in over a month. I didnt receive a phone car or email that my car would be repossessed. When I called to make arrangements to pay past due balance they refused to allow to pay the past due and work out the repo fee separate said it would be better if I parted ways and they werent willing to help and I would have reapply if I pay the full amount owe without any adjustments or help. Which would Also include the extra {$400.00} owed they are asking and for me to pay at the towing place which are separate fees. I was out of work 3 months and now that I dont have a car I will most like lose my job I have now because they arent will to help me and all me to pay what owe to get my car back, minus the repo fee.
07/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94590	Web
XX/XX/XXXX date of loan, amount was {$8300.00}, XXXX XXXX, CA location sold a vehicle to me that was rusted underneath, I reported to them multiple problems such as passenger door opening up while car in motion. XXXX repossessed the vehicle from my residence, and when I spoke to XXXX my account manager, he explained there was " nothing more for me to worry about, '' but on my credit report it states, " legally paid in full for less than the full balance ''! This is causing my current credit report to have a " potentially negative '' mark on it. I need them to remove this so I can apply and retain a apartment. I am presently living in my car. I suffered a small XXXX in XX/XX/XXXX and I need to be able to use my name to get the apartment.
12/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98499	Web
CarHop of XXXX took XXXX payments on XXXX billing cycle XXXX and XXXX and refused to return the overpayment of XXXX in a reasonable manner stating the overage could only be returned by check in several weeks but payment was taken by ach. XXXX the first representative said she would do a reversal ASAP and the manager refused to do so even after proof of overpayment was submitted. As a former loan agent of XXXX XXXX XXXX I have in the past done an ach reversal or wire when a customer was due funds. Both can be done same day if submitted by XXXX XXXX Each businesses day or set for the next business day.Also as a separate subject now that the company has broken contract the interest exceeds State Maximum under the usery law.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 94533	Web
In 2014 I went to Carhop to get a car, i put down {$500.00} and i was supposed to pay {$320.00} a month, the car was in an accident which lead the person who caused it insurance company paying out {$3500.00} so i had to pay a little under {$800.00}. I called the UAC company the lady told me that if i paid off the balance then she would make sure it would be taken off my credit report. I have tried disputing this since and no luck they wont take it off even after they didn't hold up their end of the deal. I paid what was owed and i feel it should be taken off my report, I have been disputing this same company since 2014 and i am pretty fed up so this lead me to write this letter. I hope i can get some type of relief now.
09/22/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55343	Web	Servicemember
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, XXXX and XXXX from Universal Acceptance Corporation Debt Collection Representatives for a fraudulent Car Hop auto loan account thats not my account, is a fraudulent account and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of XXXX and XXXX threats from Universal Acceptance Corporation Debt Collection Representatives. I am in fear of my life. Universal Acceptance Corporation is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95330	Web
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 180XX	Web
I have a loan with UAC/CARHOP with account number : XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web
Account Information : Creditor : CARHOP FINANACE, UNIVERSAL ACCEPTANCE CORPORATION ( CO ) Date of First DelinquencyXXXX Amount : {$7600.00} I am aware that under Section 1681e of the ( FCRA ), every consumer reporting agency is. obligated to maintain reasonable procedures designed to avoid violations of Section 1681c. And to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Reasons for Dispute : The reported collection account is closed, and I believe it should be updated to reflect its closed status accurately. I request verification and validation of the debt, as allowed under the ( FCRA ), including details on the original creditor and the amount owed
11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74115	Web
Carhop sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XXXX 2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.
02/04/2017	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	RI 02893	Web
LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up
09/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AZ 85201	Web
Hi, I recently got into a XXXX XXXX XXXX which has a lot of issues with performance. I looked at XXXX XXXX XXXX and saw my vehicle is only valued at roughly {$600.00}, my total car loan for my vehicle is {$10000.00}. I have a APR of 23.90 %, with a fiance charge of {$2100.00}, the vehicle is breaking down at an alarming rate which exceeds what I can pay for maintenance. I've contacted the dealership explaining the issues the car was having and asked if they offered a loaner vehicle while I tried to get the vehicle fixed under my warranty with them. I was then informed by them, that they dont offer any loaner vehicles, which I would need to be able to commute to work.
09/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NE 68516	Web	Servicemember
On XX/XX/XXXX, I financed a vehicle through XXXX XXXX, XXXX. I have not had the vehicle more than 30 days and it needs a power train control module which is not covered under the 18,000 mile, 18 month warranty. I feel I was taken advantage of by a predatory lender. The car dealer knew I have children that have to get to school and getting my spouse and I to and from work and that our other vehicle has been in the shop for almost a month. I do not want to pay for a vehicle that is essentially a brick. The loan total is around {$9800.00} I believe for a XXXX XXXXXXXX XXXX with about 173,000 miles. I would like to resolve this issue without any litigation if possible.
05/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95824	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CARHOP XXXX has violated several of my rights. 15.U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15.U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55412	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( UAC/Carhop ) Has violated several of my rights. 15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95608	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80013	Web
I purchased a XXXX XXXX XXXX XXXX from Carhop in XXXX, WI in XX/XX/XXXX. About a week after purchase, the A/C stopped working and the transmission began to slip. I contacted Carhop to try to fix the issues and they said they would not fix the car at no cost, the repairs were more than I could afford. I received a letter from an attorney about a lawsuit he was filing against Carhop and advised me to voluntarily surrender the car. I turned the car in but decided not to be involved with the lawsuit due to family issues at the time. Carhop removed the account from my credit, then 6 months later sold the debt to Universal Acceptance.
08/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 94590	Web
traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.
01/24/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CO 809XX	Web	Servicemember
In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score.
12/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98043	Web
XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO XXXXX	Web
i have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!
06/15/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 55330	Web
Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.
01/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 564XX	Web
Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on my credit report.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55420	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.
08/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94559	Web
I have a loan with UAC/CARHOP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both all 3-bureaus and UAC/CARHOP with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late
01/30/2020	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	FL 32209	Web
I am having an issue with car hop/ universal aceptance. I have called the number but no one can find my accounts. My account that they say i havent paid keeps getting sold. Why are they still reporting on my credit after 7 and 9 year??? These items were open in XX/XX/XXXX and XX/XX/XXXX. Per regulations i seen with fair credit it should be off. Even though the company has sold the account these are old accounts!
07/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94585	Web
On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX. On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail. XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.
03/16/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MN 55106	Web
Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.
08/19/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84123	Web
UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me
10/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 990XX	Web
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91977	Web
I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I have a loan with UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
11/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30344	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
10/23/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97006	Web
I have tried communicating this to UAC, and XXXX for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.
06/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75077	Web
After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.
10/17/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 945XX	Web
I brought a car from from car hop the check engine light on and the car was recalled unable to get tags recall d fixed without me paying for it a short in the headlights and panel causing a fire advised car hop this was a lot will like to return car threaten to ruin my credit even if I volunteerly return the car this car can't even get CA dmv tags
06/27/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	HI 96707	Web
Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,
05/31/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 554XX	Web
I paid UAC the settlement amount of {$1800.00} back in XX/XX/XXXX, but I never received any correspondence or my release of lien from UAC. I have not received any form of communication from UAC. I want my debt settled and I want to receive my release of lien document so I can get a clean title to my XX/XX/XXXX Mercury Mountaineer.
06/12/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IA 52501	Web
universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them
06/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KS 667XX	Web
UAC/Carhop harasses people everyday even after they talk to them. They also sell cars that have problems from the get go and wo n't fix. I am only 18 days behide and get calls or emails everyday even though I have spoke to them. I explained the reason for it and they come up with every excuse in the book.
11/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 809XX	Web
On Monday, XX/XX/XXXX I reached out to XXXX hop finance about my past due balance for XXXX dollars and asked if they were going to be taking the vehicle. I was told that the account has to be at least 30 days past due. The account is not 30 days past you, but they came and repossessed my vehicle today.
02/14/2018	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	CO 80013	Web	Servicemember
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 95123	Web
the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect
03/18/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95205	Web
I just went to the court house of XXXX XXXX and went to the record department to find XXXX pages of complaints and false judgements tell autovest next time they attempt to lie and say they served me and lie about several things to make sure the contract has an account number this is fraud
06/01/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KS 668XX	Web
Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or any mail to let me know this. The person I spoke to just gave excuses.
07/25/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55412	Web
THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80013	Web
I have filed police reports and submitted everything that was requested of me both to the company and the credit bureau and its still remaining on my credit report. I did not have this account I wasnt even in that state when the loan was initiated.
06/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 55343	Web	Servicemember
Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84088	Web
Purchased a vehicle from carhop. The vehicle never ran broke down the day I purchased I have been paying they keep telling me Im late for on the vehicle, but I have been paying now they seem to not be answering the phone and will not help me
06/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OK 740XX	Web
I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?
04/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 554XX	Web	Servicemember
I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.
07/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94601	Web
My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. XXXX one of there Reps sends me Repo letters when my payment is late one day.
06/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
Universal AcceptanceXXXXCar XXXX XXXX XXXX XXXX MN the account was closed on XXXX XXXX its XXXX old it should have been dropped off my report, I paid it off in XXXX it should have been off my report.
04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55443	Web
On XX/XX/XXXX I seen on my XXXX XXXX that I have these 3 hard inquiries that I dont know about and one of them was car hop in XXXX. It shows no amount just that it affected my credit report.
02/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IA 52501	Web
I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't
03/07/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MN 55434	Web
Sending me notifications via an intimidating law office. I am being threatened with wage and bank account garnishments. I have no knowlege of who these debtors are.
08/25/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MN 553XX	Web
i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 152XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
04/18/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	CA 95204	Web
My family member paid my car payment twice and the company keeps stealing the money every time the payment is made and harassing me after it gets paid
01/26/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95823	Web
There was an amount of {$4700.00} of Auto Debt From CarHop Finance That I Didnt Authorize Also I Never Had A Vehicle I Dont Even Own A License Or ID
12/17/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 92114	Web
Amount of loan XXXX XXXX they said I owe XXXX I never applied the got the wrong social security number but it's under my id
09/18/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98030	Web
Do not give me a chance to make agreement to pay off my loan took matters into my own hands repossess
08/12/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	WA 98208	Web
They call me and tell me when I have no money for a payment to borrow money from friends or churches.
08/04/2017	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 94589	Web	Servicemember
Universal has my account listed as closed instead of paid. It is impacting credit score
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54902	Web
Carhop hard inquiry I do not recognized on XX/XX/XXXX, removal date XX/XX/XXXX.
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63121	Web	Servicemember
Adverse account reporting incorrectly on credit report.
01/19/2024	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	CA 92116	Web	Older American

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94806	Phone

11/16/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 95823	Web

08/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91921	Phone

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98037	Phone

06/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 80012	Web

04/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MT 59901	Web	Servicemember

03/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CO 80527	Phone

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95747	Web

03/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92116	Web

12/21/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WA 98133	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94122	Web

11/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95823	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85306	Web

10/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MN 55112	Web

09/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	WA 98370	Web

09/12/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 95825	Web

08/10/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with a trade-in	CO 80634	Phone

07/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IA 50220	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98133	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98133	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98133	Web

05/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98109	Web	Servicemember

05/16/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CO 80634	Phone

02/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WA 98133	Web

02/07/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	KS 66751	Phone

12/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MN 55408	Phone

11/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92113	Web

09/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

09/13/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55448	Web

08/31/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94577	Web

08/22/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	MN 55318	Web

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 90027	Web

07/07/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CO 81001	Phone	Servicemember

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94596	Web

06/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77079	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55344	Web

04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 81005	Web

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55077	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98662	Web

08/18/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 92160	Web

06/11/2020	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	WA 98204	Phone	Older American

12/09/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 80014	Web

11/09/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55104	Web

10/09/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92571	Web

09/18/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CO 80524	Phone

09/16/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	WA 98204	Phone	Older American

08/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Phone

07/09/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MN 55104	Web

02/11/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NE 68117	Web

02/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 99208	Phone

12/22/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 64132	Web

10/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WA 98418	Referral

09/25/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CO 80018	Referral

09/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85213	Web

08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80017	Web

08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48219	Web	Servicemember

08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15235	Web

07/03/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 15219	Web

05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75042	Web

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

02/25/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KS 66612	Web

02/15/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 94954	Web

01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95206	Web

12/06/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	CO 80012	Web

10/09/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MN 55449	Web

10/07/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CO 80205	Web	Servicemember

05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55429	Postal mail

05/24/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 92867	Phone

03/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60609	Referral

03/04/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98012	Web

02/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 72450	Phone

12/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60056	Web

12/02/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60056	Web

11/11/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KS 66758	Web

09/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92056	Fax

09/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80017	Web

09/07/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MN 55019	Web	Servicemember

08/17/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95820	Phone

08/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 61101	Postal mail

08/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 61101	Postal mail

06/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60652	Phone

06/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 72450	Phone

06/09/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AR 72450	Phone

05/30/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	WA 98203	Web

05/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IA 50125	Phone

04/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 80817	Web

03/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MN 55079	Referral

10/18/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60617	Web

08/21/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	IA 50125	Phone

08/12/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 94530	Web

07/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 72204	Web

07/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 62226	Web

04/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80010	Web

02/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 99205	Web

02/04/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94555	Web

02/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98104	Web

02/03/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CA 94605	Web

12/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 15212	Web

12/19/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 94066	Phone

12/18/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OK 74055	Web

11/20/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MN 55404	Web

11/18/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	WI 53511	Web

11/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37938	Web	Servicemember

11/16/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WI 53511	Web

11/14/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MN 55378	Web