Sensible Auto Lending, LLC

[redacted] 's car loan has been current only once since she opened the account on September 20, Our right to cure letters go out automatically to EVERYONE days prior to any possible Repossession actionOn December 4th she told our representative that she should not get these letters because they "are a form of harassment", which by law we have to sendYesterday, she told our supervisor Nichole that she is getting these letters "late" even though the date when the letters are sent are posted on the letters [redacted] then threatened to call her Attorney and hung up on the supervisor

Dear Customer, Sensible Auto Lending apologizes for the experience that you hadOur records indicate that we did send you out notification that your vehicle was repossessed in compliance with state lawsAs a courtesy, we did remove this from your creditThank you, Sensible Auto Lending

[redacted] Sensible Auto Lending apologizes for any bad experience that you have hadWhen your card declined, the funds were not available to be takenWe informed you that to get on a biweekly schedule, you have to pay for the current week and the week aheadWe put you on the biweekly schedule and at the current moment you are days delinquent and do see you made an arrangement to pay this fridayAt 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

If you see any discrepancies on your credit reportPlease dispute it with your credit bureauIn this case we report to [redacted] If you have any further questions please contact us at ###-###-####Sensible auto Lending apologizes for any inconvenience

Dear Customer,Sensible Auto Lending apologizes for any bad experience that you have hadOur company starts taking payments the day that you are due, that date comes from when you sign your contractWhether you have your vehicle or not, we go back the contractual dateOur company only reported to [redacted] , until recentlyWe now report to [redacted] If you have any other questions, please call us back at ###-###-#### Thank you, Sensible Auto Lending

[redacted] Sensible Auto Lending apologizes for any inconvenience that you have hadPer the recording of the call, the manager set you up correctly for online transactions with you on the phoneYour card was declined because the funds were not available, which was told to you on the callSensible did credit you a fee as a courtesy for previous issues that you have hadThis was all made aware to you on the call that you had with managementPlease feel free to contact us if you have anymore issuesThank you, Sensible Auto Lending

Dear Customer,Sensible Auto Lending apologizes for any inconvenience that you have had with our customer service/collections departmentWe thank you for your payment and want to let you know that you have a payment due this Friday, 5/20/Your next scheduled payment to automatically withdraw is on 05/27/for $You are not on the correct recurring schedule for automatic payments to come outManagement would like to make sure that you are aware of thisA weekly payment of $is due on 05/20/We are a weekly contracted company, per your contract, you are due every weekAs a courtesy for our customers, we do make payment arrangements, if it is the correct schedulePlease contact us back at ###-###-####

Complaint: [redacted] I am rejecting this response because:Everything that they stated was untrue.How did my card go through for a few weeks, then not go through?The funds were always there; I put the funds on all at once, so I do not have to worry about my car payment.I only use this credit card for my car payment and insuranceThere never was any credit given, nor a reduction in any weekly payment, to make up for the creditI can print out my credit card history, which will show that the money was always there and available, your company did not process it properly, because my account all of a sudden went from being set up properly, to having issues on YOUR end, not mine.This complaint is ongoing, and you should have resolved it over a month ago instead of dragging it outThis just proves your non-commitment to proper customer service Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I've communicated at least that I was setting my account up for bi weekly paymentsMy card didn't decline because of insufficient funds(I have my bank statements to prove just that) so please don't put that on meAs I stated before: I called and was told that it was a glitch on your end only to call back and was told that my card declinedSowhich customer service rep lied,the one who said the glitch or the one who said my card declinedummm....well based on my bank statements the rep who said my card declined lied! I also find it hard to believe you didn't know it was set up for bi weekly since the next payment took weeks out without any issuesThat's neither here nor there because your company will get paid...periodMy issue is looking at different ppl complaints from this site and others most are about the horrible customer service, lack of communication, etcSince I do customer service I can say that when our company messes up, we do not put it on the customer, we show accountabilitysomething your company lacksI did my part several times,called several times,said the same thing several times but for some reason it's not being documented or either the phone calls aren't foundI get treated badly and talked to as if I'm a bumI've had several cars and have dealt with several car finance companies and this one is the worst I've ever dealt withI realize arguing with any person or company who isn't ready to admit their fault is useless so with that being said, I hope to have no more issues after this but if I do...I will be voicing them on this site as well as others and if need be to the mediaIt's too many of us who have been taken advantage by your company for us not to be able to express it on a larger scale than the internetThank you and please enjoy your day Sincerely, [redacted] ***

To be considered delinquent on the credit bureaus, the borrower's account must be over days lateWhat we tried to explain to [redacted] was that her car loan must be past due (between 1-days) to be eligible for a loan extension, otherwise there is no need for a loan extensionThe customer continues to pay on time and has been zero days past due

Complaint: [redacted] I am rejecting this response because: Your company still hasn't contacted me about why it is loan's out in my name?? That's bull your company does not report to any creditWhat kind of company charges you before you get the vehicle? I never heard of such thing? I would like for The second loan to be taken off my credit report and a full refund and/or credit applied to my accountI tried calling about this matter for several months and still haven't spoke to anyone about these matter's Your company is suppose to help our credit not make it worst, I think your company has been extremley careless with people that come to your company for help Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:I spoke with Lauren, a supervisor, and she was just as short and continuously talked over me, just like her staffShe accused me of yelling (which I never raised my voice, but was talking over her at times, just like she did with respond to what she was saying)She did not refund any on the extra fee's that I had to pay when I called in to pay my loan for the week when they were declined.They were declined because they had the wrong credit card, which I had called in every week, numerous times, to make sure everything was updated, and again, I would get hung up on by the customer service reps.Also, the reason why my account was "closed" on their website, is because they changed my account number, and I had never been notified of the change, even when I told them the problems I was having with their websiteI was told by their customer service reps to call [redacted] to get the problem fixed.I currently am on hold (for about minutes now) by Lauren, because she was getting frustrated with me by stating that I wished for a refund for all the extra charges.She also told me that by missing one payment, my car can be repossessedThis was said in a no so nice manner, to imply that they have the upper hand.It was not a pleasant conversation, nor an outcome Sincerely, [redacted]

Dear Customer,Sensible Auto Lending is showing that we are reporting your account to [redacted] If you are showing two loans on your credit report, your first loan was closed and sold to a different branch of our companyIf you have any further complaints, feel free to contact us at ###-###-####We apologize for any inconvenience

[redacted] Sensible Auto apologizes for any inconvenience that you have hadWe are in the middle of researching your request and will be getting back to you with more informationPlease feel free to call us at ###-###-####Thank you, Sensible Auto Lending

Dear Customer, Sensible Auto Lending apologizes for any bad experience that you hadThe $overdraft fee was refunded to your account on 08/03/Please feel free to contact us at ###-###-#### Sensible Auto Lending

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 Sincerely, [redacted] ***

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 ***. Thank you, 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 ###-###-####.

*** *** Sensible Auto Lending apologizes for any bad experience that you hadPlease contact us at ###-###-####, extension *** it does look like the issue is now resolved and hope there are no problems going forward. Thank you, Sensible Auto Lending

This car loan has been past due most of the times since it was opened on March 18, We had no other choice but to repossess the vehicle when the loan became very delinquentALL the repossession fees we collect from the customer when the vehicle is redeemed goes to the repossession company for
their serviceWe cannot refund a fee we did not charge