Consumer complaint received 2020-08-07
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
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

Company response to consumer: Closed with explanation