Innovate Auto Finance

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 loan. Your contract is with Dealer Funding, the original creditor, which you should have a signed copy of. As a servicer on behalf of Dealer Funding there is not a signed contract with Innovate. The loan has been paid off as of May 2, 2017. Regards, Innovate Auto Finance

Complaint: [redacted]
I am rejecting this response because: I was told to email this information and I emailed it on 6/2/17. I have attached a screenshot of the email sent. I Have done EVERYTHING asked and each time I speak with someone they tell me I need to do something different. It's an unending circle.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I have yet to be refunded $513 duplicate charges during the transition from BAMA. [redacted] refuses to take my calls & I have yet to hear back from Jackie as to the result of the dispute. Call Center is not adhering to posted business hours on Saturdays (the only day of the week I can call).
Regards,
[redacted]

Mr. [redacted],Our office has spoken to TransUnion this morning and they have confirmed that the tradeline for your auto is now reporting.  Innovate updates monthly now to both TransUnion and Equifax.  Your loan is now showing a recent payment made on 4/2/16. To reflect the current activity on your account, an automated universal data (AUD) form was created and submitted to both credit reporting agencies. The reference # is [redacted].  In regards to setting up your automatic payment withdrawals, the Transaction Processing department has not received your ACH authorization form. In the previous response, a copy of the form was attached. Upon receipt of that, your account will be updated immediately.Sincerely,Innovate Auto Finance

Mr. [redacted], Re: Complaint ID #[redacted] We regret to hear of your dissatisfaction with the handling of your loan. Your account has been reviewed to address your concerns.  Our office apologizes for the delay in responding as we were trying to request the title to have it mailed out to...

you.  It was received and was mailed to you via UPS on 8/10/17.  If you have not received it, please notify our office at your earliest convenience. Regards, Innovate Auto Finance

Mr. [redacted], Revdex.com Complaint ID # [redacted] We regret to hear of your dissatisfaction with the handling of your loan by Innovate. As of July 1, 2016 Innovate Loan Servicing Corporation DBA Innovate Auto Finance (“Innovate”) began servicing your auto loan on behalf of Dealer Funding. This servicing...

transfer was a normal transaction and in no way affected the terms or conditions of your contract with Dealer Funding. Servicing included: payment processing, customer support and other servicing-related issues. On May 2, 2017 a check was received from Premiere Chevrolet. The check was applied to your account and paid if off. The title was released and mailed to Premiere Chevrolet on 5/10/17.  Equifax was sent the information and should be reflecting the account status as paid/closed. Unfortunately, we are unable to provide you a contract reflecting you have a loan with Innovate as the loan was merely being serviced.  In addition, your request to have the trade line removed from credit can not be done. If you have any questions or would like to discuss further, please contact our office at [redacted] Regards,   Innovate Auto Finance

Ms. [redacted], Thank you for your patience while Innovate reviewed your complaint.  Unfortunately, your request for email confirmations after your payment has been received is not an option.  That is not currently our policy when you mail in a payment. We are only able to verbally...

provide that information for you. If you would like an email confirmation, it may be easier for you to pay your bill through your bank's bill pay system. In order to set that up you would need to know your account number, our payment address, the payment amount and due date. That option would allow for you to see when the payment reached us and when it cleared your bank and can be viewed online. Regards,Innovate Auto Finance

Complaint: [redacted]
I am rejecting this response because: I was treated in a very disrespectful matter. I was never told this information during the times I had contacted Innovate Auto Finance. I was told on several occasions I would have paper sent to me to have control over my deceased husband account once I had sent Innovate Auto Finance a copy of his death certificate and they failed to so. I want my name to be placed over the title immediately since I have provided the document they had requested and I am making monthly payments. 
Regards,
[redacted]

On September 13, 2016, the servicing of Ms. [redacted] vehicle lease with Breeze Labs, Inc. was transferred to Innovate Auto Finance. This servicing transfer was a normal transaction and in no way affected the terms or conditions of Ms. [redacted] Membership Agreement / Vehicle Lease contract with...

Breeze Labs.  Ms. [redacted] does not have a “debt” with Innovate Auto Finance, Innovate Auto Finance merely provides servicing on her vehicle lease with Breeze Labs, Inc.  Servicing includes: payment processing, customer support and other servicing-related issues. Prior to the servicing transfer, Ms. [redacted] was sent a ‘Goodbye Letter’ from Breeze Labs, Inc. informing her of the upcoming change, and, subsequently, was sent a ‘Welcome Letter’ from Innovate Auto Finance, further explaining the servicing change and providing relevant information concerning Innovate Auto Finance (website address, phone numbers, mailing address, service hours, etc.).  As has been communicated to Ms. [redacted] over the phone by Innovate’s customer service agents, the transfer of servicing from Breeze Labs, Inc. to Innovate Auto Finance did not change the terms of her Membership Agreement / Vehicle Lease Contract with Breeze Labs, Inc.  This Agreement, with the agreed upon payment schedule / fee structure and payment terms with her Dwolla or Stripe account, is still in effect. Per her Agreement with Breeze Labs, Ms. [redacted] has a weekly payment of $170.00 that is due every Monday.  Also, per her Agreement, she may be charged a Balance Carry Over Late Fee of the lesser of 2% of the beginning balance for the week or $20.00 if her account has a balance that is past due as of 12:01 a.m. on Monday. As of today, January 16, 2017, Ms. [redacted] has a past due balance of $1508.88.  This includes past due weekly payments for:  $108.92 (11/28/2016) & $1,020.00 (12/5/16, 12/12/16, 12/19/16, 12/26/16, 1/02/17, 1/9/17 and 1/16/17).  The past due balance also includes a Balance Carryover Fee of $99.11 (for the weeks of 12/4/16, 12/11/16, 12/18/16, 1/1/17 , 1/08/2017, 1/15/17). In addition to these fees, there are also Citation/Toll fees of $50.85 and No Earning Fees of $50. 00. Ms. [redacted] is aware of her payment obligations as she has spoken to Innovate’s customer service agents regarding the past due balance as well as receiving weekly statements for her account that include the amount currently due, past due balance, and an itemization of charges. Per her requests, Innovate did send two copies of her payment history. They were mailed on 10/17/16 and 11/18/16. For her records, a copy will be attached to this response. At Innovate Auto Finance, we strive to provide quality customer service experience for all of our servicing clients. We appreciate Mr. [redacted] questions and feedback and advise her to not hesitate to contact us again if she has any questions regarding her account.

On September 13, 2016, the servicing of Mr. [redacted] automobile loan with [redacted]., was transferred to Innovate Auto Finance. This servicing transfer was a normal transaction and in no way affected the terms or conditions of Mr. [redacted] original sales contract with [redacted]. As of...

September 13, all communications, payment processing, customer support and other servicing related to Mr. [redacted] automobile loan has been provided by Innovate Auto Finance. Prior to the transfer, Mr. [redacted] was sent a ‘Goodbye Letter’ from [redacted].  informing him of the upcoming change, and, subsequently, was sent a ‘Welcome Letter’ from Innovate Auto Finance, further explaining the servicing change and providing relevant information concerning Innovate Auto Finance (website address, phone numbers, mailing address, service hours, how to make a payment, etc.). In researching the complaint, we identified that Mr. [redacted] was sent a notice of intent to sell letter.  We attempted to contact him today, 12/30/16 to discuss a possible resolution.  His timely response would be greatly appreciate. At Innovate Auto Finance, we strive to provide quality customer service for all of our clients. We appreciate Mr. [redacted] questions and feedback regarding his account.   Regards, Innovate Auto Finance

We appreciate Ms. [redacted]' patience while her loan / billing has been received. The billing cycle / adjustment has taken place on Ms. [redacted]' loan. Her account is current and in good standing.   If she has any further billing questions, she is welcomed to contact Innovate to discuss further.  Regards, Innovate Auto Finance

Ms. [redacted],Your complaint has been reviewed by Innovate.  Per your contract, the payments are due on the 2nd and 17th of each month.  The records do reflect several conversations attempting to try to resolve your complaint.  The payment that was due on 5/17/15 was paid a few days...

in advance (5/15/15). The payment that was due on 6/2/15 was paid on 6/15/15 which was paid 13 days late. The delay in paying that payment is what's causing the loan to not be current each month. If you are able to provide a bank statement showing a payment was made during that time please forward it to our office.   You can fax the necessary documentation to customer service at ###-###-#### and reference your loan number.Attached to this response are copies of your contract and a copy of your payment history for you to compare to your own bank statements. Regards,Innovate Auto Finance

Mr. [redacted],Thank you for your patience as your title issue has been researched.  We have identified that a lien release was sent to you via fedex on 7/31/17 with the tracking # of [redacted].  This document will allow for you to obtain a free and clear title in your name at the...

DMV.  If you have not received this information, please contact our office immediately at [redacted]. Regards, Innovate Auto Finance

Mr. [redacted],
Your complaint has been received and reviewed.  Innovate began servicing this loan for
Bonfire Capital in Dec 2014.  The records
we received from them prior to servicing do indicate you were attempting to get
approval for SCRA relief.  In order to
qualify...

you had to be active duty before the date of the contract and it does
show your loan was dated June 8, 2012 and your active duty date was May 8,
2012.   The ineligibility status was
advised to your wife on Dec 14, 2013 and shortly after deferments were approved
to aid in getting the account in good standing.
You credit history with Innovate is all that can be reported to the credit reporting agencies.  Attached per your request is a
copy of payment history. 
Your complaint has been resolved and management has approved a
settlement amount on your loan to be paid in February.
Sincerely,
Innovate Auto Finance

Mr[redacted],
Re: Complaint ID #[redacted]
Your complaint has been reviewed and resolved. Innovate is currently servicing your lease on
behalf of BAMA leasing. Terms of your
contract did not change, however there was an issue with weekly amount due. The
account has now been corrected and the
correct amount has been adjustedOn 7/17/17, our records reflect you spoke to
a supervisor who provided you with an explanation of your account and offered
you a payment arrangement in which you agreed to. The deferment you requested has also been honored
If you have any further concerns, please contact our office
directly at [redacted]
Regards,
Innovate Auto Finance

Ms [redacted]Our system shows that your account, #[redacted] was paid off and we released the title to you in April of 2013.  Are we talking about the same account?Thanks

Ms. ***: Thank you for your patience while Innovate is researching your complaint.  We are still in the process of trying to get in contact with the owner of *** *** *** to verify and get confirmation of the payments you made to them prior to Innovate purchasing the loan. Once we...

receive that information, we will be able to credit your account. Once resolved, we will notify the Revdex.com and also contact you directly. Regards,Innovate Auto Finance

Mr. [redacted], Re: Complaint ID # [redacted] Thank you for your continued patience as we’ve identified and resolved your complaint regarding your wife, the co-borrower’s credit information. Previous records reflect that manual updates were being sent electronically to the credit reporting agencies per your...

requests. However, we have now confirmed with both Equifax and TransUnion that those requests were not updating properly. The root case was investigated and the error was due to an IT glitch on behalf of Innovate and has now been corrected.  Equifax has also confirmed that your information was not removed. The error that has now been corrected internally will not reflect negatively on the credit report for either of you. Again, thank you for your patience and if you do not see this information updated within the next 2 weeks, please contact us directly at [redacted].   Regards, Innovate Auto Finance

Ms. [redacted], Complaint ID: [redacted] We regret to hear of your dissatisfaction with the handling of your loan. Our 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 account. The issue has been corrected...

and as of 1/26/18 your loan has been satisfied and paid off. If you have any additional concerns, please contact our office at [redacted]   Regards, Innovate Auto Finance

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 report. Transunion 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 done. Needless to say that I am in the middle of buying a home and this has dropped my score by 30 points.Regards,
[redacted]