Customer ReviewsforSensible Auto Lending, LLC

My auto loan was sold to this company without my knowledge. I have made every payment on time and even worked with them on making back to back to back payments when their system got behind from when they purchased my lien. In September of '23 a payment was not taken from my banking account and when i looked at the app my bank information had been removed without my knowledge. Since then i have had automated or office calls every single day to get the missed payment that was caused by their system. I have had family medical issues and even found my mother deceased in her room and have explained this to multiple members of their "customer support" and they are still charging me late fees and refuse to work with me.

The borrower had recurring payments scheduled to debit every two weeks. The payment scheduled for 10/6/2023 declined and the recurring payment schedule was removed the following day. Customer Service attempted to reach the borrower to prevent late payments, but have been unsuccessful. On 10/20/2023, the borrower set up a promise to pay through the mobile app for 10/21 which was successful. On 11/28/2024, Customer Service contacted the borrower to advise of the missing payment, but the borrower disconnected the call. The borrower has continued to make payments via the mobile app, but the payments are 14 days past due. The last fee was charged on the account was on 2/24/2023.

The last late* fee was charged on the account was on 2/24/2023.

Do not get a loan or lease through this lender. In my experience and with reading these reviews this is not a good company at all. They are not even BBB accredited which is a big red flag that the company isn't even that good. They charge close to $100 in late fees if I'm not mistaken regardless they charge latest fees that are high. They do not reason with customers and it seems to be hard to reach management. I have sent multiple emails which was ignored. I have sent a packet to corporate office with legal documents and tender of payment, which was ignored. This debt was already discharged with the IRS ( which was in the packet). The company is trying to do fraud against me by trying to get me to pay double it seems. All I get is automated emails and calls to collect payment. I had already sent in payment and copy to another PO box that receives payment. Everytime I tell a customer service this, they just say nothing was received even though I have proof through certified mail my packet was received by the green card. That is mail fraud if someone in the corporate office tampered or ignored my mail sense it was a payment In there. They are violating my rights due to ****************** Act and not being in compliance with the Indentured Trustee Act of 1934-1939. Also they are violating my right under the fair credit reporting act and privacy act of 1974 due to the fact that I sent in a letter opting out to reporting my info with the credit bureaus (which was in that packet). I have been going through mental frustration and headaches all to settle this matter to pay off a loan. Read before you sign on the dotted line people and know your rights. I hope in good faith this company fix this matter.

A member of management contacted the borrower today, 6/26/2024, to help resolve the borrower's complaint. The borrower is aware that the loan must be paid in full in order for Sensible Auto to release the lien on the vehicle and send the title. It was also confirmed that the borrower did not mail in the payoff check as mentioned in her previous complaint.

I am really concerned that a purchased that I purchased a car through this lender. In the beginning, when my loan was on auto pay, I had no trouble because I didn’t have to speak with them. The first time I called to have an interaction with them was on the six month of my loan where I wanted to Postpone my auto pay date to a different day. That interaction was horrible. I spoke to a representative that told me that I actually didn’t even have a payment coming up and that there was nothing he could do. Days later, I had to speak to a manager on the education of the representative that took my call previously. There was a payment due! The representative that took my manager request was very rude, and luckily the call was recorded on the miseducation from the two previous reps before I even got to a supervisor. The rep was saying that a supervisor would call me back because there wasn’t one available. It actually took me two phone calls to actually get a manager to call me. Once that issue resolved itself, I felt less confident with this lender. But I have the car so I have to continue paying. I took off auto pay due to the miscommunication. I had a bit of a situation The next month, where I was a few days late paying for my original date. I received a text message reminding me that I needed to pay before I received a late fee. I called immediately to get it paid so I would avoid that late fee and was yelled at. The rep actually called me irresponsible, not knowing my situation and began to yell at me. I had to shut the phone call down and remind him that it was being recorded. I asked to speak to a supervisor immediately. I was transferred to one, but still stated that I had to wait on another manager to call me back by Monday. Mind you I have never been late on a payment by not even one day ! I’m not sure if this lender is a bank or a personal person. But I do believe this institution needs to get investigated on how they’re doing business practices.

Hi ******** We appreciate you taking the time to share a review. We strive to provide exceptional service to all our customers and take your feedback very seriously. We will review this issue with our team and take steps to improve our communication and support. Thanks, Lillian R

After they approved my wife and we paid the down payment. They had the dealership call us 5 days later to tell us they revoked the auto loan and made us return the car crazy. And the dealership did not even tell us sensible was the loan place because i would have refused the loan and go somewhere else. Reading all these reviews tells a telling story about this company being scammers. And i do feel as they make up stories on here to try to deescalate many of the reviews. I do believe each person here has fallen victim to their scams including myself. Whom already has a current load with them on another vehicle and i have paid and made a lot of double payments to change my billing cycles doing what they have told me to do and they have been trying to repo my car. This business is the worst of the worst. They hang up in your face and they make things up i am surprised they have not gotten a lawsuit that involves everyone that have loans with them. But i am going to contact the general attorneys office to see how we can.

The borrower and co-borrower signed a Retail Installment Contract agreeing to pay weekly. The loan is currently behind five weekly payments which needs to be paid prior to changing the bill cycle. Please feel free to contact Customer Service at ************ for further assistance and/or questions related to this matter.

My car has been paid off for three weeks and they have yet to send it to me so i can get a new car. I’ve called and they never answer my questions and they say something different every time. I just want my title because i need a car. This is beyond ridiculous.

Sensible Auto released the electronic lien. Please be advised that the title will be mailed to the borrower directly from the DMV; ***** usually takes up to 4 weeks.

Sensible really doesn’t want to know what I think……. Ok, stop sending repo notices to people who have never been late on payments , and have proof of such…….

After further review, Sensible Auto did not mail the borrower a Notice of Repossession. On 4/11/24, Sensible Auto mailed a Right to Cure Notice to the borrower due to two missed payments, 3/29/24 and 4/5/24. The account was 13 days past due. However, the borrower processed a mobile payment bringing the account current that same day. On 4/23/24, the borrower called in regarding the notice and was advised to disregard.

I called them multiple times in 2020 to come take my vehicle away because it was a lemon and they refused to I stopped paying for it because I couldn't drive it finally after 3 months they sent a report guy and after it went to auction they never sent the remaining balance that was owed on it and they sold the contract to an other company never sent me a notice that they did it and sued me and won now I owe more the I was paying on the shit they sold me don't use this company for anything

The borrower contacted Sensible Auto on 3/12/2020 to request a voluntary repossession. The request was submitted on 3/13/20 and the vehicle was repossessed on 3/24/20. On 6/24/20, the vehicle was sold at auction and a Statement of Sale was mailed to the borrower's home address on 6/30/20. On 6/29/21 and 6/29/22, the borrower was mailed a Charged Off Letter to settle the account. On 9/6/22, the account was sold to ******** ******** ****

This company has called me multiple times, attempting to reach another individual I have attempted to tell them each time I am not that person. As soon as I talk to a live individual they hang up on me.

A member of management will be contacting you via email to get this matter resolved. We appreciate you taking the time to share a review, and strive to provide exceptional service to all our customers.

HORRIBLE CUSTOMER SERBICE. yOU CANT MAKE A PAYMENT WITH VYSTAR. MY LIEN WAS NOT RELEASED UPON PAYOFF

The lien was not released because the loan is not paid off as of yet. We have multiple payment options which include payments by phone, IVR, online, and PayNearMe. We also accept money orders and certified checks. If you have any further questions, please feel free to contact us at ************* Thank you

I have paid my bill on time every time for years. I have never had to pay a “convenience charge” for paying through their website, or over the phone , they snuck it in on me this week and said , well if I had auto pay it wouldn’t charge me … is this legal ? I have never had to pay a fee now I do , that is a change of my contract

The borrower can avoid the convenience fee by setting up autopay or by processing a payment using an ACH. For further assistance, please contact us at *************