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Business Profile

Auto Financing

Sky Auto Finance

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Auto Financing.

Complaints

Customer Complaints Summary

  • 5 total complaints in the last 3 years.
  • 3 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/04/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am filing this complaint against Sky Auto Finance for unethical practices related to my auto loan and their intentional obstruction of my attempts to resolve my account.While I was hospitalized for an extended medical emergency, I fell behind on my vehicle payments. During that time, Sky Auto Finance changed their contact information including their website and phone number without notifying customers or updating the public. This made them completely unreachable during a critical time.After I was discharged from the hospital, I was finally able to locate updated contact information for Sky Auto Finance and reached out to request a 10-day payoff letter so I could pay off my loan using available resources. They refused to provide the letter, effectively blocking me from paying off my loan while the funds were still available.Additionally, I later discovered that Sky Auto Finance had initiated repossession actions on my vehicle without notifying me or giving me a clear opportunity to resolve the matter. At this time, I still do not know my current payoff balance, and I remain unable to access my account through their website or customer service.I am requesting *************************** be required to provide my full loan payoff details An investigation be launched into their refusal to provide standard account documentation Their practice of altering contact access during the loan period be reviewed for fairness and consumer impact My complaint be formally documented to protect other consumers from similar treatment I made every reasonable effort to fulfill my financial obligations, including trying to pay the loan off in full. Their obstruction and lack of transparency have caused me undue stress and financial disruption.Refusing to give a 10-day payoff violates your rights under:Truth in Lending Act (15 U.S.C. 1638 & 1639g)****-***** UDAAP protections (12 U.S.C. 5531)Florida Statute ******

    Business Response

    Date: 06/17/2025


    Sky Auto Finance LLC
    ************************************************


    June 16, 2025

    Ms. Lynedra G
    Better Business Bureau ***************** Via email: *******************************************************************

    RE:         Complaint Number: ******** Consumer Name: **** *****

    To Whom It May Concern:

    In response to the complaint referenced above, Sky Auto Finance LLC (Sky) responds as follows:

    Sky was experiencing system conversion issues at the time of Mr. ****** request for payoff information and thereafter. These issues have been resolved.

    Sky has entered into a settlement agreement with Mr. ***** whereby his requests under the Desired Settlement in the complaint have been satisfactorily addressed between the parties. As part of the settlement, Mr. ***** has indicated that he will rescind the complaint.

    We believe this issue to be resolved. Please contact me if you receive any correspondence from Mr. ***** to the contrary.



    ******** *******
    Contracts Manager Sky Auto Finance LLC

    Customer Answer

    Date: 06/26/2025

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    **** *****

  • Initial Complaint

    Date:09/04/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    In the beginning process of filing for bankruptcy as a courtesy I made company aware of the pending chapter 13 filing. In response within days they repossessed the vehicle they advised of the potential repossession I did not receive any notification. I received mail after the repossession. And a message I returned their call and there was no message of the repossession. I have reached out to the company numerous times to resolve the balance. The vehicle is my daughters but it is in my name. The refuse to return calls or emails and when I do call I speak with representatives that just relay the message they demanding full payment including ridiculous fees on top of the principal and agreed upon interest. I made the company aware that I never received a copy of any documents from their office and they continued to just disregard. I spoke with an agent and provided the bankruptcy filing number in all other information they requested only to be told there's notes from the supervisor it doesn't matter if there's bankruptcy filed they are moving forward with selling my asset. I have voiced to the numerous **** I spoke with that I am fully aware of the amount due and intend on paying the correct amount but they are demanding almost double. I have asked to speak with somebody who understands the bankruptcy litigations and that is able to negotiate in the best interests of both the company and myself. I have yet to receive a return call. I also tried to explain to the company that if the vehicle is sold correctly the return would be a lot more and it would be unjust for them to sell it for what I owe and again they refused to hear it. Lastly when the repossession was taking place my teenage daughter told the gentleman my mom is at work she asked that you leave the property and deal with her directly regarding the pending bankruptcy the gentleman ignored the demand and basically bullied my daughter and ended up with possession of the vehicle

    Business Response

    Date: 09/12/2024

    Please find attached our response to this complaint.

  • Initial Complaint

    Date:08/07/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My truck got repossed they sold it on 9/15/2024. When I call them and try speak to them call drops keep calling finally someone picks yp.i ask him about my deficiency letter and over payment that due to me all they say they account has been paid but we don't know what your difference is.When I called they told me what it sold for and that account gas been paid in full. All they keep saying 3 weeks I call within the 3 weeks to see status another representative says another 3 week. If they sold vehicle they have 7 to 10 days to send deficiency letter and payment not sure why they keep stalling and claim they can't see what difference is.

    Business Response

    Date: 08/20/2024

    Please see attached.

  • Initial Complaint

    Date:05/14/2024

    Type:Order Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My name is ****** the owner of Diamond Cut Autos in *************** ** We took a vehicle in on trade the vehicle had a title loan on it, From the finance company known as Sky Auto Finance the lien was paid in full on 04/25/2024 (letter attached) the lien still has not been released to date we have contacted the finance company multiple times they say they are working on it however an electronic lien is released within in days we are coming up on 20 days and the lien still has not been released please help us resolve this matter

    Business Response

    Date: 06/11/2024

    This was emailed twice to Ms. ******* G.  Please see attached our Response.

     

    Business Response

    Date: 06/11/2024

    This shows the Release of lien from ******* ELT.

  • Initial Complaint

    Date:11/22/2023

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I HAD A TITLE LOAN WITH THIS COMPANY AND PAID ALL OF MY FEES. THE ***** FEES EQUALS THE FULL LOAN AND INTEREST. AFTER SUBMITTING MY FINAL PAYMENT I WAS TOLD I STILL OWED OVER $600 FOR A VDC PAYMENT WHICH WAS ALREADY INCLUDED IN MY LOAN AMOUNT HOWEVER WHILE BEING SICVK AND OUT OF WORK THE COMPANY ACCEPTED $300.00 FROM ME SAYING THIS AMOUNT WAS FOR THE **** AFTER CAREFULLY REVIEWING MY RECIEPTS AND GOING BACK OVER MY LOAN CONTRACT I REALIZED THEY WERE PAID IN FULL. I WAS TOLD A "FAVOR" WAS DONE FOR ME BY CLOSING OUT THE LOAN AND NOW I HAVE NO LIEN HOLD. ONE DAY I CALLED AND WAS TOLD BY A REPRESENTATIVE THAT I WAS OWED $190.81. THIS INFORMATION WAS NEVER TOLD TO ME BUT IF YOU REVIEW MY PAYMENT CYCLE ALL PAYMENTS WERE MADE DOWN TO THE DOLLAR. LOOKING AT THE RECIEPT BEFOR MY FINAL PAYMENT THE BREAKDOWN IS THERE. I HAVE BEEN CALLING ALL WEEK AND I KEEP GETTING TOLD THERE IS NO SUPERVISOR AVAILABLE, I HAVE TO EMAIL THEM MY PROOF THAT I OVER PAID YET THEY DID ME WRONG. I WAS TALKED DOWN TO LIKE I WAS A CHILD AND I AM NOW OVER IT. THEY WILL THREATEN TO REPO YOUR CAR IF YOU DONT PAY THE LOAN AND CALL NON STOP BUT WHEN THE ***** IS ON THAT END THEY DONT WANT TO SPEAK. I WANT MY MONEY NOW NOT IN 7 BUSINESS DAYS BECAUSE THEY SNAG THAT MONEY FROM CLIENTS ASAP WHEN YOU CALL WITH YOUR BANK CARD. I WILL NEVER DO BUSINESS AGAIN WITH THEM AFTER THE DEMEANOR I ENCOUNTERED TODAY AND BECAUSE THEY DID WRONG. I READ REVIEWS ABOUT THIS HAPPENING TO OTHER CLIENTS AND I HAD NO REAL ISSUE UNTIL NOW. I WANT THEM TO PAY ME AND REMOVE MY INFO FROM THE DATABASE THEY HAVE. I AM INCLUDING MY CONTRACT AND PROOF OF MY PAYMENT CYCLE.

    Customer Answer

    Date: 11/29/2023

    Paid in full. Thanks

    Business Response

    Date: 12/20/2023

    Please see the attached response.

Sky Auto Finance is NOT a BBB Accredited Business.

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