Sensible Auto Lending, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 061XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SENSIBLE AUT XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
04/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 082XX	Web
I purchased a vehicle with Sensible Auto as the finance company. I was given an online account for which I view my account, billing statements, etc. My payments were to be bi-weekly and after 2 billing cycles eligible for monthly payments ( which I was ok with ). I made 2 payments XX/XX/2022 and XX/XX/2022. After making those payments the system reflected I did not have another payment due until XX/XX/2022. The section where future payments due was missing from my account and the only section visible or accessible was the receipts, Home Screen which includes a link for payments and due dates. I was delighted as I thought maybe in putting the deal together there was a break in payment or what have you. I receive a call from a representative on Monday XX/XX/2022 asking about a missed payment. I verified my account and went on to explain to the gentlemen the account stated I didnt have another payment due until XX/XX/2022 which he agreed was correct. I then asked why he is questioning a missed payment when there was none due according to the account and he said he agreed with what the account is showing but I owed the payment. I asked him if he could show me within my account I missed a payment I would be willing to listen but as he stated before he couldnt so it went back and forth like this for a minute or two and we parted ways. Today XX/XX/2022 I receive a call from Sensible Auto and pressed 1 for a representative and was sent to voicemail. I called back 15 minutes later and was connected to a representative who verified all of my information. We again went over the SAME EXACT information and again went back and forth. No explanation as to why my account had no future payments as it did in the past and why the payment date still reflects XX/XX/2022. After a heated exchange or two he could not give me a definitive answer ( he gave me four or five different excuses for why it COULD BE ) but not explaining why I should pay {$210.00} that my account doesnt reflect me owing! He then kept asking me to email me documentation. Which I have NEVER received a bill via email nor a request to speak with them via email. I asked why this documentation wasnt made available to me prior to today or at the very LEAST Monday when I was first contacted by another representative. Again no response. I declined to accept the email and have not opened the email sent by Sensible Auto.
08/29/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	PA 19139	Web
On or about XX/XX/XXXX I called Sensible Auto to inform them that my job has shut down due to the COVID-19 pandemic. My car payment was due at the end of that week. I was told that I should try to make the payment. I explained to the CSR that I couldnt make the payment because nothing was open in my city. The next day I received a call from Sensible Auto about my payment, I explained the same thing, my city is shut down, I cant make the payment right now, this CSR tried to imply that I was fired from my job, my job was secure, my job was shut down due to the COVID pandemic. For 2 weeks I went back and forth with Sensible Auto about my payment. I was told by another CSR that I should have been saving money for emergencies like this. Another CSR told me that if I surrender the vehicle my credit would be shot and I wouldnt be able to get anything in my name for next 7 years. I told them I was NOT holding the vehicle hostage and it is sitting in front of my house, if they wanted it, they could come and get it, after 2 weeks of bickering back and forth I had, had enough. I was informed on XX/XX/XXXX by another CSR that they would be coming to get the vehicle because they could not wait any longer for payment and that it would take approximately 7-11 days before they could come and get it, because my city is shut down ... .like I informed them 2 weeks prior and everyday up to this point. The next morning at XXXX XXXX., I went to gather my belongings from the vehicle and it was gone already. I tried numerous times to get a hold of someone at Sensible Auto, to find out where the vehicle was taken so that I could retrieve my belongings, and I didnt receive any responses. My mothers ashes were in my vehicle along with other items that I needed. No one ever returned my messages, but they were sure to mail out a deficiency letter. Had Sensible Auto waited a couple of more weeks I could have made the payment with the stimulus check that I received. I dont feel like I should have had my vehicle taken during a pandemic, and I dont feel as though this should be on my credit report, as I had no control of the COVID pandemic, or my job shutting down.
11/07/2021	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	MD 21001	Web
On Wednesday XX/XX/XXXX I had went to XXXX in XXXX MD to inquire about a vehicle that was online and had been sold. This is my first time doing anything with credit so I wanted it to be a great deal on both ends which I had explained to sales man XXXX and he guaranteed I would have a great car to start off with. Come to find out I was sold a lemon because within the first two days I was hearing bad noises, had missing lug nuts and wasnt sold what I was promised. Not to mention I was taken advantage of been as though I was told we where checking the range of cars depending on price and I made it clear I was not there to purchase but look and needed to know what I could afford and ended up finding out through credit karma that a hard inquiry was ran. Then I was told to say false info by sales person XXXX such as to finance company that I had test drove a car I didnt even see. At that point I asked to trade in car by Sat XX/XX/XXXX when the engine light came on but XXXX told me hed be able to do it Monday but the car wouldnt start Monday. Due to key battery or car so I was then told that I didnt have all the necessary insurances GAP when it was time to trade in car which definitely rubbed me the wrong way because when I asked questions I was ensured everything would be ok but not guaranteed like they tried to give me the run around and been as though there was no regard for my life which I expressed. I was then given a refund and told that whether trading in or refunding they would be able to remove hard inquiries which I had no idea about until it was done. I found out that was false after multiple times of trying to notify authorized parties such as insurance etc that they couldnt do anything and that I could possibly have hard inquiries that could possibly affect me short term and long term because of this bad deal I was trying to avoid since I was able to have credit just to start and build my credit and life. And this could be a major setback or even worse. I have videos and photos of the vehicles issues its a XXXX XXXX XXXX XXXX XXXX
12/15/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06108	Web	Servicemember
A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice. Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.
10/26/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CT 06704	Web
I purchased a XXXX XXXX XXXX through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying. When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing. I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.
01/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CT 065XX	Web
I, XXXX XXXX, Consumer/ Natural Person am now aware of all rights that I have, and which are protected by Congress under the Fair Debt Collection Practice Act pursuant 15 USC 1692a ( 6 ). It has been brought to my attention and understanding that Sensible Auto, has violated multiple rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant 15 USC 1692b ( 2 ) Sensible Auto communicated with third parties furnishing my personal location information and stated that there was an ALLEGED DEBT violation pursuant 15 USC 1692b ( 3 ). Because of Sensible Autos abusive practices, I have incurred serious injury pursuant 15 USC 1692 ( a ) and 15 USC 1692 ( b ) by having my vehicle removed unlawfully from my property. This has caused me grave danger and put me in financial hardship and caused me mental and physical anguish. Under 15 USC 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand pursuant 15 USC 1692c ( c ) that you cease ALL further communication through ALL and ANY MEDIUM EXCEPT for communication of remedies for XXXX XXXX, the consumer and natural person, via EMAIL ONLY. Pursuant 15 USC 1692, I am invoking specified remedy as the original creditor, and I demand :
03/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 335XX	Web
XX/XX/XXXX amount {$120.00} and XX/XX/XXXX amount {$110.00} and XX/XX/XXXX amount {$110.00} These are the dates that I made payments to my already paid up account the next due date should have been on the XX/XX/XXXX, but instead one representative stated that the payment that was applied on XX/XX/XXXX was applied to principal on my account, then the next supervisor XXXX stated my payment was applied to the interest on my account. In a previous conversation last year when i had paid may account months early they stated that I had to call in to make principal payments. Since XX/XX/XXXX I have been making payments early and have been paid up for months, and interest payments have been taken out all payments. So these people are literally scamming me out of my money because the early payments are not bringing my account balance down and by now I should at least be a {$10000.00} if not {$9000.00}. I want to know where my money is going an being applied or is someone scamming me out of all the money I've put in this car? Also they have no one in this company that are natural born citizens, also they don't have corporate numbers or emails listed to contact anyone in a upper management status.
03/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MA 010XX	Web
I Took out a Loan for a XXXX XXXX XXXX car with almost XXXX on it. The car is not in the best shape and is dying due to old age, I refill it with coolant 2x or more a day along with the AWD system not working and disabling. I pay just shy of XXXX XXXX monthly. When I am done paying for this Loan I will have paid Sensible Auto {$37000.00} on a car that is going to die on me by this coming winter. I am unable to trade it in to get something because of the outrageous balance. The payments are too much to maintain along with trying to fix the issues to keep it running. I am buried in debt and can not afford to have my car repossessed again my credit will never recover and i will never be able to get another car loan. i need to work. I want out of this loan and my down payment back along with this off my credit. Sensible Auto is a shady and predatory company that prays on he less fortunate. I Live in constant fear of my car being taken and the harassing phone calls all day asking for more money. The Balance on the Loan is {$16000.00} and the NADA worth of the car is around {$5000.00} I need out of this car before it dies and I will still owe money on it.
01/06/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 080XX	Web	Servicemember
On XX/XX/XXXX I made an online payment of {$130.00} for my car loan it was meant as an extra payment as my payment is not due till XX/XX/XXXX in the amount of {$63.00} and is set on automatic payments. When the payment was made it changed my next payment being due on XX/XX/XXXX in the amount of {$63.00}, when I called to make an additional principle payment to my loan since the payment I made on the 5th did not go to principle and you can only call to make principle payments, I was told I have a balance of {$52.00} that would need to be payed before I could make any principle payments. They state their system will not allow for a principle payment due to the balance of {$52.00} showing on the account. My account isn't past due and I don't have a payment due till XX/XX/XXXX, so I do not understand why I'm unable to make a principle payment. I feel that are trying to get all the interest on the loan as they can and make it very difficult or nearly impossible to make a principle payment on my loan which is not fair practice to follow. I have never missed a payment and I'm just trying to pay my loan off early and save money.
05/11/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CT 065XX	Web
When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report. I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}. So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!! I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19135	Web
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
06/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01109	Web
After numerous letters mailed, emailing the CEO of the company as well as speaking with a number of customer service reps, trying to get inaccurate information deleted and or updated on my Sensible Auto Lending account, Per FCRA I have the right to request that the account be UPDATED IMMEDIATELY or I can sue said company for No response and false reporting. Universal data on all 3 credit bureaus fail to show accurate information. XXXX and XXXX date reported states XX/XX/21, mean while XXXX date reported states XX/XX/21. XXXX date of last payment states XX/XX/21, meanwhile XXXX XXXX XXXX date of last payment states XX/XX/21. XXXX states a balance of {$9200.00}, while XXXX and XXXX balance states {$8600.00}. While my actual loan balance on the Sensible Auto Lending payment portal states {$8500.00}. XXXX states I have 3, 60 day late payments and XXXX XXXX XXXX states 3, 30 day late payments.
06/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 75228	Web
In 2018 I financed a car with XXXX XXXX. for the past year + I've been paying a company called sensible auto. i have never signed any documents with them nor have i agreed to do any business with them. based on XXXX XXXX i have paid 100 % of this loan. sensible auto has butchered my credit with a loan i never had with them. from XXXX credit score to less than XXXX this company is now telling me that i owe them an additional XXXX per month for XXXX more months. i have asked them for the contract several times and they will not produce one. all i want is my credit fixed back the way it was cause it took time and hard work to get it there and the title to my car it also wouldn't hurt to get back some of my money that they stole from me. This company is finding a legal way to get away with strong arming and robbery.
10/16/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	PA 19050	Web
I have automatic payments that comes out my bank account every Friday since XX/XX/XXXX until XX/XX/XXXX when the loan was supposed to be over. The following week they stole my car out my driveway after i contacted them about my title. I have been calling and no one will help me get my car back. I dont know where to turn. I just paid {$7000.00} on an engine and new tires after the XXXX dealer kept the car for a year so I really did not get to to even have the car after paying for three and a half years. The car company sent me an invoice saying I owe them {$9000.00} to get the car back a week away but now it has been sold at an auction. I dont understand how sensible auto could take a car I paid in full for. Please help me!
03/18/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21001	Web
I have a car loan that is due weekly. I get paid every 2 weeks soon the off weeks of my pay the day after the payment is due the company ( sensible Auto ) will call me 8 times a day some on my phone and some on my spouse, s phone. Even if we talk to them on the phone they will still repeat calling an hour later. My voicemail box is full for the company repetitively calling me and I only owe a little over {$100.00}. I explained to the company numerous times about my pay schedule and they still harass me. They even call me back to back when I'm at work trying to make the money to pay my payment, I have stated this to them and an hour later they call back and act like they are doing nothing wrong
02/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 386XX	Web	Older American
The company listed below A few days ago, I spoke with a representative from Sensible Auto regarding a duplicate payment made on my account. Sensible auto made a payment to another persons account with my banking information. We were told that the funds would be returned. However, the funds have not been returned. Fraudulent transactions information : The payment was made to a different account holder. I live in Mississippi and the payment was made on behalf of an individual in New Hampshire. I have provided pictures below. Office mailing address Sensible Auto XXXX XXXX XXXX XXXX, CT XXXX XXXX Insurance lien holder Sensible Auto XXXX XXXX XXXX XXXX, GA XXXX XXXX Fax ( XXXX ) XXXX
04/15/2023	No	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 086XX	Web
I was sent a 1099C debt cancellation from Sensible auto on account number XXXX. I also have a UCC1 filing on the vehicle file number XXXX and this vehicle is an asset in my trust Account with XXXX XXXX, recently sent a complaint for this company to send me my title and they refused, they continue to try and report debt on my credit report i finally got them removed from all 3 credit bureaus and now I wake up to my car being illegally repossessed!. They took my car and I tried to call them and they wont allow to to retrieve my car or my belongings. I own this car this is not right that I pay it in full bit they have the right to take my car.
04/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : SENSBLAUTO XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
06/08/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NJ 08080	Web
Hello. We, XXXX XXXX XXXX, a used car dealer in NJ paid off a vehicle loan on XX/XX/XXXX and still have not received the vehicle title or XXXX release. We have been leaving messages for the bank since XX/XX/XXXX with no return calls. Bank : Sensible Auto Lending, XXXX Old XXXX XXXX, XXXX XXXX, XXXX CT XXXX Check # XXXX for {$6900.00}. Vehicle we took in on trade and paid off was for XXXX XXXX on a XXXX XXXX XXXX XXXX XXXX. The account number was XXXX. Can someone please help me obtain the title and/or lien release for this vehicle? It is my understanding this bank is now out of business.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I am requesting the account listed below to be removed immediately. Sensible Auto Lending acct : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/24/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AL 36526	Web	Servicemember
In accordance with the SERVICE MEMBERS CIVIL RELIEF ACT. Sensible Auto Lending has violated my federally protected consumer rights to Protection under installment contracts for purchase or lease under 50 USC 3952. Sensible Auto Lending repossessed my vehicle without a court order. According to 50 USC 3952. Sensible Auto Lending may not be rescinded or terminated for a breach of terms of the contract occurring before or during that persons military service, nor may the property be repossessed for such breach without a court order
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 464XX	Web
On my contact it states that I paid credit for my down payment and thats not true, its was a cash transaction of {$1500.00} made to the dealer. This happened on XX/XX/2021. When I signed I was aware that it said credit because the dealership stated to me that it was a put down a cash transaction. After looking over my whole contract everything is fraudulent. I would like the lender to be contact to resolve this issue. I still have the receipt of the transaction made for that day.
11/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	TX 76010	Web
I inquired about a vehicle at a dealership XXXX auto they asked I fill out a credit application of which I did. I never received a vehicle from them and they used my information which is currently appearing on my credit report. I have tried contacting the dealer and they are closed and out of business and Sensible auto also has numerous complaints regarding the dealership criminal and deceptive practices on record from numerous people.
12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76140	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 1 5 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60563	Web
I ask the finance company to not share my personal information, such as my experiences and transactions and they continue to do so without my permission. They lied and said I signed a contract giving them permission to do so. Its no where in my contract and its an invasion of my privacy. Consumer Law 15 usc 1681 A ( 2 ) a1, also 15 usc 6801, and 6802, 15 usc 1681 B. They have broken and violated my consumer rights.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
05/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
Sensible Auto Lending at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, has been sending me collection notices in the amount of {$3500.00}, collection has been reported as past due balance. It is still being reported as 30/60/90 days late from 2016 with comments stating it was affected by natural disasters. It is a direct violation of my rights with FCRA and I will like this collection removed immediately.
04/13/2023	No	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 086XX	Web
Sensible Auto refuses to send me my car title, and Release of Lien for car vin XXXX and Certificate of title number XXXX after car was paid in full and Sensible Auto sent me a 1099C Cancellation of debt under code G giving me full ownership of this car. This car is under a active UCC1 filing ( Meaning I have a lien on this car via the state of NJ ) as well as placed in a Trust account
09/29/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CT 06051	Web
i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car
10/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28217	Web
i had a XXXX XXXX in XXXX XXXX XXXX i was place in a XXXX i offer to pay something to keep the loan update to pay until i return back to work matter fact i paid the car note for 3 month until i got done with XXXX i ask them to sent me a 1099 E because the account is showing up on my comsumer report i just want this company to give a 1099 form because it shows ( profit and loss )
07/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60649	Web
These accounts were fraudulently open in my name I've sent in police report ftc report proof of identification proof of address to the credit bureaus and contacted the creditors and notified them of the identity theft as well I demand these accounts be removed if not already removed from my credit report I do not authorize any third party information on my consumer report
06/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43201	Web
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -SENSIBLE AUTO LENDING # XXXX
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 151XX	Web
Sensible Auto Lending Accont had been sold. In which I didnt sign contract with new lender. XXXX XXXX XXXX took me to court in which I was awarded judgement. I sent court order to credit bureaus and requested deletion of account from reports. Instead my request was not honored and is going against consumer laws.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
This account, sensible auto lending, is a charged off account that is reporting only in one bureau which is really inaccurate. The fact that it is only reported in a single bureau is really bothersome. Please help me get this removed from my report.
03/16/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02720	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
06/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19146	Web
I entered in contract with Sensible Auto and XXXX on XX/XX/XXXX XXXX. I got my credit ran, received a finance charge but was not properly explained how its the sum of all my charges so they took my down payment of {$3800.00} which is fraud.
04/14/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06451	Web	Servicemember
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46360	Web
My credit report shows a late payment for the month of XX/XX/2022 from sensible auto my finance company. This late payment dropped my credit score almost XXXX points, so i checked and i never went 30 days without making a payment.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08105	Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
03/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 075XX	Web
Our state is on lockdown, we are out of work and sensible auto will not push payments back far enough to catch up after this is over. How are we supposed to make money when the workforce is shut down??
05/01/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web
I have not supplied proof under The doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
01/17/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28226	Web
Ive reached out to the company numerous times Ive never had a car loan with sensible auto and its in my credit report Ive sent them documentation that I was a victim of identity theft.
01/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22554	Web
My interest rate is 23 % my total loan is XXXX $ my 1st month payment was XXXX $ but for some reason im being told XXXX $ is going to my principal balance!!
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60649	Web
These accounts was fraudently opened in my name they are closed accounts I'm uploading proof of identity theft and police report with proof of identity
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33460	Web
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you
08/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06114	Web
I paid off my car note in full however the account is still showing up as late on my credit report
10/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	PA 190XX	Web
This auto loan was opened while I was in Bankruptcy XXXX XXXX without my knowledge or approval,
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 460XX	Web
I have several inquiries on my report that I did not do ; I sent letters and no reply.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 210XX	Web
COMPANIES tried to run my credit with out my authorization please remove inquiries
01/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06606	Web
Debt is in litigation and should not be on credit report.
01/29/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CT 06516	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	VA 23223	Web

12/06/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 75126	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06051	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95449	Web

11/09/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CT 06513	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95449	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19145	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60657	Web

06/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21206	Phone

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15003	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27834	Web

04/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CT 06472	Web

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36502	Web

03/20/2023	No	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19934	Web

02/09/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28262	Web

01/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 07039	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AK 99801	Web

10/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44120	Web

09/23/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CT 06078	Postal mail

08/20/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78664	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19152	Web

07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60160	Web

06/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60629	Web

05/25/2022	No	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CT 06410	Web

04/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19132	Phone

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web

01/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

10/11/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MA 02459	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02720	Web

06/08/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 28214	Web

11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44030	Web

10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CT 06512	Web

06/22/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Phone

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06511	Web

05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

05/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

04/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34758	Referral

06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32810	Web