AUTOPAY
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What they did was actually ILLEGAL
The most egregious thing they did was start the process of putting the new lender as the lien holder for my vehicle with my insurance company and the DMV, without me having signed ANY loan paperwork. As part of the process, I did sign a limited power of attorney specifically for this, so once the loan terms were agreed upon and I signed the loan documents, they could easily make those changes. That said, I haven't even seen any of the loan documents, let alone signed ANYTHING. What they are doing is flat-out illegal. When I got the alert that this had been changed on my insurance policy, I immediately contacted the loan specialist I have been working with, and surprise, surprise, I haven't heard back from her. The second issue I had was basically a bait & switch. I had a pre-approval offer of an interest rate that was over 3% lower than my current rate. My goal was to refinance my car for a lower rate and lower payment. The interest rate they came back with wasn't even 1% lower than what I already have, so to get the lower payment, they extended the term of my loan by 10 months. And good luck getting a hold of their escalation department, you can't even leave a message. Thankfully, I have not signed any loan agreements as this company is SHADY AF. I wish I had read these reviews before I started the refi process. I trusted that CreditKarma would vet their partners beforehand, sadly, I guess if you pay enough to be listed on their site, they don't care.