This company is THE most terribl company I have ever had to deal with. Everyone that works there is rude an uncampassionate. I am now mailing my final payment on my vehicle and I could never be more happy. My husband and I were going through rough tmes(bankruptcy) when we needed a vehicle and UACC was the only one who would finance us at the time, we had never heard of this company before and never in our wildess dreams would have imagined this company to be so herrific. Before our First payment was ever due they called us TWO weeks before to be sure we were going to pay ontime. And from then on we recieved calls bright and early the day of the payment to be sure we were going to pay our monthly payment...even to this very last payment...HELLO, we have had our car loan through them for three years and for three years we paid on the due date, you would think they would get it by now. Besides the consant harrassement, they are liars!!! They all cover for each other and continuously lie. One person on the phone and I had a disagreement and she started to yell at me, now I am not a saint, however I do not raise my voice to people. I yelled back because I was stunned at the treatment I was getting from this lady, the arguement continued and she proceeded to use foul language and I simply told her I would not continue taking to her if she was going to talk to me like this. She HUNG up on me, WHAT? So I called back and asked to talk to a manager, they told me they have no manangeers, WHAT?????? Doesnt every company have a manager. Anyway I could go on and on and on and on and on about the bad experiences I have had with this company, but this would become a book...SO for everyone wanting to use UACC---------PLEASE STAY AWAY FROM THIS COMPANY, THEY ARE A TERRIBLE, TERRIBLE COMPANY TO USE .

United Auto Credit Dearborn is the worst auto financier that I have ever had the displeasure in dealing with.

The tactics used by this company are beyond unreasonable... be it with the constant phone calls for collection, even after payment has been made mind you... to their appearing at the residence without authorization from the person paying the debt for the vehicle.

My story is not all that different from other posters here, but being in Michigan (A state that leads the country in unemployment as of this writing) UACC has gone so far as to skirting the law with their practices.

It has been my understanding that if a payment is late, UACC will call and demand payment... and for the most part that is true, however... the not only call you, they will call others and state that they want you to contact them... but what happens when the person that they are trying to contact does not have a phone?

Well they will call the deactivated number, ignore the alternate number that was given by the holder... and send no notice that the vehicle is in any jeopardy of being repossessed.

Then, they will have the car repossessed on a Sunday, when there isn't anyone in their offices so that a protest can be called in... or if there is a misunderstanding or lag between a payment that had been sent already can be noted and the repo be called off.

This company practices in trespassing, and possible illegal repossession tactics.

Do NOT deal with any auto dealer that will knowingly deal with this company.

I have had my car for 2 years now. I have never missed a payment, never been late on a payment until this month. I use the online bill pay through my bank. For some reason I guess with the holidays it was going to take and extra day to get the UACC, So I called them and let them know... No issues there.

The day my bill was due I got a call at 11am from UACC, I explained that I already called and said that it would eb there tomorrow and the online thing and all of that... no problem.

20 min later my boss walks up to me and says that he just got a call from my car company threatening to come repo my car... I called them back and they said it was a standard call when people dont answer there calls... but as stated earlier I had talked to someone. I explained this adn the ladies response was "Oh well, no harm done" Of coarse I was a little off set by her comment so I raised my voice and told her that they called MY BOSS and told him pretty much that I am a dead beat who dosent pay his car... she hung up on me.

3pm I get a call from a guy from UACC, he was a cool guy laid back, he asked about my payment... I went over the whole thing with him. I was calm and straight to the point and he was really nice about it. He apologized for any inconvienence and said that he would note the account to look for it tomorrow when the mail man gets there. (The check goes to a PO box... I didnt think about it at the time)

430pm I get another call from the origional lady who was rude to me about my boss... demanding I go to western union and wire them money... I hung up on her. She called me back and said she was sending out a tow truck... I hung up... a guy called me back yelling about how I was yelling ubsenities to the lady from before and how I was a horrible person... I hung up

945am the next day... same lady same attitude... demanding, tow truck bla bla bla... I hung up

11am new guy. started talkin to me like we were buddies adn how he knows how financial problems hit everyone, and it isnt my fault, and when can I pay... I explain how it should be there today, in the mail, when the mail man drops off... he gets a little agressive with his voice and tells me not to lie to him. I told him to go @#$! himself and hang up...

No more calls, no tow truck... I guess the mail got there...

These people are rude, they lie, and they attempt to make you feel like a horrible person... dont use them... ever.

United auto credit corporation continues to call my job on the day my payment is due which happens to be a payday. Regardless of how many times i have told them not to call there. and they tell me they are aware of it being against the law. but they do it anyway. They even came to my apartment while i wasn't there and put a letter up under my door. I am not the type of person who takes the law into my own hands. f4 and i really don't want any problems. what can i do about this. Before i have to contact the attorney general.

Please advise.

I have a car loan through United Auto Credit and if you are a day late they harass you til they get a payment, they call everyday they even called people that I didn't give permission for them to call they come by your job they even came to my house, they don't realize it but that is really harassment. When they would call I would try to tell them when I would be in with a payment but they didn't want to hear it they got an attitude and told me it had to be in right then. They don't understand that things come up. I remember one time a had worked a double shift (2nd and 3rd) they called me that morning when I had gotten off and she basically told me that I had to drive all the way up there to make my payment it would have been about twenty-five miles on the highway with no sleep, that meant I was putting my life in danger. If I had of known they were like this I would have never gotten the car!