AC Auto Pay
reviews and complaints

How about a class action lawsuit. I bought a car from a crooked dealership and found out they sold the car I was purchasing and put me in a loaner and than sold the contract for the LOANER to AC auto pay. Now they are hounding me for money for a vehicle I drove for 2 weeks. And refuse to send me a copy of the contract I supposedly signed with them.

If zero stars was a option I would. Auto pay is the worst car loan company to deal with. They lack of communication they are unorganized and their employees are dishonest. They will make you jump through hula hoops just to be disappointed. I had my car loan with them for two years and it got paid off with a insurance settlement and they told me that they were sending me my refund portion of the settlement and after a while I started to wonder where it was. The director kevin barry who is very unprofessional and rude and disrespectful told me straight out of his mouth "i'm not cutting you a check." with no explanation but i'm entitled to the remainder of that money. Crazy how a company can be ran by a rude a disrespectful person and yet he laughed the whole time on the phone and thought it was funny. I will never ever spend money with them again or refer anybody to them they are a joke and thinks their customers are as well! Their employees will tell you one thing and it will be a different ball game it took them 2 months to release the title to my car when I was told "2 weeks" a shame.

I paid my suv off three months ago and they are just now getting around to send my title. There excuse is they hold it 90 days so you do not go to the bank and cancel payment after the pay off. That is stupid and I have never heard of this before. Thinking on calling a lawyer about it and see what I can do.

Ac auto pay is a company that bought out an old car loan company named leap auto. This was done with no reference to alerting customers this was being done even though ac auto pay states that leap sent out a letter and also ac auto pay sent out a notice. This is a bold face lie. I received one notice. "welcome to ac auto pay we own your loan you previously had with leap auto". "more payment info will be following this letter in 7 to 10 days". I called for three weeks straight, I gave 3 different numbers to reach me by when I had to leave a message". They never returned a call. They shut off my car stating my payment is over due which its not. And then when I said ok I will pay you my regular payment but it will be early. I get told no you owe late fees, there is also our acquistion fees and also monthly title fees from the state where you reside. I never got an answer as to why on the title fees and license fees when I already had up to date plates they couldn't give me an answer. I said ok what is the total you feel I owe. They quoted me 3x the amount of my original monthly payment. I am on a fixed income. I said how am I supposed to pay it.. I was told"well you shouldn't have spent your money. What do you do with all your money? Don't you realize you have a payment due (which it wasn't even due). They turned the car off and refused to even remotely try to work with me. No supervisor ever available. This company is charging me 500.00 because they acquired my account from an out of business leap auto and I have no vehicle I said ok well it will have to wait two weeks till I get paid. They said no. You have 5 days or we will repossess. I said take it. So now the vehicle is waiting for them. I refuse to pay them for taking over my account when I was never notified only once by mail and then never a word from them. This company is a scam just like leap auto. They have been reported to the bbb and the attorney general in the state where I live and also in colorado where they are located.

My loan was recently sold to ac autopay. This company has no regards to customer service. I repeatedly asked for a due date change. I was told on multiple occasions that it will be submitted for the change. Who know they didn't want to change my due date? I can go into my entire situation but I won't. I will stick to the facts. I eventually spoke with chuck blommaert the director of loan servicing. Here are the main points of that conversation.
1. You have to disclose all personal information and not get an attitude with the reps in order for them not to cut the switch off on your car. If you get an attitude this all your fault.
2. If you wanted to make a partial payment on deliquent (1 day) you can't because their investors would wonder why they only took part of the payment. (hmmm... I think they would rather something over nothing)
3. When you request a due date change and it eventually goes through, anytime between your original due date and the new date is given as a courtesy. Not because your actual due date changed.
4. It is ok for reps to hang up in the face of customers.
5. Straight out the mouth of chuck "we don't need repeat business from customers" the reason for no customer service.
6. Make your payments on time. :-) according to chuck. (patronizing... Lol)
7. They have some sort of 10 day grace period but they can and will cut the switch off on your car after being 1 day late.
8. Per chuck if you get an attitude, its ok for the rep to get one back because you shouldn't have been upset.

Overall this company has no regards to customers and these types of business should not be allowed to do this. Because they truly don't need the customer to repeat service they don't have to be customer oriented. After speaking with chuck I told him all I really wanted was a handle on the customer service issues. But he basically said this was my fault and the reps did right. Especially the two that hung up in my face. One that actually said "I don't need this i'm hanging up now". I understand sometimes I can be a #, but I still believe that reps should be taught to de-escalate a call not go toe to toe with a customer. I was told to make payments on time or refinance because we don't want to deal with customers who pay late. This company does not need your business and doesn't care. My car was cut off in spite and employees should not have so much control over something so crucial to everyday life. It's not fair to the consumer who's just trying to make it. And to think this all started because I wanted to actually pay what I did have!