ComplaintsforUnifour Financial Services

• Initial Complaint

  11/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  There was a misunderstanding on my part that resulted in my car being repossessed. Joy (financial manager) advised that if I came to pick up the vehicle that same day, I could get the car back. Upon arriving, *** would not come out to speak to me. She sent her assistant out to tell me she was not letting me get my car back unless I paid the full amount due on the car instead of the missed payments which would be $16000.00. She provided no other options for me to negotiate to get my car back and was aggressive and unprofessional even after I was deeply apologetic and ready to pay my passed due amount, fees and towing. She would not allow me the opportunity to do so now I do not have transportation and no option to get it back. When I called the office to get the name of Joys boss in hopes of getting some help, her assistance refused to give me any information on anyone else I could speak to that could help me. I would like the opportunity to pay my past due amount to regain possession of my vehicle.

  Business response

  11/08/2024

  The consumer was behind in vehicle payments and was repossessed.  During the repossession, the consumer caused an altercation that potentially could have caused bodily harm to himself and the agent and/or damage to the vehicle and the tow truck.  The consumer was told by the **************** Manager to get out of the car, and they would have a conversation.  He was never told continued financing was an option, which took place on a recorded line.

  When the consumer came into the office, the **************** Manager was on her lunch break and not available, which is why she could not come up to talk to him right away.  The **************** Manager, the **************** Assistant Manager, and the Compliance Officer were all present when the consumer was told we were no longer offering him financing.  There was no aggressiveness or unprofessionalism in the conversation, which is recorded.  The General Manager came into the room and reiterated the exact conversation.  The overall decision for the consumer to be payoff only came from the ****************** Team.

  The consumers option is to pay the account off in full to redeem his vehicle.     

• Initial Complaint

  09/24/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Bought a car from local lot about a year ago. I had no idea they use a "finance" company that the lot itself owns. Lots of bad reviews. Anyway, going to see if I can refi and get out. I had a large bill and need to pay two payments at once. The lot/finance company finds out your pay schedule and schedules your car payments around that. They are incredibly inflexible on changing the payment schedule or dates. For instance if you want to change from bi-weekly to monthly. Discussed this before with them and they state "it's a contract." EVERY loan is a contract. Most actual lenders allow for change of dates and schedule. Simply want to combine two payments because of large unexpected bill we have. One payment would be 13 days late and one would be 1 day early. They literally won't even try. Ridiculous.

  Business response

  09/30/2024

  We have already reached out to the customer and he stated he was satisfied.  

• Initial Complaint

  09/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Unifour Financial Services. I do not have a contract with Unifour Financial Services. They did not provide me with the original contract as requested.

  Business response

  09/09/2024

  We are unable to answer credit reporting questions or disputes on a public forum due to federal privacy laws.  However, we have submitted the consumer's contract and Letter of Disposition for review by the BBB.  

  Customer response

  09/14/2024

   
  I am rejecting this response because:  By law (code 41 U.S. Code 6503) the contract that Unifour Financial Services has brought forth is void due to them breaching the contract in multiple ways.  Firstly, the information pertaining to their voluntary surrender policy was never properly explained to me during the time of purchase. Secondly, I paid for gap insurance on the vehicle in question, but they did not honor the gap insurance policy when I was involved in an accident in the summer of 2023.  When the accident occured, it was well within the time frame that was agreed to in the contract.  Thirdly, I never received any proof that the vehicle was sold for the amount that they claimed it was.  Fourthly, I was forced to voluntarily surrender the vehicle, because my insurance company was just as criminal and dishonest as Unifour Financial Services are.  They did not honor my insurance policy when the accident occurred either.  The vehicle was hit in a parking lot and the perpetrator fled the scene.  I had to park the vehicle on the side on the road where it was broken into and taken to an impound by the *************** Department.  When I called to report my vehicle missing, the officer told me that it was not in their database, and that I should report it stolen.  I reported the vehicle stolen, and an investigation ensued.  Weeks later my vehicle was found at an impound in ******** with the windows broken and my personal possessions stolen.  I was told by another officer that the police had misinformed me about them not impounding my vehicle, and they had done just that.  By the time I had learned the whereabouts of my vehicle, the impound fees were too expensive for me to cover.  Of course the police took absolutely zero accountability for causing me to have such expensive fees.  My hope is to finally find justice with The Better Business Bureau.  I would also like to add that all of my payments were made on time prior to these events taking place.
  

  Business response

  09/17/2024

  Voluntary repossession is not explained at the time of purchase because the dealership does not handle voluntary repossessions, the finance company does.  He was told the account would report as a repossession on May 11, 2023, via text message. 

  GAP only covers a vehicle that is deemed a total loss.  We have no confirmation the vehicle was deemed a total loss by his insurance company. 
  

  A Letter of Disposition was emailed to the consumer on October 2, 2023. 
  

  As far as his payments are concerned, on July 14, 2023, the consumer stated he was not making anymore payments, advised us we had the vehicle, and he was done with this situation. Unifour did not breach the contract, the consumer did when he stopped making his payments.  Just because he is donewith the situation does not make him less responsible for the deficiency balance. 
  

  We have no control or influence over his personal insurance company or their policies and procedures.  Nor do we have any control or influence over the police department, the storage lot,or the fees incurred.  Any other issues the consumer has with the police, his insurance company, or storage will need to be taken up with those entities.  

  Customer response

  09/22/2024

   
  I am rejecting this response because: None of this cold and callous response negates the fact that they breached the contract by not honoring the ************* agreement.  GAP should have covered the vehicle because it was stolen and never returned, which is a "total loss".  They were absolutely made aware of everything.  As UFS has stated, I was never explained anything about voluntary repossession, therefore I did not agree to the terms of it.  UFS claims that I owe over $19,000, but if the vehicle wasn't a "total loss", why are they claiming to have sold it for so cheap.  Also, if it was only worth what they claim to have sold it for, why did they sell it to me for over $28,000.  Anyone can see they're being dishonest.  By the way, I still haven't received any proof that it was sold for price they're claiming it was sold for.  I was also not notified of anything via text.
  

• Initial Complaint

  06/13/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this Debt with unifour Financial Services , I do not have a contract with unifour financial services, they did not provide me with the original contract as requested

  Business response

  06/14/2024

  We have not received any communication from the customer since April 20th, 2020.  Also, if the customer means for this to be a credit dispute, the customer will need to contact us directly at ************.  We are unable to respond on a public platform due to federal privacy laws.  

• Initial Complaint

  05/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I owed a good bit still on this car but was rear ended the week before Eater, not my fault. Insurance sent them a check of ****** something and I had gap coverage as confirmed in the email. They were notified that following Monday of the wreck and that it was a total loss. The $210 payment may be on me bc it was a couple days late but once this happened they continued making me late even though the car was a total loss. They didnt use my GAP coverage either and nobody has responded back as to why it wasnt used. I should not owe them anything except maybe $210! This company is so crooked!!!!

  Business response

  05/16/2024

  We have reach out to the consumer and have reached a resolution. 

• Initial Complaint

  03/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I test drove my vehicle and put it on lay away January 27th 2024 . I paid on it in small payments and on February 22nd 2024 I went and paid the remaining balance of 1,420$ and the week after my car was in the shop for a whole week so I called unifour and ended up getting a agreement for march 15th 2024 of a payment and a half because my first payment was initially due March 8th but I hadnt even had the chance to really enjoy my car . Got my car back on March 7th that afternoon drove my car the 8th-10th of march to take my kids to the beach on march 11th which was a Monday morning my check engine light and check vsa light came on and guess what I had to take it back again and this time they gave me a loaner the first time they did not. So today march 15th at 4:01pm ****** from the recovery team sent a text about a reminder and at 4:02pm I was called to come pick my car up . I then was called again at 4:24 and the guy said I aint want you embarrassed they said dont release the car so I was telling unifour all that happened and that I would pay Monday the promised agreement they want to tell all about a contract right now idc about that the point is I need to make sure my car would be okay from Friday -Monday then I would pay by Monday march 18th 5:30pm well they had called E-Z way by then then they tried to say my payment is 7days past due after they gave me that time and nobody else would pay on anything they arent driving and I feel its very inconsiderate being I put *****$ down on it and I even asked them to give me something else and I would of had no problem paying but I feel I need some money back if none because ***** aint cheap and its so not fair to me Im a single mother of 2 kids I dont have money to waste and I told them I was going to call troubleshooters on them as well. They basically dont care if you on your dying bed if your payment due they want it out of a month Ive drove my car only two weeks!! This is terrible service !

  Business response

  03/22/2024

  Thank you for the statement. We agreed to repair the vehicle and provide transportation at no cost to the customer. We upheld the verbal agreement between ** and the customer and had the vehicle repaired and ready to be returned to the customer. The customer failed to uphold the installment agreement to make payments. As of todays date, March 22nd 2024, we have not received any payments on this vehicle, which was purchased on February 22nd of 2024. The first payment on the vehicle was due on March 8th 2024. We have called the customer to resolve this issue and try to collect the balance that is due but have been unable to reach them. We are still waiting on a response from the customer. 

  Customer response

  03/25/2024

  
  I am rejecting this response because: the first time my car was in the shop for brakes and rotors and sway bar or struts they did NOT give me a loaner car which was right after I got my car February 22nd is when I got my car the week after it was in the shop a whole week it was never the issue of the payment but the second time they held my car until about 4 when they sent me a reminder the dealership called and said it was ready when I responded to unifour they called the dealership and told them not to release my car unless I made the payment and I wasnt I did not car about the agreement because the agreement was made when I got my car out the shop on march the 7th and I had my car the 7th-10th on the 11th I had to drop it off again and then they gave me a loaner car . A white ***** with the tire light on but told me not to worry about it because there was no leak or nothing and I had to call to get updated on my car and if they did call its when I would mention another car and they have not contacted me they sent the letter above and thats it no calls since I came and brought the loaner and cleaned my stuff out and they said as in the letter not just the past due they want paid they want their expenses and idk what they paid and its a warranty and if they cant agree to let me catch up I dont want the car at all it was not my fault at all that I purchased a car with issues I tried to upload the letter it says its too big they just care about the money thats it I just wanted the weekend to be sure no lights came back on I technically wasnt behind I just asked to be pushed back due to my car being in the shop 
  

  Business response

  03/25/2024

  Unifour is the finance company and does not deal with mechanical issues.  All mechanical issues are between the customer and the dealership.  

  The dealership is not obligated to provide loaner vehicles.  The General Manager, from the dealership, called the customer last week, left her a message, and has not heard back from her since.  

   

• Initial Complaint

  02/09/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I purchased this car back in July 2023 if Im not mistaken. ************** sold me a car without brakes and bad rotors. They had my car at the shop for over a week with no work done. They said that done the work however I paid a real mechanic and was told otherwise. My abs and traction light was still on, oil was bad and nothing was fixed. I was still making my payments on time until I had to invest in a car that I barely had for a month. They called my job harassing me, everyone on my application etc. a month after that I needed wheel barring, a battery, and some other mechanical work. I was called to get my plate for the car but within a month after the car needed to be inspected and I had to pay taxes. Ive paid weekly and they say my payments are due they send emails and call harassing me for payments. At one point they said that they do a week grace ****** and all of a sudden they dont do it anymore. This company do not care about what you have going on they only care about their money. None of this is legal, car payments are paid monthly and they force you to pay weekly. Not to mention the auto lot and the lender work together to s**** people over. Its a conflict of interest for the car lot, lender, and their personal auto shop to know whats going on with my car and my business. Some of the representatives are rude with a nasty disposition. I would not recommend this company to anyone. They dont care about anything other than getting what they want. Not only that they give you one price for the car and come to find out you are being charged more. The APR rate is higher than any other company and the cars are basically lemons.

  Business response

  02/14/2024

  Here at Unifour, we value our customers and try to help the best we can.  Unifour is a finance company and does not handle mechanical issues.

  The customer signed a Retail Installment Sales Contract on July 21, 2023, agreeing to make weekly payments until the vehicle was paid in full.  There is no grace ****** under the terms of the contract.  However, we try to work out satisfactory payment arrangements with our customers as long as the payment arrangement is kept.  If a payment agreement is missed, it is null and void. 
  

  Once a payment is missed, we do reach out to the customer.  If the account reaches a certain number of days past due, we do reach out to the customer at work.  We have only tried to contact the customer one time at work.  When she told us not to contact her job, we immediately marked her job as do not contact. 
  

  The customer states Not only that they give you one price for the car and come to find out you are being charged more.  On page one of the Retail Installment Sales Contract, there is a **** Disclosure giving the terms of repayment, which allows a customer to see the total amount being paid over the term of the contract.  When the customer signed the contract, she acknowledged the **** Disclosure. 

  As far as her statement The APR rate is higher than any other company and the cars are basically lemons, the maximum ************** interest rate for this particular vehicle is 30% (************** General Statutes Chapter 25A).  The customer's interest rate is significantly lower than 30%.  Also, there is no lemon law on used vehicles under ************** law. 

• Initial Complaint

  01/24/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I purchased a vehicle in July from the company and have been making payments to have my payments changed to the following week . Ive made all my payments and have requested for payments to be switched so therefore I can avoid a late fee. The company refused to do it and contact me 3 to 4 times each day via email and also via phone. I have proof of managers agreeing to allow me to make the payments But still constantly contact me each day.

  Business response

  01/31/2024

  Our Account Manager reached out to the consumer. The consumer stated she was going to reach out to the Account Manager but as of today, we have not heard from the consumer.   

  Customer response

  02/01/2024

   
  I am rejecting this response because:
  
  

• Initial Complaint

  11/02/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have had a car loan with this company for over a year now. My pay schedule changed and then I got terminally ill. I fell on hard times and have got behind on 1 payment. I promised them to pay by the end of the month and they repossessed my car anyway. I was going to pay I just needed some time with all of my hard situations. They wouldn't listen or try to help me with an arrangement. Do not do business here.

  Business response

  11/02/2023

  This consumer has already left a BBB Review #****** regarding the exact same issue. This review has nothing to do with advertising.
  
  The consumer signed a Retail Installment Sales Contract agreeing to pay by the terms stated in the **** disclosure of the contract.  Once the contract is signed, it is a legal binding agreement. The consumer was not paying within the contract terms.  As she originally stated in her BBB Review and this complaint, she has been late a number of times.  We mailed her a strict compliance letter giving her 5 days to bring the account current. She failed to do so.  When a vehicle is repossessed, there are factors we use to determine if an account is eligible for reinstatement or if we deem the account to be payoff only.  Those factors include but are not limited to:action of the consumer or a 3rd party during the repossession and/or reinstatement process, the number of times the vehicle has been out for repossession, if the payments have been paid and current since the previous repossession or if payment arrangements have been kept, etc. Again, we follow ************** General Statutes Chapter 25A when it comes to our contracts.  

  Customer response

  11/02/2023

   
  I am rejecting this response because: I advised the business anytime that I was going to be late and kept my end of the promise to pay. It's sad that a person becomes sick, their pay schedule changes, and they're a single parent who STILL makes their payment and makes every effort humanly possible, yet they still get the only vehicle they have repossessed so now I can't get to work or any doctor ************* NO effort at all was put in by this company to help with arrangements. Everyone has excuses but some people are being legitimate. 
  
  

  Business response

  11/03/2023

  The customer came into the office today and we have worked out arrangements with the consumer.  

• Initial Complaint

  10/24/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I have had my loan with this business since February. I have made every payment with only 2 late payments. I asked to work out a payment plan and they wont even give me till *********** day which is 11/2 My other late payments were due to leaving a domestic situation. And this payment is late due to my son having surgery and in the same week I had covid. I am a single mom with 3 kids and have hit hard times. If I lose my car I lose my ability to get to work and provide for my children. I just would like a reasonable payment arrangement. I understand there was a contract however my Situation has drastically changed. Im still wanting to fulfill the contract Im only asking a little leeway to make fulfilling the contract doable.

  Business response

  10/26/2023

  We have reached out the consumer and have come to a mutual agreement. 

  Customer response

  10/26/2023

   
  Better Business Bureau:
  
  They contacted me quickly to resolve the issue. I was very happy with the payment arrangement they apologized for what had happened. They were very nice and accommodating and I am absolutely satisfied with the outcome. 
  
  Thank you. 
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩