Consumer complaint received 2017-11-10
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
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.

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 non-monetary relief