Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:07/03/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ove rcharing and fraud also unfair and misleading business practices

  Business Response

  Date: 07/03/2025

  Unifour Financial is a financing company that acquires and services Retail Installment Sales Agreements from independent dealerships.  We do not participate in vehicle advertising,pricing, or sales, and our involvement begins only after the Retail Installment Sales Contract is assigned to us.

  The customer purchased the vehicle on November 29, 2024.  At that time, he signed and entered into a Retail Installment Sales Contract that clearly outlines the terms of the finance agreement and remains legally binding. He also signed and acknowledged an Experian AutoCheck Report indicating prior minor to moderate damage to the vehicle.  

  The customer is clearly upset regarding the Carfax Vehicle History Report (VHS).  To provide context on vehicle history reports, we are including a letter from Carfax which notes that data is collected from over ******* sources. Importantly, it states:
  "Carfax does not provide any representations or guarantees in the VHR,or anywhere else, that a VHR is complete or accurate."
  This reflects the inherent limitations of such reports.

  Unifour Financial was not involved in the sale, advertising, or valuation of the vehicle. Our role is to honor the terms of the contract as entered into by the customer.  We hope this clarifies our responsibilities and respectfully addresses the concerns raised.

• Initial Complaint

  Date:06/15/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a car from ************** on April 10th 2025. And on May 31st the car i purchases broke down . I was driving and the car just shut down in the middle of the street. I reached out to the warranty department which is a part of the financial company and advise them what happened. I was told that the car a warranty but when I spoke the warranty department they said it was on 30 days which i was not advised of. I also contacted the car dealership where I purchased the vehicle and explained to them what happen and was told that they would help me with it and the mechanic they work with for the financial company would call me. It's now June 15th I have now heard from anyone. I reached to the financial company to see I would be able to push my payment to June 19th and I would make both payments just to give me enough time to get my car fix if it's fixable and they stated they call help me to the 13th unfortunately my car is not working and I'm still trying to find someone to fix as it seems the dealership or the warranty department it's going to help. I would like to see to request that they either help me get the car fix as its only been 60 days and this falls under the lemon law or help with my payment for a few.more days because seem like I'm going have to fix my car my self and the diagnostic reading I have stated something is wrong with the transmission and possibly the engine. I honestly unhappy with that I just purchased this car and it has already broken down and it hasn't even been 90 days. And I was also told by the warranty department that they do offer extended coverage but no one offer that to me as I would have purchased had I know I was getting a car wasn't going to last past 60 days. I would greatly appreciate some type of help. I understand that my first payment was late due a return on my from using the wrong account for payment but the payment shouldn't have anything to do with me having a reliable car that I still have to pay for.

  Business Response

  Date: 06/17/2025

  We would like to clarify our role in this matter.  We are strictly a finance company and do not sell vehicles or handle mechanical issues related to purchased automobiles.

  Regarding your payment concerns, we did work with you to arrange payment extensions, but unfortunately, the previous arrangements were not kept.  Nevertheless, as of June *******, we extended yet another arrangement to assist you.  While we sympathize with the difficulties you are facing with your vehicle, financial agreements remain separate from mechanical concerns.  Any questions regarding repairs should be addressed directly with the dealership.

  We hope this clarifies our position. If you have any further concerns related to your financing, we are happy to assist within the scope of our role as your financial provider.
  

  We have forwarded your complaint to the dealership. 

• Initial Complaint

  Date:11/07/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:09/24/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 09/30/2024

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

• Initial Complaint

  Date:09/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  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

  Date: 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.  

  Business Response

  Date: 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 Answer

  Date: 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

  Date:06/13/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:05/14/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 05/16/2024

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

• Initial Complaint

  Date:03/18/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  
  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 
  as 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

  Date: 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. 

  Business Response

  Date: 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

  Date:02/09/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:01/24/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

   
  I am rejecting this response because:
  
  

  Business Response

  Date: 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.