Sensible Auto Lending

[redacted],
On  12/30/2015 at 3:58 pm the manager credited you back a $5.50 fee as a courtesy for your previous  experience  with Sensible Auto Lending. On that day, the manager took the time out to go online, with you on the phone , and set up your online account properly.  We apologize again for any inconvenience that you had. Feel free to contact customer service back at ###-###-####.

[redacted]
Please feel free to contact management if you have any other responses. As stated before, management credited you back a $5.50 fee as a courtesy. We run our payments, for all of our customers, at the same time., if the funds are not available, the credit card declines.  We apologize for any inconvenience that you have had. ###-###-#### is our phone number.

Today Marks One YEAR of being with this company. im a very passive person and I tend to let things go unsaid rather than having conflict. The first thing I should have mentioned was I paid my car note twice before I even got car last year, I was told I would be refunded when I let company know about it, let's just say that was the last I ever heard about that situation. total of $212. Couple past months I been looking to trade my car in and from 3 different dealers I was told that Sensible Auto Lending has not been reporting to credit B. when I called and asked them about issue I was told they were. but on my credit report it shows that they only reported ONE time since I had the car. Which is not cool I am a young mother trying to better my credit to buy a house for my kids, so your not just robbing me your robbing my children. I did try to contact this company several times about issue and I just got passed around like a hot potato. so now im here, but what I do find funny is when you a day late with your payments they do call your phone throughout the whole day until that payment is payed. Also I see that they took (2) loans out last June this needs to be off my credit report soon or I will have to take this to the courts. I would really like someone to contact me and settle ALL 3 matter. I really feel I should be refunded for the 2 weeks I got charged for car I did not have as well

Sensible Lending was able to get the work done ASAP for us. Their team held our hand through the crazy process of obtaining all the documents needed to secure our loan. We were even able to close 2 days early thanks to their speedy work!
I HIGHLY recommend Sensible Lending.

Dear Customer,
  Sensible Auto Lending apologizes for any bad experience that you had. The $35.00 overdraft fee was refunded to your account on 08/03/2016. Please feel free to contact us at...

###-###-####.   Sensible Auto Lending

Sensible Lending made my mortgage process a breeze. They really handled and tackled every obstacle that came up and always kept me informed with what was going on. Mortgages today are definitely tricky, but they made sure I didn't have to worry about it!
A big thanks!

Customers BEWARE of this lender...You are better off dealing with a loan shark to finance your vehicle but until ppl stop doing business with them...they will continue to be rude...ill informed and absolute rip offs! Alot of ppl don't have excellent credit and are deseperate for a car loan but there are other companys out there that will work with you...[redacted] is one of them...do your research and ask more questions when u start tge finance process but avoid this lender if at all possible.

[redacted]
  Sensible Auto Lending apologizes for any bad experience that you have had. When your card declined, the funds were not available to be taken. We informed you that to get on a biweekly schedule, you have to...

pay for the current week and the week ahead. We put you on the biweekly schedule and at the current moment you are 12 days delinquent and do see you made an arrangement to pay this friday. At any point that you fall delinquent you fall off a biweekly schedule.  Please feel free to contact the collections department at ###-###-#### if you have any other questions.

Dear Ms. [redacted],
Sensible Auto Lending apologizes for the experience that you had. please...

be advised that you on 10/07/2013 you entered into a retail Installment Contract and Security
Agreement with a Connecticut dealership. 
That dealership had the desire to sell its rights and assign the
contract to Sensible Auto Lending. Sensible Auto Lending accepted assignment of this contract
and the Contract was on a weekly payment structure for 156 Weeks. We were
contacted by you prior to the second payment being
made.  At that time you requested to pay your loan on a Bi-weekly cycle.  We made
that change and on 10/25 we took a bi-weekly payment.  It is important to understand that this
accelerated you loan and put you ahead until her next bi-weekly payment.  This means that the system will be receipting
in two payments and the corresponding interest for those two payments. We also allow a customer to put anything over the scheduled
payment to principal only.  This can be
done, however, it does not accelerate the payments due and a payment would be
due every week if we selected this option.   In June of 2014 we received a refund of $1037.14
for a pro-rated refund of an extended warranty contract that you cancelled.  We applied
that amount as a principal payment to her account.  On September 26th you requested to move to a monthly payment cycle. 
This is an acceleration and our system views this as taking four weekly
payments and taking the corresponding interest of those payments.   We would be happy to apply any overpayment to
principal.  We are in agreement that you have been very diligent with your loan.  We are sorry that you feel like we are giving you the runaround. 
As you know it is not in our best interest to alienate any of our
customers, and especially our valued customers. We are sending you a copy of your ammortization schedule, so you can see where you are at currently. Please feel free to contact us if you have any further questions.

Dear [redacted],
On behalf of Sensible Auto Lending,...

we would like to apologize for the experience that you had . We would like to assure you that this matter will be escalated to and you will be receiving a phone call from management. Thank you for being a customer.

Awesome team! Made my auto-loan paper work seamless and painless. Can not thank them enough, walked me and updated every step of the way of the process. Definitely will use them for my next car purchase. Thanks Sensible Lending.

I'm a first time car purchaser. My friends recommended mortgage company already. But I wanted to market for my own auto-loan so I came to Sensible Lending for help. They were very nice and efficient, took my appointment by last minute request. Within 20mins, they explained clearly about all the pros and cons, potential rates. The best auto-loan you can ever expect.

Dear Ms. Cotton,
Sensible Auto Lending would like to sincerely apologize for the experience that you had in the past. We are looking into this matter and will be contacting you as soon. Please feel free to contact management at...

###-###-####.

[redacted]
  The manager of collections spoke to you yesterday and was expecting to hear back from you and your mortgage broker yesterday. Please feel free to contact her again at ###-###-####.
 
  Sensible Auto Lending

If you are looking for a Auto-Loan services and are reading this, stop here and contact Sensible Lending immediately. You can trust Sensible Lending team to take care of your auto-loan process with care that will leave you stress free. I really love the response time on my queries. I have nothing negative to say. Keep up the good work!

Dear Customer,
Sensible Auto Lending apologizes for the experience that you had. We will be sending you a copy of your payment history for your records....

Hopefully this will clarify any miscommunication that has happened. Please feel free to contact management at any time, [redacted] ext [redacted] or ext [redacted].
Thank you,
Sensible Auto Lending

I would like this item off of my credit report! it is not just inaccurate, it does hold a even value. This Item Is Very Inaccurate An As Well If feel that the business that I expeierence was not prominent very disrespectful and the transaction of the contract was very unethical. because i believe this bank new the car that was being sold had a lot of water damage do to a storm, and new of all the defect of it, and was just more worried about selling the vehicle more than the longterm satisfaction I would of had for it! and the worse part about it, I was never aware of the previous damages before the car was sold to me and it definitely never hold its value! so I feel th only way this could be reconciled for myself is if it was taken off my credit report@ this was a very bad business deal and I strongly believe that sensible auto is more than aware of the condition all there vehicles arena before they are purchased!
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I received no contact from Sensible Auto. I have made several attempts to speak with a account manager and have not received any return calls. When contacting Sensible Auto, I first speak with a customer service representative, who states no manager is available, and I must leave a voice message for the manager, I am then connected to extension 250, where I have left no less than 6 messages over the past two weeks, none of my calls are being returned.
Sincerely,
[redacted]

[redacted]
Sensible Auto Lending would like to apologize for any bad experience that you have had.  In response to your complaint, Sensible Auto Lending has been reporting your loan payments to [redacted] since...

07/03/2014. We have been reporting  your loan payments to [redacted] since 03/03/2016. It may be possible that we do not have your correct personal information on file and you may contact the manager, Lauren at ext. [redacted] to verify this information. Please contact us at your earliest convenience at ###-###-####. 
Thank you,
     Sensible Auto Lending

Sensible Lending Awesome people with Excellent service! They were phenomenal agent. But more importantly, they understand and respect other cultures and values client demands. They made my car purchase process very smooth and closed before the scheduled time. We enjoyed working with them and hopefully will get the chance to do so again in the future! It was great. We'll call them for sure.