AC Autopay is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
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What is AC Autopay?
AC Autopay, LLC (Autopay) is a third-party auto loan company based in Colorado. Autopay has received consumer complaints alleging violations such as improper billing, communications and credit reporting. If you have been contacted by Autopay, make sure you understand your rights before taking action.
According to public information from the Delaware and Colorado Secretary of State websites, AC Autopay, LLC was founded and organized as a limited liability company in Delaware in 2008. Autopay is based in Colorado. The Better Business Bureau (BBB) established its profile page for Autopay in 2011. It lists Autopay as a loan servicing, consumer financing, and financial services company.
According to its website, Autopay offers virtual financing and insurance services to online and traditional dealerships. The dealers who partner with Autopay benefit from its “national network of lending partners,” through which Autopay “is able to offer full-spectrum financing to [dealer’s] customers.” Autopay “can match any credit profile to competitive rates and terms.”For car buyers, Autopay provides direct car loans and refinancing, “guides” the car buyer “through the process of getting an auto loan from start to finish” and has “solutions for all credit profiles.”
AC Autopay’s website provides information for car dealers and information for car buyers. Their dealer pages inform site visitors that partnering with Autopay will result in “more car sales” and that Autopay’s “success in this industry is predicated on developing and nurturing long-lasting partnerships.” More information is available by contacting AC Autopay.
The car buyer pages encourage site visitors to purchase “the new (or preowned) car” they “deserve” to “reinforce” a strong credit history or “to get things back on track.” Autopay also informs those considering refinancing through Autopay that, on average, it saves customers $165 per month and cuts rates in half and invites them to calculate their refinancing savings using Autopay’s calculator. The FAQ page answers questions about credit approvals and loan processing, payments, warranties, and insurance.
The AC Autopay website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
How many complaints are there against AC Autopay?
The BBB has closed 46 complaints against AC Autopay in the past three years, with 10 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Many complaints also allege problems with customer service. Since December 2013, the Consumer Financial Protection Bureau (CFPB) has received 24 complaints about Autopay. Justia lists at least 2 federal civil cases involving Autopay.
Can you help me file a No Fee Lawsuit against AC Autopay?
Absolutely. Here are some Sample Cases against AC Autopay
According to information available on the BBB’s website, complaints against AC Autopay raise issues with regarding billing and collections, customer service,payoffs, and credit reporting. Specifically, consumers complain that they are unable to resolve loan payment problem seven after following the direction of company employees. Additionally, consumers complain about improper credit reporting, failure to fully disclose all costs or loan terms, and other customer service issues.The 13 negative reviews on Autopay’s BBB profile support these allegations.
In October 2016, a 71-year-old complainant indicated that AC Autopay took advantage of him. He alleged that after he fell behind on his auto loan payments due to his unemployment, Autopay sent his account to a third-party collection company. He settled the debt with the collection company and paid an agreed-upon amount. Four months later, the complainant still had not received title to his vehicle even though he called Autopay “many times” to try to resolve the issue. According to the complainant, Autopay did not “wish to work with” him and claimed it had not received the settlement paperwork from the collection company. When he offered to provide a copy of the paperwork he had received from the collection company, the Autopay representative “hung up” on him. The complainant alleged further that the inability to obtain title prevented the complainant from trading the car, which he needed to trade because it was “hard for [him to get in and out of.” The complainant indicated also that he faced a “daily struggle” of worrying that Autopay would incorrectly claim he had not made payments and repossess his car.
In August 2016, a complainant indicated that she was “shocked and angry” at Autopay’s tactics. The complainant alleged that she “applied online to refinance [her] car” and “received [an] email a few days later stating that [she] was approved” and needed only to submit specific documentation for underwriting. She completed and returned the documents and four days later, received an email from Autopay,which stated “everything was completed”,along with a copy of her loan documents” countersigned by AC Autopay. According to the complainant, however, the next day, a loan officer called her and told her for the first time she needed to make a $2000 down payment to refinance, although this was not reflected on the signed paperwork. The complainant stated that AC Autopay should “eat the cost due to their mistake” and “not make the customer pay” for Autopay’s mistake.
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Want to Stop AC Autopay Debt Collection Harassment Now?
Your debt harassment checklist:
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are recieving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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Can You Help Me Delete AC Autopay from My Credit Report?
We can absolutely help. Call us today.
Can Your Firm Help me Deal with AC Autopay?
The short answer is yes. Contact us now to find out more.
Sound Off!
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
I still have a car showing up on my credit report that I financed through them over 10 years ago. To be more accurate, that I returned to them over 10 years ago, because they said my name was not showing up on the financing contract. I returned the vehicle and only wanted my down payment back and was told it would be arranged, but never heard back from them. I called the car dealership that I signed the contract at, and they told me the car was showing up as a repossession. There are more details which I will not explain here, but I will leave my number and email, and hopefully someone from your company gets back to me. Like I said, the vehicle is still on my credit report, but it shows as an open loan, not a repo. The date literally shows the contract was open in 2013. I have been turned down at one dealership because they said I have this loan. I have been denied a credit card because they said I have insufficient balance decrease for non-mortgage loans.
Lysil D
Can I Sue this company for doing this?
Rhonda
These people sent a repo man to take my car, but i never had a loan with them and they do not have a lien nor a contract on my car. My name is on the title. The man who stole my car was calling me names and threatening to run me over. He said autopay ordered the repo but he refused to verify the lien even tho I informed him that there is not one and that the title has my name on it. I called the police for the threats and abuse but the police made me let him leave and refused to let me get stuff out of the car. I can’t find the car now, as the card he gave the police was for some other company/woman. The police didn’t care about any of the threats and literally said I should move if I don’t want the truck to hit me. He drove the truck forward until he was up against my daughters back. He then laid on the horn and screamed that I was holding him hostage. It was crazy and I was forced to back down by the cops. No report was taken about the threats he made or the attempts to run me over. Help!
I still have a car showing up on my credit report that I financed through them over 10 years ago. To be more accurate, that I returned to them over 10 years ago, because they said my name was not showing up on the financing contract. I returned the vehicle and only wanted my down payment back and was told it would be arranged, but never heard back from them. I called the car dealership that I signed the contract at, and they told me the car was showing up as a repossession. There are more details which I will not explain here, but I will leave my number and email, and hopefully someone from your company gets back to me. Like I said, the vehicle is still on my credit report, but it shows as an open loan, not a repo. The date literally shows the contract was open in 2013. I have been turned down at one dealership because they said I have this loan. I have been denied a credit card because they said I have insufficient balance decrease for non-mortgage loans.
Can I Sue this company for doing this?
These people sent a repo man to take my car, but i never had a loan with them and they do not have a lien nor a contract on my car. My name is on the title. The man who stole my car was calling me names and threatening to run me over. He said autopay ordered the repo but he refused to verify the lien even tho I informed him that there is not one and that the title has my name on it. I called the police for the threats and abuse but the police made me let him leave and refused to let me get stuff out of the car. I can’t find the car now, as the card he gave the police was for some other company/woman. The police didn’t care about any of the threats and literally said I should move if I don’t want the truck to hit me. He drove the truck forward until he was up against my daughters back. He then laid on the horn and screamed that I was holding him hostage. It was crazy and I was forced to back down by the cops. No report was taken about the threats he made or the attempts to run me over. Help!