Report: #776404

Complaint Review: UAC Universal Acceptance Corporation

  • Submitted: Tue, September 13, 2011
  • Updated: Mon, January 07, 2013
  • Reported By: tony — State Center Iowa United States of America
  • UAC Universal Acceptance Corporation
    2527 Se 14th Street
    Des Moines, Iowa
    United States of America

Show customers why they should trust your business over your competitors...

I recently bought a 2000 Ford Expedition from Carhop/UAC June fo 2011. I understand that the company exists to help consumers with little to no credit, to those with poor credit. I however, believe they are out there to prey on these consumers as well. I bought this vehicle to rebuild my credit and to have a reliable vehicle to transport my family.

In less than a month, I had serious mechanical problems with my purchase. I lost all brakes, no not just some, all of my braking system and the abs light came on. I called the service department to let them know I was sitting on the side of the road with no stopping power at all. The customer service representive put me on hold for a long time and told me to call back in about an hour. I attempted to call back but found, that it being a friday, they closed the phone lines right about the time I was told to call back! I was not happy. I had to towed to my house and called them back on a Monday. I was then told it was not covered under warranty. I ate the cost and replaced the master cylinder and all the brake pads and rotors (all were shot).

About a week after that, I had a blow out with my driver rear tire. I changed the rear tire with the spare tire that came with the SUV. I come to find out, a mile down the road, that the spare tire does not properly fit the vehicle! I found this out as my vehicle came down hard on the back rear and the spare went rolling past me!! I and my family were very lucky I was slowing to a stop as it decided to seperate. I found out later that the spare tire was used or not designed for the vehicle and had to replace the rotor, the lug nut studs, and lug nuts that had got sheared off or crushed. I have extensive rear body damage because of this as well. I again called them, to no avail, it was not under warranty. I took the vehicle to a professional to have all the tires looked at, and ate the cost on four new tires, a spare tire, spare tire rims, lug nuts, lug nut studs, and an alignment.

What next?! I think I have spent every week since then fixing something that the mechanics (do they have any such thing) should have caught before selling this to anybody! It has scarred my wife so badly she's afraid she'll die in this vehicle. I highly recommend considering not doing business with CarHop or UAC, customer service is not there to serve the customer, but only serve themselves. Each and every time I call it is nothing but rudeness.

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This report was posted on Ripoff Report on 09/13/2011 03:50 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Author of original report

Customer Service? Laughable!

AUTHOR: tonyj83 - (USA)

Hello Carhop/UAC. Here is my rebuttal.  The standard verbage you give at the end of all these reports is/are getting old! The people you have working for you are rude (and I'm using the nice word), instead of looking for a solution they would rather accuse and add to the stressful event (I mean it's not everyday a car breaks down on you in catastrophic ways...right?). C'mon, you know me already quit acting like your company has had no idea that these things are going know me really well, the Iowa Attorney General has contacted you on my behalf.

For all those keeping up with my story (consumers). I have an update. My Expedition did have internal engine problems and while driving it home from the mechanic (because UAC stated a internal knocking noise is no reason to repair the engine) it threw the rod out the bottom of the engine. My car spent the next few weeks in limbo at a shop as CarHop/UAC decided what to do about replacing the engine.  The engine that was brought to the shop was more than likely pulled from a junkyard. My mechanic had to overhaul it as best as he could with what little Carhop/UAC would provide.

I was very patient with the mechanic, for it was not his fault that this piece of junk engine was shipped to his shop for replacement. Replacing the old busted with my newer (to me) engine took longer than expected, and within a month and a half I was told to come get it. 

I went to pick up my car and noticed something very wrong when I was heading home, I thought maybe the engine had a "breaking in" period of some sort.  I almost got home and that is when the transmission went out!  I called the mechanic back and told him who I was and he immediately asked, "Not going anywhere are you?" I told him yes and how did he know? He informed me that he told CarHop/UAC that the transmission is bad and in need of replacement. He also stated that CarHop/UAC told him not to fix anymore unless the customer complains and not to say anything about it. 

So I had my vehicle towed yet again to the "approved" car shop to have my less than desirable junkyard transmission installed.  It would be yet another month until I got to drive my car. I now cringe going up any incline, or taxing my transmission in any way. I don't trust anything Carhop/UAC does anymore at this point!
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#2 UPDATE Employee

We would like to help resolve your concerns

AUTHOR: CarHop - (United States of America)

We would like to help.  We take customer service very seriously and are interested to learn more about your situation.  You can reach us at or toll free at 1-888-826-4227 for direct assistance. 
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#3 Author of original report

October 19, 2011

AUTHOR: tonyj83 - (United States of America)

I have an update for my vehicle that has been giving me problems since I bought it. My vehicle, which I bought (June 2011) from CarHop in Des Moines, Iowa now has severe internal engine problems. UAC's warrany covers, under warranty, the internal of the engine and transmission. My vehicle is still under UAC's warranty.  Last week (12th of October 2011) I noticed that the a slight clicking sound had been coming from the engine area, I checked all fluids. All fluids were and are at manufacturer's capacities. The click soon was getting louder and soon turned into a very loud and pronounced clanking noise from inside the engine and would increase as engine rpm's increased. I called the warranty department to ask where I could take my vehicle. I finally was allowed to take the vehicle to the approved shop (13th of October 2011). I did not hear anything from UAC for a full week after dropping my vehicle off. Living in a small community has it's advantages, and by the time I called them (UAC) I was well informed by the mechanic about what was going on.  The mechanic informed me that he fears that the piston sleeves are cracked and that he would not drive it, he told me that UAC's service manager refused to acknowledge the fact that it is dangerous to drive. I called UAC to ask what was going on and was told that they did not know (this is after I talked to the mechanic) and they would call me back, they never did (I found I had to call to find anything out). I called again, and I was told there is nothing wrong with my vehicle. That the clancking noise is not a reason to repair the engine; that when it decided to seize/blow up that they would then replace the whole engine. How safe is that?!! I would love for the service manager  of UAC to drive my vehicle around (or home as the customer service rep wanted me to do), I'll trade him and see how safe he feels about driving it. If any of my family members are hurt in this vehicle because UAC is saving the "bottom dollar" knowing that this and other vehicles are unsafe or mechanically deficient, look for a lawsuit. I am writing a letter to my State's Attorney General to notify him of the dangerous practices of UAC.
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