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SENSIBLE AUTO LENDING, LLC

SENSIBLE AUTO LENDING, LLC

Branch

Company Details

Name:	SENSIBLE AUTO LENDING, LLC
Jurisdiction:	New York
Legal type:	FOREIGN LIMITED LIABILITY COMPANY
Status:	Active
Date of registration:	29 Sep 2022 (3 years ago)
Branch of:	SENSIBLE AUTO LENDING, LLC, Connecticut (Company Number 0913447)
Entity Number:	6838288
ZIP code:	10005
County:	Westchester
Place of Formation:	Connecticut
Foreign Legal Name:	SENSIBLE AUTO LENDING, LLC
Address:	28 LIBERTY STREET, NEW YORK, NY, United States, 10005

DOS Process Agent

Name	Role	Address
C T CORPORATION SYSTEM	DOS Process Agent	28 LIBERTY STREET, NEW YORK, NY, United States, 10005

Filings

Filing Number	Date Filed	Type	Effective Date
230519001829	2022-09-29	APPLICATION OF AUTHORITY	2022-09-29

CFPB Complaint

Complaint Id

Date Received

Issue

Product

9555071

2024-07-18

Attempts to collect debt not owed

Debt collection

Issue	Attempts to collect debt not owed
Timely	Yes
Company	Sensible Auto Lending, LLC
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	I do not know
Date Received	2024-07-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-07-18
Complaint What Happened	This was not me, I never applied for or either went to senible auto leasing someone used my name or Idenity.
Consumer Consent Provided	Consent provided

8969043

2024-05-09

Problems at the end of the loan or lease

Vehicle loan or lease

Issue	Problems at the end of the loan or lease
Timely	Yes
Company	Sensible Auto Lending, LLC
Product	Vehicle loan or lease
Sub Issue	Unable to receive car title or other problem after the loan is paid off
Sub Product	Loan
Date Received	2024-05-09
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-05-09
Complaint What Happened	I purchased my vehicle and SENSIBLE AUTO was my lender and about a Month after I purchased it an irresponsible driver rear ended me for being in his cellphone and totaled my car, upon this happening the car ( XXXX ' XXXX XXXX ) was taken to a repair facility after going back and forth for 2 weeks with the insurance company it was decided that the car was a total loss, during this time I want to clarify that not once a payment was missed as i was making biweekly payments. I spoke with the insurance company and was given 2 options the first option was to surrender the car to them ( XXXX XXXX ) and receive a payment for {$23000.00} which would've covered my loan in ins entirety ( Payoff {$18000.00} ) or the second option was for me to keep the vehicle and receive a reduced settlement for {$16000.00} and pay the bank the remaining balance which was around {$2000.00} which is the option I choose, Upon agreeing to this option the car was released to me and delivered at home by the body shop as I was planning to pay for the repairs myself. 3 days went by and I got a call from a tow truck driver at around XXXX stating that he saw a baby car seat in the car and he felt bad just taking the car so he decided to give me a courtesy call so I can gather my belongings as he had a " REPO ORDER '' i told him it was impossible the car was always paid on time and in his paperwork he said he agreed with me the order stated there was {$0.00} balanced owed to the bank but he said he still had to take it, gracefully he provided me with a copy of that document which i have as proof so after speaking with him for about 30 minutes there was nothing i could do he ended up taking the car, the next morning i called the bank and i was told that the car is being processed as a repo because i had " refused '' to surrender the car to the insurance company which was a total lie also the car was always paid on time never missed a payment so it shouldn't been processed as a repo they just wanted to sell the car and get more money this is bad business practice which even XXXX agreed it was ( they gave them a hard time providing the title so the can submit payment ). For what was a simple process still hasn't ended for me the accident happened on XX/XX/24 it is XX/XX/24 and i still haven't resolved the matter. The bank decided to process the car as a repossession when it was a total loss, proceeded to sell the car in auction, get paid around {$11000.00} from auction and also collect the {$16000.00} check from the insurance settlement for the total loss and in the process damage and trash my credit as now it appears as i have a repo and still owe {$8000.00} for some reason which I don't understand i only owed the bank {$18000.00} minus the $ XXXX and $ XXXX I'm due a refund for over {$8000.00} i called them and I was told several times that if i wanted it fixed, I needed to submit a claim to the credit reporting agencies and then they would address it i was also told I will get the check in the mail for the overpayment within 10 days from when payment was received from insurance ( XX/XX/24 ), its been a month and i haven't received anything, every time I call I'm being told different things and my credit is still damaged i cant even get another car please help me!
Consumer Consent Provided	Consent provided

8940896

2024-05-06

Improper use of your report

Credit reporting or other personal consumer reports

Issue	Improper use of your report
Timely	Yes
Company	Sensible Auto Lending, LLC
Product	Credit reporting or other personal consumer reports
Sub Issue	Credit inquiries on your report that you don't recognize
Sub Product	Credit reporting
Date Received	2024-05-06
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-05-08
Complaint What Happened	I have a credit inquiry on my credit score that I have never approved. The inquiry is form company I don't recognize. In that time I was in XXXX so I couldn't be authorized by me. The name of the company is XXXX XXXX XXXX XXXX.
Consumer Consent Provided	Consent provided

Date of last update: 20 Mar 2025

Sources: New York Secretary of State

SENSIBLE AUTO LENDING, LLC

Company Details

DOS Process Agent

Filings

CFPB Complaint

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