Ripoff Report Needs Your Help!
Report: #987739

Complaint Review: United Auto Credit Corp - Internet

  • Submitted:
  • Updated:
  • Reported By: Drew Brown — Plymouth North Carolina United States of America
  • Author Confirmed What's this?
  • Why?
  • United Auto Credit Corp Internet United States of America

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

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

I had a 2 year loan with them on my 2004 Chevy Avalanche and 15 months into (with no late payments and consistently paying a bit extra) I lost my job and fell behind...I tried to make a payment arrnagement to coincide with my unemployment payments and was treated as though I was the worse scum of the earth. I asked if I could make my regular monthly payment on the due date and then make an online payment each week when I received my check to catch up the 2 months I fell behind. I was informed that they NEVER accept a partial payment under any circumstances and I needed to pay the full amount at once or they would take the vehicle so why don't I go and get a payday loan. I should also mention that the reason I fell behind in the first place was because I had to put in a new altenator and brake pads...I told the James (the rep I was speaking with) that I would need to get in touch with my parents to see if they could help out but would need a few days as they were away and also live 1000 miles away from me. He said that would be fine and he would call me back the next day to see where I was at-he never did and I called and left a message for him that I would be able to pay the back amount but needed about a week for the check to clear and asked that I be called back to confirm, which was not done. 2 days later they came and took the truck. I have learned my lesson to ALWAYS do some research on a company prior to signing the papers as this ended up costing me my new job as well because I ended up with no way to get to work which was 60 miles away. I cannot believe that any company would do something such as this because a repo does them no more good than it does me. From what some of my peers have told me, they received better service from buy-here pay here lots than wth this company.

All I have to say is "buyer beware" this company is as bad, perhaps even worse, than the predatory mortgage lenders of several years ago,

This report was posted on Ripoff Report on 12/27/2012 02:17 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

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals


#4 Consumer Comment

Very Simple Cause and Effect!


POSTED: Saturday, December 29, 2012

If you don't like BILL COLLECTORS calling...then you pay your bills on time.  If you don't want your car to be repo'ed...then you pay your bills on time.  If you don't want BILL COLLECTORS to call those on your reference list...then you pay your bills on time.  If you don't have the money to pay those bills on time...then you go out and get a part time job to supplement your income so you can.  And no, YOU didn't "select" then as your lender.  You were PLACED with them because the banks don't want you as a customer because YOU gave YOURSELF a documented reputation for NOT paying your bills on time!  Sorry Einstein, all the problems you've encountered were NOT caused by others!  GROW UP.

Respond to this report!
What's this?

#3 Author of original report

United Auto Credit Practices

AUTHOR: Drew Brown - (United States of America)

POSTED: Friday, December 28, 2012

Yes, actually, an altenator and brake pads are rather more important than making the payment on time when this is your only means of transportation to and from work--without THAT there is no way to make your payments at all. What I find unethical is their lack of communication and willingness to work with I said, I had paid 75% of the loan already on time, with extra towards the priciple each month, so to me this shows a company that does not give a rats youknowwhat about their customers. So I need to grow up and am completely at fault because my company closed and my income was cut by half? This is a company that called and left messages and discussed my financial business with them with everyone who was on my reference list--all immediately after leaving a message for me--not even waiting an hour for me to return a call--if a doctors office or your daily bank did this, would that not be considered unethical and illegal? I honestly do understand their point of view as well and know they have heard everything but when someone who has had a stellar history with them calls and explains the situation AND offers up a solution to resolve the issue, as well as willing to provide physical proof of these claims, a good company would work with you. The fact that "James" said he would call back, that we should be able to work something out, etc. and did not follow up shows that they are encouraged to lie.

Respond to this report!
What's this?

#2 Consumer Comment

I found this on their website...


POSTED: Thursday, December 27, 2012
In early 1996, United Auto Credit was established as a primarily non-prime auto lender.

It would appear you had to deal with a deadbeat lender due to your previous credit history.

They do NOT believe all the excuses they've already heard hundreds of times and only want you to live up to the agreement YOU signed.

As long as you display this casual attitude about your payments, you will continue to have this happen.

The Ripoff here is YOU not living up to your SIGNED agreement.

"I should also mention that the reason I fell behind in the first place was because I had to put in a new altenator and brake pads..."

I guess the alternator and brake pads were more important than making your payments...I'd bet they were

really sympathetic when you told them the reason.

"I have learned my lesson to ALWAYS do some research on a company prior to signing the papers as this ended up costing me my new job as well because I ended up with no way to get to work which was 60 miles away."

What would you be looking for in your "research"...a lender who will let you set your own payment terms?Not going to find one of those..grow up.

Respond to this report!
What's this?

#1 Consumer Comment

They always blame the lender

AUTHOR: coast - (USA)

POSTED: Thursday, December 27, 2012

Repossession of a vehicle due to buyer default is not unethical.

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

Segment Now