Vehicle loan or lease -- Getting a loan or lease -- Complaint #5229369
Complaint Overview
Complaint ID: 5229369
Company: Ac Autopay LLC, Denver, Co Branch
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Changes in terms mid-deal or after closing
State: Florida
ZIP Code: 33936
Date Received: 2022-02-16T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received communication from XXXX, from AutoPay.com about the loan request I submitted. I gave him the information he needed ( license, mileage, etc ) and he ran really fast through what needed to happen. He stated all the " add-ons '' that they offer, and that he'll get back to me once he gets approval to discuss my options. He was in constant communication with me, asking if I had time to talk via text. If I texted him, he responded shortly after. There was never any real delay in our conversation. He told me I was approved. Once he emailed me the terms and details, he very quickly contacted me again. I looked over the email he sent. It had every single thing added onto it that he could have added on. None of these were discussed with me. I told him I wanted nothing extra and I only wanted to refinance what I currently owe to my bank. He sounded frustrated and said he'll have to have the contract re-drawn. Something that wouldn't have had to happen if he had ever asked me what I wanted to add on if anything. But he clearly didn't care about that, he just wanted a commission, because that phone call was the last I ever heard from him. I sent him two texts and an e-mail since then. It's been 8 days since I've heard from him so far. The fact that he rushed through everything and was extremely communicative and " friendly '' up until he saw I wasn't going to just sign the documents without reading them, shows he was being fraudulent. I recently got a letter in the mail saying I wasn't actually approved, yet a contract was drawn up, with the amount and monthly payments that I only had to sign to begin? This is straight-up fraud.
Frequently Asked Questions
What is Complaint #5229369 about?
Complaint #5229369 was filed against Ac Autopay LLC, Denver, Co Branch regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2022-02-16T12:00:00-05:00.
How did Ac Autopay LLC, Denver, Co Branch respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Ac Autopay LLC, Denver, Co Branch?
Yes, visit the Ac Autopay LLC, Denver, Co Branch company profile at readthecomplaint.com/company/ac-autopay-llc-denver-co-branch to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.