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.

close

Find a Location

Auto Approve, LLC has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:04/01/2024

  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.

  Never received a copy of the contract (docusign) 03/15/2024 despite numerous requests. Auto Approve doe not return calls or texts.

  

  Business Response

  Date: 04/09/2024

  Thank you for providing feedback. Excellent customer service is one of our top priorities, so we apologize for any difficulty you may have experienced in getting answers to your questions. All of our customers are emailed a copy of their loan documents directly from DocuSign after they sign them. If you did not receive them, you may want to check your spam folder as they are sometimes directed there in error. A member of our Team has already been in contact with you directly, and will remain in contact until your concerns have been resolved. Thank you.

• Initial Complaint

  Date:01/17/2024

  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.

  About one month ago I refinanced my vehicle with Auto Approve. ***** saw that when I bought my vehicle I purchased an extended warranty with the **** dealership, he said he could get me one cheaper and a little bit better and that I just need to cancel my existing warranty, go to **** and theyll write me a prorated check. I went to **** and they told me that 1, it takes about 6-8 weeks to get reimbursed. 2, they need to see the warranty to see if they accept it and if they do its possible there could be out of pocket expenses, ***** never said anything about this. I contacted Auto Approve to get a copy of my warranty and they said to contact ***** to get the warranty. *** left four messages with him and he never responds. I called today and spoke to someone and told them about my dilemma and they said let me transfer you and lo and behold they transferred me to ***** and it went to his voicemail. I hung up because Im tired of leaving messages. I called back and asked for ****** boss. I was put on hold for a little and was then told ****** boss will call me back within a couple hours. That never happened. In the meantime Im paying for two extended warranties.

  

  Business Response

  Date: 01/18/2024

  Thank you for providing feedback. Auto Approve makes excellent customer service one of our top priorities, so we sincerely apologize for the difficulties you experienced in getting in touch with your Loan Consultant. All of the information regarding the optional products you elected to include, such as GAP and Warranty, is included in the loan documents package you signed. All customers are emailed a copy of their loan documents directly from DocuSign after they sign them. You noted that you had not received them so you may want to check your spam folder as it will sometimes be directed there in error. We identified that one of our Sales Managers has already been in touch with you directly, and they were able to address all of your concerns and answer all of your questions. They also emailed you a new copy of your loan documents package, which includes all of the documents you signed, including the ancillary product documents. If you have any additional questions or concerns, please feel free to reach out to them at the number they provided you. Thank you.

  

  Business Response

  Date: 01/18/2024

  Thank you for providing feedback. Auto Approve makes excellent customer service one of our top priorities, so we sincerely apologize for the difficulties you experienced in getting in touch with your Loan Consultant. All of the information regarding the optional products you elected to include, such as GAP and Warranty, is included in the loan documents package you signed. All customers are emailed a copy of their loan documents directly from DocuSign after they sign them. You noted that you had not received them so you may want to check your spam folder as it will sometimes be directed there in error. We identified that one of our Sales Managers has already been in touch with you directly, and they were able to address all of your concerns and answer all of your questions. They also emailed you a new copy of your loan documents package, which includes all of the documents you signed, including the ancillary product documents. If you have any additional questions or concerns, please feel free to reach out to them at the number they provided you. Thank you.

  Customer Answer

  Date: 01/18/2024

   I am rejecting this response because: Its an okay response but Im still not happy. I feel like they are putting a blame on me for not checking the docusign items. I went back to them when I found out that the warranty ***** sold me might not be accepted or may have out of pocket costs . When I went back to the documents it said they were no longer available, thats when I tried to reach out to him to get it re sent so I dont continue paying for two extended warranties (which I still am and Im sure I wont be reimbursed because of ****** failure to respond to me) . I talked to someone there on Monday or Tuesday and the person I spoke to I told them I wanted to talk to ****** boss and I was told they would call me back within a couple hours and that never happened. Finally yesterday I got very short and ***** when I called and finally got ******* to get me what I needed, it took all of about 2-3 minutes, why couldnt ***** do that? And to clarify, it was me contacting them, not them contacting me. Also, I got an email, I forget if it was them or BBB that said after my complaint someone will be contacting me, that didnt happen either. 
  
  
  

• Initial Complaint

  Date:01/12/2024

  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 received a mail piece about calling for lower rates guaranteed. I searched Auto Approve on the BBB and saw good results. I proceeded to unfreeze my credit report because they told me everything looked good. My credit was hit and dinged immediately and yet I did not hear back from anyone who I talked with (a week later still heard not a thing). No response to text messages or emails. I do NOT recommend this company as they ding your credit score and refuse to communicate.

  

  Business Response

  Date: 01/16/2024

  Thank you for providing feedback. Excellent customer service is one of our top priorities at Auto Approve, so we sincerely apologize for the time it took for you to receive an update regarding your application. Based on our review, it appears that our team was still trying to determine if we could meet your goals for the refinance but someone should have contacted you earlier to explain the current status of your application. Again, we are sorry that happened and it is being addressed internally. The terms that are provided in any pre-qualified offer are not guaranteed; they are subject to factors such as the value of the vehicle, total amount financed (loan to value), etc. information we obtain during our initial interview with the customer.  The fact that the offer is subject to certain restrictions is included in the Terms and Conditions of Offer section of the marketing materials you received.  We are sorry that we were not able to assist you with your refinance. Your account has been placed in opt out status, per your request, so you will receive no further communications from Auto Approve. If you have any additional questions or concerns, please reach out to us at ******************************** and someone will be happy to assist you. Thank you.

  Customer Answer

  Date: 01/17/2024

   I am rejecting this response because:

  They were very quick to have me lift my freeze and run the credit the SAME day I called.  Then a week later, when I mysteriously did not meet their approval, they dropped the ball and NO ONE contacted me.  This business is a SCAM and I want the points back on my credit report.  They misled and lied.
  
  

  
  

  

  Business Response

  Date: 01/22/2024

  We appreciate the opportunity to further address your concerns. We have reviewed the recorded call again and we identified that you were read our credit authorization statement, asking for authorization for our Lending Partner (**) to perform the hard inquiry in order to provide a firm offer of credit.  When asked if you provided authorization to perform a hard inquiry, you replied Yes. Shortly after, you asked if you needed to remove the freeze in order for our **s to perform the hard inquiry. You were informed that yes, you would need to do so, and then the Loan Consultant asked again, to be sure, Was that a yes to the hard inquiry? to which you, again, replied Yes.  According to our records, you provided authorization for the hard inquiry at approx. 3:00 p.m. (CST) on Friday, January 5th.  Our team submitted your application to a potential ** later that same day. When it was determined on Monday, January 8th, that the ** could not assist you with your refinancing goals, the application was reviewed again to determine if there was another ** to whom it could be submitted for consideration. You reached out on Tuesday, morning, January 9th for an update but did not receive a response until January 11th, at which time you were advised that we were unable to find a ** who could assist you. We apologize again for the delay in providing an update and this has been addressed internally.  Despite the delayed update, we have no basis for requesting the removal of the hard inquiry as proper authorization was obtained and we cannot request the removal of a hard inquiry on the basis that we were unable to obtain an approval from one of our **s. We pre-qualify our customers based on our **s criteria but they have their own underwriting teams who make the final decision.  If you wish to discuss your concerns in further detail, please reach out to us at ******************************* or call us at ************ and someone will be happy to assist you. Thank you.

• Initial Complaint

  Date:01/08/2024

  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 am a disabled US Veteran: I received a letter from the business stating they could lower my payment by over $100. Therefore, I called to refinance our new auto loan, and the representative I spoke to was ***********************. On December 9th, I provided my social security number and emailed documents containing sensitive information about the current loan. I was told I would hear back in a couple of days.After over a week of not receiving any response, I called and left multiple messages with *****, in addition to sending multiple emails, but I have not received a call or email in return. Despite providing sensitive information, there has been no courtesy in updating me on the status of my loan. I then called and asked for a supervisor, and I am still waiting for a call back. These individuals seem to care less about customer service. I strongly advise against doing business with them.

  

  Business Response

  Date: 01/12/2024

  We appreciate the opportunity to address your concerns.  We would first like to thank you for your service.  We have researched your account and did find that you did not receive timely updates on the status of your refinance inquiry. We are very sorry that happened. We strive to make excellent customer service a top priority so we are very sorry that was not your experience. We do want to assure you that Auto Approve follows all regulations regarding the security of confidential consumer information and we do not share or sell customer data it is used solely for the purpose of the refinance process.  A new Loan Consultant was assigned to your account and reached out to you directly. We are sorry we were not able to assist you with your refinance at this time, but it appears that we may be able to assist you in the near future. We also identified that one of our Sales Managers has already reached out to you directly to discuss your concerns. If you have any additional questions or concerns, please reach out to them at the number they provided. Thank you again for bringing this to our attention. 

• Initial Complaint

  Date:12/20/2023

  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.

  Writing to formally express my dissatisfaction with the service I have received from AutoApprove and to urgently request an immediate resolution to my ongoing issue and appropriate compensation for the inconvenience and financial impact it has caused. Summary of the Incident: Unresponsiveness and Delayed Communication: Since my refinance application process began in October 2023, I have consistently faced significant delays and a lack of responsiveness from your team, particularly from *********************** and *********************************. Despite multiple follow-**** my requests and inquiries have often been ignored or inadequately addressed.Unauthorized Credit Inquiry: My credit was hard-pulled without my explicit authorization, which is a severe concern and breach of trust. Refinance Process Complications: The refinance process has been fraught with complications, including the need to redo documents and find a new lender, without clear communication or guidance from your team. Refund of Down Payment: My repeated requests for my initial down payment refund have been met with silence or vague responses. This has not only caused financial strain but also significant distress. Requested Actions: Given the severity of these issues, I am requesting the following actions to be taken immediately: Speedy Processing of My Case: I expect a prompt and efficient resolution to the ongoing refinance process. This includes clear and regular updates until the matter is fully resolved. Full Refund of My Down Payment: Immediate processing of my initial down payment refund, with a clear timeline and confirmation of the transaction. Compensation: In light of the inconvenience, financial impact, and distress caused by these issues, I am seeking fair compensation. This should reflect the severity of the situation and its impact on me. Documentation: I have retained all text messages and email correspondence related to this matter and am prepared to provide them upon request to support my claims.

  

  Business Response

  Date: 12/28/2023

  Thank you for providing feedback. We have confirmed that your refund for your down payment has been processed and sent to you. We apologize for the delay in processing the refund.  We have confirmed that we did properly obtain your authorization for a hard inquiry to obtain a firm offer of credit from our **************** and your Loan Consultant (LC)submitted the application to a second Lending Partner based on the hard inquiry authorization that you had provided. We would like to note that your LC was acting in good faith when the application was submitted to a second Lending Partner in an attempt to get your refinance approved. We do, however, apologize for any misunderstanding and have requested either the removal of the second hard inquiry or that it be changed to a soft inquiry (which does not impact your credit in any way and is viewable only by you). We apologize for the unexpected delays in the process and that the communications were not as consistent or clear as they should have been.  A member of our Compliance Team will be reaching out to you directly to ensure that all of your concerns have been addressed. Thank you again for bringing this to our attention.

• Initial Complaint

  Date:12/18/2023

  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.

  me and my wife received a mailing offer too refinance our auto loan too a cheaper rate we spoke too them and they said they would have too do one hard credit pull and then check with there lenders within there net work so a day after that i get a notice from credit wise that showed auto approve lenders did more hard pulls on my credit whick damaged my score i reached out too auto approve and till now no response..

  

  Business Response

  Date: 12/21/2023

  Thank you for providing feedback. We identified that your application was only submitted once to one of our ***************** Any additional hard inquiries you may see on your credit report could not be from one of our ***************** A member of our Compliance Team has already tried to reach you via phone, text, and email to discuss this with you. If you wish to discuss your concerns in further detail, please reach out to them at the contact information they had provided you. Thank you.

• Initial Complaint

  Date:12/13/2023

  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 express my dissatisfaction with the handling of my auto loan payoff by AutoApprove, resulting in a negative impact on my credit score. The delayed payment dropped my score by 120 points, attributed to AutoApprove's failure to send the lease payoff check to Chase in a timely manner.Chase Auto:9/18 - 10/17: Obtained Lease Payoff paperwork, submitted on 10/17 to AutoApprove Early Dec: Confirmed full amount payoff with Chase, but they refused to rectify the reported late payment 12/13: Escalated to Manager ******* i28600 at Chase, who suggested submitting information to Fax ************ via AutoApprove, with no guarantee of correction Auto Approve:Oct 4: Signed documents via DocuSign and signed POA the same day Oct 16: Signed paperwork with a Notary per instructions Oct 17: Sent pics of signed docs as requested by ****** at AutoApprove Oct 20: Received text from ****** confirming loan funding 10/21: Email confirmation of funding with ********************** first payment due 11/18 Nov 8, 15, 20: Attempts to contact ****** via text, no response Nov 9: Made first payment to Veridian, not due until the 18th Nov 11: Replied to ******'s email with urgency, no response received Nov 15, 16: Left voicemail and called ******, no response Nov 16: Emailed help@autoapprove, no response Nov 20: Called customer service, promised a callback within 48hrs, no response.Nov 24: Received text from ****** initiating payoff with old auto lienholder, no check details provided Nov. 27th, 2023: After a month of outreach, received a text from Orion at Auto Approve with *** tracking number, stating that ***** received the check that day, awaiting crediting I urgently request your intervention to address this issue promptly and rectify the negative impact on my credit score. The delay in settling the account was beyond my control, and I seek your assistance in resolving this matter with both AutoApprove and Chase. Your prompt attention to this matter is highly appreciated.

  

  Business Response

  Date: 12/19/2023

  Thank you for taking the time to provide feedback. We researched your account and identified many unique challenges during the refinance process which resulted in unexpected delays. These administrative errors are not typical, and we sincerely apologize for any inconvenience they may have caused. A member of our Compliance Team has already been in contact with you directly to achieve a resolution. You indicated to them that you were satisfied with the resolution. If you have any additional questions or concerns, please dont hesitate to contact the Compliance representative at the number they provided you. Thank you again for bringing this to our attention. 

• Initial Complaint

  Date:12/12/2023

  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 attempted a refinance with this company. They pulled my credit after getting my info and said I would hear back in 24-48hrs. It has been 2 weeks and I have not gotten any response. I called multiple times with issues getting a person. Finally after getting a person they had the wrong car and info for me and told me I was declined without even giving me a shot to give the proper info to get approved. The person also hung up on me on the phone. I was lied to by the business and was not even given a fair chance at a refi.

  

  Business Response

  Date: 12/18/2023

  Thank you for providing feedback. We identified that the employee you spoke with did misread the vehicle information on your application when trying to assist you. However, we confirmed that we do have the correct vehicle information on file for you and the correct vehicle information was used when considering your application. Your assigned Loan Consultant did try to send you a text with an update, but the text unfortunately failed to deliver. We apologize for not catching that sooner. Additionally, your application was not submitted to our lending partners, so there was no hard inquiry performed on your credit. We also identified that the phone call was disconnected, but it was not by our employee. Our employee did not call you back, as he was under the impression that you had terminated the call and wished not to be contacted. A member of our Compliance Team has already been in contact with you to address your concerns, and per your request, a member of our Sales Team will be reaching out to you directly to further address your questions. Thank you again, we sincerely value you as a customer!

  Customer Answer

  Date: 12/20/2023

   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.

• Initial Complaint

  Date:11/17/2023

  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 reached out to try to refinance my car at a lower rate so after going through all the steps I was approved at a lower rate of 6.5. I asked and was assured there are no fees for the service and the amount I would be loaned is my payoff plus **** for a warranty which was fine. I received the documents to sign and the cover letter says ****, which is still fine. As ******* the breakdown and how much I will finance, it is 800 more than I was told. Then further looking into it, I was to be charged $550 admin fees and my rate for the loan would be 7.3%. I texted the agent that was helping me with my concerns and let him know I will not be signing those documents, and he did not respond. I'm glad I didn't sign and read to confirm everything first!

  

  Business Response

  Date: 11/20/2023

  Thank you for providing feedback. We identified that your Loan Consultant (LC) did advise you that there were no out of pocket fees,which is accurate. There are no out of pocket costs associated with the refinance since all of the fees and costs are included in the refinanced loan. We sincerely apologize that this information was not made clear to you by your LC,and we are addressing this internally. One of our Sales Managers has already been in contact with you directly to address your concerns regarding the interest rate vs. the APR. The interest rate on the proposed loan was the same as what you discussed with your LC. We are sorry they did not do a better job of explaining that the APR may be slightly higher if fees are included as a pre-paid finance charge on the loan. This did not impact the interest rate you were offered, however, and your monthly payments were calculated at the interest rate you were offered.  We apologize again for any confusion regarding the fees and terms.  If you have any additional questions or concerns,please reach out to the Sales Manager who contacted you and they will be happy to help.  Thank you again for bringing this to our attention. 

  Customer Answer

  Date: 11/21/2023

   I am rejecting this response because:
  
  When you add on fees and they are being paid back, it is coming out of pocket, otherwise who is paying for it if it is not coming out of the customer's pocket? The sales manager understood and was clear, however this response is ridiculous and just an attempt to twist words around but just shows how sneaky this business is.

  

  Business Response

  Date: 11/22/2023

  The phrase 'out of pocket is defined as "an expense or cost paid for directly rather than being put on account or included in a contract".  We use industry standard language to let our customers know they will not have to pay anything 'up front' (or 'out of pocket') prior to the refinance since everything is included in the refinance and will be paid as you make your regular monthly payments under the contract. An example of an out of pocket cost would be a down payment or being asked to pay the fees prior to the contract being completed.Our fees are clearly disclosed in the contract you signed. There was no intent to "mislead" you in any way as we are very up front about the fact that we do charge a fee for our services. Our website also includes the following information, "Once you move forward with refinancing your vehicle, the cost of refinancing your auto loan includes admin/doc fees, title transfer fees, state fees (if applicable) and the cost of any extra services you choose to add, such as a GAP and extended warranty or other optional service plans. Your dedicated Auto Approve loan consultant will provide you with an itemized breakdown as part of your auto loan refinance package" -which was done via the contract you signed. We are sorry if the phrase 'out of pocket' was not more clearly explained to you but we can assure you it was not used to be misleading; rather it was used to make it clear that you did not have to pay anything 'up front'.  We are addressing this internally and do appreciate you bringing this to our attention. Thank you.

• Initial Complaint

  Date:11/06/2023

  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.

  This is about my credit and what the did was sent flyers repeatedly by auto approve saying they could lower my car payment they knew what my car payment was exactly which I dont know how and you could do this without digging my credit I have over 800 credit score so I called I kept asking over snd over about no hit to my credit person said yes but then he said I have to read disclaimers to you ok once done I went to look at my credit score the gave me to hard hits and a soft hit I was livid my credit is my world I called back and told them this and I said I want these taken off the guy said this is not going to happen I said why not just said not going to change they are taking advantage of people that work hard for there money and I don't understand how they got my information I was already with some one also on my credit report they called the people I had for others items I had purchased I didn't say they could do that I have kept my credit score over 800 my whole life and I just turned 59 years old I can't refinance now due to what they have done

  

  Business Response

  Date: 11/10/2023

  Thank you for providing feedback. We researched the recorded calls on your account and identified that you were read the following credit authorization statement.
  I have everything needed to submit your application to our ***************** You will need to authorize the Lending Partner to access your credit report in order to provide you with a firm offer. Please confirm your authorization to access your credit report to receive a firm offer of credit by pressing the pound key now, or by saying Yes. You responded Yes after that was read. The language in our credit authorization statement was provided to us by the major credit bureaus and is required to be read verbatim. We apologize if there was any misunderstanding. Auto Approve works with the major credit bureaus to obtain lists of potential customers who may benefit from refinancing their current auto loans. Your information was provided to us, legally, by the credit bureaus. We use those lists to send out mailers, which is the letter that you received. The credit bureaus perform a soft inquiry in our name in order to prequalify our customers. The soft inquiry is viewable only by you and does not impact your credit score in any way. Thank you again for the opportunity to address your concerns.

  Customer Answer

  Date: 11/13/2023

   I am rejecting this response because:
  
  Ok but I don't get u gave me 2 hard hits and they could say before I said yes you will be charged a hard hit and I was charged 2 hard hits and they never said they were going to call people I've already had charge cards or loans with I called one of them I didn't give approval to do this also they had all my information  on what my car payment is and how long I didn't give this to them and you said I said yes which is true did you hear my ask I'm not getting hard hit for this right and I asked this numerous time he could of ask me when I said I'm not getting hard hit he could of said if you say yes this will give me 1 hard hit but I got 2 like I said my credit is my world at 810 and  can't believe you let them take advantage of hard working people it is so sad you let people get taken advantage when I thought I was thinking I could better myself  now I won't be able to refinance because of thus company I never asked for this company to send me any information I want to know how they got my information 

   

   

   

  

  Business Response

  Date: 11/15/2023

  Auto Approve never sends applications to more than one Lending Partner at a time, though we will submit the application to another Partner if we believe we may be able to obtain an approval or better terms. We submit applications based on which of our **************** may be able to offer the best rates and terms, since our goal is to provide the best options to our customers, regardless of a previous credit history with that Lending Partner (it can be a positive for most customers to work with a known company). If multiple credit inquires occur in a short period of time (e.g., ***** days) for the same loan type, it will be counted as a single inquiry by the credit reporting agencies since it is presumed that a consumer is simply searching for better terms on an existing loan. We do apologize if this information was not made clear to you by your Loan Consultant. All of the credit reporting agencies have informative ****************** sections on their websites which can provide you with more information. We reviewed the recorded call and didnt identify any point where you asked about a hard inquiry only the point at which you responded Yes in response to the credit authorization statement noted in our initial response. Our Loan Consultants are very up front about when the hard inquiry occurs, which is why they read the credit authorization statement verbatim every time, to ensure the customer is aware of when the hard inquiry occurs. We apologize for any misunderstanding. As previously mentioned,your information was provided by the credit bureaus as part of a list of customers who could benefit from refinancing their current auto loan obligation. Thank you again for the opportunity to address your concerns.