Innovate Auto Finance

Ms [redacted] ,Thank you for your patience while Innovate reviews your loan and complaint.Our office is still in the process of trying to resolve your refund issue On 9/26/16, you spoke with a floor supervisor, [redacted] *** You were to provide a copy of your bank statement providing evidence of the payment being withdrawn twiceDocumentation was received but it was encrypted and we were unable to view it As of 10/7/our office is still waiting for supporting documentation Without that documentation we are not able to resolve your complaint.At your earliest convenience please email the necessary documentation to the attention of [redacted] @ [redacted] .Regards,Innovate Auto Finance

Complaint: [redacted] I am rejecting this response because: I am asking for the original contract with the original creditor (dealer funding) if you can not provide that contract to me under the fair credit reporting act section by law you must remove this account off of my credit report Regards, [redacted]

Ms [redacted] ,Your complaint is currently still being reviewed The issue with your tracking device has been resolved and will no longer be interrupted The information that was advised to you on 12/by management is still under review with our accounting departmentYou may in fact not owe any additional feesHowever, this loan did not originate with Innovate and we are still working to compile those numbers to provide you with a suitable answer regarding the remaining balance We are working diligently to resolve this before the holidays As soon as a resolution is reached, we will provide the Revdex.com with a response and you will be contacted directly by the company.Thanks for your patienceSincerely, Innovate Auto Finance

On June 30, 2016, the servicing of Mr [redacted] automobile lease with Xchange Leasing, was transferred to Innovate Auto FinanceThis servicing transfer was a transaction and in no way affected the terms or conditions of Mr [redacted] original contract with Xchange LeasingAs of June 30, 2016, all communications, payment processing, customer support and other servicing related to Mr [redacted] automobile loan has been provided by Innovate Auto FinanceIn reviewing the account Mr [redacted] has been sending correspondence regarding tolls and citations related to his lease There has not been a breach of contract as Innovate is only servicing the contractIn addition, our records reflect that copies of paid toll images were mailed on 1/4/If those items have not been received, our office will gladly resendAt Innovate Auto Finance, we strive to provide quality customer service for all of our clientsWe appreciate Mr [redacted] questions and feedback regarding his account and personal information Regards, Innovate Auto Finance

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 Regards, [redacted] ***

Ms [redacted] , Thank you for patience while Innovate has been reviewing your complaint and attempting to address your concernsA supervisor has attempted to contact you directly to clarify the contract terms and address your complaint with the billing statements you have received The supervisor that left you a message, her name is [redacted] Please return her callShe can be reached at [redacted] Regards, Innovate Auto Finance

Per your contract, if a payment is not received by the 10th day there is a late fee assessedIf you need to request a due date change to avoid late fees, that option is available to youThe interest rate is not variable and never changed Our records, regardless of what a representative advised you has not increased from 24%.Innovate trusts this information and documentation will allow the Revdex.com to close this matter satisfactorily.Regards, Innovate Auto Finance

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11551828, and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below Regards, [redacted] I have tried contacting Innovate several times and I am still getting the run around7/20/I spoke with different representatives and they have refused to send the ORIGINAL release of lein not a copy AND the title to my vehicleI was recently mailed a copy and now they are denying me of receive the paperwork to my vehicle that was paid off years agoThe representative also refused to allow me to speak with a supervisor as wellThis is unacceptable and I have waited years to long for my titleI have also tried contacting the number that was left with Revdex.com and no response

Please contact me to help resolve your dispute###-###-####Thank you [redacted] ***Compliance/LegalInnovate Auto FinanceO: ###-###-####| F: ###-###-#### [redacted] ***

Mr***,Thank you for patience while your loan was being reviewed by Innovate Your account has been credited for the misapplied payment from CSC The credit reporting agencies have also been notified of the correction and will be updating your creditThe next payment on your loan is due November 24, We apologize for all the inconvenience this has caused.Regards, Innovate Auto Finance

Ms [redacted] We raised this issue with our contacts at Clay Cooley and they advised that the reporting issue is with their reporting They have asked that you resubmit your request through Transunion so that they can make the correction on their reporting.Sorry for the inconvenience.Best regards, [redacted] Chief Risk Officer

Ms [redacted] , Complaint ID: [redacted] We regret to hear of your dissatisfaction with the handling of your loanOur records indicate that at the time you called in and spoke to a representative to verify your balance there was an adjustment being made to your accountThe issue has been corrected and as of 1/26/your loan has been satisfied and paid offIf you have any additional concerns, please contact our office at [redacted] Regards, Innovate Auto Finance

Complaint: [redacted] I am rejecting this response because: The information included in response is untrue and inaccurate I will try to address each untruth in the same order it was presented First, I received a letter from Breeze stating that a new company Innovate would be taking over the account but there would be no changes regarding billing, payments and other issues Innovate mentions nothing has changes in billing since leaving Breeze, NOT TRUEInnovate took without even so much as an Introduction Letter...This was not how payment were made with Breeze.Breeze sent email alerts of any citation received which allowed me the client to take care of this This did not happen with Innovate.Example: Innovate receives of toll received but fail to inform me but tell me over the telephone it is their policy to charge excessive amount dollars to pay it It is and was actions such as this that prompt repeated phone calls and email messages to them.Breeze provided detail summary of charges included any overages for mileage etctrue and actual accounting recording all payments and detail charges in detail showing remaining balance.I was never charged a finance charge or non rider fee with Breeze but Innovate add these charges and others.Unfortunately, Innovate provided very vague information depending on the time of the call and the representativeyou spoke with during the call Listed below are just a few of the comments I received when calling Innovate to ask question about billing I will attach summary of my payments to Innovate as proof my weekly amount was always paidand to mention carry over in their letter..Nonesense why do you wait until to mention carryover from September of Proper accounting and support was never provided despite many repeated requests Yes, they (Innovate) claim billing accounting was mailed This too is false I say that because the only document I received from them was copy of registration paid for by Breeze So we can not say there was anything wrong with mail or distribution of mail if it ever was supposedly mailied because I have received mailed registration Sadly, it took a letter to organization to get something that I have been requesting from this company (INNOVATE) since Sept2016.I spoke to Breeze rep at Innovate..Ms [redacted] When inquiring about my bill , she explictly said things will be changing with INNovate, Breeze did not charge you guys for alot of things, Despite her comments,, Breeze did everything according to contract What I found especially alarming....She ( [redacted] ) ask me to send her a copy of the Invoice in question which is their (Innovate) internal documents It was comments like these and billing numbers increasing without written explaination made me ask repeatedly for a detail billing summary of charges and what I am being billed for Yes, it is true that I spoke to several people at Innovate, and as I stated depending on the day of the week, I got different explaination each phone call I also requested something in writing, email correspondence anything that confirms what they are saying as true...Each and every rep stated: " We do not send or respond to emails We can tell you what you want over the phone.' This is the 21st century which company does not reply to emails, one that is not being HONEST.The Breeze rep ( [redacted] ) stated excessive charges have to do with mileage while , another rep states mileage has been removed More recently, ***, was the most efficient rep that I spoke with in that company (Innovate) she said I should not be charged finance fees and the bulk of the charges looks like they are citation I requested a copy of this information because I have no outstanding citation at the moment For this reason, I do not know what INNOVATE is billing for.I sincerely believe their failure to provide email correspondence and proper billing accounting records allows them the opportunity to collect monies that are not necessarily due I have attached a copy of payments to InnovateLastly, failure to provide attached billing does not allow the customer time to provide proof that the "said citations" have been paid Providing this information accurately and timely with billing cycle would not allow them INNOVATE to tack on outrageous charges [redacted]

Mr***,Your account has been reviewed and the records don't reflect where the voided check and ACH authorization form were received by customer service To try and resolve the ACH issue, a copy of the form is attached to this responseIf you could please fill it out and fax or mail it to the Transaction Processing Department that will expedite things Faxing the document will be the quickest option and if received by p.mit can be updated the same day If that is not an option you can mail it The fax # is ###-###-####- Transaction Processing Mail will be Attn: Transaction Procession/ PO BOX / Fort Worth, TX 76124.As we still try to resolve the credit reporting issue hopefully we can try to get this portion of your complaint resolved as well.Regards,Innovate Auto Finance

Complaint: [redacted] I am rejecting this response because:It's blatantly misleading and full of liesThese businesses never sent me a "goodbye letter"; refused to honor the terms and conditions of our agreement, and refused to accept my full payment to reinstate my lease, over the phone and via e-mail on 12/17/2016, before the listed sale date on 12/22/ Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11551828, and find that this resolution is satisfactory to me Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I have contacted the [redacted] service team at Innovative Loan and they continue to tell me that they cannot update my credit reportTransunion has advised me that they filed a dispute with Innovative Loan and it is up to the creditor to update the credit report which has not been doneNeedless to say that I am in the middle of buying a home and this has dropped my score by points.Regards, [redacted] ***

Mr [redacted] , RE: Complaint ID: [redacted] – Rejected Response As stated in the previous response to the Revdex.com, Innovate Auto Finance is only servicing your loanYour contract is with Dealer Funding, the original creditor, which you should have a signed copy ofAs a servicer on behalf of Dealer Funding there is not a signed contract with InnovateThe loan has been paid off as of May 2, Regards, Innovate Auto Finance

Ms***,Thank you for your patience as your loan was being reviewed The loan in which you referenced has been paid off and the credit reporting agencies have been notified In addition to the loan being paid off, the title to your vehicle has also been mailed to you.We apologize for any inconvenience this delay has caused Regards, Innovate Auto Finance

Innovate has reviewed this complaint along with correspondence you sent via emailThe number you requested to be removed was removed on 8/27/the same day the emails from you were receivedThere is no record of our office contacting you at that number since that time In addition, your account is on hold for any outgoing calls due to promise to pay for a payment on 9/11/13.Sincerely,Innovate Auto Finance