DO NOT USE THIS LOAN COMPANY!!! They are the most ignorant disrespectful assholes I've ever had to deal with. My place of employment burnt down I called them immediatley, supplied all the info they needed. Now months later there is no notes in the computer all the time, you ask to speak to a manager and they say none are available. They way the employees cuss at you is horrible!! They even went as far as to call my parents neighbor who live 30 minutes from me and I barely know, I never gave them as a reference. When I asked them about it, the response was o we just go through the phone book and pick out names. Karma will get you!!!

I am married to someone who used to be married (20 yrs ago) to someone whose debt to United auto credit is now in collections. I don't know how they tracked me down since I have never met my husband's ex-wife who is the person they are looking for and we don't know where she is either. I am being contacted every 1-2 weeks for 6 months now after calling them back repeatedly to ask them to stop calling me because I don't know this woman and have never even met her. I have done some research and for those of you who wish to file a complaint here is some info you may find helpful:
To report an alleged violation of your rights and file a complaint against a debt collector, start by contacting your state’s attorney general. If your state has its own laws (in addition to federal debt collection laws) governing collection procedures, your attorney general’s office will know.
You can also contact the Federal Trade Commission (FTC) and file a complaint. The FTC does not resolve problems; it records complaints, and looks for patterns and trends about a particular business.
To file a complaint with the FTC about a debt collector’s practices, write to:

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

You can also file a complaint online in English, or En Español, or, call the FTC’s toll-free helpline at 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.
There is no federal license or registration required for collection agencies. However, in some states debt collectors must register or apply for a state license. Licensing requirements vary from state to state. Many states also require collection agencies to be bonded. In some states, such as California, there may have been prior requirements for licensing of collectors, resulting in state regulations being retained on the books of the state even after the regulatory agency has been disbanded. These regulations may provide additional details and support for legal arguments of what is considered proper. To learn more about the licensing and bonding requirements for collection agencies operating in your state, link to your state's collection law through Attachment A, www.privacyrights.org/fs/fs27plus.htm. If your state is not listed, contact your state's attorney general through the National Association of Attorneys General web site, www.naag.org.

You may also contact your state's consumer protection office through the federal government's Consumer Action web site, www.consumeraction.gov/state.shtml.

My wife got a 2006 Saturn Vue through United Auto credit. She payed on time every single month for two years. The vehicle was totalled in an accident, and as most know that have had accidents, insurance only pays the actual cash value of the vehicle(acv). Well I had a buyer worked out for the salvage title and I would have been able to pay the vehicle entirely off. United Auto Credit said it would take weeks to get a title. Well I have worked in the car sales industry for years and I have never heard of any dealer being willing to wait a few weeks for their title. I know a loan company will not give you a title until they get their white slip so they ask you to trust them but they don't want to trust you ha. They said they are just going to take the insurances money and do it either as a charge off or as a repo. If they do it as a repo I have every intention of suing United Auto Credit because she has never been 30 days behind on a payment, in fact she has always been on time.

I got a loan with United Auto Credit a couple of years ago. Since then this company has made my life HELL! They have harassed and embarrassed me on numerous occasions! They have demeaned me and my character. They have lied to me about an extension! They call before payment is due! They call everyone I have ever known and demand that they contact me and then tell them I don't pay my bills! They have demanded that my neighbors, that don't even know me, come knock on my door! They tell them that I am not paying my payments and that they need to come knock on my door! They have sent people to take photos of my car! I called to tell them I was going to be about three days late and they told me to just bring my car back right now and they don't want to do business with me! They have cursed at me! Yelled at me! Threatened me! Been Rude! Unrelenting! Passionateness! Just straight FREAKS!

I heard they are not doing loans any more!!! YAY But that they are still doing collections on the already open loans. Is this true? These people deserve to be burned. Can some one tell me if there is any way to get out of paying them without a repo??? These people have been well compensated for the harassment that they have put me through!!! Please let me know? Mandy [email protected]

I bought a car in May 2007 and was financed by United Auto Credit. This is the first car I ever bought that was financed. If I knew then what I know now, I would have bought a used car and been done with it. For the first year I paid all my car payment on time or before the due date. Even though I was always on time, they called a week before the payment was due to "make sure" I was going to pay on time. I understood the first few months because it was a new loan but eventually I personally went in and told the office manager that I did not want any phone calls from them unless I was late. Everything was ok at first. In April of 2008 I was late the first time and started getting a taste of really how nasty they are. Anytime that I have been late with this company, they have not only called my references but anybody that I have ever been in contact with. They even had someone call me and pretend it was someone that had met me at the mall and he asked me on a date. Said we met a while ago and he had misplaced my phone number and just found it. Said if I would meet him I would remember him. I didn't fall for that. They called a friend of mine, her grandmother, her grandfathers cell phone, her mother (which I have never met), an ex boyfriend of mine, my ex employer, my mother, my brother, my stepfather, my sister (none of which were listed as a reference). They have told all of these people that I am behind on my car payment and that I have them listed as a reference which was a lie. They continue to harass my friends and family members calling each multiple times a day. I have made payment arrangements with this company only to find that they lie and had scheduled to repo the car on the day the payment was supposed to be made and were attempting to pick it up (even though arrangement had been made).I also received and email that states "even if I make a payment, am I prepared to look over my shoulder every time I am late." This is the worst company I have ever heard of and I have contacted an attorney about the continued harassment and the giving out of my personal information. Anyone who is interested in being a part of this law suit having similar experience please contact me at [email protected]. I would love to make sure this horrible company gets shut down before it gets too many more victims.