Universal Acceptance Corporation Consumer Loan Complaint

Universal Acceptance Corporation Consumer Loan department,

Vehicle lease Taking out the loan or lease California

I decided to do business with CarHop located in -, IL. They financed a - Chevrolet - on - -, - through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the - Cavalier to CarHop on - -, - and they took the car back and put me into a - Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am - -, - and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for $52.00. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of $52.00 remaining on the - Chevrolet -. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.