AC Auto Pay

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meHowever we have still not received the lien release, only the title Sincerely, [redacted]

I have reviewed the complaint filed by Mr [redacted] The contract and the loan document both support the customer elected to purchase Warranty and Gap products Once the deal goes to funding the cancellation of these products must go through the warranty and gap companies Mr [redacted] ended up paying off his loan less than days from funding I contacted both companies and explained the situation and I obtained cancellation documents for both the warranty and gap products I sent these documents to the customer and he signed and sent them back I have submitted both cancellation request to the gap and warranty company and we are awaiting the refund from them Mr [redacted] will receive a full refund for these products once the warranty and gap company process the refund I have spoken to the customer and explained the process I understand Mr [redacted] frustration The loan consultant he was dealing with departed from Autopay shortly after closing this loan I spent some time on the phone with the customer, reviewing his contract and the itemization of amount financed and the truth and lending disclosure I believe I answered all the questions the customer had, and if any other questions arise, he has my contact information and can call me at any time Thank you, [redacted]

Complaint: [redacted] I am rejecting this response because:I spoke with an agent at AutoPay around 5:pm eastern on 4/27/They have now told me that I am days past dueI could not make a payment before because AutoPay could not find my accountNow, they are telling me I am behind and cannot set up a payment until I become current on paymentsThey would not tell me if they could bring me to current or if this has impacted my credit score even though this is AutoPay’s mistake and not mineI have been trying to get this resolved for monthsAlso, I tried to speak to a supervisor, but they were out of the office until the next week Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] bull my loan Buy out was something now I owe I asked the credit union about itThey said u told them was the buy out if u paid the old loan something and the credit union paid u that's almost agrand difference pay it back

Complaint: I am rejecting this response because: I understand how financial institutions work, thank youMaybe you should retrain your call center reps on what "underwriting" actually meansIf you're shopping around to find me a lender, that's not underwritingUnderwriting is "to show agreement with or to support by or as if by signing one's name to, as a statement or decision.." not to figure out based on my information if you can find me a lenderHopefully this will provide you a better understanding next time your dealing with potential customers Sincerely, [redacted]

We are sorry [redacted] feels this wayWe did receive her application from [redacted] for refinance on her automobile loanUnfortunately, at this time we do not have any programs that will fit her needs

I have attached a copy of Ms [redacted] payment history for her to review Since Autopay obtained the loan in January of 2014, the customer has only been assessed one late charge in the amount of $on May 25th, The customer spoke to a collections manager at that time, who explained to the customer she was not allotting for the $convenience fee when paying her payments on-line In reviewing the notes and payment history on the customer’s account, it would appear the customer has difficulties navigating her payments on the automated IVR system, not accounting for the $convenience fee The customer has on several occasions accused Autopay of charging more on her card than the actual payment amount made We have asked for the customer several times to fax over a copy of her bank statement supporting her accusations, but nothing is ever sent I would suggest for the customer to review the payment history against her bank statements, and if she has any discrepancies in the amount paid, provide proof of such discrepancies and Autopay will research the matter

On March 9th 2016, our customer service agent and collection manager attempted to explain to the customer’s daughter, an authorized third party, the procedure to get her mother’s title released prior to the day credit card hold The day credit card hold is a safeguard in place to ensure a customer doesn’t turn around and dispute a transaction after they receive the title The customer’s daughter did not accept the explanation that was given and became confrontational with our staff At that point, Autopay advised the daughter we would need to deal with our customer directly, since these type of requests need to come directly from the signer or co-signer of the contract Once the customer was on the line, for security purposes, she was asked to verify some basic information to ensure Autopay was speaking to the correct person The credit card waiver form has been emailed to the customer I have also attached a copy of the form to the response If the customer has any questions on how to go about filling out the form, she can call our customer service department The original notarized copy must be returned to the address listed on the bottom of the form Once the completed form is received, Autopay will release the title to the customer

We did in fact respond to this complaintMs [redacted] , Ms [redacted] in our dealings, was sent title on April 4,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

Initial Business Response / [redacted] */ I had an opportunity to review the complaint filed by Mr [redacted] The CPI (Insurance)was cancelled effective 3/2/Mr [redacted] was issued credit to his loan for $on May 12, The account still remains delinquent and is reporting to the bureaus as delinquent Initial Consumer Rebuttal / [redacted] */ (The consumer indicated he/she DID NOT accept the response from the business.) I have spoken with the insurance BRS personally many times since 3/2/I was told the insurance was still on the filei also talked to autopay since then and was told by their staff the money insurance was still in placeThis response is a lieI spoke with Lilliana with BRS in May and was told the insurance was still in placeIf that was refunded, why was I not informed in May? Also, the insurance was in place on the car alwaysTHere was a breif break from 2/20/to 3/1/with liberty mutual and the insurance was in place since 1/I do not understand why it was placed in Jan if my policy did not lapse until 2/I received a bill in the mail from autopay this week and it does not show any adjustmentsI still feel my credit should be restored because my car was reposessed due to this Final Business Response / [redacted] */ I would suggest that [redacted] review his statement dated 6/5/which reflects the credit issuedI would also suggest if [redacted] has additional concerns regarding the insurance he call and speak with one of our Loan Servicing Managers [redacted] has struggled to stay current on his account since November of We will continue to report accurate information as we have been doing Complaint Response Date bumped because: Holiday

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11252067, and find that this resolution is satisfactory to meI have also attached a copy of my payments that were made to your collection agency Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11082277, and find that this resolution is satisfactory to me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I called the phone number that a.cAutopay gave me in their last response and I was informed a check $and some change was mailed to A.CAutopay last month This is what I have been dealing with from the beginning So AC Autopay has my refund when are they going to mail the $and change going to be mailed to me Thank you Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 6, 2015/12/14) */ I have reviewed the complaint filed by Mr [redacted] and researched his application process with our lending departmentI am in agreement with Mr [redacted] , his loan took longer than what our expected target goal is set forHis contract date was 11/12/15, funding date was on 12/3/and the payoff was sent to [redacted] Credit Union on 12/7/The deal has been funded and his loan is now with [redacted] Credit Union AC Autopay was the originator for his loan applicationAutopay collects all the necessary documents and shops the loan with several of our lenders, attempting to find the customer the best rate availableAlong with processing all the loan documents, Autopay also does the necessary title work specific to the state the customer lives inThere is a lot of time and paperwork that goes into getting a customer fundedOur agents are trained to disclose the origination fee while discussing the loan with potential customersIf this did not take place verbally, I apologize, this is certainly not how we train our agent and we will use this as a training opportunityThe fee however is disclosed on both the Loan and Security Agreement under the Itemization of the Amount Financed and in a separate Product Disclosure formBoth of these forms were signed by Mr [redacted] and I have attached the forms to this complaint Again, I do apologize to Mr [redacted] for the delays and miscommunications with our agentI did attempt to reach out to Mr [redacted] and left him a message on his voice mail, but I did not get a return callIn an effort to show good faith to the consumer, I am requesting a refund for the loan origination fee to be sent directly to Mr [redacted] If Mr [redacted] has any questions or comments, feel free to give me [redacted] a call directly at XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/12/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I greatly appreciate the response in this matterI actually have not gotten a chance to check the voicemail as I am out of the country until end of the yearWe are relieved to say at least that seller's credit union received the pay off check and it's finally overAny refund in service fee would be greatly appreciatedI can follow up when I return Thank you

Complaint: [redacted] I am rejecting this response because:The business has had days to accomplish thisAfter 30+ days I called and it still had not even been ordered from the state of Florida by their own admissionFor this complaint to be settled the title will need to be in hand as I have been told numerous stories as to where my title isSo far the delay has cost me different buyers of the bike who couldn't wait any longer for the title Sincerely, [redacted]

Complaint: I am rejecting this response because: I did call dozens of timesMy complaint is accurate They are telling me to apply and pay for a loss titleI did not lose the titleIt has never been in my handsI should not have to pay the $for a less titleOne A C Autopay lostI have spoke to ***His intimidation attempt is not working on meHe called wanting to only address I've never spoken to him,wanting to be argumentativeI went the route of the Revdex.com because I could get no where with anyone I spoke to at AutopayI spoke to a Mary in their title department after filing my Revdex.com complaintShe told me lien release is same as title Incorrect, I can not sell my car with a lien releaseI have all the dates, times and persons I spoke to each time to prove the accuracy of my claimThe DMV told me they received a fax onlyThey are not in business to keep auto titlesWhen [redacted] and I spoke I asked if he had contacted the [redacted] DMVHe replied no, he doesn't track down titlesBy law I an to receive a title when my car is paidI to this date still haven'tIf they sent it in Novand I was still paying on my car till March they held no title and had no concern of that legality for that lengthy periodBy ***'s own admission in his reply, I was told upon paying my car in full I would receive my title after days!!! Not that I would have to pay and apply for a loss titleI think that is the bottom lineI am way past there days and still waitingThank you Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 12, 2015/09/21) */ The consumer's automobile loan was in fact serviced here at Autopay on behalf of her lender, Finco ManagementAutopay transferred servicing of the account back to the lender, [redacted] on May 31, The loan was not paid in full at that time and the title was sent to Finco Management to continue processThe loan was not paid in full and the title is in possession of her original lender

I'm sorry, I am not clear on what you are claiming in your responseYour old loan was paid off, on the amount your lender advisedWe are merely asking for you to substantiate a balance there, as they are not advising us a balance remained"We" did not get paid anything, as you stateYou took a new loan with [redacted] at 6.56% with a $monthly paymentWe paid off your previous loan with a $payment accruing at a 14.4% interest rateI'm not sure what you think was done wrong hereSend us a statement showing you have a balance remaining with [redacted] and we can go from thereIf there is not a balance there, we are unclear what you are claimingYou initially said you had a $2000+ balance with them, now we have spiraled into a new series of claims that we do not understand