ComplaintsforUnifour Financial Services

• Initial Complaint

  11/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In October of 2022, I voluntarily surrendered my 2007 Lexus RX 350 to Unifour Financial. I did this due to the fact that it was in the shop more than it was in my driveway. I also did this because in august of 22, it left me stranded on the side of the road after randomly cutting off and not moving. In October of 22, it did it again, this time on the side of the interstate. I couldnt get it out of the road, and was almost hit multiple times. They have now sent me a letter saying Im responsible for the rest of the money owed on it, and they have put it against my credit score. These people are the absolute worst to work with, and quite honestly I regret ever going through them for both of my vehicles. I want my credit report fixed, and I am NOT paying anything else on a vehicle I dont have that almost got me killed twice.

  Business response

  11/25/2022

  Complaints regarding the vehicle and mechanical issues have already been addressed between the customer and the dealership where she purchased the vehicle. 

  The customer signed a legal binding contract on March 27, 2021. She breached the contract when she voluntarily surrendered the vehicle.  The vehicle was sold at auction after the mandatory time, per ** law.  The proceeds, from the sale, were applied to her account.  Since there is a balance still owed on the account, after the vehicle sold, the customer is still responsible for the remaining balance.

  The account has been reported to the Credit Bureaus accurately,according to the Credit Reporting Resource Guide.  The account will continue to report to the customers credit, per the Credit Reporting Resource Guide, until the Credit Bureaus purge date which is set by the Credit Bureaus.  We are required to report account information accurately and that is what we have done.  

  Customer response

  11/28/2022

   
  I am rejecting this response because:
  The vehicle should have been fixed when it was in the shop. It almost got me killed twice because it died in the middle of the road. They kept adding money to my payment every time it was supposedly fixed. I am NOT paying for a vehicle I dont have. I gave it up due to those reasons, they also told me it sat in the shop parking lot and was never diagnosed the second time. So I dont know what cause it to completely die the second time. These people are nothing but liars, and theyll do anything they can to get money. 

  Business response

  11/30/2022

  The customer can reject our initial response; However, the facts remain the same and have not changed. Our original response is as follows:   

  
  Complaints regarding the vehicle and mechanical issues have already been addressed between the customer and the dealership where she purchased the vehicle. 

  
  The customer signed a legal binding contract on March 27,2021.  She breached the contract when she voluntarily surrendered the vehicle.  The vehicle was sold at auction after the mandatory time, per ** law.  The proceeds, from the sale, were applied to her account.  Since there is a balance still owed on the account, after the vehicle sold, the customer is still responsible for the remaining balance.

  
  The account has been reported to the Credit Bureaus accurately, according to the Credit Reporting Resource Guide.  The account will continue to report to the customers credit, per the Credit Reporting Resource Guide, until the Credit Bureaus purge date which is set by the Credit Bureaus.   We are required to report account information accurately and that is what we have done.  
  

• Initial Complaint

  11/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My 2006 ****** Tundra was repoed on 11/21/2022 around 11:30 pm?? Ive payed 72 payments. Some have been late. Im 34 days behind now. I had to have my left thumb amputated on 11/11/2022 due to a accident at work. I spoke to a lady on the phone on 11/19/2022. And explained my situation and what happened at work. I offered her Unifour financial 2 payments off $115.27. She said she couldnt except it?????? Why?? Then I said I could pay the rest of the past due payments the following week when my workers comp gets deposited into my account??? No she said?? Has to be payed in full today???? My payments are $115.27 per week. I understand that part. When a costumer offers to make payments to try to catch the account up. And they say no???? I have to go back and see The surgeon tomorrow at 1:00pm. Now Ive got no way to get there??? Customer service is terrible!! I just want my 2006 tundra back!!!! 72 payments Ive made!! Lost my left thumb. Been a ********* for 30 years!!! People fall on hard times!! Now this is going to be on my credit. Unbelievable!!! Some please work with me to get this resolved!!!

  Business response

  11/25/2022

  The customer has been consistently past due with his payments with broken arrangements that we have tried to work out with him.  The customer confirmed this information in his complaint. 

  The customer signed a legal binding contract to make his payment on time.  While we understand his situation, due the status of his account and his account history, we were unable to accept partial payments because we are unable to stop an order unless the account is in current standing. 
  

  We have reached out to the customer and he has an appointment on Monday to get redeem his vehicle. 

• Initial Complaint

  09/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have always paid my payments even when I got behind on one but I recently started a new job that pays (bi-weekly) an told the customer service I did when I made a payment on 8/19/2022 which is 12 business days ago and Im basically being told I have to make two payments or yall are gonna take my vehicle? I dont appreciate the threats and harassment when Ive always paid my bill an never had a issue with me and now that *** started a new job an not behind theres a issue? Doesnt make sense

  Business response

  09/08/2022

  We have reached out to the customer and have reached a mutual agreement.  We value him as our customer and appreciate his business.  

• Initial Complaint

  02/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  When I got my vehicle I was getting paid weekly. I was at that job for almost 5 years. I left for many different reasons. I have a little boy in pre school and I ended up getting a job working at the school he goes to. It has helped in many ways and was the best thing for my family. If there's no school then I don't have work and don't have to worry about a babysitter and those things. Working for the school means I now get paid monthly and not weekly. I have told Unifour many times. All I want is to be able to pay monthly and not weekly since I now get paid once a month. I can't manage paying something every week. I understand a contract is a contract but people's life's and jobs change. They have made my first car buying experience horrible. All I've asked is to be able to pay my payment once a month instead of weekly.

  Business response

  02/25/2022

  Just as the consumer stated, she did enter a contract which limits changes to the contract.  We have reached out to the customer and currently in communication with her.  

*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. ↩