AUTOPAY
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Misleading and unable to refinance
I recently received a message from Credit Karma suggesting I refinance my auto loan. I was redirected to AutoPay, a refinance company, where I filled out an application to see if I qualified. After submitting my credentials, I was approved and spoke with a representative named Patrick Olson. He informed me that I would need to submit my sister's credentials as well since the car is financed in both our names to complete the application. Patrick Olson later explained that to proceed with the refinance, I would need to pay $1,050. We finalized the agreement, and I was told to make the payment before March 20, 2025. However, two days later, I received a text stating that my application was denied. Patrick mentioned that while the loan was initially approved, issues with the title change and sales tax impacted the loan. I had clearly explained my situation to AutoPay from the start, yet I felt was misinformed and received little explanation. This experience has been very disappointing.