Complaints

This profile includes complaints for Auto Approve, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Auto Approve, LLC

  2860 Vicksburg Ln N Plymouth, MN 55447-1878

  
• 

  Auto Approve, LLC

  233 S Wacker Dr Ste 3900 Chicago, IL 60606-6380

  

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:06/17/2025

  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.

  Auto approve mailed me put notices to refinance by equinox. I went online did the application. A few days later was updated that I was approved. The message said the loan consultant would reach out in 1 day. I have called them 3 times now and it has been over a week. They have still yet to put me on with a loan consultant. St this point I feel they have mislead me into giving them personal information, allowing them to run my credit report and say im approved without following through. They say ill get a call back, however I never do. Can't even speak with a supervisor. This company is trash. There scamming people out of there personal and financial information and who knows what they are actually doing with it because it's not be used to refinance my car since they show im approved but won't actually reach out. I would like this to not happen to me or others.

  

  Business Response

  Date: 06/26/2025

  Thank you for sharing your experience with us. At Auto Approve, providing excellent customer service is one of our highest priorities, and we sincerely apologize for any difficulty you may have experienced in reaching your Loan Consultant. After reviewing your account, we confirmed that your assigned Loan Consultant has been in direct contact with you and is currently assisting you with the completion of your refinance. If you have any additional questions or concerns throughout the process, please dont hesitate to reach out to us at *********************************************************, and a member of our team will be happy to assist you. Thank you again for your feedback.

• Initial Complaint

  Date:06/10/2025

  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.

  I am writing to file a formal complaint against Auto Approve, an automotive refinance company that contacted me by mail in early June twenty twenty five. In that mailing, Auto Approve provided specific details about my existing car loan, including the balance and stated interest rate, and encouraged me to call them to lower my payments.I spoke by phone with an Auto Approve representative who requested my Social Security number solely to verify my identity. I repeated several times that I did not authorize any credit application. The representative assured me there would be no impact on my credit. Shortly afterward, I discovered that Auto Approve placed a hard credit inquiry on my Experian report dated June fourth twenty twenty five.Since then, Auto Approve has stopped answering my calls and emails. Repeated requests for written confirmation that they will remove the inquiry have gone unanswered. Their sudden silence leads me to believe they obtained my personal data under false pretenses and may be selling or otherwise misusing it.Desired Resolution Immediate written confirmation from Auto Approve that they will instruct all credit bureaus to delete the unauthorized hard inquiry.Documentation from Auto Approve explaining how they obtained my original loan details and why they misrepresented the need for my Social Security number.Assurance that my personal data has not been sold or shared with any third party and will be permanently removed from all databases that Auto Approve controls.Appropriate disciplinary action by the Better Business Bureau if Auto Approve is found to have violated consumer protection laws or BBB standards of trust.I have already placed an initial fraud alert with the three major credit bureaus, filed a dispute of the inquiry, and reported this incident to the *************************Supporting documents, including a copy of the mailing, my phone log, and a screenshot of the Experian inquiry, are available upon request.

  

  Business Response

  Date: 06/18/2025

  Thank you for your
  feedback. We have reviewed the recorded call and confirmed that there was a
  clear discussion between you and our representative regarding the submission of
  your application and the resulting hard inquiry. During the call, our
  representative explained that a firm offer of credit could not be extended without
  first submitting your application to one of our lending partners, and that
  doing so would involve a hard credit inquiry. Following this explanation, you
  provided verbal authorization to proceed with the application submission. Based
  on this authorization, we do not have grounds to request the removal of the
  hard inquiry from your credit report. Please be assured that Auto Approve does
  not share or sell our customers’ personal or private information. Your
  information is used exclusively for the purpose of refinancing, and we
  implement strict security measures to ensure its protection. Thank you again
  for your feedback. 

  Customer Answer

  Date: 06/19/2025

   I am rejecting this response because:
  
  
  
  
  I categorically reject the response provided regarding the hard inquiry on my credit report.
  
  
  The entire engagement began with a deceptive and misleading offer I received by mail, which stated I was pre-qualified for a 4.99% interest rate and an estimated monthly payment of around $300—figures that closely mirrored my current loan. This tactic gave the appearance of a firm offer, not a generic solicitation. The mailer contained specific details about my existing loan that could only have been obtained through data mining, giving it an air of legitimacy and urgency. It was designed to bait consumers like me into acting under the assumption of a guaranteed offer.
  
  
  During the call with your agent, I clearly communicated that my consent to move forward was based on the understanding that I was receiving the advertised 4.99% rate or something comparable. I did not authorize a hard inquiry for any loan offer that deviated significantly from the one I was promised. When I was later told that the actual offer involved a much higher and unreasonable interest rate, I immediately disengaged. That is not informed consent.
  
  
  You claim that your representative disclosed the inquiry process, but disclosure alone does not nullify the fact that the context in which the offer was presented was materially misleading. There was no transparency that the advertised rate was purely hypothetical or that there was no real pre-qualification. This is a textbook example of bait-and-switch advertising and an unethical practice that should be investigated.
  
  
  I request Immediate removal of the unauthorized hard inquiry from all three major credit bureaus.

  I stand by my claim that your practices are deceptive and unethical.
  
  Mohammed Wardeh

  
  

  

  Business Response

  Date: 06/27/2025

  We appreciate the
  opportunity to further address your concerns. Please know that the terms
  provided in any pre-qualified offer are based solely on the information that is
  available to us at the time the offer is extended; however, there are
  additional factors that can influence the final terms offered, such as the
  vehicle’s value, the total amount financed (loan-to-value ratio), and other
  underwriting criteria. These details are typically gathered during our initial
  conversation with the customer and can impact the original pre-qualified offer.
  The final terms are not decided upon until after the application has been sent
  to a Lender for review and they perform a hard inquiry of your credit profile.
  Additionally, the letter you received includes a disclosure on the back that
  notes the offer is subject to, but not limited to, the conditions
  mentioned above. We understand that the final offer may not have matched your
  expectations, and we sincerely regret any frustration this may have caused. We
  also reviewed the call and did not identify any specific conditions related to
  your authorization for the hard inquiry. Thank you again for reaching out. If
  you have any further questions or need additional assistance, please don’t
  hesitate to contact us.

• Initial Complaint

  Date:05/30/2025

  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.

  This company called about loan and interest rate was too high so we declined. They put an application out which we didn't want.

  

  Business Response

  Date: 06/09/2025

  Thank you for providing feedback and for the opportunity to address your concerns. Upon reviewing your account, we confirmed that your application was completed over the phone.During that call, our representative read you the hard inquiry authorization disclosure, and you responded with, Okay, yes. Following your authorization, your application was submitted and approved. However, we understand that you chose not to move forward with the new loan terms that were offered. Since the hard inquiry was properly authorized during the application process, we unfortunately do not have a basis to request its removal from your credit report. Were sorry we werent able to assist you with your refinance,but we appreciate the opportunity to work with you and thank you again for sharing your experience.

• Initial Complaint

  Date:05/28/2025

  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.

  I purchased a used vehicle in May of 2024 and after receiving several letters from Auto Approve explaining I had been charged a higher interest rate that I should have, I called to check it out and was soon contacted by phone by ***** ******* of auto approve who took some questions from me and within days called again to congratulate me for being approved. I checked to see if this place was legit and apparently it was. Mr ******* said he could get me a better deal but time was limited and I needed to close the deal. He phoned me several times a day, as well as emailed, and said everything was all set and all that remained was the notarization process which could be done thru a business called Docusign and handled by a Ms. ****** ******. He called me several times after I hesitated and not once did he make mention of the what it would cost me as opposed what it would gain. This I thought would be listed in the closing papers. I received some documents but could only open two despite using the code had given me with my password. I called Mr ******* several times waiting to receive the remaining documents but he never returned my calls. Finally, I received a letter from a credit union in ************ saying they were financing my loan. I called them and was told my new loan was for $13500 in the same vehicle I had owed $11000 after a $5000 down payment and having made ten months of payments! In short, the refinancing cost me somewhere between $3000 to $4000 more considering payments and at a monthly savings of only $30. I sent several emails to ********* and Mr. ******* asking for and demanding They provide me with printed and hard copies of this transaction only to be sent more digital copies which I still could not open since I had no viable password or any other code that would allow me access to the refinancing. I still have yet to receive my hard copies have not received a returned phone call from neither ******* nor ******.

  

  Business Response

  Date: 06/06/2025

  Thank you for sharing your experience with us. We have reviewed your account and confirmed that the amount paid to your previous lender (the amount you owed before refinancing)was $11,935.07, this was the 45-day payoff amount provided directly by your previous lender. When refinancing a vehicle, the total amount financed can include administrative and documentation fees, title transfer fees, applicable state fees, and any optional products you elect to add (such as GAP coverage or a vehicle service contract). These costs are clearly itemized and disclosed in the loan agreement, which is reviewed and signed by each customer. In addition to the contract, we also send a text message before documents are sent out, notifying you that the loan package will reflect the total amount financed along with any selected add-ons and required processing fees. That said, we understand your concerns and want to make sure all your questions are fully addressed. One of our Sales Managers will be reaching out to you directly to further discuss your experience and ensure clarity around the refinance process. We appreciate the opportunity to serve you and thank you again for your feedback.

• Initial Complaint

  Date:05/02/2025

  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.

  Auto Approve does not fully inform recipients of facts. 1st the rate I was initially given was not met, of course a higher rate after all paperwork was submitted was given. Then after submitting all paperwork asked for learned I was not getting my title to vehicle back until paid in full. I was never informed & have never not been given my title to vehicles that have a loan. Very sketchy business.

  

  Business Response

  Date: 05/09/2025

  Thank you for your feedback. After reviewing your account, we understand there may have been some confusion around how your final loan terms, including interest rate, were communicated. While the lenders final approval reflected a different rate than what was initially discussed, all items were finalized prior to funding. We apologize if this was not made fully clear at the time of funding. Regarding your title, Michigan follows an Electronic Lien and Title (ELT) system. Under this system, the lienholder holds the title electronically until the loan is fully satisfied. This is a standard process across all financial institutions in the state. Once the loan has been paid in full, the title is released in accordance with ********* ELT procedures. If you have additional questions or concerns, please feel free to contact us at ********************************* and someone will follow up with you directly. Thank you.
  

• Initial Complaint

  Date:05/01/2025

  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.

  I submitted an application April 29th and was advised it was approved for my refinance for my auto. They asked me to authorize a pull of my credit which would be a hard inquiry. I advised that would be fine and was mislead. I was informed it was a one time pull and instead they continued to pull hard inquiries on my credit. I spoke with the auto approve again regarding this and they advised there is no way to stop pulling the hard inquiry that it is a 7 day process. They essentially advised my credit would continue to get a hard inquiry until they found the best deal. I was never informed it would be a daily thing and only advised of the one time approval led to be told it was a one time hard pull. I then requested that they canceled my application because I did not want them to continue to pull my credit daily. They advised they would put in request, however, could not guarantee that my credit would not be pulled the next day as it is not yet canceled and only the consultant could dothat. I also requested to speak with the supervisor, which I was not able to do so because there was not a process for that andno one could give me specifics as to when they would stop my pole. I feel that this company is very misleading on the front end with how the approval to pull credit is requested. It was never disclosed the ongoing pulls that could or would occur or how hard it is to cancel. I would like all the additional hard credit inquiries removed from my report.

  

  Business Response

  Date: 05/09/2025

  Thank you for sharing your experience with us. After reviewing the recorded calls, we confirmed that our credit authorization statement, which explains the potential for multiple credit inquiries was clearly communicated and acknowledged. You acknowledged the credit disclosure when it was reviewed on the call, which is the standard basis we rely on for authorization. Auto Approve does not submit applications to more than one lending partner at a time. However, each partner may initiate their own hard credit inquiry during the approval process, which is a standard part of evaluating loan eligibility. We apologize if this was not made sufficiently clear during your interaction. Once your request to cancel was received, your application was closed, and no further submissions were made. Since the hard inquiry was properly authorized, we are unable to request its removal from your credit report. Were sorry for any frustration this may have caused, and we hope this helped clarify the situation and appreciate your feedback. Thank you.

• Initial Complaint

  Date:04/23/2025

  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.

  I reached out through Auto Approve to refinance my car. The customer ***resentative who I initially spoke with took some personal information and told me she would submit my information to a "couple" of lenders, and that it would only be a "soft credit" pull and we would have an answer in 72 hours. The terms that I made upfront was that I wanted to lower my payment I and that I DID NOT WANT MULTIPLE BANKS PULLING MY CREDIT! She said that this would not happen. Three weeks go by and still no response. A week after, I received and email stating that I was approved via email and that evening I received a call from "******" stating that my apr would be higher from what I was already paying. Keep in mind their reason for this was because of my "average" of over 700 and having recently refinancing my house. After declining their offer, several days later, I received 5 rejection letters from "Fly-By-Night" finance institutions of whom I have never heard of. I called "******" back to inform her what had happed, and she told me that the ** *** that I spoke to the first time lied to me about the credit pull. This was by far the worst institution that I have ever had to deal with. Word of warning stay away from people and organizations like this that have 2nd and 3rd party vendors who use untrained, substandard teleworkers to take advantage of innocent hard working people.

  

  Business Response

  Date: 04/28/2025

  Thank you for sharing your experience with us. We have thoroughly reviewed your account, including all recorded calls. Based on our review, we did not find any instance during the calls where it was stated that the application would only be submitted one time. Additionally, during the call where the co-borrower provided their information, both of you were read our hard inquiry authorization statement, and each of you responded "Yes." We regret that we were not able to assist you with your refinance. Thank you again for giving us the opportunity to work with you.

• Initial Complaint

  Date:03/31/2025

  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.

  Submitted a refinance application. As soon as the documents were sent, sixty seconds later my application was cancelled. I believe they stole my information.

  

  Business Response

  Date: 04/09/2025

  Thank you for providing feedback. We have researched to the fullest of our capabilities and were not able to find any record of your application in our system. It is possible that there was an unexpected error when filling out the web application, resulting in the notification that the application was cancelled. If the email address and phone number used to post this complaint were not the ones associated with the account, please reach out to us at ******************************* and provide the correct email address and/or phone number, and someone will reach out to you directly to discuss your concerns. We would, however, like to point out that Auto Approves does not share or sell our customers personal and private information. We also implement the strictest security measures to ensure the safety of our customers information. Thank you again for your feedback, and we look forward to hearing from you soon.

• Initial Complaint

  Date:02/18/2025

  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.

  I received a mailer for a preapproval advising they would save me on my current loan through a refinance and were advertising a considerable savings on my payments and loan. They did not provide a APR range in the initial information nor gave me any lead of what would be potential APR range. After they performed a hard credit pull the offer they gave was overall worse than my current rates(their offer would have added years onto my loan and in the long run brought me to pay thousands more overall on the loan). I feel like I was very mislead and it also felt like a bait and switch and an unnecessary hit on my credit report.I would like for them to remove the hard inquiry from my credit report as I feel the advertisement was misleading and had they provided the information saying that such rate would only be reachable with a down payment or with adding years onto my loan I would never have authorized the credit pull.

  

  Business Response

  Date: 03/01/2025

  Thank you for taking the time to provide feedback. The terms that are provided in any pre-qualified offer are based on the information available to us at that time. There are other factors that can impact the final terms that are offered, such as the value of the vehicle, total amount financed (loan to value), etc. This type of information is obtained during our initial conversation with the customer and can impact the pre-qualified offer. We cannot provide terms of a new loan until we submit an application to one of our ***************** The several factors listed above can impact the final terms in a refinanced loan, so any estimate on our part may not match the final terms offered. We want to provide actual numbers for our customers rather than provide an estimate that could be incorrect. We researched your account and identified that you authorized the hard inquiry while filling out the application online, so, unfortunately, we have no basis for requesting the removal of the hard inquiry. We sincerely apologize that we were not able to assist you. Thank you again for sharing your experience with us.

  Customer Answer

  Date: 03/03/2025

   I am rejecting this response because: there are always ways. From reading other people's complaints it's very clear that you do not give estimates of savings in good faith and likely try to get people to accept through a sum cost fallacy.

  Sending a pre-approval letter saying it would be up to a $180 savings per month only to say it'll be a 10 dollars per month saving but an extra 2 years on the loan is bad practice and really comes off as predatory.
  
  

  
  

• Initial Complaint

  Date:01/13/2025

  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.

  BEWARE!!!THIS COMPANY IS A SCAM! THIS IS A DATA HARVESTING COMPANY AIMED AT STEALING PEOPLES INFORMATION I RECEIVED an offer from this company and was provided with rates. I WAS TOLD I WAS APPROVED!!!!! ONLY TO RECEIVE A CALL 72 HOURS LATER TELLING ME I WAS DENIED. I DO NOT BELIEVE THIS COMPANY IS LEGIT *** THAT ANYONE HAS ACTUALLY EVER BEEN APPROVED FOR A LOAN. I BELIEVE THIS IS A DATA HATVESTING COMPANY THAT IS STEALING PEOPLES INFORMATION FOR WHO KNOWS WHAT REASOK!!! STAY AWAY FROM THIS COMPANY! I WANT MY INFORMATION DELETED FROM THEIR DATABASE.

  

  Business Response

  Date: 01/15/2025

  Thank you for taking the time to provide feedback. We reviewed your account and identified that you were approved for a refinance without a down payment being required. However, during the consultation, you indicated that you did not wish to proceed if a down payment was required, and as such, the process was unsuccessful. You were notified via text message regarding this outcome. Please rest assure that Auto Approve does not engage in data harvesting. We adhere to strict privacy regulations and use customer information solely for the purpose of assisting with refinance options. While we regret that we were unable to meet your expectations, if you would like to discuss your concerns further, please contact us at ******************************* and someone will be happy to assist you. Thank you. 

  

  Business Response

  Date: 01/22/2025

  Thank you for taking the time to provide feedback. We reviewed your account and identified that you were approved for a refinance with a down payment being required. However, during the consultation, you indicated that you did not wish to proceed if a down payment was required, and as such, the process was unsuccessful. You were notified via text message regarding this outcome. Please rest assure that Auto Approve does not engage in data harvesting. We adhere to strict privacy regulations and use customer information solely for the purpose of assisting with refinance options. While we regret that we were unable to meet your expectations, if you would like to discuss your concerns further, please contact us at ******************************* and someone will be happy to assist you. Thank you.