Consumer complaint received 2019-05-26
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation