Complaints

This profile includes complaints for AutoPayPlus by US Equity Advantage's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  AutoPayPlus by US Equity Advantage

  800 N Magnolia Ave STE 1275 Orlando, FL 32803-3255

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  AutoPayPlus by US Equity Advantage

  Winter Park, FL 32789

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.

• Initial Complaint

  Date:09/25/2026

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 bought a car through REMOVEDand agreed to a bi-monthly deduction to pay for my car loan. I did not realize I was signing up for a third party service Autopayplus. I realized it was a third party when a day or so later I received a text and email from Autopayplus indicating I needed to call them to finalize setting up my account.I immediately contacted them and said I wanted to cancel. They wouldn't let me cancel via email so had to call them. They they cancelled the account, but never said anything about a charge to my bank account (I had provided to dealer thinking it was Kia REMOVEDA day or so after that I noticed a $2.99 charge to my bank account. I sent an email asking them to refund as I had cancelled my account and had actually never even used the service. The response I got was that it was a non-refundable charge because it was a verification fee to ensure my account was active.Every other company does a test with a couple of cents into and out of account to verify - I've never heard of charging someone. I asked again for a refund as I never used their services and they never responded. I understand it is a small amount of money but I feel it is very deceptive and they never should have gone through the verification process if as they said I still had to complete set up of my account with a phone call.

  Business Response

  Date: 09/30/2026

  To Whom It May Concern:

  
  AutoPayPlus reviewed REMOVEDconcerns regarding her enrollment, subsequent cancellation, and the $2.99 account verification fee. Our records confirm that Ms. REMOVEDelectronically signed her AutoPayPlus enrollment on August 27, 2026, and her account was established the following day.

  
  On August 31, Ms. REMOVEDcontacted AutoPayPlus and advised that she did not wish to continue with the service because she had not understood at the dealership that AutoPayPlus was a third-party payment service. Her account was placed on hold that morning and cancelled later that day. A cancellation confirmation was provided, and no AutoPayPlus loan payment was processed or sent to her lender.
  

  The $2.99 charge referenced in the complaint was associated with the bank account verification performed as part of the enrollment process. When Ms. REMOVEDlater requested reimbursement; she was advised that the verification fee was considered non-refundable because the verification had already been completed.
  

  We understand, however, that Ms. REMOVEDcancelleds. promptly after recognizing that AutoPayPlus was a separate service and that she did not ultimately use AutoPayPlus to make a payment to her lender. Consistent with our commitment to doing the right thing and caring for the members we serve, AutoPayPlus will refund the $2.99 as a gesture of goodwill. This resolution is being provided to address Ms. REMOVEDconcern and does not alter our records regarding the authorization or purpose of the original verification charge.
  

  Ms. REMOVEDAutoPayPlus account remains closed, and no further debits will be initiated under this enrollment. We appreciate her bringing the matter to our attention and believe the refund directly addresses the resolution she requested through the Better Business Bureau.
  

  Sincerely,
  

  REMOVEDP. REMOVED
  Senior Director of Operations
  AutoPayPlus

• Initial Complaint

  Date:08/28/2026

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 because I have been having ongoing issues with payments being made through Auto Pay Plus for my vehicle loan since June 2026.We have been using Auto Pay Plus for approximately a year and have consistently followed our established payment arrangement. However, REMOVEDhas recently been showing payments as late, even though we have proof from REMOVEDand Auto Pay Plus showing that the payments were withdrawn from our account.This has caused a major issue because REMOVEDinitially sent us an incorrect late notice, and we have spent nearly an entire month trying to determine why our payments are being treated as late.I need Auto Pay Plus to explain exactly when our payments are being withdrawn, when they are being processed, and when they are being sent to FNB. I also want to know whether there have been any delays, processing issues, or other problems with our payments that could explain why REMOVEDis showing them as late.We have done everything required under our payment arrangement and have documentation supporting our payments. I am asking Auto Pay Plus to review our payment history and provide a clear explanation of what is happening.This situation is extremely concerning because it has now resulted in conflicting information between Auto Pay Plus and FNB, and I do not want a payment-processing issue to negatively affect my account or credit.

  Business Response

  Date: 09/04/2026

  AutoPayPlus reviewed Mrs. REMOVEDconcerns regarding the timing of payments to REMOVED(REMOVED). Our records confirm that the payment due July 10, 2026, was processed and mailed to FNB on June 30, 2026, ten days before the lenders scheduled due date. The payment was issued by check #REMOVEDin the amount of $432.52. Although AutoPayPlus sent the payment on June 30, the check was not negotiated until July 27, 2026. The records currently available to us do not establish what caused the delay between the date the payment was mailed and the date it was negotiated.

  On August 31, 2026, an AutoPayPlus Operations Manager contacted Mrs. REMOVEDdirectly to discuss her concerns and review the payment timing with her. During that conversation, we confirmed that AutoPayPlus has been submitting her lender payments approximately ten days before their scheduled due dates. Mrs. REMOVEDacknowledged that the concern appears to involve the lenders processing or posting of the payments after they are sent and expressed appreciation for our follow-up. Mrs. REMOVEDalso advised us of late notices and potential fees associated with the payment timing. We have asked her to provide documentation of any late fees so they can be reviewed and addressed. If REMOVEDassessed a late fee related to a payment AutoPayPlus timely sent, we will first request that the lender waive the fee. If REMOVEDdeclines to do so, AutoPayPlus will cover the late fee. If any derogatory credit reporting associated with these payments is confirmed, we will work directly with Mrs. REMOVEDand REMOVEDto have the matter resolved.

  AutoPayPlus has also initiated the next step of working directly with Mrs. REMOVEDand FNB. We provided Mrs. REMOVEDwith a callback scheduling option so that we can contact the lender together, review the payment history, and determine what caused the delay between AutoPayPlus sending the payment and FNB posting it. We will also provide REMOVEDwith documentation confirming that the July 10 payment was mailed on June 30.
  As an additional precaution, we have moved Mrs. REMOVEDpayment processing schedule two days earlier going forward. While our records demonstrate that her payments were already being sent in advance of the lender due date, this adjustment provides additional time for delivery and lender processing while we work to determine the cause of the issue.
  Once the lender review is completed, AutoPayPlus will work with Mrs. REMOVEDand REMOVEDto address any remaining verified financial or credit-related impact. Our objective is to ensure that Mrs. REMOVEDis not financially disadvantaged by a payment AutoPayPlus sent to her lender before its scheduled due date.
  

  For more than a year, AutoPayPlus has made 14 payments to FNB on Mrs. REMOVEDbehalf, and we value the trust reflected in that continued relationship. We are committed to working with Mrs. REMOVEDand REMOVEDto resolve any verified remaining issue and ensure this matter is brought to an appropriate conclusion.
  

  Sincerely,

  REMOVEDP. REMOVED

  Senior Director of Operations

  AutoPayPlus

  
  

  Customer Answer

  Date: 09/04/2026

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID REMOVED, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  REMOVED-REMOVED

• Initial Complaint

  Date:04/21/2026

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 set up an account for my auto to be paid. They took $264 on my account which they never sent to the REMOVEDdealer, and they were supposed to return a check to me which they never returned to check to me. I asked multiple times when I'm going to get my money, I have no answer, they so constant they stopped to check but still never received my money. I would like to resolve this. I would like to have my money we put back into my account because the money was never put on the REMOVEDaccount.And it was never returned to my REMOVEDwhere's my money sitting

  Business Response

  Date: 04/27/2026

  Dear Better Business Bureau,

  AutoPayPlus has reviewed the concerns submitted by Ms. REMOVEDregarding the status of her refund. Our records reflect that we contacted Ms. REMOVEDon April 23, 2026, to address both her account cancellation and the pending refund following receipt of her BBB complaint on April 21, 2026.

  At the time of that outreach, the members account had been previously canceled, and the applicable refund was electronically processed on April 23, 2026. The refund was issued via REMOVEDto the verified banking details on file. Based on our review, the requested refund has been completed. Should Ms. REMOVEDhave any additional questions; our team remains available to assist directly.

  Sincerely,
  
  Amilcar REMOVED |  Senior Director of Operations

  
  

  Customer Answer

  Date: 04/28/2026

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID REMOVED, and find that this resolution is satisfactory to me.

   

  They resolve the issue
  
  Sincerely,
  
  REMOVED

  
  

• Initial Complaint

  Date:03/07/2026

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On January 12, my wife and I purchased a new vehicle after our family vehicle broke down and the repair cost exceeded what we still owed. During financing, we were asked if we wanted to enroll in automatic payments. We agreed because we believed the payments would be processed directly through the financing bank. Instead, on February 13, our account was debited $966.51 by REMOVEDPlus, a third-party company. Once we realized this, we immediately called to cancel. We were told the payment would still be forwarded to the bank.That information was incorrect. When the payment had not posted by the day before it was due, my wife called again and was told that because the AutoPay Plus account had been closed, the payment could not be sent to the bank. Instead, we were told a refund check would be issued in 10 to 14 days. Because that would have caused us to miss our vehicle payment, I called and explained that we needed immediate reimbursement. I was told the best they could do was overnight the check.The check did not arrive the next day as promised. On March 3, with our vehicle account now past due, I called again and was told the check had not actually been expedited, but that another check would be expedited correctly this time. Later that same day, however, the original check arrived. We deposited it on March 5 and made our payment to the bank on March 6. That same day, we also received the second check, which we threw away because it was no longer needed.Then, at about 10:00 p.m. on March 6, we were notified that AutoPay Plus had cancelled the original check after it had already been deposited, overdrawing our account by more than $900. We are requesting immediate correction, reimbursement of any fees, and confirmation that no further action will harm our finances.This has been an absolute nightmare, and confirmed we were right in not wanting to work with AutoPay Plus.

  Business Response

  Date: 03/13/2026

  Dear Better Business Bureau,

  AutoPayPlus appreciates the opportunity to respond to the concerns submitted by Mr. Geovante REMOVEDWhile we regret Mr. REMOVEDfrustration, our records confirm the transaction and refund were processed consistent with the authorization he provided at the time of enrollment. AutoPayPlus functions as a third-party payment processing service that assists members in managing their loan payments.

  Our records reflect that Mr. REMOVEDenrolled in the AutoPayPlus service on January 12, 2026, and provided an electronically signed ACH authorization permitting debits from the designated bank account. A payment in the amount of $963.52 was processed on February 13, 2026, consistent with that authorization. Later the same day, Mr. REMOVEDcontacted AutoPayPlus to cancel the service. Because the debit had already been initiated, the transaction could not be stopped. The account was cancelled the same day, no payment was sent to the lender, and a refund for the debited amount was initiated.

  The initial refund check was issued on February 25, 2026. After Mr. REMOVEDadvised that the refund had not been received, a replacement check was issued and sent via FedEx overnight on March 4, 2026 (Tracking Number 889302479767). Mr. REMOVEDsubsequently received and negotiated the original check issued on February 25; however, because a stop payment had already been placed when the replacement check was issued, the transaction was returned by the financial institution. Mr. REMOVEDlater advised that the replacement check sent via REMOVEDhad been discarded. To resolve the matter, AutoPayPlus issued an additional refund check (USEA2 REMOVEDCFSB Check #REMOVED), which our records confirm has been received and is being processed by his financial institution.

  Lastly, on March 12, 2026, I contacted Mr. REMOVEDto follow up regarding his complaint and apologized for the inconvenience he experienced. During that conversation, I advised him that I would send a follow-up email requesting documentation of any bank fees incurred so that AutoPayPlus may review and reimburse any applicable fees. Mr. REMOVEDacknowledged the outreach and indicated he would respond with the requested information. Although Mr. REMOVEDelected to cancel the AutoPayPlus service; we remain committed to supporting our members and welcome the opportunity to earn his business again in the future.
  

  Sincerely,
  
  REMOVEDP. REMOVED
  Senior Director of Operations
  AutoPayPlus 

  
  

• Initial Complaint

  Date:11/13/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 have went to Conicelli Auto Credit on October 10th, 2025 for a vehicle. At the time, I have a open Bankruptcy (Chapter 7), and the dealership informed me that they could assist me in getting a vehicle. After going through the entire process of the financing process, I was able to get a vehicle. As I was under stress of getting a vehicle since I had to surrender the previous vehicle I had during Bankruptcy, I was left with very little options. During the signing process, I feel that I was pressured to sign through the documents, not giving me much time to view the documentation. Once I gotten the vehicle, there were issues with the Financial lender that was selected, REMOVEDand after several days, I was suddenly "approved." From there, I was able to drive the vehicle without worry. After receiving an update on my due date from REMOVEDI also got this strange charge from a company named AutoPayPlus, and I was unsure on who this company was. I submitted a report to my financial institution and reported this organization.After viewing documentation from my vehicle purchase, I began to thoroughly view this document, that was from this organization named AutoPayPlus. From what I read, it appears that I am being double charged by this company, and then REMOVEDas well - who is the original lender. I did request from AutoPayPlus to cease attempts to access my banking information, and had my banking information changed to avoid any issues, as I have NOT authorized this company to do any transactions on top of the payments I am making to my Loan with REMOVED. I am requesting an investigation be launched against practices of THIS COMPANY, as I feel that they did not treat me with fair practice, and rushed me to doing a deal that I did not have the opportunity to understand.

  Business Response

  Date: 11/18/2025

  AutoPayPlus takes member concerns seriously and conducted a full review of Mr. REMOVEDaccount, enrollment documents, communications history and debit/ledger activity. Based on this review, the information below reflects the factual sequence of events.
  
  Enrollment Authorization:
  Mr. REMOVEDenrolled in AutoPayPlus at the dealership on October 10, 2025, through a standard dealership-facilitated process. The dealership submitted a signed enrollment form by Mr. REMOVEDwhich included:
  * The REMOVEDDebit Authorization
  * Program fees and disclosures
  * Authorization for AutoPayPlus to debit his account in accordance with the program
  * Acknowledgment that he had read, understood and received a copy of the agreement
  
  This document serves as the formal written permission for AutoPayPlus to initiate debits under the program guidelines. AutoPayPlus does not permit dealers to represent the program as mandatory, nor is enrollment ever a condition of financing. Participation is always voluntary.
  
  Communication Attempts:
  Following enrollment, AutoPayPlus made multiple documented attempts to welcome REMOVEDand review his upcoming schedule:
  * 10/24 & 10/29 Outbound welcome calls attempted. Each attempt reached a line with constant beeping, no answer, or no available voicemail.
  * 11/1 Welcome Email sent, including portal login instructions.
  * 11/4 Text notification sent regarding the upcoming first debit scheduled for 11/14/25.
  
  Mr. REMOVEDdid not contact AutoPayPlus with any questions or concerns until 11/13/25,after filing a BBB complaint.
  
  Billing & Double Charging Concern:
  AutoPayPlus attempted two debits, both of which were returned by his bank:
  * 10/30/25 $2.99 Verification Fee ? Returned R10 (Customer Advises Not Authorized)
  * 11/14/25 $608.70 First Scheduled Debit ? Returned R03 (No Account)
  
  Because his debit returned on 11/14, AutoPayPlus canceled the corresponding outbound payment to his lender. No successful debits were ever processed and no funds were ever forwarded to REMOVEDon Mr. REMOVEDbehalf. The lender, REMOVEDcontinued to withdraw its normal monthly vehicle payments. This activity is entirely separate from AutoPayPlus and does not indicate double charging.
  
  Account Status:
  Per REMOVEDwritten request on 11/13/25, AutoPayPlus:
  * Placed the account on Hold
  * Stopped all future debit attempts
  * Closed the account on 11/17/25
  
  No further action or charges were taken after cancellation.
  
  Conclusion:
  AutoPayPlus acted in accordance with the signed REMOVEDDebit Authorization, standard program procedures and all applicable payment rules. While no errors occurred in processing, we acknowledge that Mr. REMOVEDmay have benefitted from a completed welcome call to further clarify the program benefits. AutoPayPlus remains committed to providing clear, timely communication and appreciates the opportunity to address and resolve member concerns.
  
  Sincerely,
  
  REMOVEDP. REMOVED
  Sr. Director of Operations
  AutoPayPlus

• Initial Complaint

  Date:10/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  This business took $532 from me for a service I did not authorize from the dealership. They now will not refund the money even though the account is closed.

  Business Response

  Date: 10/17/2025

  To Whom It May Concern:
  
  After reviewing REMOVEDexperience, AutoPayPlus wishes to provide clarification and outline the corrective actions taken to resolve his concerns.On October 10, 2025, AutoPayPlus received a debit of $532.00 from Mr. REMOVEDaccount associated with the service authorized through his dealership. Mr. REMOVEDlater contacted us to request cancellation and a REMOVEDexpedite the process, we requested a copy of his bank statement confirming that the debit had successfully processed. Mr. REMOVEDinitially provided a statement; however, it reflected the transaction as pending. In accordance with our internal refund policy and banking procedures, AutoPayPlus must verify that a debit has fully cleared before a refund can be issued to prevent duplicate transactions or charge reversals.
  
  I personally spoke with Mr. REMOVEDto confirm that his refund will be mailed on October 17, 2025. During our conversation, he expressed frustration regarding the repeated request for documentation, and I clarified the reason for our verification process. Mr. REMOVEDalso mentioned that one of our team members had spoken to him in a discourteous manner. I assured him that the call will be reviewed internally and that appropriate action will be taken, as AutoPayPlus values every member interaction and strives to always provide a professional and respectful experience.
  
  For over 20 years, AutoPayPlus has proudly served tens of thousands of members nationwide.Our continued success is built on integrity, innovation, and care, ensuring every member receives the highest standard of service and REMOVEDconsiders this matter resolved as the refund has been approved for mailing. We remain available to address any additional questions or concerns Mr. REMOVEDmay have.
  
  Sincerely,

  REMOVEDP. REMOVED
  Senior Director of Operations
  AutoPayPlus

• Initial Complaint

  Date:10/10/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 was 'offered' a refinance at 4.98% and an 8 month extension to reduce my current loan by a few hundred monthly. A hard inquiry was filed, then they called and said they haven't offered those rates in years and that they could do just under 8%, but it would extend the loan 64 months.Bait and switch.

  Business Response

  Date: 10/10/2025

  To Whom It May Concern:
  
  We are responding to the above-referenced complaint submitted by REMOVEDinvestigating our systems, we can confirm with confidence that Ms. REMOVEDhas no account, application, or service history with AutoPayPlus. It appears this complaint is the result of a misunderstanding involving a separate company, likely REMOVEDor a similar loan solicitation business, which is entirely unaffiliated with our organization.
  
  AutoPayPlus does not offer or advertise refinancing, credit approvals, or interest rate incentives of any kind. We do not conduct credit checks, nor do we trigger hard inquiries. Our services are strictly limited to providing structured,automated bill payment solutions, allowing consumers to streamline and manage existing loans and recurring obligations through predictable ACH transactions.We do not originate or refinance loans. To ensure the matter was addressed directly, I personally contacted Ms. REMOVEDat the number listed in the complaint. I explained that AutoPayPlus was not involved in the activity she described. Ms. REMOVEDacknowledged the distinction, thanked me for the clarification, and the call ended respectfully. While Ms. REMOVEDis not a customer of REMOVED, we are always open to assisting responsible borrowers looking for better ways to manage their monthly obligations. We respectfully ask that this complaint be closed as filed in error, as no credit or business interaction took place between Ms. REMOVEDand our organization.
  
  Sincerely,

  
  REMOVEDP. REMOVED
  Sr. REMOVEDof Operations
  AutoPayPlus 

  Customer Answer

  Date: 10/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID REMOVED, and find that this resolution is satisfactory to me.

  This was my mistake, I accidentally tagged Autopay instead of the offending party REMOVED. I spoke with the representative at Autopay and he politely explained the mixup, and I do apologize for getting the names of the business switched up. Please delete my original complaint if possible. 

  
  Sincerely,
  
  REMOVED

• Initial Complaint

  Date:10/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  autopay plus sent my loan information to a wrong email address that they said was received from the dealership but the dealership said they did not give them that address then i call to find out why I have not received any mail from them that is when they tell me they have the wrong email address I asked them to change it and I cancelled with them they drafted REMOVEDout of my account and said it would take 14 days to get my money back, I call again to check on it and they never changed my email; address or my correct mailing address after i gave them both to them the first time I called they are now saying 14 more days which will be close to a month since it was drafted out of my account. i am not happy that they sent my information to the wrong email and mailing address but they acted like it was no big thing that they had done this . it is not fair to the working people to be treated this way just because i cancelled my policy with them,

  Business Response

  Date: 10/06/2025

  Dear BBB,
  
  After reviewing Ms. REMOVEDexperience, AutoPayPlus wishes to detail the corrective actions taken to ensure her concerns were handled quickly and appropriately.When Ms. REMOVEDfirst contacted AutoPayPlus on September 25, 2025, she informed us that the email and mailing address on file were incorrect. Our records, including the electronically signed enrollment form (ACH Agreement) completed at her dealership, reflect a different email and physical address than the ones she provided during this call. If Ms. REMOVEDwould like, we can forward a copy of this signed agreement for her review. During that same call,we immediately updated her account with the new contact information she provided.
  
  Regarding her refund: the debit of $489.92 was processed on September 26, 2025.While our internal refund policy allows up to 14 days to issue refunds (to confirm the original debit is not returned by the banking system), we expedited this request to ensure a faster resolution. AutoPayPlus mailed the refund check to Ms. REMOVEDupdated address on October 3, 2025, just five business days after the debit cleared, well ahead of our standard timeline. A member of management attempted to call Ms. REMOVEDon October 3, 2025, to review her concerns but was unable to connect and left a voicemail. Additionally, on October 6, 2025, I personally called to inform her the refund had been mailed and to confirm whether any other matters required attention; however, contact was not established and I also left a message on her voicemail.
  
  AutoPayPlus values its members and strives to resolve concerns quickly and REMOVEDthis case, we acted to correct the contact information on file, expedited the refund process and proactively attempted to communicate updates to REMOVEDWe remain available to provide a copy of her signed enrollment form and answer any additional questions she may have.
  
  Sincerely,
  
  REMOVEDP. REMOVED
  Senior Director of Operations
  AutoPayPlus

• Initial Complaint

  Date:10/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Ive got multiple letters multiple offers digital league to lower my refinance my APR on monthly payment on my current car. Ive applied three times because theyve told me Im preapproved at a lower rate each time. My hard inquiry has hit my credit. My credit has dropped significantly. I dont believe its fair to anybody trying to better themselves, to tank their credit so that they cant better themselves. I waited eight months to refinance now Im gonna have to wait at least another 12 there should be some sort of law preventing this.

  Business Response

  Date: 10/06/2025

  To Whom It May Concern:
  
  This response is regarding the recent complaint submitted by Mr. REMOVED, who appears to have mistaken our company, AutoPayPlus, for another entity with a similar name and a very different line of business. After thoroughly reviewing our internal records, we can confirm that Mr. REMOVEDis not and has never been, a member of AutoPayPlus. We do not send loan offers, process credit applications, or perform credit pulls of any kind. Based on the details in the complaint, Mr. REMOVEDlikely engaged with REMOVEDor a similar third-party company that markets refinancing or pre-approval loan services.That company is not affiliated with AutoPayPlus in any way.
  
  To provide clarity:
  
  AutoPayPlus is a payment service provider that assists our members automating and managing their recurring loan, lease, or bill payments through structured, recurring ACH withdrawals. We do not offer loans, we do not refinance vehicles and we do not conduct or report credit inquiries.
  
  On 10/6/25,I personally called Mr. REMOVEDat the number provided in his submission to clarify this matter directly. He took the call, listened, understood the distinction and offered his appreciation for the outreach before we ended the call on good terms. While Mr. REMOVEDis not a member of AutoPayPlus, we appreciate the opportunity to set the record straight. Should he ever require assistance with automating or managing his recurring payments, our team would be honored to assist. We respectfully request this complaint be marked as misdirected,as no account, service, or activity with AutoPayPlus took place.
  
  Sincerely,
  
  REMOVEDP. REMOVED
  Sr. Director of Operations
  AutoPayPlus

  
  

• Initial Complaint

  Date:10/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 enrolled with REMOVEDon 6/27/25 to manage my auto loan payments. The service was supposed to debit partial payments from my bank account and then forward full payments to my lender. However, Auto Pay Plus failed to properly process and forward payments in a timely and transparent manner. This created confusion with my lender, risk of delinquency, and unnecessary stress regarding my REMOVEDPay Plus also provided inconsistent and unclear communication regarding how payments were applied. REMOVEDwas unhelpful and unable to resolve my concerns. Their lack of transparency and reliability constitutes misrepresentation of the services they advertise. Also, their $399 program fee is charged AFTER I canceled. And only a partial refund was made to me after all the $1,790.83 was debited from my bank account, only two payments of $591.96 were made to my lender, one of them was late. AutoPayPlus only refunded me $295.98. Keeping about $300 that should have been refunded to me so I could make a full payment to my lender personally. I called, got hung up on, given the run around, and then was eventually told that it was to pay the program fee. Of a program I didnt use more than 2 months. I canceled around 9/15/25 and they still debited my account $298.97 on 9/19/25.

  Business Response

  Date: 10/03/2025

  To Whom It May Concern:
  
  We understand how important payment clarity is for our members. This response explains the steps AutoPayPlus took with Ms. REMOVEDaccount and how we addressed her concerns. Our records show Ms. REMOVEDenrolled on June REMOVEDto automate payments to REMOVEDfor her 2020 REMOVEDRAV4.
  
  Payments Made:
  
  Two scheduled loan payments of $591.96 each were issued:
  1. The August 11, 2025 payment was mailed July 28, - 14 days early.
  2. The September 11, 2025, payment was mailed August 28 - 14 days early.
  

  AutoPayPlus intentionally mails payments well ahead of due dates to allow for mail transit and lender processing times. While we ensure early mailing, each lender controls its own internal posting timeline once a payment is received. We recognize payments not being posted timely can create concerns for members and we work to minimize that risk by sending payments two weeks in advance.
  
  Cancellation & Fee:
  
  Please note there were two debits that were processed but not mailed to her lender. The 9/5/25 debit of $295.98 was refunded to Ms. REMOVEDwhich she cashed on 9/30/25. The second attempted debit on September 19, 2025 was revoked by REMOVED(R07 Authorization Revoked by Customer) and returned, leaving no balance due or enrollment fee requiring refund.
  
  Ms. REMOVEDstated that AutoPayPlus failed to properly process and forward payments in a timely and transparent manner, creating confusion with her lender. We take such feedback seriously; however, our review found no missed, delayed payments or late fees being applied. Both payments were mailed 14 days before their respective due dates. Our agents documented calls with Ms. REMOVEDon September 17, 18, and 23 to explain payment application, refund status, and account closure.
  
  On October 2, 2025, I personally called Ms. REMOVEDto discuss her BBB complaint but was unable to reach her and left a voicemail explaining my attempt to connect.We understand she may still have felt uncertainty, and we regret any stress this caused, but the records confirm payments were sent on time and program details were explained. In closing, her account has been cancelled per her request, no additional fees have been charged, and we stand ready to provide any further documentation or support as needed.
  
  Sincerely,

  
  REMOVEDP.REMOVED
  Senior Director of Operations
  AutoPayPlus