ComplaintsforSensible Auto Lending, LLC

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. As a victim of identity theft, I take these errors very seriously and demand immediate action. I have filed a complaint with *****************, and copies of the complaint are enclosed for your reference. The following inquiries are fraudulent and were made without my knowledge or consent: SENSIBLE AUTO LENDING LLC - Inquiry Date: 24-Mar-23 I demand that your bureau conduct a thorough investigation into these matters and remove all unauthorized inquiries from my credit report.

  Business response

  09/04/2024

  The copy of the complaint from ***************** is missing in order for Sensible Auto to address the consumers complaint.

   

• Initial Complaint

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to dispute an unauthorized inquiry made by SENSIBLE AUT that appeared on my credit report on 6/22/2023. I did not initiate or authorize this inquiry. I am a victim of identity theft and have filed a complaint with I****************, a copy of which is enclosed for your reference. I request that this inquiry be removed from my credit report immediately and that steps be taken to prevent any future unauthorized inquiries. Thank you for your prompt attention to this matter.

  Business response

  08/30/2024

  An application was submitted by *** ****** on 6/22/2023 for a 2017 ********* ****. Please see documentation attached showing the deal details.

• Initial Complaint

  08/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with SENSIBLE AUTO LENDING I do not have a contract with SENSIBLE AUTO LENDING. Furthermore, SENSIBLE AUTO LENDING has NOT provided me with a contract as requested I have reported TD Bank NA to BBB

  Business response

  08/21/2024

  An application was submitted by *********** ********* *** on 12/02/2020 for a **** *** * *****s. The loan is currently charged off with a deficiency balance of $575.24. Attached is a copy of the borrower's Retail Installment Contract, Pay History, and Statement of Sale.
  

• Initial Complaint

  08/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Sir/Madam, I recently reviewed my credit report and discovered an error that indicates I am a victim of identity theft. I have enclosed copies of the relevant reports and documentation for your reference. The following account does not belong to me: Creditor: SENSIBLE AUTO LENDING Opened Date: 03/11/2021 Account Number: ********** High Credit Amount: $9,685.00 I request that you investigate this matter and remove the fraudulent information from my credit report as per the Fair Credit Reporting Act (FCRA). Thank you for your prompt attention to this issue.

  Business response

  08/20/2024

  An application was submitted by ******* ****** on 3/10/2021 for a 2016 ****** *****. The loan was paid off on 11/2/2023. Attached is a copy of the Retail Installment Contract, Pay History, and Payoff Confirmation.

• Initial Complaint

  08/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had missed a couple of car payments on my car loan, and on 8/22/2024 my car had its GPS/Interrupter disabled, making my car unusable. The following day, I contacted the company, and discussed the problem, I was informed I needed to catch my account back up. I made a $212 payment on the Tuesday, and was told would be reactivated after about 5 minutes. Car was not reactivated after a couple of hours, so called back, and was informed I needed to pay another $106, which I did. Car was then reactivated, and that is when the problems started. Car indicated that there was a problem with the transmission, parking break, ABS, side lights didn't work, AC and radio reset every time it was turned on. Battery would not keep a charge, and I constantly had to jump start it. Spoke with finance company as they installed GPS, and they informed me "they had never had this problem before, so it was not their fault, and I should contact the dealer (***** **** ****) who then told me to call them again, as he didn't install GPS.I have searched online, and found that I am not an isolated incident ************************************************************** Since then, my transmission is now stopped working altogether, Shifter works, but gears will not engage, so it is undrivable. None of these problems existed before it was disabled..

  Business response

  08/16/2024

  A member of management attempted to contact the borrower yesterday to resolve this complaint. A voicemail was left at around 3:10pm EST. Please feel free to call us at ###-###-#### and request to speak with Mario for further assistance.

• Initial Complaint

  07/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Sir/Madam, I am writing to formally dispute an unauthorized account that has appeared on my credit report. I am a victim of identity theft and have filed a complaint with ***************** (copies of which are enclosed with this letter). The following account is not mine and was fraudulently opened without my knowledge or consent: Creditor Name: SENSIBLE AUTO LENDING Opened Date: 9/15/2023 Account Number: ********** I request that this unauthorized account be investigated and removed from my credit report. The repeated appearance of such accounts on my report is causing significant distress and potential financial harm. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and the enclosed documents at your earliest convenience.

  Business response

  07/19/2024

  An application was submitted by Auto Source on 9/6/2023 for a 2016 ****** ******. The loan is currently 7 days past due with a balance due of $199.35. Please see documentation attached showing the deal details along with a copy of the Retail Installment Contract, Pay History and Payments Due. 

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  company refused information

  Business response

  07/19/2024

  After further review, the borrower contacted Sensible Auto on 9/2/2021 to inquire about the status of her account. The borrower was made aware that the vehicle was out for repossession and was offered two different payment plans to place the repo order on hold. The borrower informed Customer Service that the vehicle was having engine problems and since the dealership couldn't help her, she stated that we can pick up the vehicle. On 11/11/2021, the borrower called in to provide the location of the vehicle and stated that if the vehicle wasn't picked up by the end of the month, she was going to dispose the vehicle. The vehicle was repossessed on 12/5/2021 and was sold at auction on 2/24/2022. Attached is a copy of the Retail Installment Contract, Pay History, and Statement of Sale.

  Customer response

  07/26/2024

  The information that was sent by sensible is incorrect they are only trying to look good and not with the truth. All of a sudden they were able to find this paperwork when I have contacted them several times they probably just made it

• Initial Complaint

  07/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My dad purchased a vehicle from ******* **** ***** car sales in *** ******* **. The vehicle was financed through sensible. This groups has several reviews and complaints for selling defective and inoperable vehicles. Why does sensible finance our facilitate the sell of these vehicles through dealerships who have had complaints before. Not to mention the 24.99% interest rate. Out of a 400+ dollar car payment only about 180 dollars goes to the interest. My dad is not stuck paying 447 dollars a month for a vehicle that he purchased in august of 2023 and that hasn’t been running since April 2024. The vehicle didn’t even make it back to my parents house without the brakes going out. They had to be replaced the day after it was purchased. And the vehicle was properly maintained and it left them stranded on the side of the road 2 hrs away from home. Warranty has been going in circles and circles and *** has basically made it seem as they are going to try to pay as little as possible. This place is a scam for enabling fraudulent car sales. My parents will be speaking to an attorney.

  Business response

  07/24/2024

  Sensible Auto funded this loan on 8/14/2023. On 8/16/2023, the borrower completed a Customer Interview and verified that the vehicle was in good mechanical condition. On 6/24/2024, the borrower contacted Sensible Auto for the warranty information which was provided. On 7/15/2024, the borrower added ***** ********* as an authorized user who submitted a mechanical complaint. On 7/16/2024, a member of Dealer Management contacted the authorized user, ***** *********, to address the complaint. On 7/24/2024, Sensible Auto contacted *** ******** to get a status of the claim. As of today, the claim filed on 6/25/2024 is pending and their last note was from 7/8/2024 advising Superior Automotive to get the borrower's authorization to pull the oil pan for inspection in order to proceed with the claim. *** can cover up to $5,000 for engine/turbocharger claim(s) per the contract. Attached is copy of the Retail Installment Contract and *** Service Contract.

• Initial Complaint

  07/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On July 6,2024 Sensible Auto contacted my husband and I regarding our regular bi-weekly car payments of $265.01. We have been making payments via our checking account since purchase on October 2023. This business committed to electronic payment deductions bi-weekly and our customer obligations have been fulfilled each week. Unbeknownst to either myself or husband the company Sensible attempted to without funds from our account via a debit card. The company is claiming we had insufficient funds in our account during both transactions on dates 6/14/24 and 6/28/24. In fact there was funds available. In every effort to explain to the customer representative our concern for the error on their part this issue was not resolved.

  Business response

  07/09/2024

  Upon further review, on 6/14/2024 the scheduled payment declined at 6:15 AM and on 6/28/2024 the scheduled payment declined at 6:12 AM. Customer Service attempted to contact the borrower from 6/17/24 to 7/5/24 to prevent late fees but was unsuccessful. The borrower brought the account current on 7/6/2024 with a supervisor. The late payments will not be reported to the credit bureau as the account did not reach 30 days past due.

• Initial Complaint

  06/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Better Business Bureau, I am writing to file a formal complaint against SENSIBLE AUTO LENDING regarding an unauthorized account that has been reported on my credit report. Despite my direct efforts to resolve this issue with SENSIBLE AUTO LENDING, the account continues to appear on my report, negatively impacting my financial health. Details of the Unauthorized Account: Creditor Name: SENSIBLE AUTO LENDING Opened Date: 9/4/2021 Account Number: ********** High Credit: $20,280 I have never authorized, applied for, or opened this account with SENSIBLE AUTO LENDING. The presence of this account on my credit report is adversely affecting my credit score and overall financial standing. I have engaged with SENSIBLE AUTO LENDINGto dispute the account and have provided all necessary documentation to support my claim that this account is fraudulent. Despite these efforts, the account has not been removed from my credit report. I request the assistance of the Better Business Bureau to investigate this matter and help ensure the removal of this unauthorized account from my credit report. Immediate action by SENSIBLE AUTO LENDING to correct this error is crucial to prevent further damage to my financial reputation. Thank you for your attention to this urgent matter.

  Business response

  06/28/2024

  Attached is a copy of the borrower's Retail Installment Contract, Pay History, and Statement of Sale. The loan is currently charged off with a deficiency balance of $11,305.33.
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩