Complaints

• Initial Complaint

  12/17/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for the debt claimed by AUTOMTV CRDT. I have no contract with ******* CRDT, and they have failed to provide the original agreement as requested.

  

  Business response

  12/20/2024

  This appears to be a misdirected complaint. The abbreviated business name for Automotive Credit Corp. is not an entity owned or operated by Auto Credit Express. 

  Without any additional information, we are not able to verify that this individual's complaint is specific to Auto Credit Express. 

   

• Initial Complaint

  06/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was contacted by this company telling me they would help me with a car loan and that they have selected dealerships and if I had any problems with the dealership to contact them. More than once my contact information was given to several dealerships to contact me to set up a payment and collect my income information from both Auto credit express and the dealership. I get to the dealership and they have no knowledge on who auto credit express is and I call auto credit express and they tell me they are not a loan company and they cant help me. I went sent to the dealership from them, I never gave my information to the dealership. Auto credit express did and when I contacted auto credit express like their representative told me they had no knowledge of me getting a loan from them and told me they are not a loan company. I have so many hard inquires because of this company and wasted money and time on trying to get car because this company said they would help me. I would like to reimbursed for time and help with the hard inquires off my credit. Now im effected more than before because of this.

  

  Business response

  06/27/2024

  Hello Emerald, 
  
  We're sorry to hear about your experience and regret any inconvenience it may have caused you. The experience you're describing doesn't reflect the type of service we strive to deliver here at Auto Credit Express. We have a commitment to helping consumers on their car-buying journey, and the dealerships we work with share this sentiment. However, we're not in the position to deliver monetary compensation, as we collected no money from you for our services. 
  
  As for the hard inquiries, you can contact the credit bureau that is reporting them to see how they impact your credit and when the impact will be reversed. 
  
  Auto Credit Express works to make the process of financing a car easier on consumers by matching them to local dealerships that are equipped to handle unique credit situations. We can assure you that nowhere does our company use the type of verbiage that promises or guarantees anything regarding approval. While we do help consumers get matched to local car dealerships, loan approval is dependent on the qualifications of the dealer you're matched with and the lenders they work with. We were able to connect you with Riverside Volkswagen.
  
  I am sorry that the dealer sales rep wasn't aware of our connection to matching you to them. We are a third-party company that provides connections to special financing dealerships for consumers with many types of credit issues.  You can contact our customer service team if you have any other questions, concerns, or comments at ************. Thank you and have a great day.
  
  Sincerely,
  Auto Credit Express

  Customer response

  06/29/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  [You must provide details of why you are not satisfied with this resolution. Please type details here:]
  
  Regards,
  
  Emerald ******

• Initial Complaint

  05/13/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  They said thay were a financing company for auto loans but sell credit information and do rotaing calls under different numbers and none stop

  

  Business response

  05/24/2024

  We are sorry to hear of ************************** negative experience and will see that he is no longer contacted based on his request. 

  Thanks for letting us know.

• Initial Complaint

  05/06/2024

  Complaint Type:

  Delivery Issues

  Status:

  Resolved

  More info

  I applied for what was supposed to be an auto loan today, May 6, 2024. The website promises to match you up with lenders immediately. Instead, it is collecting your data and selling it to everyone. It also is incredibly misleading when you are going through the 'application process'. They have another website pop up with extremely tiny letters that are easy to miss saying it's an ad. When you close out of that, it tells you in order to finalize your loan offer, you have to select two insurance companies. This is also a scam to further spread your data to others. You have to close out of that and go back to their website separately to then check the status of your 'loan'. It now says it is 'processing' and can take two days. So much for 'immediate' response.

  

  Business response

  05/17/2024

  Hello *****, 
  
  
  We are sorry to hear that you were unhappy with the way our loan request process worked. We also see that you were connected to a dealership through us and purchased a vehicle, so congratulations! 
  

  As requested, we have removed your information from our system and placed you on our "Do Not Contact" list. We thank you for taking the time to leave a review with us and hope you have a terrific day. 
  
  
  Sincerely, 
  Auto Credit Express
  

  
  

  Customer response

  05/22/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  *********************

• Initial Complaint

  02/15/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Scam website,, it ask for my full social then ask me to pay $1 so i can get my credit report so i can hand it over to them. Thats unheard of, a legit website would be able to run my credit report.

  

  Business response

  03/27/2024

  Hello *****,
  
  
  Auto Credit Express connects real car buyers to local dealerships every single day, and making the process of financing a car easier on consumers is what we're all about. We do offer consumers the opportunity to get their credit score after they submit their auto loan request form through an affiliate partner. This is an optional offer that can be opted out of, and it will have no effect on your auto loan request form, but we do believe it's important for car buyers to know their credit score before getting a loan. Also, we are not a lender, so your credit isn't checked by us, but rather by a lender through the dealershiip you're connect with. If you have any further questions or concerns, feel free to reach out to our customer service team at ************. Thank you for the feedback and we hope that you have a good day.
  
  
  Sincerely,
  Auto Credit Express
  
  

• Initial Complaint

  08/30/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Upon filling out my information I noticed that it was not for an actual loan so I explicitly did not select the box to agree to any terms and/or move forward with the application. Immediately I started receiving phone calls from multiple dealers they in fact informed me there was a hard inquiry pull and that I needed to consult with this company in regards to this because the information was sent over by Auto Credit Express. ***** later someone reached out from Auto Express regarding an expired application I addressed my concerns she kept trying to refer me back to the local car lot. The website is deceptive and *** made attempts to dispute the information with the ** again my issue is with this business because they submitted my details without me accepting the terms and agreements on their website and I just want these inquiries removed

  

  Business response

  10/26/2023

  Hello *****, 
  We do see that you applied through ** to be connected to a dealership through an affiliate source. However, since we are not a financial institution, we did not pull your credit. Any inquiries made to your credit have come from the dealership attempting to get financing for you. When you complete the request process you agree to have your information looked at by a dealership, and the specific dealership that pulled your credit must be the one to remove a credit inquiry. If you believe that you did not agree to have your information looked at, you can dispute this directly through the credit bureau, but we are unable to remove this from your credit since we did not initiate it. If you have any further questions or concerns, don't hesitate to reach out to our customer service team at ************. Thank you for your feedback, have a great day.

  Sincerely, 

  Auto Credit Express

  
  
  

  
  

• Initial Complaint

  06/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Auto credit express app I filled out several times for them and they pulled multiple reports hurting my credit and have not ever given me the loan I was promised or even gotten back in touch with me not even once in a year

  

  Business response

  06/13/2023

  We are ************* and ********************** We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete, we will mail a response letter directly to you that contains our findings.

  

  Business response

  06/14/2023

  
  *************************
  Jun 13, 2023, 11:20 AM (21 hours ago)
  to ********************************************************* me
  
  Hi *********, 
  
  After a review of the complaint, we believe this is intended for Auto Credit Express. We're not affiliated with this company and had no success in locating an application with this customer's information.
  
      BBB File Number: 20175636
      Complainant Name: *************************
      Complainant Address: ********************************************************
  
  Please let ** know if you have any questions or concerns.
  
  Best regards,
  
  *************************
  Sr. Case Strategy Analyst, Complaints & ********************* Complaints Management
  

  
  

  

  Business response

  07/12/2023

  Hello ****, 
  While we do see that you have submitted several auto loan request forms with us, we have been unable to find a dealership in your area with lending prospects for you. Auto Credit Express works with dealerships across the country that are experienced in handling unique credit situations, but the lenders they work with still have requirements car buyers must meet in order to qualify. While we do help consumers get matched to local car dealerships, loan approval is dependent on the qualifications of the dealer you're matched with and the lenders they work with.

  Auto Credit Express is not a lender, and we do not provide loans ourselves, so we have not pulled your credit. However, by submitting our form you agree to have your credit checked by prospective lenders in order to attempt to provide you with financing. When a lender checks your credit for the purpose of a loan you lose a few points temporarily, but your credit should bounce back from these.  

  We regret that we were unable to help you get financed. If you'd like to try again, you may fill out a request form once every 30 days for an attempt at a match. Thank you for the feedback, and we hope that you have a great day. If you have any further questions or concerns, don't hesitate to reach out to our customer service team at ************. Thanks and have a good day.
  
  Sincerely, 
  Auto Credit Express
  

  
  

• Initial Complaint

  05/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been trying to resolve my issues with my affairs due to identity theft. My employment requires that I have a vehicle and due to the identity theft I am faced with obstacles. I filled out an application for a loan for a reliable vehicle on several occasions and I NEVER GET any response and when I call they say they never received it or its still processing after that I will never hear from them again no follow up with anything. They stated they work with any type of credit and they were referred to me by Credit Karma. I feel that they advertise that they will work with all credit types and they are partners with credit bureau and they should honor what they advertise and should be held accountable and do it in a reasonable time frame as well. I will stress the fact that I am not the only person who has been a victim of identity theft and NO ONE wants to experience what it does to your life and how stressful it is and slow process because your faced with obstacles like being judged by business calling you liars refusing to answer and being discriminated against and the expenses that it costs you and my livelihood. I come to these companies IN GOOD FAITH and I am trying to get back my life back as close as it was and move forward with my life and I am in no position to be changing employment and shouldn't be forced to doing that.

  

  Business response

  07/12/2023

  Hello *******, 

  We understand that the need for auto financing can seem out of reach when you're struggling with credit challenges like identity theft. Many dealerships do provide financing through their captive finance companies, or through third-party lenders, but those lenders can be harder to qualify for a number of borrowers. Here at Auto Credit Express, we're not a lender. We work with a nationwide network of dealerships that are signed up with lenders that can help people in many types of credit situations. And while we do try to help as many consumers as we can, we are unable to help everyone. 
  We can assure you that nowhere does our company use the type of verbiage that promises or guarantees anything in regard to approval. While we do help consumers get matched to local car dealerships, loan approval is dependent on the qualifications of the dealer you're matched with and the lenders they work with.

  In your most recent online transaction with us, we were unable to match you with a dealer partner. This could be for several reasons. We regret that we were unable to help you get financed. Last September, we connected you to **************************** of ********, and have not been able to match you with a dealer since. Our service provides you with the opportunity to work with a dealership in your area that works with credit-challenged consumers so that you don't have to spend hours on the phone or driving/riding around looking for a dealer that provides the services you're seeking. 
  It's our mission to help consumers build their credit through auto financing, and we provide many resources on our website that can help. If you have any further questions or concerns, please feel free to reach out to our customer service team at ************.
  
  Thank you,
  Auto Credit Express

• Initial Complaint

  04/09/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I filled out an auto loan application early last month. Decided not to proceed with the application. Auto credit express and its affiliates have been calling and emailing me non stop even after asking to be removed from their contact list. I have asked to be removed with no avail. Placed them on do not call list. Please remove me from your list and also your affiliation list.

  

  Business response

  04/11/2022

  We have instructed for the lead submitted by ************** to be cancelled, such that he will no longer be contacted about vehicle financing. 

  If there are any further questions, please let us know.

• Initial Complaint

  03/04/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This company does obfalse advertising a few different employees promise the world all fals promises . Are they collecting personal information? Possibly ....rude and nosey all 3 employees no car in the en

  

  Business response

  03/14/2022

  Auto Credit Express helps individuals with below average credit ratings find finance institutions that *** be able to provide them financing for the purchase of a car. Sometimes it's not possible for everyone to find the car and financing that works for them. It's unfortunate when that happens, which sounds like it's the circumstance with this complainant. There are numerous resources available for improving bad credit that *** be of help. 

*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. ↩